《个人理财》计算题2-(2013.6.7)（Personal finance, 2- (2013.6.7)）.docVIP

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《个人理财》计算题2-(2013.6.7)（Personal finance, 2- (2013.6.7)）.doc

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《个人理财》计算题2-(2013.6.7)（Personal finance, 2- (2013.6.7)）

《个人理财》计算题2-(2013.6.7)（Personal finance, 2- (2013.6.7)） Subject: Personal Finance Title: someone is going to buy a set of commercial houses, totaling 500 thousand yuan. If down payment 30%, the bank provides 20 year mortgage loan, the loan interest rate is 6%. According to the above information, answer the following questions. 1. for the purchase of bank loans (C). A.50 million B.15 million C.35 million D.53 million 2., the amount of loans is the value of the house (A). A. now B. future C. appreciation after D. depreciated 3., the annual loan to the bank (A) yuan. A.30514.38 B.31514.38 C.29514.38 D.17500 4., the monthly repayment of the loan to the bank (D) yuan. A.1458.33 B.2459.53 C.2626.19 D.2542.86 5., Chinas mortgage interest rate (BCD). A. is a constant B., based on benchmark interest rate C., taking inflation into account, and D. taking into account the risk factors Solution: 1. Shoufu 30%, for the purchase of bank loans required: 500000 x (1-30%) =350000 yuan 2., the calculation of the present value of the annuity shows that every matching sum in the graph should be translated to the same point in the present, and the sum of the sum is the present value of the ordinary annuity. That is: PA, the PA=350000 in the case is the value of the house now, not the value of the future. And from the limited information provided by the case, we can not predict the future appreciation or depreciation of the house (as is actually the case). 3., the amount of annual loan to the bank is both the A in the present value model of the annuity. A=PA/ =350000/11.47=30514.38 ($) 11.47 is obtained by querying the present value coefficients of the annuity of n=20 and i=6% 4., the monthly repayment of =30514.38/12=2542.86 yuan to the bank 5., Chinas mortgage interest rate has not been constant, and based on the central banks benchmark interest rate, because it is personal to commercial banks, so consider inflation and risk factors. Question: in 2008, the Wang Jianguo family had a 9 yea