题目
Which is nearest to the principal component of the first monthly payment on a 30-year fixed rate mortgage (FRM) with an original balance of $140,000 when the interest rate is 3.60%?
选项
A.$39.00
B.$216.50
C.$420.00
D.$636.50
答案
B
解析
As the monthly payment is $636.50 and the interest component is $420.00=$140,000×0.0360/12, the principal component is $216.50=$636.50-$420.00. 使用计算器每月偿还额PMT=$636.50. 第一个月应还利息：$420.00=$140,000×0.0360/12. 第一个月应还本金：$216.50=$636.50－$420.00.