张同学2020-06-28 06:23:44
张同学老师，题中的这句话，the remaining balance on the loan is assumed to be repaid with a 5.500% stated【 annual interest】，这个5.5%说了是annual rate，那在计算后27年的PMT时为什么I/Y=5.5/12，转换成monthly的呢？
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吴慧敏2020-06-28 12:07:39
吴慧敏你看题目的第一句【A borrower is considering three competing mortgage loan offers from her bank. The amount borrowed on the mortgage is $100,000 with monthly compounding. 】，这里说monthly compounding，每月付息，这是付息方式
而5.5%是年化利率，所以这个年化利率要按照付息方式转换一下，去掉年化
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