Question

Человек взял кредит в банке 9000 грн. на 2 года под 16% годовых. Сколько будет составлять его платёж в месяц (при условии, что погашать тело кредита и % он будет равными частями)? Покажите порядок расчета.

Answer 1

562 грн 9000:16 правильный отв

Answer 2

Calculating Monthly Payment for a Loan

To calculate the monthly payment for a loan, we can use the formula for an amortizing loan, which is:

Monthly Payment = P * r * (1 + r)^n / ((1 + r)^n - 1)

Where: - P = principal amount (loan amount) - r = monthly interest rate - n = number of payments (loan term in months)

Let's calculate the monthly payment step by step.

1. Calculate Monthly Interest Rate (r) - The annual interest rate is 16%. - Monthly interest rate = Annual interest rate / 12 - Monthly interest rate = 16% / 12 - Monthly interest rate = 0.16 / 12 - Monthly interest rate = 0.0133 or 1.33%

2. Calculate Number of Payments (n) - The loan term is 2 years, so the number of payments is 2 * 12 = 24.

3. Calculate Monthly Payment - Using the formula: Monthly Payment = 9000 * 0.0133 * (1 + 0.0133)^24 / ((1 + 0.0133)^24 - 1)

Let's calculate the monthly payment using the provided values.

Calculation

Monthly Payment = 9000 * 0.0133 * (1 + 0.0133)^24 / ((1 + 0.0133)^24 - 1)

Monthly Payment = 9000 * 0.0133 * (1.0133)^24 / ((1.0133)^24 - 1)

Monthly Payment = 9000 * 0.0133 * 1.4028 / (1.4028 - 1)

Monthly Payment = 168.3 * 1.4028 / 0.4028

Monthly Payment = 236.04 / 0.4028

Monthly Payment ≈ 586.39 грн

So, the monthly payment for the loan, assuming equal principal and interest payments, would be approximately 586.39 грн.