Question

Вы берёте в банке 100 тыс. руб. под 80% годовых на два года, с начислением % (ежеквартальным). Сколько должны через два года?

Answer 1

Решение:
Р=100 тыс. руб.
T=2 года
M=3 мес.
J=0,8
Множитель наращения:
К = (1+0,8/3)3*2 = 4,13    
Погашаемая сумма:
S = P*K = 100*4,13 = 413 тыс. руб.

Answer 2

Calculation of Interest on a Bank Loan

To calculate the amount you would owe after two years on a bank loan of 100,000 rubles with an annual interest rate of 80% and quarterly compounding, we can use the formula for compound interest:

A = P(1 + r/n)^(nt)

Where: - A is the final amount - P is the principal amount (initial loan amount) - r is the annual interest rate (expressed as a decimal) - n is the number of times interest is compounded per year - t is the number of years

In this case, the principal amount (P) is 100,000 rubles, the annual interest rate (r) is 80% (or 0.8 as a decimal), the compounding period (n) is quarterly (4 times per year), and the time period (t) is 2 years.

Plugging in these values into the formula, we get:

A = 100,000(1 + 0.8/4)^(4*2)

Simplifying the equation:

A = 100,000(1 + 0.2)^8

Calculating the values inside the parentheses:

A = 100,000(1.2)^8

Using a calculator or spreadsheet, we can calculate the final amount:

A ≈ 429,496.73 rubles

Therefore, after two years, you would owe approximately 429,496.73 rubles on the bank loan of 100,000 rubles with an annual interest rate of 80% and quarterly compounding.

Please note that this calculation assumes no additional payments or changes to the loan during the two-year period.