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RenTang95 · 2020年09月02日

问一道题：NO.PZ2015120604000019

  1. CFA I
  2. Quantitative

问题如下：

An investor borrowed $25,000 at 12% interest.  The loan should  be paid back at the same amount over next ten years, what's the amount of the interest should be paid in the second year?

选项：

A.

$2,829.05.

B.

$4,424.60.

C.

$1,037.26.

解释：

A is correct.

PV = -25,000; FV = 0; I/Y = 12; N = 10; CPT PMT = 4,424.60.

The interest should be pad in the first year is $3,000 = 25,000 × 0.12

The principal pament in the second year  is $25,000 -($4,424.60-$3,000) = $23,575.40.

The interest should be pad in the second year is = $23,575.40 × 0.12 = $2,829.05.

你好老师,请问怎么理解 25000-(4424.604-3000) 这一步里面的 减去3000.

第二年的利息的计算不应该是(25000-4424.604)*12%么?

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星星_品职助教 · 2020年09月02日

同学你好，

第一年付的PMT=4424.6里有3000是利息，（$4,424.60-$3,000）是付的PMT中的本金部分，所以剩下的本金是$25,000 -($4,424.60-$3,000) = $23,575.40

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