DerekWaynehasobtaineda30-year，fixed-ratehomeloanof100，000withanannualinterestrateof7.5percent．Becausetheloanextendsforsuchalengthyperiod，themortgage（抵押）companycalculatesamonthlypaymentthatensuresitwil|小学英语问答-问答网

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更新时间:2024-04-20 07:59:07

问题描述：

DerekWaynehasobtaineda30-year，fixed-ratehomeloanof 100，000withanannualinterestrateof7.5percent．Becausetheloanextendsforsuchalengthyperiod，themortgage（抵押） companycalculatesamonthlypaymentthatensuresitwillgetmostofitsinterestbackfirst．Thusinthebeginningmonths，Wayne'sprincipalpayment-theamounthepaystowardhisactualloan-increasesextremelyslowly．

PaymentNumberTotalMonthly
PaymentPrincipalPortionofPaymentInterestPortionofPaymentCurrentBalance

1	699.21	74.21	625.00	99，925.79
2	699.21	74.68	624.54	99，854.11
359	699.21	690.56	8.66	694.87
360	699.21	694.87	4.34	0.00

Let'sanalyzeWayne'searlypayments．ImaginethatonDecember15theMauritanianMortgageCorporationgivesWayne100，000，andonJanuary15hisinitialpaymentisdue．Throughoutthisfirstmonth，interestaccumulatesontheentire 100，000．Onayearlyinterestrateof7.5%，Wayne'smonthlyrateis0.625% or7.5%dividedby12．Multiplying100，000by0.625% yields625，theportionofWayne'sfirstmonthlypaymentthatisinterest．SoWaynenowowes 99，925.79 （ 100，625-699.21）．HisFebruaryinterestpaymentwillbe0.625% of 99，925.79．

BythetimeWaynemakeshislastfewpayments，hismonthlyinterestpaymenthasdecreasedconsiderably．Hisbalancefollowinghis359thpaymentis 694.87，and0.625% ofthatisabout 4.34，hisfinalinterestpayment．WhatwasthetotalamountofinterestWaynepaid？Multiplying360monthsby699.21equals 251，715.60，andsubtracting100，000（theloanamount） leaves151，715.60-over1.5timeswhatheactuallyborrowed!

46．Thispassageismainlyconcernedwith___．

A．DerekWayne

B．theMauritanianMortgageCorporation

C．howinterestpaymentsonaloanchange

D．calculatingthenumberofpaymentsWaynemade

47．ThemonthlyinterestrateonWayne'sloanwas___．

A.7.5% B.6.5% C.0

李庆涛回答：

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　　CCAB 　　46 C 主旨大意题．根据文章最后3行WhatwasthetotalamountofinterestWaynepaid？Multiplying360monthsby699.21equals251，715.60，andsubtracting100，000（theloanamount）leaves151，715.60-over1.5timeswhatheactuallyborrowed!可知本文最后要我们计算的是DerekWayne借$100，000所要还的最后的总的钱数．故C正确．　　47 C 细节题．根据文章第二段Onayearlyinterestrateof7.5%，Wayne'smonthlyrateis0.625%or7.5%dividedby12．可知他的贷款的年利率是7.5%，除以12个月，每个月是0.625%，故C正确．　　48 A 细节题．根据文章最后2行Multiplying360monthsby699.21equals251，715.60，andsubtracting100，000（theloanamount）leaves151，715.60-over1.5timeswhatheactuallyborrowed!可知每个月Wayne要还的是$699.21故A正确．　　49 B细节题．根据表格的第一行和最后一行可知这个表格告诉我们的是．DerekWayne借这笔款第一个月和最后一个月所要还的钱数．而且还详细地告诉我们总数，本金以及利息的具体数据．故B正确．