来自《耶鲁大学开放课程：金融理论 第7集 第7集》
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at a given interest rate.计算市值 -
They know what an annuity is他们懂什么叫年金 -
and how to compute its present value.并且会计算它的现值 -
A mortgage is almost the same thing as an annuity,抵押贷款和年金保险差不多 -
the only twist is that the mortgage is computed monthly唯一的区别是抵押贷款是按月利率 -
instead of annually, using a monthly interest rate,每月结算的 而不是每年结算 -
but when they say the monthly interest rate,但是他们说月利率的时候 -
instead of telling you the monthly interest rate一般不会单独告诉你每月利率 -
they tell you the monthly interest rate times 12.而是告诉你月利率乘以12的总值 -
It's just a convention.这是个惯例 -
All right, so those are all the things you have to memorize.好的 这些就是你们这次要掌握的内同 -
Now, let's try to use the way we can think接下来咱们用这些知识