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匿名网友 · 2024年07月14日

这里我用计算器算的数字是错的

  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.

我用计算器第三行操作如下

n=60

i/y=0.4%

PV=3.75

FV=0

计算器算出的payment PMT是-00625

请问是哪一个环节带错数了吗？谢谢

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1 个答案

品职助教_七七 · 2024年07月15日

嗨，从没放弃的小努力你好：


I/Y应为0.4。计算器中不带百分号，百分号是作为单位处理的。

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