问题1.计算金额和复利
(i)10,800卢比,有效期3年,收费12 每年%复利。
(ii)18,000卢比/ 2 年,每年以10%的比例递增。
(iii)62,500卢比换1 每年8%,每半年复利一次。
(iv)一年为8,000卢比,每年9%,每半年复利一次。
(v)一年为10,000卢比,每年8%,每半年复利一次。
解决方案:
(i) Given values are,
P = Rs 10,800
R = 12 % per annum = %
T = 3 Years
As it is compounded annually then, n = 3 times.
We have,
A = P (1 + )n
A = 10,800 (1+ )3
A = 10,800 (1+ )3
A = 10,800 ()3
A = Rs 15,377.34
CI = A – P
CI = 15,377.34 – 10,800
CI = Rs 4,577.34
Hence, the amount = Rs 15,377.34 and
Compound interest = Rs 4,577.34
(ii) Given values are,
P = Rs 18,000
R = 10 % per annum
T = 2 Years
As it is compounded annually then, n = 2 times.
We have,
A = P (1 + )n
A = 18,000 (1+ )2½
What we will do here is Firstly we know 2 Years is 2 years and 6 months which can be calculated by first calculating the amount to 2 years using CI formula and then calculating the simple interest by using SI formula.
The amount for 2 years has to be calculated :
A = 18,000 (1+ )2
A = 18,000 ()2
A = Rs 21,780
CI = A – P
CI = 21,780 – 18,000
CI = Rs 3,780
Now, The amount for year has to be calculated:
New P is equal to the amount after 2 Years. Hence,
P = Rs 21,780
R = 10 % per annum
T = year
SI =
SI =
SI =
SI = Rs 1,089
Hence, the Total amount = A + SI
= 21,780 + 1,809
= Rs 22,869
Total compound interest = CI + SI
= 3,780 + 1,809
= Rs 4,869
(iii) Given values are,
P = Rs 62,500
R = 8 % per annum hence 4% Half Yearly
T = 1 Years
As it is compounded Half yearly then, n = 3 times. (1 Years contains 3 half years)
We have,
A = P (1 + )n
A = 62,500 (1+ )3
A = 62,500 (1+ )3
A = 62,500 ()3
A = Rs 70,304
CI = A – P
CI = 70,304 – 62,500
CI = Rs 7,804
Hence, the amount = Rs 70,304 and
Compound interest = Rs 7,804
(iv) Given values are,
P = Rs 8,000
R = 9 % per annum hence, % Half Yearly
T = 1 Year
As it is compounded Half yearly then, n = 2 times. (1 Year contains 2 half years)
We have,
A = P (1 + )n
A = 8,000 (1+ )2
A = 8,000 (1+ )2
A = 8,000 ()2
A = Rs 8,736.20
CI = A – P
CI = 8,736.20 – 8,000
CI = Rs 736.20
Hence, the amount = Rs 8,736.20 and
Compound interest = Rs 736.20
(v) Given values are,
P = Rs 10,000
R = 8 % per annum hence, 4% Half Yearly
T = 1 Year
As it is compounded Half yearly then, n = 2 times. (1 Year contains 2 half years)
We have,
A = P (1+ )n
A = 10,000 (1+ ())2
A =10,000 (1+ ())2
A = 10,000 ()2
A = Rs 10,816
CI = A – P
CI = 10,816- 10,000
CI = Rs 816
Hence, the amount = Rs 10,816 and
Compound interest = Rs 816
问题2. Kamala向银行借了26,400卢比,以每年15%的复合年利率购买踏板车。她将在2年零4个月末偿还多少贷款清算贷款?
解决方案:
Here, Given values are,
P = Rs 26,400
R = 15 % per annum
T = 2 Years and 4 months, which is 2 years
As it is compounded annually then, n = 2 times
We have,
A = P (1 + )n
A = 26,400 (1 + ()2(1/3)
What we will do here is Firstly 2 years and 4 months which can be calculated by first calculating the amount to 2 years using CI formula and then calculating the simple interest by using SI formula.
The amount for 2 years has to be calculated:
A = 26,400 (1+ ()2
A = 26,400 (1+ ()2
A = 26,400 ()2
A = Rs 34,914
Now, The amount for (1/3) year (4 months) has to be calculated :
New P is equal to the amount after 2 Years. Hence,
P = Rs 34,914
R = 15 % per annum
T = year
SI =
SI =
SI =
SI = 1,745.70
Hence, the Total amount = A + SI
= 34,914 + 1,745.70
= Rs 36,659.70
Hence, the amount to be paid by Kamla = ₹ 36,659.70
问题3. Fabina以单利的利率借入12,500卢比,年利率为12年,为期3年,Radha在同一时期以每年10%的利率借入相同金额,每年复利。谁支付的利息更高,利息多少?
解决方案:
Let’s see each case
Fabina Case: at simple interest
P = 12,500
R = 12% per annum
T = 3 Years
SI =
SI =
SI = Rs 4,500
Radha Case: at compound interest
P = 12,500
R = 10% per annum
T = 3 Years
As it is compounded annually then, n = 3 times
We have,
A = P (1 + )n
A = 12,500 (1 + ())3
A =12,500 (1 + )3
A = 12,500 ()3
A = Rs 16,637.5
CI = A – P
CI = 16,637.5 – 12,500
CI = 4,137.5
Clearly we can see that Fabina paid more interest, and she paid
4,500 – 4,137.5 = Rs 362.5 more than Radha
问题4:我以每年6%的单利从Jamshed借了12,000卢比,为期2年。如果我以每年6%的复利利率借入这笔款项,我还需要支付额外的金额吗?
