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Chinazdk · 2023年11月19日

这是啥公式？在哪里有讲过?

  1. CFA I
  2. Quantitative

NO.PZ2023052407000002

问题如下：

Grey Pebble Real Estate seeks a fully amortizing fixed-rate five-year mortgage loan to finance 75 percent of the purchase price of a residential building that costs NZD5 million. The annual mortgage rate is 4.8 percent. The monthly payment for this mortgage would be closest to:

选项：

A.

NZD70,424.

B.

NZD93,899.

C.

NZD71,781.

解释：

A is correct. The present value of the mortgage is NZD3.75 million

(=0.75×5,000,000), the periodic discount rate is 0.004 (=0.048/12), and the number of periods is 60 (=5×12). Using Equation 8,


Alternatively, the spreadsheet PMT function may be used with the inputs stated earlier.

B is incorrect. NZD93,899 is the result if NZD5 million is incorrectly used as the present value term.

C is incorrect. NZD71,781 is the result if the calculation is made using 4.8 percent as the rate and 5 as the number of periods, then the answer is divided by 12.

不明白equation 8 是怎么得到的

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已采纳答案

星星_品职助教 · 2023年11月19日

同学你好，

答案解析的公式为年金的公式。但实际中并不用这个公式来解题，课上也没有讲过。类似题目统一都用计算器第三排来直接做。

计算器按键如下：

PV=5×75%=3.75，I/Y=4.8/12=0.4，N=5×12=60，FV=0，CPT PMT= - 0.0704（million)

即monthly payment为NZD 70,424.0325

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