Question

Кредит в размере 20 тыс. руб. выдан на 2,5 года. Ставка простых процентов за первый год 50% годовых, а в каждом последующем полугодии увеличивается на 10%. Определить наращенную сумму долга на конец срока креди

Answer 1

Я понимаю так.
20 тыс дали на 2,5 года, по 20/2,5=8 тыс в год или 4 тыс за полгода.
За 1 год 50%, то есть 4 тыс.
Осталось 1,5 г = 3*0,5 г.
За 1 полугодие 60% = 4*0,6=2,4 тыс.
За 2 полугодие 70% = 4*0,7=2,8 тыс.
За 3 полугодие 80% = 4*0,8=3,2 тыс.
Всего за 2,5 года выплат 4+2,4+2,8+3,2=12,4 тыс.

Answer 2

Calculation of the Accrued Debt on the End of the Loan Term

To calculate the accrued debt on the end of the loan term, we need to determine the interest for each period and add it to the principal amount.

Given: - Principal amount: 20,000 rubles - Loan term: 2.5 years - Interest rate for the first year: 50% per annum - Interest rate for each subsequent half-year: increases by 10%

To calculate the accrued debt, we will break down the loan term into half-year periods and calculate the interest for each period.

Calculation Steps:

1. Calculate the interest for the first year: - Principal amount: 20,000 rubles - Interest rate: 50% per annum - Interest for the first year: 20,000 * (50/100) = 10,000 rubles.

2. Calculate the interest for each subsequent half-year period: - Principal amount: 20,000 rubles - Interest rate for the second half-year: 50% + 10% = 60% per annum - Interest for the second half-year: 20,000 * (60/100) = 12,000 rubles. - Principal amount for the third half-year: 20,000 + 12,000 = 32,000 rubles - Interest rate for the third half-year: 60% + 10% = 70% per annum - Interest for the third half-year: 32,000 * (70/100) = 22,400 rubles. - Principal amount for the fourth half-year: 32,000 + 22,400 = 54,400 rubles - Interest rate for the fourth half-year: 70% + 10% = 80% per annum - Interest for the fourth half-year: 54,400 * (80/100) = 43,520 rubles.

3. Calculate the total accrued debt on the end of the loan term: - Total accrued debt: Principal amount + Interest for the first year + Interest for the second half-year + Interest for the third half-year + Interest for the fourth half-year - Total accrued debt: 20,000 + 10,000 + 12,000 + 22,400 + 43,520 = 108,920 rubles.

Therefore, the accrued debt on the end of the loan term is 108,920 rubles.

Please note that the calculations provided are based on the information given and may not take into account other factors such as compounding interest or additional fees. It is always recommended to consult with a financial professional for accurate and personalized advice.

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