yellowjason · 2021年04月07日
NO.PZ2017092702000016
问题如下：
A sports car, purchased for £200,000, is financed for five years at an annual rate of 6% compounded monthly. If the first payment is due in one month, the monthly payment is closest to:
选项：
A. £3,847.
B. £3,867.
C. £3,957.
解释：
B is correct,
calculated as follows (where A is annuity and PV is present value):
n=5 i/y=（6%/12)^12 fv=0 pv=200000 cpt Put?
星星_品职助教 · 2021年04月07日
同学你好，
这道题要计算的是“the monthly payment”，所以算的是月度PMT，所以对应的N应该是多少个月，即N=5×12=60.
此时I/Y也需要是月利率，直接用6%/12=0.5%，即I/Y=0.5即可。
按键为： PV=200,000, N=12×5=60， I/Y=6/12=0.5，FV=0 , CPT PMT=-3866.56
水水 · 2021年06月07日
老师 I/Y=0.06/12=0.05 差了一位~所以结果我按的是3338.42
GS · 2022年05月15日
能帮忙讲一下上面英文解析的公式么？这道题的解题原理没太看懂，虽然做对了。
NO.PZ2017092702000016 问题如下 A sports car, purchasefor £200,000, is financefor five years annurate of 6% compounmonthly. If the first payment is e in one month, the monthly payment is closest to: A.£3,847. B.£3,867. C.£3,957. B is correct,“the first payment is e in one month”是第一笔付款在第一个月的意思（t=1），所以是个后付年金问题。后付年金模式下，PV=-200,000, N=12*5， I/Y=6/12，FV=0 CPT PMT=3866.56 为什么不需要先计算EAR（6.17%），然后再代入PV=-200000，N=5*12，I/Y=6.17/12，FV=0，求PMT？
NO.PZ2017092702000016 问题如下 A sports car, purchasefor £200,000, is financefor five years annurate of 6% compounmonthly. If the first payment is e in one month, the monthly payment is closest to: A.£3,847. B.£3,867. C.£3,957. B is correct,“the first payment is e in one month”是第一笔付款在第一个月的意思（t=1），所以是个后付年金问题。后付年金模式下，PV=-200,000, N=12*5， I/Y=6/12，FV=0 CPT PMT=3866.56 为什么让PV=0,FV=200000算出来的不对的呢
NO.PZ2017092702000016问题如下A sports car, purchasefor £200,000, is financefor five years annurate of 6% compounmonthly. If the first payment is e in one month, the monthly payment is closest to: A.£3,847. B.£3,867. C.£3,957. B is correct,“the first payment is e in one month”是第一笔付款在第一个月的意思（t=1），所以是个后付年金问题。后付年金模式下，PV=-200,000, N=12*5， I/Y=6/12，FV=0 CPT PMT=3866.56 如果是按照月度复利计息，为什么不是（年利率6%+1）开12次方根再减1，按照这个计算下来是0.486755%，，，而是直接用年利率6%除以12个月等于0.5%？不考虑按月复利计息吗？
NO.PZ2017092702000016问题如下A sports car, purchasefor £200,000, is financefor five years annurate of 6% compounmonthly. If the first payment is e in one month, the monthly payment is closest to: A.£3,847. B.£3,867. C.£3,957. B is correct,“the first payment is e in one month”是第一笔付款在第一个月的意思（t=1），所以是个后付年金问题。后付年金模式下，PV=-200,000, N=12*5， I/Y=6/12，FV=0 CPT PMT=3866.56 这个e是预先支付的意思，为什么不能理解为0时刻支付？
NO.PZ2017092702000016 £3,867. £3,957. B is correct, “the first payment is e in one month”是第一笔付款在第一个月的意思（t=1），所以是个后付年金问题。 后付年金模式下，PV=-200,000, N=12*5， I/Y=6/12，FV=0 CPT PMT=3866.56 如果是先付，题目一般会怎么描述？
