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为了求职冲呀 · 2022年02月20日

为什么是减去4424.6-3000

  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.

老师您好，


我按照amoritization schedule解题。mpt=4424.6，


那么第一年begining balance：25,000

payment:4424.6

interest component:3000

pricipal:1424.6


得出

ending balance:20574.4 （同时也是第二年的begining balance

那么第二年的payment：4424.6

interest：20574.4x0.12


为什么我们在求第二年的begining balance时是：25000-（4424.6-3000）=23575.4

按照amoritization schedule这个4424.6不是包含了3000和1424.6吗？为什么我们只需要减去1424.6，而不是4424.6得出第二年的beginning balance？


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1 个答案

星星_品职助教 · 2022年02月21日

同学你好，

ending balance是剩余本金的金额，所以要用beginning balance 25,000减掉第一年偿还的本金1424.6，直接得到25,000-1,424.6=23575.4.

balance是本金的概念，不应该扣减利息。

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