Question

Помните, пжл Ивану Кузьмичу начисляется заработная плата 20000 рублей в месяц. Из этой суммы вычитается налог на доходы физических лиц в размере 13%. Иван Кузьмич хочет сделать ремонт у себя в дома, для чего планирует взять кредит на 1 год в размере 90000 под 16% годовых.Требуется рассчитать: а) сумму, получаемую Иваном Кузьмичом после выплат налога; б) ежемесячную сумму выплат по кредиту; в) сделать вывод, сможет ли Иван Кузьмич сделать ремонт на данных условиях, если его ежемесячные расходы (включающие коммунальные и бытовые расходы) составляют 12000?​

Answer 1

Ответ:

а) 17400 рублей. б)2600 рублей. в) да, иван кузьмич может сделать ремонт.

Пошаговое объяснение:

20000 = 100%

20000 : 100 = 200 (1%)

200*13=2600 (налог)

20000 - 2600 = 17400 (рублей)

Answer 2

Calculation of Ivan Kuzmich's Net Salary

To calculate Ivan Kuzmich's net salary after deducting the income tax, we need to subtract the tax amount from his gross salary. Ivan Kuzmich's gross salary is 20,000 rubles per month, and the income tax rate is 13%.

To find the tax amount, we can use the formula: Tax amount = Gross salary * (Tax rate / 100)

Substituting the values, we get: Tax amount = 20,000 * (13 / 100) = 2,600 rubles

Therefore, Ivan Kuzmich's net salary after deducting the income tax is: Net salary = Gross salary - Tax amount = 20,000 - 2,600 = 17,400 rubles. [[1]]

Calculation of Monthly Loan Payments

To calculate the monthly loan payments for Ivan Kuzmich's credit, we need to consider the loan amount, the interest rate, and the loan term. Ivan Kuzmich plans to take a loan of 90,000 rubles for 1 year at an interest rate of 16% per annum.

To find the monthly loan payments, we can use the formula for calculating the monthly payment on a fixed-rate loan: Monthly payment = (Loan amount * Monthly interest rate) / (1 - (1 + Monthly interest rate)^(-Loan term in months))

First, let's calculate the monthly interest rate: Monthly interest rate = Annual interest rate / 12 Substituting the values, we get: Monthly interest rate = 16 / 12 = 1.33%

Now, let's calculate the monthly loan payments: Monthly payment = (90,000 * 1.33%) / (1 - (1 + 1.33%)^(-12))

Using a calculator, we find that the monthly loan payment is approximately 8,227 rubles. [[2]]

Feasibility of Home Renovation

To determine if Ivan Kuzmich can afford the home renovation under the given conditions, we need to consider his monthly expenses, including utility bills and other household expenses. It is mentioned that his monthly expenses amount to 12,000 rubles.

To assess the feasibility, we need to compare Ivan Kuzmich's net salary after tax deductions with his monthly expenses and the monthly loan payment.

- Ivan Kuzmich's net salary after tax deductions: 17,400 rubles - Monthly loan payment: 8,227 rubles - Monthly expenses: 12,000 rubles

To calculate the available amount for the home renovation, we subtract the monthly loan payment and expenses from the net salary: Available amount = Net salary - Monthly loan payment - Monthly expenses Available amount = 17,400 - 8,227 - 12,000 = -2,827 rubles

Based on the calculation, it appears that Ivan Kuzmich does not have enough funds to cover both the loan payment and his monthly expenses, let alone the home renovation. He would have a deficit of 2,827 rubles.

Therefore, it is not feasible for Ivan Kuzmich to proceed with the home renovation under the given conditions. He may need to consider alternative options or adjust his budget accordingly.