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 мес начислили 4% это 60000*0,04=2400

итого стало 62400. 7,5/12*3=1,875% процент за 3 мес по ставке 7,5 % годовых

итого имеем 62400*0,01875=1170 руб начислили

в сумме имеем 62400+1170=63570

6/12*3=1,5 % ставка за 3 мес под 6% годовых

63570*0,015=953,55 начислили

итого 2400+1170+953,55=4523,55 % за год

 

Answer 2

Calculation of Interest on the Deposit

To calculate the interest on the deposit, we need to consider the changes in the interest rate over the course of the year. The interest rate at the beginning of the year was 8% per annum, after six months it was reduced to 7.5% per annum, and after three more months, it was further reduced to 6% per annum.

Let's break down the calculation step by step:

1. Calculate the interest for the first six months at an interest rate of 8% per annum. - The interest for the first six months can be calculated using the formula: Interest = Principal * Rate * Time. - In this case, the principal (P) is 60,000 rubles, the rate (R) is 8% per annum, and the time (T) is 6 months. - Converting the time to years, we have T = 6/12 = 0.5 years. - Plugging in the values, we get: Interest = 60,000 * 0.08 * 0.5.

2. Calculate the interest for the next three months at an interest rate of 7.5% per annum. - The interest for the next three months can be calculated using the same formula: Interest = Principal * Rate * Time. - In this case, the principal (P) is still 60,000 rubles, the rate (R) is 7.5% per annum, and the time (T) is 3 months. - Converting the time to years, we have T = 3/12 = 0.25 years. - Plugging in the values, we get: Interest = 60,000 * 0.075 * 0.25.

3. Calculate the interest for the final three months at an interest rate of 6% per annum. - Again, we use the same formula: Interest = Principal * Rate * Time. - The principal (P) remains 60,000 rubles, the rate (R) is now 6% per annum, and the time (T) is 3 months. - Converting the time to years, we have T = 3/12 = 0.25 years. - Plugging in the values, we get: Interest = 60,000 * 0.06 * 0.25.

4. Add up the interest from all three periods to get the total interest for the year.

Let's calculate the values:

1. Interest for the first six months: - Interest = 60,000 * 0.08 * 0.5 = 2,400 rubles.

2. Interest for the next three months: - Interest = 60,000 * 0.075 * 0.25 = 1,125 rubles.

3. Interest for the final three months: - Interest = 60,000 * 0.06 * 0.25 = 900 rubles.

4. Total interest for the year: - Total Interest = 2,400 + 1,125 + 900 = 4,425 rubles.

Therefore, the total amount of interest accrued on the deposit of 60,000 rubles for the year is 4,425 rubles.

Please note that the interest rates and calculations provided are based on the information given in the question.