lit 發問於 科學及數學數學 · 1 十年 前

這條數我不懂計,請幫忙…

Susannah buys a $40,000 digital camera with a $10,000 trade-in and an additional $5,000 down. The balance is financed over 3 years at 5%. Give an amortization schedule of the loan.

要用present value……

請各位幫忙,謝謝…

還有可不可以解釋一下,運算的方法?

3 個解答

評分
  • 1 十年 前
    最佳解答

    終於有人問amortization schedule of the loan啦

    A=40000-10000-5000=25000

    R=25000/a(3,0.05)=25000/[1-(1+0.05)^-3/0.05]=9180.214

    we have the following amortization schedule of the loan.

    payment no

    periodic payment

    interest at 5%

    principal repaid

    oustanding principal

    25000

    1

    9180.214

    1250

    7930.214

    17069.786

    2

    9180.214

    853.4893

    8326.7247

    8743.0613

    3

    9180.214

    437.1531

    8743.0609

    -0.000365

    the last entry should be 0, however because the rounding problem, it becomes

    -0.000365

    可不可以解釋一下,運算的方法?

    基本上都係用R=A/a(n,i) 去計每期俾幾多錢﹐然後再做一個上面的表慢慢計

    不過有時題目會直接問你某期的outstanding principal 是多少﹐個0的要另外用式做

    詳細可以去借petr zima 本mathematics of finance 書chapter 8睇

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  • 1 十年 前

    40,000+10,000 5,000 X 5%

    =40,000+10,000+250

    =50250

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  • 1 十年 前

    $40,000+$10,000 +$5,000*5%

    =$40,000+$10,000+$250

    =50250

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