一个很简单的问题Compute the PV of an annuity that pays $1,000 per year in sem sem

zj1237

Compute the PV of an annuity that pays $1,000 per year in semiannual installments over five years using an
interest rate of 12 percent, compounded semiannually.

怎么把它计算出来的啊，[（500/1.06+500）/1.06+500]/1.06---------

这么用笔算不是很麻烦吗，你们怎么算，不好意思，我是刚刚才学，好多不明白，麻烦说清楚点

[此贴子已经被作者于2005-7-24 8:51:05编辑过]

mk178_hk

it just show you manually / logically how to think the problems.

Actaully you just need to plug in the numbers into you calculator.

西门品月

复利计算嘛

zuyee

把计算器拿出来用用熟练吧

yanlixia20

不明白

lxzdjd

ok, if you really want to work it out manualy, I suggest that you work backwords(i.e. discount 500 from the end of year 5 to year 0 if 500 is paid in arrear)

hepiano

复利公式，查表。。there is a formula which can work it out.....but i'm very sorry that i forgot it.

hepiano

问题是不是说：每半年偿付500d持续5年，年利12％ 半年6％ 支付10次 计算现值

如果是这样的话，可以这样做：先算终值 FVA＝500『（1+0.06）×（1+0.06）.....(10次方)--1』/0.06

再算现值FVA/{(1+0.06)+.....(10次方)}

对否？错误之处希望大家指出。。。

jack361119

可以用计算器计算

N=5*2=10 PMT=500 FV=0 1/Y=6 ===>CPT PV

exspringer

actually we''ve got : Annuity present value = CF * (1-present value factor)/r

Applying the fomula, it goes PV=500 * [1-(1/1.06 to the power of 10)]/0.06, and obtain PV = 3680