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vvnsw · 2025年01月15日

为什么这两题的计算方法不一样?

NO.PZ2023080903000047

问题如下:

A consumer purchases a car using a loan. The borrowed amount is €28,000, and the loan terms require repayment over five years with equal monthly payments. The loan has an annual nominal interest rate of 7.5% with monthly compounding. The nearest monthly payment amount is:

选项:

A.

€553.20

B.

€561.06

C.

€625.00

解释:

PV=28000, N=5*12=60,I/Y=7.5%/12, FV=0

求PV=-561.06

NO.PZ2023052407000002

跟这一题对比

1 个答案

品职助教_七七 · 2025年01月15日

嗨,从没放弃的小努力你好:


这两道题的原理是一样的。PZ2023052407000002这道题也是采用计算器来按的,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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努力的时光都是限量版,加油!