Question

求助!!经济数学~基本利息理论~(答对会加100分)

第一条:You want to buy a TV and you face the following choices:
i) Buy TV at the store using a bank loan. There is no down payment as the bank can take your TV if you default on the loan. The loan is at the annual market rate of 5%. and the loan amount is $2000 to be repaid monthly over 4 years.
(ii) Rent-to-buy from the same store. The monthly rental is $120 for 48 months andthen you pay $1,000 to own the TV.

Which is the cheapest option and what is the present value of its net cost?

第二条: After visiting your car dealers, doing your research on the best leases available, you have three options.
(i) Purchase the car for cash and receive a $1,000 cash rebate from Dealer A. The price of the car is $10,000.
(ii) Lease the car from Dealer B. Under this option, you pay the dealer $500 now and $200 a month for each of the next 36 months (the first $200 payment occurs 1 month from today). After 36 months you pay $8,000 to own the car.
(iii) Purchase the car from Dealer C who will lend you the entire purchase price of the car for a zero interest 36-month loan with monthly payments. The car price is $10,000.Suppose the market interest rate is 6%.

What is the net cost today of the above three options? Which option offers you the cheapest financing?

请问应该要怎样做呀?!!

Answer 1

第一条：你想购买一台电视和您面临以下选择：
I）在商店使用银行贷款购买电视。有没有首付，如果你拖欠贷款，银行可以把你的电视。贷款是在每年5％的市场利率。贷款金额为2000美元每月偿还超过4年。
（二）租后买的同店。48个月每月的租金是120元，只是等待你自己的电视支付1000美元。
这是最便宜的选择，其净成本的现值是什么？
第二条：在访问您的汽车经销商，做你的研究上最好的租赁，你有三个选择。
（i）购买汽车的现金，并获得1000美元的现金回扣经销商A.汽车的价格是$ 10,000。
（ii）租赁汽车经销商B.根据这个方案，你付出的经销商现在的500美元，并在未来36个月（从今天第一个$ 200的付款后1个月）每月200元。经过36个月支付8,000元至自己的车。
（iii）购买的汽车商C的人会借给你的整个36个月零利率的贷款，每月支付购买汽车的价格。汽车的价格是10,000元。假设市场利率为6％。
上述三个选项的净成本是什么？哪个选项为您提供最便宜的融资呢？