开发者:上海品职教育科技有限公司 隐私政策详情

应用版本:4.2.11(IOS)｜3.2.5(安卓)APP下载

返回

忒弥斯的蒙眼布 · 2021年07月02日

怎么看出来用的是后付年金？

  1. CFA I
  2. Quantitative

NO.PZ2015120604000019

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.

怎么看出来用的是后付年金？

添加评论
1 个答案

星星_品职助教 · 2021年07月03日

同学你好， 如果题干没有刻意强调是先付年金，都按照后付年金来处理。

  • 1

    回答

  • 0

    关注

  • 628

    浏览
相关问题

NO.PZ2015120604000019问题如下 investor borrowe$25,000 12% interest. The loshoul paibathe same amount over next ten years, how muof the seconyear's payment is interest(assume annulopayments)? A.$2,829.05.B.$4,424.60.C.$1,037.26. A is correct.PV = -25,000; FV = 0; I/Y = 12; N = 10; CPT PMT = 4,424.60.The interest shoulpin the first yeis $3,000 = 25,000 × 0.12The principin the seconye is $25,000 -($4,424.60-$3,000) = $23,575.40.The interest shoulpin the seconyeis = $23,575.40 × 0.12 = $2,829.05. 请问为什么这里的interest rate和N不考虑12month

2023-04-17 08:50 1 · 回答

NO.PZ2015120604000019 问题如下 investor borrowe$25,000 12% interest. The loshoul paibathe same amount over next ten years, how muof the seconyear's payment is interest(assume annulopayments)? A.$2,829.05. B.$4,424.60. C.$1,037.26. A is correct.PV = -25,000; FV = 0; I/Y = 12; N = 10; CPT PMT = 4,424.60.The interest shoulpin the first yeis $3,000 = 25,000 × 0.12The principin the seconye is $25,000 -($4,424.60-$3,000) = $23,575.40.The interest shoulpin the seconyeis = $23,575.40 × 0.12 = $2,829.05. 老师，我记得这个题除了画表or 先算出pmt-本金，还有种折现的方式，直接折现道N=2，可以写一下过程嘛

2023-03-06 21:34 1 · 回答

NO.PZ2015120604000019 问题如下 investor borrowe$25,000 12% interest. The loshoul paibathe same amount over next ten years, how muof the seconyear's payment is interest(assume annulopayments)? A.$2,829.05. B.$4,424.60. C.$1,037.26. A is correct.PV = -25,000; FV = 0; I/Y = 12; N = 10; CPT PMT = 4,424.60.The interest shoulpin the first yeis $3,000 = 25,000 × 0.12The principin the seconye is $25,000 -($4,424.60-$3,000) = $23,575.40.The interest shoulpin the seconyeis = $23,575.40 × 0.12 = $2,829.05. 请问一下这道题的逻辑是什么？为什么算了PMT还需要再算interest？PMT不是每年需要还的贷款吗？

2023-02-17 19:45 1 · 回答

NO.PZ2015120604000019问题如下 investor borrowe$25,000 12% interest. The loshoul paibathe same amount over next ten years, how muof the seconyear's payment is interest(assume annulopayments)? A.$2,829.05.B.$4,424.60.C.$1,037.26. A is correct.PV = -25,000; FV = 0; I/Y = 12; N = 10; CPT PMT = 4,424.60.The interest shoulpin the first yeis $3,000 = 25,000 × 0.12The principin the seconye is $25,000 -($4,424.60-$3,000) = $23,575.40.The interest shoulpin the seconyeis = $23,575.40 × 0.12 = $2,829.05. 如题如题。。。。。。

2023-01-07 11:25 1 · 回答

NO.PZ2015120604000019问题如下 investor borrowe$25,000 12% interest. The loshoul paibathe same amount over next ten years, how muof the seconyear's payment is interest(assume annulopayments)? A.$2,829.05.B.$4,424.60.C.$1,037.26. A is correct.PV = -25,000; FV = 0; I/Y = 12; N = 10; CPT PMT = 4,424.60.The interest shoulpin the first yeis $3,000 = 25,000 × 0.12The principin the seconye is $25,000 -($4,424.60-$3,000) = $23,575.40.The interest shoulpin the seconyeis = $23,575.40 × 0.12 = $2,829.05. 我理解的是，他向银行借了25000 所以是fv然后再回头计算

2023-01-07 11:14 1 · 回答