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SuzieW · 2022年03月25日

为什么不能设置pv是250万*25%,fv是250万呢？

  1. CFA I
  2. Quantitative

NO.PZ2015120604000015

问题如下：

An investor is looking at a house worth $ 2.5 million. If he want to buy the house, he must pay 25% of the full price now and the left money is financed at 10%，compounded monthly over the next 25 years, Calculate the monthly mortgage payment in this case.

选项：

A.

$17,850

B.

$22,607

C.

$17,038

解释：

C is correct.

N = 25 × 12 = 300;

I/Y = 10 / 12;

PV = -2,500,000(1 - 0.25) = -1,875,000 (75% of the full price left);

FV = 0;

CPT PMT = $17038

为什么不能设置pv是250万*25%,fv是250万呢？

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1 个答案

星星_品职助教 · 2022年03月25日

同学你好，

1）250万是现在房子的价格，并不是25年后的价格，如果认为房子的FV=250万相当于没有考虑货币的时间价值。

2）根据本题的描述，每一期都会支付一部分的贷款本息，相当于把房子分摊到25年内来支付，在第25年时已经全部都还清了，FV=0就代表了这个“全部还清”。

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