ライフ・イ・ア・セ・オブ・キャシュ・フローズ <br>Once you understand the idea of the time value of money, and and of its use for valuing a series of cash flows and of annuities in particular, you can't believe how you ever got through life ssout it. The se are the fundamental relationships that structure so many financial decisions 、 most of which involve a series of cash inflows or outflows. <br><br>Understanding the se relationships can be tool to help you answer some of the most common financial questions about buying and selling liquidity、 because loans and investments are often structured as annuities と certainly take place over time. <br>loans are usually designed as annuities, with regular periodic payments that include interest expense and principal repayment. Using these relationships, you can see the effect of a different amount borrowed (Pvannuity), interest rate (r), or term of the loan (t) on the periodic payment (CF). <br>For example, if you get a $250,000 (PV), thirty-year (t), 6.5 percent (r) mortgage, the monthly payment will be $1,577 (CF). If the same mortgage had an interest rate of only 5.5 percent (r), your monthly payment would decrease to $1,423 (CF). If it were a fifteen-year (t) mortgage, still at 6.5 percent (r), the monthly payment would be $2,175 (CF). If you can make a larger down payment and borrow less, say $200,000 (PV), then with a thirty-year (t), 6.5 percent (r) mortgage you monthly payment would be on $1,262 (CF) (Figure 4.11 mortgage カルクパルション」)。 <br>フィグレ 4.11 モルゲ・カルチュア ...
翻訳されて、しばらくお待ちください..
