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Ning Cui · 2023年01月24日

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, 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,

“the first payment is due 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

1 个答案

星星_品职助教 · 2023年01月27日

同学你好,

本题是现在借款200,000,所以是PV=-200,000,

每期按照固定的PMT同时还本息,期末正好还清,不需要额外的再还钱,所以是FV=0。

如果FV≠0,说明期末还有额外的现金流发生,本题没有这种情况。

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