U.S. Prime Rate History 及贷款估计

bigjoe

我们来算一下，贷款后大概要还多少钱？
用贷款读书的同学大多了解贷款一般是US Prime Rate + margin
margin有的学校是3%，有的学校是4%，但这个数值是固定。
而Prime Rate是浮动的，也就是说，用现在的Prime rate计算出来的还款数额不代表真正要还的款项。
所以我们来做个计算，下面是最近几十年的U.S Prime Rate History。
可以看到，现在的Prime Rate是最近数十年来最低的，我们不能期待它永远这么低。
虽然我们不能预测未来，但是我们可以用过去10年的平均数据做个简单的猜测，假设未来10年的平均U.S. Prime Rate和过去10年一样。
如果我们贷款10万美元，并10年后还清。
经过简单计算，过去10年的平均U.S. Prime Rate是6.6%，Margin是3%-4%的话，则大约国际学生利率是10%
所以，需要还款的数量大约是 10万*1.1^10=26万美元。
*实际情况会比这个少一些，因为会不断的还款使得本金变少。
*本人不是金融背景，有错误的地方还请多指正。


http://www.wsjprimerate.us/wall_street_journal_prime_rate_history.htm#current

History of The U.S. (Fed) Prime Rate from 1947 to The Present - Click Here for The Current U.S. Prime Rate -
Date of Rate Change	Rate (%)
December 1, 1947	1.75
August 1, 1948	2
September 22, 1950	2.25
January 8, 1951	2.5
October 17, 1951	2.75
December 19, 1951	3
April 27, 1953	3.25
March 17, 1954	3
August 4, 1955	3.25
October 14, 1955	3.5
April 13, 1956	3.75
August 21, 1956	4
August 6, 1957	4.5
January 22, 1958	4
April 21, 1958	3.5
September 11, 1958	4
May 18, 1959	4.5
September 1, 1959	5
August 23, 1960	4.5
December 6, 1965	5
March 10, 1966	5.5
June 29, 1966	5.75
August 16, 1966	6
January 26, 1967	5.75
March 27, 1967	5.5
November 20, 1967	6
April 19, 1968	6.5
September 25, 1968	6.25
December 2, 1968	6.5
December 18, 1968	6.75
January 7, 1969	7
March 17, 1969	7.5
June 9, 1969	8.5
March 25, 1970	8
September 21, 1970	7.5
November 12, 1970	7.25
November 23, 1970	7
December 22, 1970	6.75
January 6, 1971	6.5
January 15, 1971	6.25
January 18, 1971	6
February 16, 1971	5.75
March 11, 1971	5.5
March 19, 1971	5.25
April 23, 1971	5.5
July 7, 1971	6
October 20, 1971	5.75
November 8, 1971	5.5
December 17, 1971	5.25
January 3, 1972	5
January 18, 1972	4.75
February 16, 1972	4.5
March 20, 1972	4.75
March 31, 1972	5
June 27, 1972	5.25
August 29, 1972	5.5
October 3, 1972	5.75
December 27, 1972	6
February 27, 1973	6.25
March 26, 1973	6.5
April 19, 1973	6.75
May 7, 1973	7
May 25, 1973	7.25
June 7, 1973	7.5
June 22, 1973	7.75
July 2, 1973	8
July 9, 1973	8.25
July 18, 1973	8.5
July 30, 1973	8.75
August 6, 1973	9
August 13, 1973	9.25
August 21, 1973	9.5
August 28, 1973	9.75
September 18, 1973	10
October 23, 1973	9.75
October 29, 1973	9.5
December 3, 1973	9.75
January 29, 1974	9.5
February 11, 1974	9.25
February 19, 1974	9
February 25, 1974	8.75
March 22, 1974	9
April 1, 1974	9.25
April 4, 1974	9.5
April 8, 1974	9.75
April 11, 1974	10
April 22, 1974	10.25
April 25, 1974	10.5
May 2, 1974	10.75
May 7, 1974	11
May 10, 1974	11.25
May 17, 1974	11.5
June 27, 1974	11.75
July 8, 1974	12
October 8, 1974	11.75
October 22, 1974	11.25
November 6, 1974	11
November 13, 1974	10.75
November 25, 1974	10.25
January 9, 1975	10.25
January 15, 1975	10.00
January 20, 1975	9.75
January 28, 1975	9.50
February 3, 1975	9.25
February 10, 1975	9.00
February 18, 1975	8.75
February 24, 1975	8.50
March 5, 1975	8.25
March 10, 1975	8.00
March 18, 1975	7.75
March 24, 1975	7.50
May 20, 1975	7.25
June 9, 1975	7.00
July 20, 1975	7.25
July 29, 1975	7.50
August 11, 1975	7.75
September 12, 1975	8.00
October 28, 1975	7.75
November 7, 1975	7.50
December 2, 1975	7.25
January 12, 1976	7.00
January 21, 1976	6.75
June 1, 1976	7.00
June 10, 1976	7.25
August 3, 1976	7.00
September 24, 1976	6.75
November 1, 1976	6.50
November 24, 1976	6.25
May 13, 1977	6.50
May 31, 1977	6.75
August 22, 1977	7.00
September 16, 1977	7.25
October 7, 1977	7.50
October 24, 1977	7.75
January 10, 1978	8.00
May 5, 1978	8.25
May 26, 1978	8.50
June 16, 1978	8.75
July 30, 1978	9.00
August 31, 1978	9.25
September 15, 1978	9.50
September 28, 1978	9.75
October 13, 1978	10.00
October 27, 1978	10.25
November 1, 1978	10.50
November 6, 1978	10.75
November 17, 1978	11.00
November 24, 1978	11.50
December 26, 1978	11.75
June 19, 1979	11.50
July 27, 1979	11.75
August 16, 1979	12.00
August 28, 1979	12.25
September 7, 1979	12.75
September 14, 1979	13.00
September 21, 1979	13.25
September 28, 1979	13.50
October 9, 1979	14.00
October 23, 1979	15.00
November 1, 1979	15.25
November 9, 1979	15.50
November 16, 1979	14.75
November 30, 1979	15.50
December 7, 1979	15.25
February 19, 1980	15.75
