這條數我不懂計，請幫忙…

2006-12-21 6:00 am

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？

回答 (3)

myisland8132

2006-12-21 8:01 am

✔ 最佳答案

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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用戶109664

2006-12-31 3:04 am

40,000+10,000 5,000 X 5%
=40,000+10,000+250
=50250

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pong

2006-12-21 6:12 am

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

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

=50250

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