[{"data":1,"prerenderedAt":46},["ShallowReactive",2],{"q-fin_plan_prac-48-017":3},{"exam":4,"examName":5,"chapterSlug":6,"question":7,"related":21},"fin_plan_prac","理財規劃人員專業能力測驗——理財規劃實務","c8",{"id":8,"exam":4,"session":9,"qno":10,"question":11,"options":12,"answer":17,"chapter":18,"freq":17,"explanation":19,"difficulty":20},"fin_plan_prac-48-017","48",17,"在下列攤還方式下，何者可採年金方式計算？",[13,14,15,16],"本金平均攤還房貸","本利平均攤還房貸","彈性還款總額房貸","一次清償還款房貸",1,"購屋規劃","年金是指各期金額固定的一連串現金流。房貸攤還方式中，本利平均攤還法每期償還的本息合計金額固定不變，正符合年金的定額給付特性，因此可直接以年金公式計算每期還款額，故答案為(B)。(A)本金平均攤還法每期償還本金固定但利息隨本金遞減、每期總還款額逐期下降，非定額；(C)彈性還款總額房貸每期金額不固定；(D)一次清償還款屬到期一次還本付息，並非分期定額給付，皆不符年金定義，故三者皆非。","medium",[22,26,30,34,38,42],{"id":23,"question":24,"qno":25},"fin_plan_prac-46-025","下列何者非為房貸轉貸之費用？",25,{"id":27,"question":28,"qno":29},"fin_plan_prac-46-026","有關房貸轉貸考量之因素，下列敘述何者正確？ A.利率差距 B.鑑價、代償及代書等轉貸費用 C.轉貸額度",26,{"id":31,"question":32,"qno":33},"fin_plan_prac-46-027","有關購屋或租屋之決策，下列哪些為使用淨現值法時需考慮之變數？a.折現率 b.未來各期淨現金流量 c.年限",27,{"id":35,"question":36,"qno":37},"fin_plan_prac-46-028","張先生申請房屋貸款 500 萬元，年利率 3%，貸款期間 20 年，約定採本利平均攤還法按年清償；其於償還第 7期本利和後，因急需資金旋即於原案項下增貸 50 萬元並將貸款期間由原先 20 年延為 25 年，其他條件不變。則至此之後，張先生每期所須償還之本利和為多少？（取最接近值）",28,{"id":39,"question":40,"qno":41},"fin_plan_prac-46-029","阿義目前有 100 萬元現金及每年投資 80 萬元，預計 3 年後要購屋，房貸利率 5%，借期 20 年，投資報酬率 6%，自備款三成，則 3 年後阿義至多有能力買若干金額之房子？（取最接近值）",29,{"id":43,"question":44,"qno":45},"fin_plan_prac-46-030","店面與辦公大樓估價時通常採收益還原法，設若台北市某辦公大樓樓層面積 100 坪，每月淨租金收入為 18 萬元，未來市場投資年收益率 6%，請問其合理總價為何？",30,1787293952680]