February 22, 1980	16.50
February 29, 1980	16.75
March 4, 1980	17.25
March 7, 1980	17.75
March 14, 1980	18.50
March 19, 1980	19.00
March 28, 1980	19.50
April 2, 1980	20.00
April 18, 1980	19.50
May 1, 1980	18.50
May 7, 1980	17.50
May 16, 1980	16.50
May 23, 1980	14.50
May 30, 1980	14.00
June 6, 1980	13.00
June 13, 1980	12.50
June 17, 1980	12.00
July 7, 1980	11.50
July 25, 1980	11.00
August 22, 1980	11.25
August 27, 1980	11.50
September 8, 1980	12.00
September 12, 1980	12.25
September 19, 1980	12.50
September 26, 1980	13.00
October 1, 1980	13.50
October 17, 1980	14.00
October 29, 1980	14.50
November 6, 1980	15.50
November 17, 1980	16.25
November 21, 1980	17.00
November 26, 1980	17.75
December 2, 1980	18.50
December 5, 1980	19.00
December 10, 1980	20.00
December 16, 1980	21.00
December 19, 1980	21.50 (U.S. Prime Rate record high) (BACK TO TOP | CURRENT PRIME RATE)
January 2, 1981	20.50
January 9, 1981	20.00
February 3, 1981	19.50
February 23, 1981	19.00
March 10, 1981	18.00
March 17, 1981	17.50
April 2, 1981	17.00
April 24, 1981	17.50
April 30, 1981	18.00
May 4, 1981	19.00
May 11, 1981	19.50
May 19, 1981	20.00
May 22, 1981	20.50
June 3, 1981	20.00
July 8, 1981	20.50
September 15, 1981	19.50
October 5, 1981	19.00
October 13, 1981	18.00
November 3, 1981	17.50
November 9, 1981	17.00
November 16, 1981	16.50
November 24, 1981	16.00
December 3, 1981	15.75
February 8, 1982	16.50
February 18, 1982	17.00
February 23, 1982	16.50
July 20, 1982	16.00
July 29, 1982	15.50
August 2, 1982	15.00
August 16, 1982	14.50
August 18, 1982	14.00
September 3, 1982	13.50
October 7, 1982	13.00
October 13, 1982	12.00
November 22, 1982	11.50
January 11, 1983	11.00
February 21, 1983	10.50
August 8, 1983	11.00
March 19, 1984	11.50
April 5, 1984	12.00
May 8, 1984	12.50
June 26, 1984	13.00
September 27, 1984	12.75
October 16, 1984	12.50
October 24, 1984	12.00
November 8, 1984	11.75
November 28, 1984	11.25
December 19, 1984	10.75
January 15, 1985	10.50
May 20, 1985	10.00
June 18, 1985	9.50
March 7, 1986	9.00
April 21, 1986	8.50
July 11, 1986	8.00
August 26, 1986	7.50
April 1, 1987	7.75
May 1, 1987	8.00
May 15, 1987	8.25
September 4, 1987	8.75
October 7, 1987	9.25
October 22, 1987	9.00
November 5, 1987	8.75
February 2, 1988	8.50
May 11, 1988	9.00
July 14, 1988	9.50
August 11, 1988	10.00
November 28, 1988	10.50
February 10, 1989	11.00
February 24, 1989	11.50
June 5, 1989	11.00
July 31, 1989	10.50
January 8, 1990	10.00
January 2, 1991	9.5
February 4, 1991	9.00
May 1, 1991	8.50
September 13, 1991	8
November 6, 1991	7.5
December 23, 1991	6.5
July 2, 1992	6.00
March 24, 1994	6.25
April 19, 1994	6.75
May 18, 1994	7.25
August 16, 1994	7.75
November 15, 1994	8.5
February 1, 1995	9.00
July 7, 1995	8.75
December 20, 1995	8.50
January 31, 1996	8.25
March 27, 1997	8.50
September 30, 1998	8.25
October 16, 1998	8.00
November 18, 1998	7.75
July 1, 1999	8.00
August 25, 1999	8.25
November 17, 1999	8.50
February 3, 2000	8.75
March 22, 2000	9.00
May 17, 2000	9.50
January 4, 2001	9.00
February 1, 2001	8.50
March 21, 2001	8.00
April 19, 2001	7.50
May 16, 2001	7.00
June 28, 2001	6.75
August 22, 2001	6.50
September 18, 2001	6.00
October 3, 2001	5.50
November 7, 2001	5.00
December 12, 2001	4.75
November 7, 2002	4.25
June 27, 2003	4.00
July 1, 2004	4.25
August 11, 2004	4.50
September 22, 2004	4.75
November 10, 2004	5.00
December 14, 2004	5.25
February 2, 2005	5.50
March 22, 2005	5.75
May 3, 2005	6.00
June 30, 2005	6.25
August 9, 2005	6.50
September 20, 2005	6.75
November 1, 2005	7.00
December 13, 2005	7.25
January 31, 2006	7.50
March 28, 2006	7.75
May 10, 2006	8.00
June 29, 2006	8.25
Date of Rate Change	Rate (%)
September 18, 2007	7.75
October 31, 2007	7.50
December 11, 2007	7.25
January 22, 2008	6.50
January 30, 2008	6.00
March 18, 2008	5.25
April 30, 2008	5.00
October 8, 2008	4.50
October 29, 2008	4.00
December 16, 2008	3.25 (The Current U.S. Prime Rate)
March 15, 2011: The Federal Open Market Committee (FOMC) has voted to keep the target range for the fed funds rate at 0% - 0.25%. Therefore, the U.S. Prime Rate remains at 3.25%. The next FOMC meeting and decision on short-term rates will be on April 27TH, 2011.

