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target='_self'>建設(shè)工程教育網(wǎng)</a> > <a href='/gujia/'>房地產(chǎn)估價(jià)師</a> > <a href='/gujia/stzx/'>試題中心</a> > <a href='/gujia/moniti/'>模擬試題</a></div>  <div id="by07id05ai" class="layout clearfix">  <div id="by07id05ai" class="main-left clearfix">  <a href="http://m.hua-lang.com/gujia/project/" target="_blank" title="2025年房地產(chǎn)估價(jià)師招生方案"><img src="/upload/resources/image/2024/11/15/597074.png" alt="2025年房地產(chǎn)估價(jià)師招生方案" class="banner"></a>   <div id="by07id05ai" class="news_mian"> <h1><span id="ycTitle"></span>某家庭欲購(gòu)買總價(jià)為125萬(wàn)元的一套住宅。該家庭月收入為20000元，準(zhǔn)備用月收入的40%來(lái)支付抵押貸款月還款額。已知貸款期限為10年，按月等額償還，年貸款利率為6%。則該家庭的首付款額是（　）元。</h1> <div id="by07id05ai" class="mark"> <div id="by07id05ai" class="lTxt"> <span id="by07id05ai" class="time">2021-12-12 10:04</span> <span id="by07id05ai" class="source">來(lái)源：<a href="http://m.hua-lang.com" title="建設(shè)工程教育網(wǎng)">建設(shè)工程教育網(wǎng)</a></span> </div> <a href="javascript:void(0);" target="_self" class="collection li-an"></a> <a href="javascript:void(0);" target="_self" class="print" onclick="javascript:window.print()">打印</a> <div id="by07id05ai" class="font_size">字體：<a href="javascript:void(0);" target="_self" class="big">大</a><a href="javascript:void(0);" target="_self" class="small">小</a></div> </div> </div>   <div id="by07id05ai" class="news_con"> <div id="by07id05ai" class="jxbox clearfix"> <p style="text-indent: 2em; text-align: left;"> <strong>不定項(xiàng)選擇題</strong> </p> <p style="text-indent: 2em; text-align: left;"> 某家庭欲購(gòu)買總價(jià)為125萬(wàn)元的一套住宅。該家庭月收入為20000元，準(zhǔn)備用月收入的40%來(lái)支付抵押貸款月還款額。已知貸款期限為10年，按月等額償還，年貸款利率為6%。則該家庭的首付款額是（?。┰?</p> <p style="text-indent: 2em; text-align: left;"> A 529412.37 </p> <p style="text-indent: 2em; text-align: left;"> B 83265.38 </p> <p style="text-indent: 2em; text-align: left;"> C 87867.78 </p> <p style="text-indent: 2em; text-align: left;"> D 91022.12 </p><script type="text/javascript">function display(id){ var traget=document.getElementById(id); if(traget.style.display=="none"){ traget.style.display=""; }else{ traget.style.display="none"; } }</script> <p> <input onclick="loginRegister(1);return false;" type="button" class="noLogin" style="margin-left:30px;" value="查看/隱藏答案"/><input onclick="display('menu')" type="button" class="yesLogin" style="display:none;margin-left:30px;" value="查看/隱藏答案"/>　 </p> <form></form> <div style="DISPLAY: none" id="menu"> <p style="text-indent: 2em; text-align: left;"> 正確答案：A </p> <p style="text-indent: 2em; text-align: left;"> 答案解析：本題考查的是復(fù)利系數(shù)的應(yīng)用。月還款A(yù)＝20000×40%＝8000（元），i＝6%/12＝0.5%，n＝10×12＝120，可負(fù)擔(dān)的貸款額P=<span style="color: rgb(51, 51, 51); font-family: "Microsoft YaHei", "微軟雅黑,黑體", 微軟雅黑, "Heiti SC", tahoma, arial, "Hiragino Sans GB", 宋體, sans-serif; font-size: 16px; background-color: rgb(245, 245, 245);">A/i×[1-1/(1+i)</span><sup style="color: rgb(51, 51, 51); font-family: "Microsoft YaHei", "微軟雅黑,黑體", 微軟雅黑, "Heiti SC", tahoma, arial, "Hiragino Sans GB", 宋體, sans-serif; white-space: normal; background-color: rgb(245, 245, 245);">n</sup><span style="color: rgb(51, 51, 51); font-family: "Microsoft YaHei", "微軟雅黑,黑體", 微軟雅黑, "Heiti SC", tahoma, arial, "Hiragino Sans GB", 宋體, sans-serif; font-size: 16px; background-color: rgb(245, 245, 245);">]=8000/0.5%×[1-1/(1+0.5%)</span><sup style="color: rgb(51, 51, 51); font-family: "Microsoft YaHei", "微軟雅黑,黑體", 微軟雅黑, "Heiti SC", tahoma, arial, "Hiragino Sans GB", 宋體, sans-serif; white-space: normal; background-color: rgb(245, 245, 245);">120</sup><span style="color: rgb(51, 51, 51); font-family: "Microsoft YaHei", "微軟雅黑,黑體", 微軟雅黑, "Heiti SC", tahoma, arial, "Hiragino Sans GB", 宋體, sans-serif; font-size: 16px; background-color: rgb(245, 245, 245);">]</span>=720587.63（元），首付款＝1250000－720587.63＝529412.37（元）。 </p></div> <p style="text-indent: 2em; text-align: center;"> <a target="_blank"><span style="font-size: 16px; color: rgb(192, 0, 0);">進(jìn)入房地產(chǎn)估價(jià)師考試題庫(kù)做題>></span></a> </p> <p 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