UC知道financial calculations求解
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不是翻译~是求解~
希望能详细讲下过程~
If we save $500 every 6 months at a rate of 6%p.a. compounded half-yearly, how long will it take us to have at least $5000? What is the APR?
(b) A debtor is to amortize a $7000 car loan by making equal payments at the end of each month for 36 months. If interest is at 4% p.a. compounded monthly,
(i) find the amount of each payment
(ii) the financial charge.
希望能详细讲下过程~
If we save $500 every 6 months at a rate of 6%p.a. compounded half-yearly, how long will it take us to have at least $5000? What is the APR?
(b) A debtor is to amortize a $7000 car loan by making equal payments at the end of each month for 36 months. If interest is at 4% p.a. compounded monthly,
(i) find the amount of each payment
(ii) the financial charge.
第一题,先说下两个缩写
p.a.是percent annual;APR是Annual Percentage Rate
问多长时间能累积到5000，每半年存500，年利率6%，半年计一次利息，且为复利
即500*（1+6%/2）^t+500*（1+6%/2）^(t-1)+...+500*（1+6%/2）=5000
求得t=8.87，即约4年半后
APR=(1+6%/2)^2-1=6.09%
第二题
某人7000买车，36个月分期付款，每次付款额相同,年利率为4%,月(每次付款间隔)利率为4%/12=0.333%
1.先求每个payment的值
7000=P/1.00333+P/1.00333^2+...+P/1.00333^36
即每次payment=206.667
2.financial charge指的应该是总付款中利息的数额
36*206.6-7000=440