breadwgy

赞bigjoe！！很详细的知识贴
不过26万是高了点。如果按10%，头两年不还钱，毕业第一年开始还10年的话，总共还款大概是19.69万的样子。

我们来算一下，贷款后大概要还多少钱？
用贷款读书的同学大多了解贷款一般是US Prime Rate + margin
margin有的学校是3%，有的学校是4%，但这个数值是固定。
而Prime Rate是浮动的，也就是说，用现在的Prime rate计算出来的还款数额不代表真正要还的款项。
所以我们来做个计算，下面是最近几十年的U.S Prime Rate History。
可以看到，现在的Prime Rate是最近数十年来最低的，我们不能期待它永远这么低。
虽然我们不能预测未来，但是我们可以用过去10年的平均数据做个简单的猜测，假设未来10年的平均U.S. Prime Rate和过去10年一样。
如果我们贷款10万美元，并10年后还清。
经过简单计算，过去10年的平均U.S. Prime Rate是6.6%，Margin是3%-4%的话，则大约国际学生利率是10%
所以，需要还款的数量大约是 10万*1.1^10=26万美元。
*实际情况会比这个少一些，因为会不断的还款使得本金变少。
*本人不是金融背景，有错误的地方还请多指正。


http://www.wsjprimerate.us/wall_street_journal_prime_rate_history.htm#current

History of The U.S. (Fed) Prime Rate from 1947 to The Present - Click Here for The Current U.S. Prime Rate -
Date of Rate Change	Rate (%)
December 1, 1947	1.75
August 1, 1948	2
September 22, 1950	2.25
January 8, 1951	2.5
October 17, 1951	2.75
December 19, 1951	3
April 27, 1953	3.25
March 17, 1954	3
August 4, 1955	3.25
October 14, 1955	3.5
April 13, 1956	3.75
August 21, 1956	4
August 6, 1957	4.5
January 22, 1958	4
April 21, 1958	3.5
September 11, 1958	4
May 18, 1959	4.5
September 1, 1959	5
August 23, 1960	4.5
December 6, 1965	5
March 10, 1966	5.5
June 29, 1966	5.75
August 16, 1966	6
January 26, 1967	5.75
March 27, 1967	5.5
November 20, 1967	6
April 19, 1968	6.5
September 25, 1968	6.25
December 2, 1968	6.5
December 18, 1968	6.75
January 7, 1969	7
March 17, 1969	7.5
June 9, 1969	8.5
March 25, 1970	8
September 21, 1970	7.5
November 12, 1970	7.25
November 23, 1970	7
December 22, 1970	6.75
January 6, 1971	6.5
January 15, 1971	6.25
January 18, 1971	6
February 16, 1971	5.75
March 11, 1971	5.5
March 19, 1971	5.25
April 23, 1971	5.5
July 7, 1971	6
October 20, 1971	5.75
November 8, 1971	5.5
December 17, 1971	5.25
January 3, 1972	5
January 18, 1972	4.75
February 16, 1972	4.5
March 20, 1972	4.75
March 31, 1972	5
June 27, 1972	5.25
August 29, 1972	5.5
October 3, 1972	5.75
December 27, 1972	6
February 27, 1973	6.25
March 26, 1973	6.5
April 19, 1973	6.75
May 7, 1973	7
May 25, 1973	7.25
June 7, 1973	7.5
June 22, 1973	7.75
July 2, 1973	8
July 9, 1973	8.25
July 18, 1973	8.5
July 30, 1973	8.75
August 6, 1973	9
August 13, 1973	9.25
August 21, 1973	9.5
August 28, 1973	9.75
September 18, 1973	10
October 23, 1973	9.75
October 29, 1973	9.5
December 3, 1973	9.75
January 29, 1974	9.5
February 11, 1974	9.25
February 19, 1974	9
February 25, 1974	8.75
March 22, 1974	9
April 1, 1974	9.25
April 4, 1974	9.5
April 8, 1974	9.75
April 11, 1974	10
April 22, 1974	10.25
April 25, 1974	10.5
May 2, 1974	10.75
May 7, 1974	11
May 10, 1974	11.25
May 17, 1974	11.5
June 27, 1974	11.75
July 8, 1974	12
October 8, 1974	11.75
October 22, 1974	11.25
November 6, 1974	11
November 13, 1974	10.75
November 25, 1974	10.25
January 9, 1975	10.25
