都說了是compound每半年,就是複利。 |
送交者: 冬冬 2012年11月25日21:36:03 於 [五 味 齋] 發送悄悄話 |
比如,A residential mortgage of $250,000 has just been arranged for 25 years at an interest 10%. It calls for payments to be made every two weeks.
what is the amount of each payment.
A residential mortgage compounds semi-annually.
10%/2=5%
semi-annual===26 weeks one payment every 2 weeks, so you have to calculate the effective rate for a 2- week period. Because it is a compound interest , you can not just divide 13. (1.05)^(1/13) --1 = 0.376% which is the "true" rate for a 2- week period. -----------------------------------------------That is the calculation for compund interests.------------------------ Now, if you have a finacial calculator, 0.376% would be the rate you use for all calculations related to this example. |
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