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]

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

jack361119

可以用计算器计算

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

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。。。

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.

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)

yanlixia20

不明白

zuyee

把计算器拿出来用用熟练吧

西门品月

复利计算嘛

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.