January 15, 1975	10.00
January 20, 1975	9.75
January 28, 1975	9.50
February 3, 1975	9.25
February 10, 1975	9.00
February 18, 1975	8.75
February 24, 1975	8.50
March 5, 1975	8.25
March 10, 1975	8.00
March 18, 1975	7.75
March 24, 1975	7.50
May 20, 1975	7.25
June 9, 1975	7.00
July 20, 1975	7.25
July 29, 1975	7.50
August 11, 1975	7.75
September 12, 1975	8.00
October 28, 1975	7.75
November 7, 1975	7.50
December 2, 1975	7.25
January 12, 1976	7.00
January 21, 1976	6.75
June 1, 1976	7.00
June 10, 1976	7.25
August 3, 1976	7.00
September 24, 1976	6.75
November 1, 1976	6.50
November 24, 1976	6.25
May 13, 1977	6.50
May 31, 1977	6.75
August 22, 1977	7.00
September 16, 1977	7.25
October 7, 1977	7.50
October 24, 1977	7.75
January 10, 1978	8.00
May 5, 1978	8.25
May 26, 1978	8.50
June 16, 1978	8.75
July 30, 1978	9.00
August 31, 1978	9.25
September 15, 1978	9.50
September 28, 1978	9.75
October 13, 1978	10.00
October 27, 1978	10.25
November 1, 1978	10.50
November 6, 1978	10.75
November 17, 1978	11.00
November 24, 1978	11.50
December 26, 1978	11.75
June 19, 1979	11.50
July 27, 1979	11.75
August 16, 1979	12.00
August 28, 1979	12.25
September 7, 1979	12.75
September 14, 1979	13.00
September 21, 1979	13.25
September 28, 1979	13.50
October 9, 1979	14.00
October 23, 1979	15.00
November 1, 1979	15.25
November 9, 1979	15.50
November 16, 1979	14.75
November 30, 1979	15.50
December 7, 1979	15.25
February 19, 1980	15.75
February 22, 1980	16.50
February 29, 1980	16.75
March 4, 1980	17.25
March 7, 1980	17.75
March 14, 1980	18.50
March 19, 1980	19.00
March 28, 1980	19.50
April 2, 1980	20.00
April 18, 1980	19.50
May 1, 1980	18.50
May 7, 1980	17.50
May 16, 1980	16.50
May 23, 1980	14.50
May 30, 1980	14.00
June 6, 1980	13.00
June 13, 1980	12.50
June 17, 1980	12.00
July 7, 1980	11.50
July 25, 1980	11.00
August 22, 1980	11.25
August 27, 1980	11.50
September 8, 1980	12.00
September 12, 1980	12.25
September 19, 1980	12.50
September 26, 1980	13.00
October 1, 1980	13.50
October 17, 1980	14.00
October 29, 1980	14.50
November 6, 1980	15.50
November 17, 1980	16.25
November 21, 1980	17.00
November 26, 1980	17.75
December 2, 1980	18.50
December 5, 1980	19.00
December 10, 1980	20.00
December 16, 1980	21.00
December 19, 1980	21.50 (U.S. Prime Rate record high) (BACK TO TOP | CURRENT PRIME RATE)
January 2, 1981	20.50
January 9, 1981	20.00
February 3, 1981	19.50
February 23, 1981	19.00
March 10, 1981	18.00
March 17, 1981	17.50
April 2, 1981	17.00
April 24, 1981	17.50
April 30, 1981	18.00
May 4, 1981	19.00
May 11, 1981	19.50
May 19, 1981	20.00
May 22, 1981	20.50
June 3, 1981	20.00
July 8, 1981	20.50
September 15, 1981	19.50
October 5, 1981	19.00
October 13, 1981	18.00
November 3, 1981	17.50
November 9, 1981	17.00
November 16, 1981	16.50
November 24, 1981	16.00
December 3, 1981	15.75
