鏌愬搴簴(zh菙n)鍌欎互鎶垫娂璨告鏂瑰紡璩艰卜涓€濂椾綇鎴�.瑭插搴湀绺芥敹鍏�7000鍏�,鏈€澶氳兘浠ユ湀绺芥敹鍏ョ殑25%鏀粯浣忔埧璨告鐨勬湀閭勬椤�.骞磋哺娆惧埄鐜囩偤6%,鏈€闀疯哺娆炬湡闄�20骞�.鏈€浣庨浠樻鐐烘埧鍍圭殑30%,鑻ラ噰鐢ㄦ寜鏈堢瓑椤嶅劅閭勬柟寮�銆�

鍟�:(1)瑭插搴兘璩艰卜姝ゆ埧鐨勬渶楂樼附鍍规槸澶氬皯?

(2)鑻ョ5骞存湯閵€琛岃哺娆惧埄鐜囦笂瑾�(di脿o)鐐�9%,鐐轰繚鎸佸師鏈堝劅閭勯涓嶈畩.鍓囪┎瀹跺涵闇€鍦ㄧ6骞村垵涓€娆℃€ф彁鍓嶅劅閭勮哺娆惧灏戝厓? 鎻愪緵

(3)濡傛灉涓嶆彁鍓嶅劅閭勮哺娆�,鍓囬渶灏囪哺娆炬湡闄愬欢闀峰灏戝勾?

鍙冭€冪瓟妗�

(1)鏈堥倓娆鹃=7000×25%=1750鍏�,鏈堝埄鐜�=6%/12=0.5%

璩艰卜浣忔埧鏈€楂橀=(1750/0.5%)×[1-(1/(1+0.5%)240)]/70%=348951.93

(2)鏈堝埄鐜�=9%/12=0.75%鎸�6%鍒╃巼瑷堢畻绗�6骞村勾鍒濋倓鍓╃殑璨告绺介=1750/0.5%×[1-(1/(1+0.5%)180)]=207381.15

鎸�9%鍒╃巼瑷堢畻鏈堥倓娆�1750鍏冪浉鐣�(d膩ng)?sh霉)棣丣娆剧附椤�=1750/0.75%×[1-(1/(1+0.75%)180)]=172538.47

鍓囩6骞村勾鍒濋渶瑕佷竴娆℃€ч倓娆鹃=207381.15-172538.47=34842.68鍏�

(3)鑻ヤ繚鎸�1750鐨勬湀閭勬椤嶄笉璁�,闇€瑕佸劅閭勭殑骞撮檺鐐簄

34842.68×(1+0.75%)180 =(1750/0.75%)×[1-(1/(1+0.75%)12n)]

(1+0.75%)12n=2.34258

鍏╅倞鍙栧皪鏁�(sh霉)鍙眰寰梟,12n=113.93(鏈�)

鍥犳,閭勬骞撮檺灏囧欢闀�:113.93÷12=9.49(骞�)

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