什么时候用mode BGM呢 这个不是第一个月的开始就要给钱了吗 不是先付吗

问题如下：

Question A consumer purchases an automobile using a loan. The amount borrowed is €30,000, and the terms of the loan call for the loan to be repaid over five years using equal monthly payments with an annual nominal interest rate of 8% and monthly compounding. The monthly payment is closest to:

选项：

A.€626.14. B.€608.29. C.€700.00.

解释：

Solution

B is correct. Using a financial calculator: N = 60, I/Y = 8/12, PV = 30000, FV = 0, and compute PMT.

Note, 5 years = 60 months. The nominal rate of 8% must be divided by 12 to find the monthly periodic rate of 0.6666667%. Alternatively, using the present value of an annuity formula, solve:

PV = A[1−1[1+(rs/m)]^mN rs/m]

30,000 =A[1−1(1+0.08/12)^12*50.08/12]

30,000 = A × 49.318433

A = 30,000/49.318433

= 608.291829

A is incorrect as it uses N = 5, I/Y = 8, PV = 30000, FV = 0, compute PMT = 7513.69.

7513.69/12 = 626.14.

C is incorrect as it is calculated using: Interest = €30,000 × 0.08 × 5 = €12,000; Payment = (€30,000 + €12,000)/60 = €700