Future value換算成present value都是按照復(fù)利算的嗎
You are considering purchasing a new home.You will need to borrow $250,000 to purchase the home.A mortgage company offers you a 15-year fixed rate mortgage at 9% APR.If you borrow the money from this mortgage company,your monthly mortgage payment will be closest to:
題目中給的是APR(Annual percent rate,單利）為什么答案是
15 years = 180 months,converting 9% APR to monthly interest rate = 9% / 12 = 0.75% monthly.PV = 250,000,r = 0.75%,n = 180,using the annuity formula:250,000=C/0.75%(1−1/(1+0.75%)^180) => C = 2535.6
這不就是把它當(dāng)成復(fù)利算了嗎?