...rate is 10% compounded
编辑： admin 2017-03-03
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15年当中,每半年存450,前面7年半的利率是10%,后面七年半的利率是11%
题目是不是这个意思?
因为每半年计算一次利息,所以半年的利息是5%和5.5%,千万别搞错哦
前7年半的存款：450*(1.05^15-1)/0.05=9710.35,然后再以1.055的半年利率存了15个半年,即最终存款为9710.35*1.055^15=21678.13
后7年半的存款：450*(1.055^15-1)/0.055=10083.90
二者最终相加：21678.13+10083.90=31762.03
所赚利息=31762.03-450*30=18262.03
类似问题
类似问题1：一题金融数学 英语An invoice for $13600 dated july 18 has terms:3/10 1.25/20 n/30.a.what is the last date of discount period?b.A payment for $8000 on july 39 was made,what will be the balance left?c.what payment will settle the invoice alance [英语科目]
a.what is the last date of discount period?
答案：August 6
b.A payment for $8000 on july 39 was made,what will be the balance left?
July 39 写错了,检查一下再追问.
c.what payment will settle the invoice balance if paid on august
答案：$13600
类似问题2：You are currently age 20,you will start work at 25 and work until age 65,then you will retire and live until age 90.you spend $30,000 per year to live now(in today's dollars).your wish is to have the same amout to spend in retirement( same lifestyle)[英语科目]
1.20岁每年3万,至65岁退休后当年需花费3*（1+2%）^45 = 7.3万
2.pv = 7.3 + 7.3（1+2%）/(1+6%) + 7.3（1+2%）^2/(1+6%)^2 +.+7.3（1+2%）^24/(1+6%)^24 = 15.95万
3.fv=15.95 n=30 I=6% pv =0,求出pmt=1.16（这是按年计算的）,得出结果后除以12,可得到每个月的投资金额为966.67元.
类似问题3：英文金融数学题A debt of $12,000,which is due 10 years from now,is instead to be paid off by four payments:$3000 now,$2000 in 3 years,$2000 in 6 years,and a final payment at the end of 8 years.What would this payment be if an interest rate of 5
债务$12,000,从现在起是交付10年,将由四付款付清：$3000现在,$2000在3年,$2000在6年和最后支付在8年的结尾.如果每半年被配制的利率的5.5%假设,什么这付款是?
类似问题4：A loan of $100,000 is taken out from a bank with a nominal interest rate of 8% p.a..If the monthly repayments are continously compounded over a 12-year period,calculate the size of a monthly repayment.不是翻译题，是计算题哦[英语科目]
这题题目很简单,无非就是借贷100000美金,名义利率8%,分月偿还,12年还清,问每个月换多少
很简单,建立一个等式,每个月的偿还金额的现值之和=100000即可
设每月偿还A
现在的主要问题是月利率的计算
（1）若按照连续复利计算,那么月利率就是e^(8%/12) -1
那么等式就是
A*e^[(8%/12)*(-1)]+A*e^[(8%/12)*(-2)]+A*e^[(8%/12)*(-3)]+……+A*e^[(8%/12)*(-144)]=100000
左边是个等比数列,共144项(12年每年12个月),用等比数列求解即可
（2）若月利率不是按照连续复利计算
那么等式就是
A*(1+8%/12)^(-1)+A*(1+8%/12)^(-2)+A*(1+8%/12)^(-3)+……+A*(1+8%/12)^(-144)=100000
方法和前面一样
我不是学金融的,对银行的实际利率怎么算并不是十分清楚,以上都是基于课本的知识
类似问题5：金融数学用英语怎么说[英语科目]
financial mathematics