Question

Вы положили в банк 400 тыс. руб. сроком на 1 год под 30% годовых. Инфляция составляет 2% в месяц. Определите величину реального дохода по вкладу

Answer 1

Решение:

400*0.30 = 120 (номинальный доход)

400*0,02 = 8   (инфляция)

120 – 8 = 112 (реальный доход) 

Answer 2

Calculating Real Interest Rate on Deposit

To calculate the real interest rate on the deposit, we need to consider the nominal interest rate, which is 30% per annum, and the inflation rate, which is 2% per month.

First, let's convert the annual nominal interest rate to a monthly nominal interest rate: - Monthly Nominal Interest Rate: - 30% per annum = 30 / 12 = 2.5% per month.

Next, we calculate the real interest rate using the formula: - Real Interest Rate Formula: - Real Interest Rate = Nominal Interest Rate - Inflation Rate.

Now, let's calculate the real interest rate on the deposit.

Calculation

- Nominal Interest Rate: 30% per annum = 2.5% per month. - Inflation Rate: 2% per month. - Real Interest Rate: - Real Interest Rate = 2.5% - 2% = 0.5% per month.

Therefore, the real interest rate on the deposit is 0.5% per month.