On January 1st, the Smiths bought a house with a 30-year, 6.0% fixed-rate $120,000 mortgage loan; i.e., the 6.0% stated annual rate is payable (compounds) monthly. The monthly payment is $719.46. After eleven months and eleven monthly payments, on November 1st, the loan balance is $118,652.58. After one further monthly payment, at the end of December, what will be the new loan balance? 这个问题，当pv用$118,652.58时，为什么p1,p2还用12呢？当pv用了11月的余额，那么12月底相对于11月只差1个月，所以不是应该输入p1=1,p2=1吗？

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13****032023-10-05 15:52:54

On January 1st, the Smiths bought a house with a 30-year, 6.0% fixed-rate $120,000 mortgage loan; i.e., the 6.0% stated annual rate is payable (compounds) monthly. The monthly payment is $719.46. After eleven months and eleven monthly payments, on November 1st, the loan balance is $118,652.58. After one further monthly payment, at the end of December, what will be the new loan balance? 这个问题，当pv用$118,652.58时，为什么p1,p2还用12呢？当pv用了11月的余额，那么12月底相对于11月只差1个月，所以不是应该输入p1=1,p2=1吗？