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.
您好,按照quantitative课件第17页例题annuity的例子(表格)来看,我的理解是第二期应该为40000-1350=38650为第二期的beginning balance,然后r是38650×1.09大概是422.45,1350-422.45然后没结果,请问我这个思路是哪里错了呢