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忒弥斯的蒙眼布 · 2021年07月02日

怎么看出来用的是后付年金？

  1. CFA I
  2. Quantitative

NO.PZ2015120604000019

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.

怎么看出来用的是后付年金？

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1 个答案

星星_品职助教 · 2021年07月03日

同学你好， 如果题干没有刻意强调是先付年金，都按照后付年金来处理。

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