Question

Ставка процентов банка по вкладам до востребования, составляющая в начале года 8% годовых, через полгода была уменьшена до 7,5% годовых, а еще через 3 месяца – до 6% годовых. Определите сумму начисленных процентов за год на вклад 60 000 рублей.

Answer 1

За первые 6 месяцев начислено 4% - это 60000*0,04=2400.
Итого стало: 62400.
7,5/12*3 = 1,875% - за 3 месяца по ставке 7,5 % годовых.
Итого имеем: 62400*0,01875 = 1170 - рублей начислено.
В сумме мы имеем: 62400+1170 = 635706/12*3=1,5 % - ставка за 3 месяца под 6%
годовых
63570*0,015 = 953,55 начислено.
Итого, получается: 2400+1170+953,55 = 4523,55 % за год.
Рада была помочь. Надеюсь, что мой ответ был Вам полезен. Удачи!

Answer 2

Calculation of Interest on the Deposit

To calculate the interest on the deposit, we need to consider the different interest rates applied throughout the year. The bank initially offered an interest rate of 8% per annum at the beginning of the year. After six months, the interest rate was reduced to 7.5% per annum, and then, after three more months, it was further reduced to 6% per annum.

To determine the total interest earned on a deposit of 60,000 rubles over the course of the year, we can break down the calculation into three periods:

1. First six months: The deposit earns interest at a rate of 8% per annum. 2. Next three months: The deposit earns interest at a rate of 7.5% per annum. 3. Final three months: The deposit earns interest at a rate of 6% per annum.

To calculate the interest for each period, we can use the simple interest formula:

Interest = Principal × Rate × Time

Let's calculate the interest for each period and then sum them up to find the total interest earned.

1. First six months: - Principal: 60,000 rubles - Rate: 8% per annum - Time: 6 months (0.5 years)

Interest = 60,000 × 0.08 × 0.5 = 2,400 rubles

2. Next three months: - Principal: 60,000 rubles - Rate: 7.5% per annum - Time: 3 months (0.25 years)

Interest = 60,000 × 0.075 × 0.25 = 1,125 rubles

3. Final three months: - Principal: 60,000 rubles - Rate: 6% per annum - Time: 3 months (0.25 years)

Interest = 60,000 × 0.06 × 0.25 = 900 rubles

Now, let's sum up the interest earned in each period:

Total Interest = 2,400 + 1,125 + 900 = 4,425 rubles

Therefore, the total amount of interest earned on the deposit of 60,000 rubles for one year, considering the changing interest rates, is 4,425 rubles.

Please note that the above calculation assumes that the interest is compounded annually. If the interest is compounded more frequently (e.g., quarterly or monthly), the total interest earned may be slightly different.