问题如下:
A level-payment, fixed-rate mortgage has the following characteristics:
• Term 30 years.
• Mortgage rate 9.0%.
• Servicing fee 0.5%.
• Original mortgage loan balance $150,000.
The monthly mortgage payment is:
选项:
A.$416.67.
B.$1,125.00.
C.$1,206.93.
D.$1,216.70.
解释:
C is correct.
N = 360; I = 9/12 = 0.75; PV= 150,000; CPT → PMT = $1,206.93
这里service fee是需要扣减的,mortgage rate指的就是贷款人月供的钱;
那么investor每月收到的,就是月供-service fee的钱
是这个逻辑么