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tiny · 2023年01月14日

利率没说时间默认就是年?

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 financed 10%默认就是年利率吗?

1 个答案
已采纳答案

星星_品职助教 · 2023年01月14日

同学你好,

本题的年利率是可以从题干中判断出来的。题目对于利率的描述为“... is financed at 10%,compounded monthly”,由于后面跟着按月计息的计息频率,可知前面的10%是一个名义上的报价年利率(stated annual interest rate)。



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