February 8, 1982	16.50
February 18, 1982	17.00
February 23, 1982	16.50
July 20, 1982	16.00
July 29, 1982	15.50
August 2, 1982	15.00
August 16, 1982	14.50
August 18, 1982	14.00
September 3, 1982	13.50
October 7, 1982	13.00
October 13, 1982	12.00
November 22, 1982	11.50
January 11, 1983	11.00
February 21, 1983	10.50
August 8, 1983	11.00
March 19, 1984	11.50
April 5, 1984	12.00
May 8, 1984	12.50
June 26, 1984	13.00
September 27, 1984	12.75
October 16, 1984	12.50
October 24, 1984	12.00
November 8, 1984	11.75
November 28, 1984	11.25
December 19, 1984	10.75
January 15, 1985	10.50
May 20, 1985	10.00
June 18, 1985	9.50
March 7, 1986	9.00
April 21, 1986	8.50
July 11, 1986	8.00
August 26, 1986	7.50
April 1, 1987	7.75
May 1, 1987	8.00
May 15, 1987	8.25
September 4, 1987	8.75
October 7, 1987	9.25
October 22, 1987	9.00
November 5, 1987	8.75
February 2, 1988	8.50
May 11, 1988	9.00
July 14, 1988	9.50
August 11, 1988	10.00
November 28, 1988	10.50
February 10, 1989	11.00
February 24, 1989	11.50
June 5, 1989	11.00
July 31, 1989	10.50
January 8, 1990	10.00
January 2, 1991	9.5
February 4, 1991	9.00
May 1, 1991	8.50
September 13, 1991	8
November 6, 1991	7.5
December 23, 1991	6.5
July 2, 1992	6.00
March 24, 1994	6.25
April 19, 1994	6.75
May 18, 1994	7.25
August 16, 1994	7.75
November 15, 1994	8.5
February 1, 1995	9.00
July 7, 1995	8.75
December 20, 1995	8.50
January 31, 1996	8.25
March 27, 1997	8.50
September 30, 1998	8.25
October 16, 1998	8.00
November 18, 1998	7.75
July 1, 1999	8.00
August 25, 1999	8.25
November 17, 1999	8.50
February 3, 2000	8.75
March 22, 2000	9.00
May 17, 2000	9.50
January 4, 2001	9.00
February 1, 2001	8.50
March 21, 2001	8.00
April 19, 2001	7.50
May 16, 2001	7.00
June 28, 2001	6.75
August 22, 2001	6.50
September 18, 2001	6.00
October 3, 2001	5.50
November 7, 2001	5.00
December 12, 2001	4.75
November 7, 2002	4.25
June 27, 2003	4.00
July 1, 2004	4.25
August 11, 2004	4.50
September 22, 2004	4.75
November 10, 2004	5.00
December 14, 2004	5.25
February 2, 2005	5.50
March 22, 2005	5.75
May 3, 2005	6.00
June 30, 2005	6.25
August 9, 2005	6.50
September 20, 2005	6.75
November 1, 2005	7.00
December 13, 2005	7.25
January 31, 2006	7.50
March 28, 2006	7.75
May 10, 2006	8.00
June 29, 2006	8.25
Date of Rate Change	Rate (%)
September 18, 2007	7.75
October 31, 2007	7.50
December 11, 2007	7.25
January 22, 2008	6.50
January 30, 2008	6.00
March 18, 2008	5.25
April 30, 2008	5.00
October 8, 2008	4.50
October 29, 2008	4.00
December 16, 2008	3.25 (The Current U.S. Prime Rate)
March 15, 2011: The Federal Open Market Committee (FOMC) has voted to keep the target range for the fed funds rate at 0% - 0.25%. Therefore, the U.S. Prime Rate remains at 3.25%. The next FOMC meeting and decision on short-term rates will be on April 27TH, 2011.

