Question

Клиент взял в банке кредит 90000 рублей на год. Погашая кредит,он вносит в банк ежемесячно 8850 рублей, с тем, чтобы через год выплатить всю сумму, взятую в кредит, вместе с процентами. Сколько процентов платит клиент банку за пользование этим кредитом?

Answer 1

За год он заплатит 8850*12=106200 рублей

Переплата 106200-90000=16200 рублей

16200/90000=0,18

Ответ: 18 процентов

Answer 2

Calculation of Interest Paid by the Client

To calculate the amount of interest paid by the client to the bank for using this loan, we need to determine the total amount repaid by the client over the course of one year.

The client borrowed 90,000 rubles and makes monthly payments of 8,850 rubles. Since the loan term is one year, the client will make 12 monthly payments.

To find the total amount repaid, we multiply the monthly payment by the number of months:

Total amount repaid = Monthly payment * Number of months

Total amount repaid = 8,850 rubles * 12 months

Total amount repaid = 106,200 rubles

Therefore, the client will repay a total of 106,200 rubles over the course of one year.

To calculate the amount of interest paid, we subtract the original loan amount from the total amount repaid:

Interest paid = Total amount repaid - Loan amount

Interest paid = 106,200 rubles - 90,000 rubles

Interest paid = 16,200 rubles

Therefore, the client will pay 16,200 rubles in interest to the bank for using this loan.

Calculation of Interest Rate

To calculate the interest rate paid by the client, we need to divide the amount of interest paid by the loan amount and then multiply by 100 to express it as a percentage.

Interest rate = (Interest paid / Loan amount) * 100

Interest rate = (16,200 rubles / 90,000 rubles) * 100

Interest rate ≈ 18%

Therefore, the client is paying an approximate interest rate of 18% for using this loan.

Please note that the above calculations are based on the information provided and assume that the monthly payments are made consistently and on time throughout the year.