Question

Заемщик получил кредит на сумму 20000 рублей под 32% годовых. Через 240 дней кредит был полностью погашен. Рассчитайте, какую сумму заемщик отдал банку ? Насколько отличается эта сумма от одолженной ? Решение и ответ.

Answer 1

1)20 000/12=1666,67 Ежемесячный платеж
2)((20 000*32)/100)/12=533,33-проценты
3)1666,67+533,33=2200 -итоговый ежемесячный платеж
4)2200*12=26400 итоговая выплата
5)26400/8 =3300-столько заемщик выплачивал в месяц чтобы погасить кредит за 240 дней

Сумма выплаты отличается от первоначального займа на  6400

Answer 2

Calculation of the Amount Repaid by the Borrower

To calculate the amount repaid by the borrower, we need to consider the principal amount borrowed, the interest rate, and the time period.

Given: - Principal amount borrowed: 20,000 rubles - Annual interest rate: 32% - Time period: 240 days

To calculate the amount repaid, we need to determine the interest accrued over the 240-day period and add it to the principal amount.

First, let's calculate the interest accrued: - The annual interest rate is 32%, which means the daily interest rate is 32% divided by 365 (assuming a non-leap year). - The interest accrued over 240 days can be calculated by multiplying the daily interest rate by the principal amount and the number of days.

Let's perform the calculations:

Daily interest rate = 32% / 365 = 0.0877%

Interest accrued = (Principal amount) * (Daily interest rate) * (Number of days) = 20,000 * 0.000877 * 240 = 4,209.60 rubles

Now, let's calculate the total amount repaid by adding the principal amount and the interest accrued:

Total amount repaid = Principal amount + Interest accrued = 20,000 + 4,209.60 = 24,209.60 rubles

Difference between the Amount Repaid and the Amount Borrowed

To calculate the difference between the amount repaid and the amount borrowed, we subtract the principal amount from the total amount repaid:

Difference = Total amount repaid - Principal amount = 24,209.60 - 20,000 = 4,209.60 rubles

Therefore, the borrower repaid a total of 24,209.60 rubles to the bank, which is 4,209.60 rubles more than the amount borrowed.

Please note that the calculations provided are based on the information given and may not take into account any additional fees or charges that may be applicable in real-world scenarios.