財(cái)務(wù)管理學(xué)第二章財(cái)務(wù)管理的基本觀念-展示頁
2025-01-27 09:50本頁面
【正文】 判決，為償還債務(wù)，所有田納西鎮(zhèn)的居民在其余生中不得不靠吃麥當(dāng)勞等廉價快餐度日。紐約布魯克林法院判決田納西鎮(zhèn)應(yīng)向美國投資者支付這筆錢。 I/Y = ? CPT N = years ? Using the formula ? t = ln(21,750 / 15,000) / ln() = years 案例、習(xí)題與討論 ? 如果你突然收到一張事先不知道的 1260億美元的賬單，你一定會大吃一驚。 FV = 20,000 ? CPT N = years ? Suppose you want to buy a new house. You currently have $15,000 and you figure you need to have a 10% down payment（頭期款） plus an additional 5% of the loan amount for closing costs（買賣手續(xù)費(fèi)） . Assume the type of house you want will cost about $150,000 and you can earn % per year, how long will it be before you have enough money for the down payment and closing costs? ? How much do you need to have in the future? ? Down payment = .1(150,000) = 15,000 ? Closing costs = .05(150,000 – 15,000) = 6,750 ? Total needed = 15,000 + 6,750 = 21,750 ? Compute the number of periods ? PV = 15,000。 ? 計(jì)息期短于一年的情況下時間價值的計(jì)算 ： ? 貼現(xiàn)率和期限的計(jì)算 ： FV = PV(1 + r)t ? r = (FV / PV)1/t – 1 ? t = ln(FV / PV) / ln(1 + r) 插入法 nmtmir???AP V AP V IF AAF V AF V IF AFVPVP V IFPVFVF V IFnninninninni????,? Suppose you are offered an investment that will allow you to double your money in 6 years. You have $10,000 to invest. What is the implied rate of interest? ? N = 6 ? PV = 10,000 ? FV = 20,000 ? CPT I/Y = % ? You want to purchase a new car and you are willing to pay $20,000. If you can invest at 10% per year and you currently have $15,000, how long will it be before you have enough money to pay cash for the car? ? I/Y = 10。 時間價值的計(jì)算 —— 年金終值與現(xiàn)值 ? FVIFA: Future Value Interest Factor of Annuity ? PVIFA: Present Value Interest Fac
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