问题如下：
Mr Wang bought a house in Shanghai recently and paid the down payment of ¥ 5,000,000. He borrowed the left ¥5,000,000 for 10 years in the bank and repaid the loan each month. Assume the annual discount rate is 5.8%, the first mortgage payment at the end of this month is:
选项：
A.¥54,748
B.¥55,009
C.¥55,275
解释：
B is correct. Input the following data in the calculator at END mode: N=10*12=120, I/Y=5.8/12, PV=5,000,000, FV=0, then PMT=-55,009. Therefore, the monthly payment for Mr Wang is ¥55,009
老师我的解题思路是：PV= -5,000,000 因为是付了五百万房贷，然后FV= 5,000,000未来十年还剩5百万需要还。麻烦老师解释一下fv=0的思路，谢谢您
