Question

Клиент взял в банке кредит 150 000 руб. на 2 года. Он должен погашать кредит,внося в банк ежемесячно одинаковую сумму, чтобы через год выплаитить всю сумму,взятую в кредит ,вместе с процентами, которые составили 12%от размера кредита.Сколько клиент вносить в банк ежемесячно

Answer 1

1)150 000+12%=168 000 с процентами
2)168000:24=7 000 в месчц

Answer 2

Calculation of Monthly Payments

To calculate the monthly payments for a loan, we can use the formula for the future value of an annuity. The formula is as follows:

Monthly Payment = Loan Amount / Present Value Factor

The present value factor can be calculated using the formula:

Present Value Factor = (1 - (1 + Interest Rate)^(-Number of Payments)) / Interest Rate

In this case, the loan amount is 150,000 rubles and the interest rate is 12% per year. The loan term is 2 years, which means there will be 24 monthly payments.

Let's calculate the monthly payment using the formulas mentioned above:

Loan Amount: 150,000 rubles Interest Rate: 12% per year Loan Term: 2 years (24 months)

Step 1: Calculate the present value factor: ``` Present Value Factor = (1 - (1 + 0.12)^(-24)) / 0.12 ``` Using a financial calculator or spreadsheet software, we can calculate the present value factor to be approximately 20.9434.

Step 2: Calculate the monthly payment: ``` Monthly Payment = Loan Amount / Present Value Factor ``` Substituting the values, we get: ``` Monthly Payment = 150,000 / 20.9434 ``` Calculating this, we find that the monthly payment is approximately 7,162.12 rubles.

Therefore, the client needs to make a monthly payment of approximately 7,162.12 rubles to repay the loan of 150,000 rubles over a period of 2 years, including the 12% interest rate.