HELP!第一题最重要!只会第一题也可以啦,1)AninvestmentrequiresHK$100,000initiallyandHK$150,000inthebeginningofeachofthenexttwoyears.However,thereisareturnofanamountHK$500,000atthebeginningofthe4thyear.Assumeth

Question

HELP!第一题最重要!只会第一题也可以啦,
1)An investment requires HK$100,000 initially and HK$150,000 in the beginning of
each of the next two years.However,there is a return of an amount HK$500,000 at
the beginning of the 4th year.Assume the nominal interest rate each year is 10%
and interest is compounded yearly.Is this investment desirable?Please explain.
Are there other factors need to be considered?
2)Michael plans to buy a newly built flat in Yuen Long and will borrow
HK$3,000,000.Annual mortgage rate compounded monthly in 15 years term
(under prime minus plan) of HSBC Bank is 2% with cash rebate of $30,000 back
to the borrower,while annual mortgage rate compounded monthly in 15 years term
(under interbank rate plus plan) of Bank of China is 1.7% with no cash rebate to
the borrower.Which offers should Michael choose?Please explain.Are there other
factors need to be considered?
3)Suppose you have HK$10,000,000 for investing for 10 years.The bank offers you
interest on time deposit at yearly interest rate of r% compounded monthly.Suppose
further that you let the time deposit roll over to another period(s) and do not
withdraw any cash.Please fill in the details.
The value of r Amount at the end of year 10
r = 1
r = 2
r = 3

Answer 1

时间不多,只答第一题.
1、这笔投资是合算的.分析如下：（以下所有单位均为HK$,分析过程中略去）
如果不投资,则第四年开始的时候总共能够获得的利息是400,000*(100%+10%)^3 - 400,000=132,400,此为不投资获利
如果投资,第一年的利息为300,000*0.1 = 30,000,第二年的利息为(150,000+30,000)*0.1 = 18,000,第三年的利息为18,000*0.1=1,800,投资总获利为500,000+30,000+18,000+1,800 - 400,000 = 149,800,投资获利(HK$149,800)>不投资获利(132,400),故投资是可行的.
是否考虑其他因素就你自己发挥了.