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1. Mr. reyes borrows P600,000 at 12% compounded annually agreeing to repay the loan in 15 equal annual payments. how much of the original principal is still unpaid after he has made the 8th payment? ans. P402,040
2. M purchased a small lot in a subdivision, paying P200,000 down and promising to pay P15,000 every 3 months for next 10 years. the seller figured interest at 12% compounded quarterly.
a.)what was the cash price of the lot?
b.)if M missed the first 12 payment, what must he pay at the time the 13th is due to bring him self up to date?

c.) after making 8 payments, M wished to discharge his remaining indebtedness by a single payment at the time when the 9th regular payment was due , what must he pay in addition to the regular payment then due

Sagot :

1.
(i) PV 600,000, R 12%, N 15. Annuity = 88,094.54
(ii) PV 600,000, R 12%, N 8, ANN 88,09.54. FV = 402,042

2.
(a) What's the PV of an Annuity of 15,000, N 40, R 3%.
Answer 346,722 + 200,000 = 546,722

(b)(i) What's the FV of 346,722, R 3%, N 13. Answer 509,173 (ii) What's the PV of Annuity of 15,000, N 27, R 3%. Answer 274,905 (iii) Due at T13: 509,173 - 274,905 = 234,268

(c) PV 346,722, Ann 15,000, N 9, R 3%, FV = 300,007