-- by 会员 bigjoe (2011/4/2 12:06:43)

b1y9r

大joe，怎么发这个帖子了， 不准备去给钱的学校了吗？

bigjoe

赞bigjoe！！很详细的知识贴
不过26万是高了点。如果按10%，头两年不还钱，毕业第一年开始还10年的话，总共还款大概是19.69万的样子。

-- by 会员 breadwgy (2011/4/2 13:07:45)

弱问，这个19.69万是怎么算出来的@_@

windmaple

你还的时候不是一次还清，要用discount cash flow吧

breadwgy

excel拉出来的。。。

赞bigjoe！！很详细的知识贴
不过26万是高了点。如果按10%，头两年不还钱，毕业第一年开始还10年的话，总共还款大概是19.69万的样子。

-- by 会员 breadwgy (2011/4/2 13:07:45)

弱问，这个19.69万是怎么算出来的@_@

-- by 会员 bigjoe (2011/4/2 13:41:01)

Vandy

我用金融计算器算了一下。
算这10W是分两年贷的，第一年贷5W，第二年贷5W，利息算10%，毕业的时候的本利加是11万5500。
还10年， 于是 ： N=10, I/Y=10, PV=115500, CPT->MT=-18,797.09 这个数是每年需要还的，总的就是×10=18W多
如果按月还：N=10*12, I/Y=10/12, CPT->MT= -1,526.34 每月还这个金额，总还款金额是×10×12= 183,160.92 如果上学的时候不算利息的话少点。

dell2nd

我用金融计算器算了一下。
算这10W是分两年贷的，第一年贷5W，第二年贷5W，利息算10%，毕业的时候的本利加是11万5500。
还10年， 于是 ： N=10, I/Y=10, PV=115500, CPT->MT=-18,797.09 这个数是每年需要还的，总的就是×10=18W多
如果按月还：N=10*12, I/Y=10/12, CPT->MT= -1,526.34 每月还这个金额，总还款金额是×10×12= 183,160.92 如果上学的时候不算利息的话少点。

-- by 会员 Vandy (2011/4/3 11:21:23)

每月还款1500美元，而且还是税后，等于税前收入1万多RMB.......建议各位同学还是量力而为吧，这东西等于多背一套房贷在身上。

MBA是一种职业教育，算的就是投资回报率。这个学历基本只在毕业后5年内比较有用，往后就慢慢淡化要靠个人真正本事了，至于network什么的都是虚的，不是M7的人一样认识超多M7同学，关系还特好。

如果5年内不能回本，那就别去了，或者选择奖学金高一些的学校去。

equn

19.69万 基本正好是全美一栋single-family house的中位数价格。

mopton

Margin rate might not be as high as 3%, but it works as a conservative estimator in your loan repayment calculation.