开发者:上海品职教育科技有限公司 隐私政策详情

应用版本:4.2.11(IOS)|3.2.5(安卓)APP下载

Sissiwonglx · 2022年05月30日

这道题完全没看懂

NO.PZ2018062016000005

问题如下:

John receive a gift from his grandpa about $1.2 million. He plans to buy a house in five years later, which price is expected to be $250,000 at that time. How much should John deposit now if the stated annual rate is 3% and compounded monthly?

选项:

A.

$215,652

B.

$215,217

C.

$242,620

解释:

B is correct. Present value * (1+3%/12)12*5=$250,000, therefore, John should deposit $215,217 currently.

用TVM好像做不出来,因为没有PMT,解答里左右两边公式什么的,都没看懂

3 个答案

星星_品职助教 · 2022年08月01日

@vicki

EAR的公式有误,EAR=(1+0.03/12)的12次方 -1=0.030416

vicki · 2022年07月31日

老师,这道题可以先算出ear吗?如果可以,按月复利的ear用计算器的操作步骤是(1-0.03/12)的12次方➖1吗?我算出怎么得0.97。。。不知道哪里按错了呢。

星星_品职助教 · 2022年05月31日

同学你好,

这道题可以用TVM即计算器的方式来解,PMT题干没给就说明为0,

代入月度利率I/Y=3/12和N=5×12=60个月,计算器按法为:

N=60; I/Y=3/12; PMT=0; FV=250,000; CPT PV=-215,217

-----

PMT为0的题目也可以用答案解析的公式来算:原理为:PV×(1+r)^n=FV,其中r为期间利率,n为对应的期间数。将除PV外的数据逐项代入就是答案解析里的数字。


  • 3

    回答
  • 1

    关注
  • 226

    浏览
相关问题

NO.PZ2018062016000005问题如下John receive a gift from his grana about $1.2 million. He plans to buy a house in five years later, whipriis expecteto $250,000 thtime. How mushoulJohn posit now if the stateannurate is 3% ancompounmonthly?A.$215,652B.$215,217C.$242,620B is correct. Present value * (1+3%/12)12*5=$250,000, therefore, John shoulposit $215,217 currently.老师您好,为什么可以判断n是5而不是4啊?five years later 是说第五年年初还是年底呢

2022-08-22 17:13 1 · 回答

NO.PZ2018062016000005问题如下John receive a gift from his grana about $1.2 million. He plans to buy a house in five years later, whipriis expecteto $250,000 thtime. How mushoulJohn posit now if the stateannurate is 3% ancompounmonthly?A.$215,652B.$215,217C.$242,620B is correct. Present value * (1+3%/12)12*5=$250,000, therefore, John shoulposit $215,217 currently.请问(1+3%/12)12*5的计算器怎么按呀?如果是250000除以它又怎么按呀

2022-08-22 17:08 2 · 回答

NO.PZ2018062016000005问题如下John receive a gift from his grana about $1.2 million. He plans to buy a house in five years later, whipriis expecteto $250,000 thtime. How mushoulJohn posit now if the stateannurate is 3% ancompounmonthly?A.$215,652B.$215,217C.$242,620B is correct. Present value * (1+3%/12)12*5=$250,000, therefore, John shoulposit $215,217 currently.老师请问这题为什么stateannurate不需要先转换为EAR再计算,而是直接除以12得到月度的利率?

2022-08-18 22:10 1 · 回答

NO.PZ2018062016000005 PV * (1+3%/12)12*5=$250,000 能麻烦老师写一下过程吗? PV * 1.161617=$250,000, 请问这一步应该怎么计算呀?

2022-02-21 00:08 1 · 回答