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ZC调频 · 2024年03月20日

和我答案不一样

  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.

我用计算器 n=60. pv=3.75. fv=0. i/y=4.8 是哪个数据出错了嘛

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1 个答案

品职助教_七七 · 2024年03月20日

嗨，从没放弃的小努力你好：


I/Y有误。I/Y和N和PMT应为同样的时间单位，在本题中都应为月份数。故正确的I/Y应为4.8/12=0.4。

即正确按键应为：

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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