NO.PZ2015120604000172
问题如下：
Lily Wang wants to borrow $40,000 to buy a car with zero down payments. She should pay the equal payments at the end of each month in the next 3 years. The monthly payment is $1,350. What is the principal portion of the second payment?
选项：
A.$912.8
B.$922.78
C.$1.350
解释：
B is correct.
First: Figue out the interest rate.
PV=-40000, FV=0, N=3*12=36, PMT=1,350, CPT I/Y=1.0930.
The first month interest= 40000*1.093%= 437.2, first principal= 1350-437.2=912.8
The remaining principal= 40000-912.8=39087.2
The second month interest= 39087.2*1.093%= 427.22, second principal= 1350-427.22 = 922.78.
B is correct.
First: Figue out the interest rate.
PV=-40000, FV=0, N=3*12=36, PMT=1,350, CPT I/Y=1.0930.
The first month interest= 40000*1.093%= 437.2, first principal= 1350-437.2=912.8
The remaining principal= 40000-912.8=39087.2
The second month interest= 39087.2*1.093%= 427.22, second principal= 1350-427.22 = 922.78.
请问这道题有没有快捷的方法计算？
我认为算出来912.8了第一个月的principle就可以判断选b因为这个月的本金肯定比第一个月还的多嘛！！！还贷款都是本金还的越来越多，利息越来越少，但是这个差距又很小，不会变化很大，就选b，对吧！！
