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*Baby 8 肖闲* · 2021年02月06日

问一道题：NO.PZ2015120604000019 [ CFA I ]

  1. CFA I
  2. Quantitative

问题如下：

An investor borrowed $25,000 at 12% interest. The loan should be paid back at the same amount over next ten years, what's the amount of the interest should be paid in the second year?

选项：

A.

$2,829.05.

B.

$4,424.60.

C.

$1,037.26.

解释：

A is correct.

PV = -25,000; FV = 0; I/Y = 12; N = 10; CPT PMT = 4,424.60.

The interest should be pad in the first year is $3,000 = 25,000 × 0.12

The principal pament in the second year is $25,000 -($4,424.60-$3,000) = $23,575.40.

The interest should be pad in the second year is = $23,575.40 × 0.12 = $2,829.05.

老师这道题可以用计算器的amort来算吗？
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星星_品职助教 · 2021年02月06日

同学你好，

可以用

首先正常计算出PMT：PV = -25,000; FV = 0; I/Y = 12; N = 10; CPT PMT = 4,424.60. 这是每年要付的等额本息。

2nd +第三排PV，调用第二功能AMORT

①通过“ENTER”输入P1=2（第二年开始），P2=2（第二年结束）

②按向下箭头

BAL（balance）=-21,979.84代表第二年后还有这么多本金没有还

PRN（principle）=1,595.55代表还的4424.6中有这么多是还的本金

INT（interest）=2,829.05代表还的4,424.6中有这么多是还的利息，选择A选项。

------------------

自己练习的时候更建议自己一步一步分析的来做。这个分析的思路是后续财务，固收里一些内容的基础。只按计算器就缺乏这一部分的思维了。

 

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