作者maydayjing (仲夏夜之星)
看板ask
标题Fw: [考题] 财务管理 年金现值 买车或租车 (急!!!
时间Tue Apr 26 12:00:31 2016
※ [本文转录自 Examination 看板 #1N7jpl7k ]
作者: maydayjing (仲夏夜之星) 看板: Examination
标题: [考题] 财务管理 年金现值 买车或租车
时间: Tue Apr 26 11:13:45 2016
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国考板大家好
求助一题 > < 谢谢大家！！！！！
The car you wish to buy costs $32000.
The dealer has a special leasing arrangment where you pay $1200 today
and $469 per month for the next three years.
If you purchase the car, you will pay it off in monthly payments
over the next three years at an APR of 6%.
You believe you will be able to sell the car for $19000 in three years.
Should you buy or lease the car?
What break-even resale price in three years would make you indifferent
between buying and leasing?
谢谢大家！！！
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※ 编辑: maydayjing (114.42.7.51), 04/26/2016 11:14:15
※ 编辑: maydayjing (114.42.7.51), 04/26/2016 11:14:52
PV of lease payments
1-1/(1+6%/12)^36 / 6%/12
= (1-0.8356) / 0.005
=32.88
469*32.88+1200=16620.72
可是老师答案是 16616.51
PV of resale price
19000/(1+0.06)^36
=19000/1.1967
=15876.995
可是老师答案是 15877.25
PV of purchase
32000-15876.995=16123.005
可是老师答案是 16122.75 (当然因为上一题就不一样了)
Breakeven resale price 不会算
请大家帮忙 谢谢！！！！！
※ 编辑: maydayjing (114.42.7.51), 04/26/2016 12:00:12
※ 发信站: 批踢踢实业坊(ptt.cc)
※ 转录者: maydayjing (114.42.7.51), 04/26/2016 12:00:31
1F：→ einard666: 因为你运算中取的小数点位数比较少 所以答案有误差 04/26 15:01
2F：→ einard666: 以第二题而言 直接整个用计算机按 就会是老师的答案 04/26 15:01