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妗堜緥鍒嗘瀽椤�

鏉庢煇浜�2013骞�5鏈�1鏃ヤ互100钀�(w脿n)鍏冭臣(g貌u)寰椾竴濂椾綇瀹�锛屽叾涓�70%渚�(l谩i)鑷妧琛屾彁渚涚殑骞村埄鐜囩偤6%銆佹湡闄愮偤20骞淬€佹寜鏈堢瓑椤嶅劅閭勭殑鍊�(g猫)浜轰綇鎴挎姷鎶艰哺娆�銆�2023骞�5鏈�1鏃�锛屾潕鏌愬皣姝ゅ浣忓畢閫ｅ悓鑸囦箣鐩搁棞(gu膩n)鐨勬姷鎶煎偟鍕�(w霉)杞�(zhu菐n)璁撶郸瓒欐煇锛岄妧琛屽皪(du矛)鍓╀綑璨告鐐鸿稒鏌愰噸鏂板畨鎺掍簡璨告鏂规:璨告寰�2023骞�5鏈�1鏃ラ枊(k膩i)濮嬫湡闄愮偤10骞�銆佸勾鍒╃巼鐐�4.8%銆佹寜鏈堢瓑姣旈仦澧炲紡閭勬(鏈堢瓑姣旈仦澧炴瘮鐜囩偤0.3%)銆傝珛(q菒ng)瑷�(j矛)绠楄稒鏌愮殑棣栨鏈堥倓娆鹃銆�

銆愬弮鑰冪瓟妗堝強瑙ｆ瀽銆�

P=100*70%=70(钀�(w脿n)鍏�)

i鏈�=6%/12=0.5%

n=20*12=240(鍊�(g猫)鏈�)

A=P*[i*(1+i)ⁿ]/[(1+i)ⁿ-1]

=700000x[0.5%*(1+0.5%)240]/[(1+0.5%)240-1]=5015(鍏�)

P’=5015/0.5%x[1-1/(1+0.5%)120]=451718.3684(鍏�)

瓒欐煇鐨勬柊閭勬鏂瑰紡鐐猴細

P’=451718.3684锛宨鏈�=4.8%/12=0.4%锛宯=10x12=120(鍊�(g猫)鏈�)

棣栨湀閭勬椤嶇偤锛�-P’*(i-s)/{1-[(1+s)/(1+i)]n}=451718.3684*(0.4%-0.3%)/{1-[(1+0.3%)/(1+0.4%)]120}=4007.85(鍏�)

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