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xiao15 · 2021年11月06日

有问题

  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, how much of the second year's payment is interest(assume annual loan payments)?

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 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.

老师我可以理解 (4424.604-3000) 是第一年还的本金部分

但是第二年算利息 不应该是25000-4424.604吗 利息是额外付的吗？ 不算在25000里面？


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1 个答案

星星_品职助教 · 2021年11月07日

同学你好，

利息是基于本金付的。

第一年本金已经偿还了($4,424.60-$3,000) 。所以第二年本金就只剩下了$25,000 -($4,424.60-$3,000) = $23,575.40这么多。

所以第二年的利息就是在这个基础上再乘以12%，即 $23,575.40 × 0.12 = $2,829.05

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