这道题可以用EAR算吗

NO.PZ2018062016000005

问题如下：

John receive a gift from his grandpa about $1.2 million. He plans to buy a house in five years later, which price is expected to be $250,000 at that time. How much should John deposit now if the stated annual rate is 3% and compounded monthly?

选项：

$215,652

$215,217

$242,620

解释：

B is correct. Present value * (1+3%/12)^12*5=$250,000, therefore, John should deposit $215,217 currently.

我的EAR= (1+0.03/12)^12 - 1 = 0.030416，所以I/Y=3.0416，N=5，PMT=0， FV=250,000，算出PV也是等于-215,217

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已采纳答案

星星_品职助教 · 2021年06月05日

同学你好，可以。计算器的方法更好

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