题目
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?
选项
A.$117,933.12
B.$118,133.12
C.$118,526.38
D.$118,611.25
答案
C
解析
The interest portion of the next payment =$118,652.58×6.0%/12 = $593.26.The principal portion of the next payment = $719.46-593.26=$126.20The new balance will be $118,652.58-$126.20=$118,526.38 当期应还利息：$118,652.58×6.0%/12 = $593.26. 当期应还本金：$719.46－593.26=$126.20 期末本金余额：$118,652.58－$126.20=$118,526.38