利息论第四章.pptVIP

2021/10/10 * 利息论讲义——第四章 分期偿还与偿债基金 例4.6.2 贷款额为380,贷款利率是10%,偿债基金利率是7%,贷款期限是3年,列出偿债基金法的明细表. 2021/10/10 * 利息论讲义——第四章 分期偿还与偿债基金 例4.6.3 Ran takes out a 10-year loan for 4600. Interest on the loan is charged at 9% annual effective rate. Ran repay the loan by making 10 annual pmts at the end of each year consisting of the interest on the loan and a sinking fund deposit. The total pmt each year is 743. The amount is the sinking fund will exactly pay off the loan at the end of the 10 years. During the first 9 years of the loan , the sinking fund annual effective rate is 7.75%, after year 9, the sinki