婉婷 · 2022年06月05日
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
这个题为什么不需要将利率转化为EAR呢
袁园_品职助教 · 2022年06月06日
嗨，爱思考的PZer你好：
有效年利率（effective annual return）是一种计算投资产品年度复合收益的方法。即在本期收益基础上将利息计入本金再投资的年度收益率，它是考虑了复利因素的收益概念。
这道题如果用EAR算，就比较麻烦。
这样还不如直接将N转换为月份，直接按计算器，得到每月的PMT来的快。
----------------------------------------------努力的时光都是限量版，加油！
NO.PZ2015120604000015问题如下 investor is looking a house worth $ 2.5 million. If he want to buy the house, he must p25% of the full prinow anthe left money is finance10%，compounmonthly over the next 25 years, Calculate the monthly mortgage payment in this case. A.$17,850 B.$22,607 C.$17,038 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 prileft);FV = 0;CPT PMT = $17038 N=300，利率0.83不变，PV是625000（首付），FV为2500000，然后求PMT，这个思路就是当下我先付625000然后每个月付多少钱能满足25年后用付了2500000，求PMT
NO.PZ2015120604000015问题如下 investor is looking a house worth $ 2.5 million. If he want to buy the house, he must p25% of the full prinow anthe left money is finance10%，compounmonthly over the next 25 years, Calculate the monthly mortgage payment in this case. A.$17,850 B.$22,607 C.$17,038 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 prileft);FV = 0;CPT PMT = $17038 这个 finance10%默认就是年利率吗？
NO.PZ2015120604000015 问题如下 investor is looking a house worth $ 2.5 million. If he want to buy the house, he must p25% of the full prinow anthe left money is finance10%，compounmonthly over the next 25 years, Calculate the monthly mortgage payment in this case. A.$17,850 B.$22,607 C.$17,038 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 prileft);FV = 0;CPT PMT = $17038 I/Y = 10 / 12;請問哪裡表示10%需要除12，如何判斷10%為年利率？
NO.PZ2015120604000015 问题如下 investor is looking a house worth $ 2.5 million. If he want to buy the house, he must p25% of the full prinow anthe left money is finance10%，compounmonthly over the next 25 years, Calculate the monthly mortgage payment in this case. A.$17,850 B.$22,607 C.$17,038 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 prileft);FV = 0;CPT PMT = $17038 FV是1875000不就代表是未来付清贷款的金额，然后PV等于0求PMT么？
