求解一题英语的金融数学
12.Deposits of $450 made at the end of every 6 months for 15 years.The interest rate is 10% compounded semi-annually for the first 7½ years and 11% compounded semi-annually thereafter.
a) Calculate the future value of the deposits.[$31,762.03]
b) How much interest is earned?[ $18,262.03]
公式应该是Sn=R[(1+i)^n-1]/i
15年当中,每半年存450,前面7年半的利率是10%,后面七年半的利率是11%
题目是不是这个意思?
因为每半年计算一次利息,所以半年的利息是5%和5.5%,千万别搞错哦
前7年半的存款：450*(1.05^15-1)/0.05=9710.35,然后再以1.055的半年利率存了15个半年,即最终存款为9710.35*1.055^15=21678.13
后7年半的存款：450*(1.055^15-1)/0.055=10083.90
二者最终相加：21678.13+10083.90=31762.03
所赚利息=31762.03-450*30=18262.03
