Question

Студентка Матильда, будучи очень занятой девушкой, 1 марта 2016 г. взяла в микрофинансовой организации «Безвозмездно Деньги» заем в сумме 30000 рублей на срок 30 дней под ставку 1,5% в день (с простыми процентами). За просрочку платежа пеня установлена 1% в день, она начисляется на сумму задолженности по состоянию на первый день просрочки, включая неуплаченные проценты. При этом проценты на первоначальную сумму займа в период просрочки также продолжают начисляться. В силу своей занятости студентка забыла заплатать в срок и полностью расплатилась на 40-ой день. Ответьте, какую сумму Матильда заплатила микрофинансовой организации с учетом процентов и пени?

Answer 1

За 30 дней проценты = 13 500р + 10 дней просрочки 4 500 
итого процентов 18 000
10 дней просрочки пеня за 10 дней = 3 000р
итого заплатила 30000+18000+3000 = 51 000р

Answer 2

Calculation of the Total Amount Paid by Matilda

To calculate the total amount paid by Matilda to the microfinance organization "Bezvozmezno Den'gi," we need to consider the loan amount, the interest rate, and the penalty for late payment.

1. Loan Amount: Matilda borrowed 30,000 rubles. 2. Loan Term: The loan term was 30 days. 3. Interest Rate: The interest rate was 1.5% per day, calculated with simple interest. 4. Penalty for Late Payment: The penalty for late payment was 1% per day, calculated on the outstanding amount from the first day of the delay, including unpaid interest.

Now, let's calculate the total amount paid by Matilda.

Calculation Steps:

1. Calculate the interest for the loan period: - The interest for each day is calculated as 1.5% of the loan amount. - Multiply the daily interest rate by the number of days in the loan term: 1.5% * 30,000 rubles * 30 days = 13,500 rubles.

2. Calculate the penalty for late payment: - The penalty is 1% of the outstanding amount from the first day of the delay, including unpaid interest. - The outstanding amount on the first day of the delay is the loan amount plus the interest accrued until that day. - Calculate the interest accrued until the 30th day: 1.5% * 30,000 rubles * 30 days = 13,500 rubles. - The outstanding amount on the 30th day is 30,000 rubles + 13,500 rubles = 43,500 rubles. - Calculate the penalty for 10 days of delay: 1% * 43,500 rubles * 10 days = 4,350 rubles.

3. Calculate the total amount paid: - The total amount paid is the loan amount plus the interest for the loan period plus the penalty for late payment. - Total amount paid = 30,000 rubles + 13,500 rubles + 4,350 rubles = 47,850 rubles.

Therefore, Matilda paid a total of 47,850 rubles to the microfinance organization "Bezvozmezno Den'gi" with interest and penalties taken into account.

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