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1. A borrows $20.

000 for 8 years and repays the loan with level annual payments at the end of
each year. B also borrows $20.000 for 8 years, but pays only interest as it is due each year and
plans to repay the entire loan at the end of the 8-year period. Both loans carry an effective
interest rate of 8,5%. How much more interest will B pay than A pays over the life of the loan?

Answer:
Diketahui, principle = $20.000, dengan i = 8,5% = 0,085
Dimana A meminjam $20.000 untuk 8 tahun, dan membayar pinjaman ditambah bunga di setiap
akhir tahun.
Sedangkan B meminjam $20.000 untuk 8 tahun, setiap tahun membayar bunga dan membayar
pinjaman di akhir tahun ke 8.
Misalkan, c = cicilan yang dibayar setiap tahun

Maka, dapat dicari:

c a8 0,085 20.000
c 5, 639 20.000
20.000
c 3546, 7281
5, 639

Selanjutnya dapat diketahui akumulasi interest yang harus dibayar A dan B adalah:

I A 8 c $20.000
8 $3546, 728 $20.000
$28373 $20000 $8373

I B 8 ($20.000 0,085)
8 $1700 $13.600

Maka dapat diketahui selisih perbedaan jumlah interest yang dibayar A dan B adalah:
I B I A $13.600 $8373 $5227
2. A worker aged 40 wishes to accumulate a fund for retirement by depositing $3000 at the
beginning of each year for 25 years. Starting at age 65 the worker plans to make 15 annual
withdrawls at the beginning of each year. Assuming that all payments are certain to be made,
find the amount of each withdrawl starting at age 65 to the nearest dollar, if the effective rate of
interest is 8% during the first 25 years but only 7% thereafter.

Answer:
Diketahui, principle = $3000, interest (i) = 8% =0,08
Diumur 65 pekerja tsb berencana melakukan penarikan setiap awal tahunnya selama 15 tahun.
Dimana interest pada 25 tahun pertama = 8% dan sisanya 7%.

Maka dapat digunakan rumus anuitas due,


s25 a25 c

Pertama, dicari nilai v untuk masing-masing interest,


1 1
- Interest rate ( 7% ) = v 0,93
1 i 1, 07
1 1
- Interest rate ( 8% ) = v 0,93
1 i 1, 08

Maka dapat dicari nilai :

(1 i) n 1
s25
d

(1 0,08)25 1
s25 78,95
1 0,93

1 vn
a15
d

1 0,9315
a15 9,75
1 0,93

Maka diperoleh :

s25 a25 c

3000 s25 8% R a15 7%

3000 78,95 R 9, 75 , maka R 24,305 .


3. Annuities X and Y provide the following payments:

End of year Annuity X Annuity Y


1-10 1 K
11-20 2 0
21-30 1 K

Annuities X and Y have equal present value at an annual effective interest rate i such that
1
v10 . Determin K.
2

Answer:

1
Diketahui : v
10

Dimana PVX PVY , maka :

PVX PVY

1 a10 2 a10 V 10 1 a10 V 20 K a10 K a10 V 20

1 2 V 10 V 20 K (1 V 20 )

1 2V 10 V 20
K
1 V 20

1 1
1 2( ) ( ) 2
K 2 2
1 2
1 ( )
2

1
11
K 4 1,8
1
1
4

Maka diperoleh K = 1,8.