20分緊急!!!) 本利和

要計算利息,有兩種方法:
單利息 (Simple Interest)複利息 (Compounded Interest) - 如果要計算利息, 還要考慮一年內派息的次數(Period)
你無指明要用單利息, 還是複息. 每題我都會利用兩種方法得出答案:

1.

單利息

單利息= 5000 * 6% * 10 = $ 3000
本利和 = 3000 + 5000 = $8000



複利息
你無指明一年內派息的次數, 那我先假設一年派1次息, 然後再假設一年派2, 4及12次利息.

Period = 1
本利和 = 5000 * (1 + 6%)^10 = $8954.24

Period = 2
本利和 = 5000 * (1 + 6%/2)^(10*2) = 5000 * (1 + 3%)^20 = $9030.56

Period = 4
本利和 = 5000 * (1 + 6%/4)^(10*4) = 5000 * (1 + 1.5%)^40 = $9070.09

Period = 12
本利和 = 5000 * (1 + 6%/12)^(10*12) = 5000 * (1 + 0.5%)^120 = $9096.98

*你會發覺, 當Period增加時, 本利和都會隨之增加.





2.

單利息

單利息= 3000 * 5% * 10 = $ 1500
本利和 = 3000 + 1500 = $ 4500


複利息
你無指明一年內派息的次數, 那我先假設一年派1次息, 然後再假設一年派2, 4及12次利息.

Period = 1
本利和 = 3000 * (1 + 5%)^10 = $4886.68

Period = 2
本利和 = 3000 * (1 + 5%/2)^(10*2) = 3000 * (1 + 2.5%)^20 = $4915.85

Period = 4
本利和 = 3000 * (1 + 5%/4)^(10*4) = 3000 * (1 + 1.25%)^40 = $4930.86

Period = 12
本利和 = 3000 * (1 + 5%/12)^(10*12) = 3000 * (1 + 0.416666%)^120 = $4941.03

1)今日本利和
=5000x10+5000x10x6%
=50000+50000x6%
=50000+3000
=＄53000
2)今日本利和
=3000x10+3000x10x5%
=30000+30000x5%
=30000+1500
=＄31500