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Teresa Tao · 2021年10月27日

请问为什么interest rate不用换算成EAR的形式呢？（1+0.058/12）^12-1

  1. CFA I
  2. Quantitative

NO.PZ2018062016000016

问题如下：

Mr Wang bought a house in Shanghai recently and paid the down payment of ¥ 5,000,000. He borrowed the left ¥5,000,000 for 10 years in the bank and repaid the loan each month. Assume the annual discount rate is 5.8%, the first mortgage payment at the end of this month is:

选项：

A.

¥54,748

B.

¥55,009

C.

¥55,275

解释：

B is correct. Input the following data in the calculator at END mode: N=10*12=120, I/Y=5.8/12, PV=5,000,000, FV=0, then PMT=-55,009. Therefore, the monthly payment for Mr Wang is ¥55,009

请问为什么interest rate不用换算成EAR的形式呢？（1+0.058/12）^12-1

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1 个答案

星星_品职助教 · 2021年10月27日

同学你好，

这道题算EAR（年利率）没有意义。

题目最终问的是“the first mortgage paymentat the end of this month is”，即要求的是月度的PMT。这时候就没有必要去算一个年度的利率。

直接将名义利率转化成月利率输入计算器，CPT PMT出来就直接是月度PMT。注意此时N也要转化为月度数据。


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相关问题

NO.PZ2018062016000016 问题如下 Mr Wang bought a house in Shanghrecently anpaithe wn payment of ¥ 5,000,000. He borrowethe left ¥5,000,000 for 10 years in the bank anrepaithe loeamonth. Assume the annuscount rate is 5.8%, the first mortgage payment the enof this month is: A.¥54,748 B.¥55,009 C.¥55,275 B is correct. Input the following ta in the calculator ENmo: N=10*12=120, I/Y=5.8/12, PV=5,000,000, FV=0, then PMT=-55,009. Therefore, the monthly payment for Mr Wang is ¥55,009 为什么我算了好几次结果都是54744.8呢？

2023-04-19 21:32 1 · 回答

NO.PZ2018062016000016 为什么PV=5000000而不是PV=-5000000？

2021-05-31 00:17 1 · 回答

¥55,009 ¥55,275 B is correct. Input the following ta in the calculator ENmo: N=10*12=120, I/Y=5.8/12, PV=5,000,000, FV=0, then PMT=-55,009. Therefore, the monthly payment for Mr Wang is ¥55,009 请问为什么是期末年金不是起初，贷款不是都是起初吗？

2020-07-14 12:24 1 · 回答

老师我的解题思路是PV= -5,000,000 因为是付了五百万房贷，然后FV= 5,000,000未来十年还剩5百万需要还。麻烦老师一下fv=0的思路，谢谢您

2020-05-13 11:32 2 · 回答