如果不是interest-only,而是等额本息，要具体怎么计算

问题如下：

The maximum loan amount that the Fund can obtain on the New York City office building is closest to:

选项：

$117,100,000

$180,100,000.

$193,100,000.

解释：

B is correct. Based on the LTV ratio, the maximum loan amount would be 65% of $297,100,000, or $193,115,000 ($193,100,000 rounded). With a minimum DSCR of 1.65x, the maximum debt service would be $15,600,000/1.65 = $9,454,545. This amount is the mortgage payment that would result in a 1.65x DSCR for an interest-only loan. If the loan is interest only, then we can obtain the loan amount by simply dividing the mortgage payment by the interest rate. Therefore, the loan amount would be $9,454,545/0.0525 = $180,086,580 ($180,100,000 rounded). Because the loan amount based on the minimum DSCR results in a lower loan amount, that would be the maximum amount that could be borrowed.

A is incorrect because $117,100,000 is incorrectly calculated as follows: $15,600,000/0.0525/1.65 = $180,086,580. $180,086,580 × 65% = $117,056,277 ($117,100,000 rounded).

C is incorrect because $193,100,000 is the rounded loan amount based on the maximum LTV of 65%. Because the loan amount based on the minimum DSCR results in a lower loan amount, $180,086,580 ($180,100,000 rounded) would be the maximum loan amount that could be borrowed.