解决方案:
Lets see each case First
At simple interest
P = 12,000
R = 6% per annum
T = 2 Years
SI =
SI =
SI = Rs 1,440
At compound interest
P = 12,000
R = 6% per annum
T = 2 Years
As it is compounded annually then, n = 2 times
We have,
A = P (1 + )n
A = 12,000 (1+ ())2
A =12,000 (1+ ())2
A = 12,000 ()2
A = Rs 13,483.2
CI = A – P
CI = 13,483.2 – 12,000
CI = 1,483.2
Clearly we can see that,
1,483.2 – 1,440 = Rs 43.2
Hence, the extra amount to be paid = ₹ 43.20
问题5. Vasudevan投资了60,000卢比,年利率为12%,每半年复利一次。他会得到多少
(a)6个月后?
(b)一年后?
解决方案:
Let’s see each case
(a)
P = 60,000
R = 12% per annum (6% Half yearly)
T = 6 Months
As it is compounded Half Yearly then, n = 1 times (as 6 months is 1 half year)
We have,
A = P (1 + )n
A =60,000 (1+ ())1
A =60,000 (1+ ())1
A = 60,000 ()1
A = Rs 63,600
He would get Rs 63,600 after 6 Months.
(b)
P = 60,000
R = 12% per annum (6% Half yearly)
T = 1 Year
As it is compounded Half Yearly then, n = 2 times (as 1 Year is 2 half year)
We have,
A = P (1 + )n
A = 60,000 (1+ ())2
A = 60,000 (1+ ())2
A = 60000 ()2
A = Rs 67,416
He would get Rs 67,416 after 1 Year.
问题6.阿里夫(Arif)从银行借了80,000卢比。如果利率为每年10%,请找出他在1后将要支付的金额之差年,如果利息是
(a)每年复利。
(b)每半年复利一次。
解决方案:
Let’s see each case
(a) Compounded Annually
P = 80,000
R = 10% per annum
T = 1 Year
As it is compounded annually then, n = 1 times
We have,
A = P (1 + )n
A = 80,000 (1 + ()1½
What we will do here is Firstly we know 1 Years is 1 year and 6 months which can be calculated by first calculating the amount to 1 year using CI formula and then calculating the simple interest by using SI formula.
The amount for 1 years has to be calculated :
A = 80,000 (1+ ())1
A = 80,000 (1+ ()1
A = 80,000 ()1
A = Rs 88,000
Now, The amount for Year (6 months) has to be calculated :
New P is equal to the amount after 1 Year. Hence,
P = Rs 88,000
R = 10 % per annum
T = Year
SI =
SI =
SI =
SI = 4,400
Hence, the Total amount = A + SI
= 88,000 + 4,400
= Rs 92,400
(b) Compounded Half-yearly
P = 80,000
R = 10% per annum (5 % Half Yearly)
T = 1 Year
As it is compounded annually then, n = 3 times (as 1 Year is 3 half year)
We have,
A = P (1 + )n
A = 80,000 (1+ ()3
A = 80,000 (1+ ()3
A = 80,000 ()3
A = Rs 92,610
Hence, the Total amount = Rs 92,610
问题7.玛丽亚(Maria)在一家公司投资了8,000卢比。她将按每年5%的复合年利率支付利息。找
(a)第二年末根据她的名字贷记的数额。
(b)第三年的利息。
解决方案:
Let’s see each case
Here,
P = 8,000
R = 5% Per annum
(a) The amount credited against Maria’s name at the end of the second year.
T = 2 Year
As it is compounded annually then, n = 2 times
We have,
A = P (1 + )n
A = 8,000 (1+ ())2
A = 8,000 (1+ ())2
A = 8,000 ()2
A = Rs 8,820
Hence, the amount credited against Maria’s name at the end of the second year = Rs 8,820
(b) The interest for the 3rd year.
T = 3 Year
As it is compounded annually then, n = 3 times
We have,
A = P (1+ )n
A = 8,000 (1+ ())3
A = 8,000 (1+ ())3
A = 8,000 ()3
A = Rs 9,261
The interest for the 3rd year = Amount after 3 years – Amount after 2 Years
= 9,261 – 8,820
= Rs 441
Another Solution for (b)
As we can calculate interest of 3rd year by having 2nd Year Amount as P.
P = 8,820
R = 5% per annum
T = 1 Year (2nd to 3rd year)
SI =
SI =
SI = Rs 441
The interest for the 3rd year = Rs 441
问题8.找出1的金额和10,000卢比的复利年,每年10%,每半年复利一次。这种利息是否会超过他每年增加的利息呢?
解决方案:
Let’s see each cases
Compounded Annually
P = 10,000
R = 10% per annum
T = 1 Year
As it is compounded annually then, n = 1 times
We have,
A = P (1 + )n
A = 10,000 (1 + ()1½
What we will do here is Firstly we know 1½ Years is 1 year and 6 months which can be calculated by first calculating the amount to 1 year using CI formula and then calculating the simple interest by using SI formula.
The amount for 1 year has to be calculated:
A = 10,000 (1 + )1
A = 10,000 (1+ )1
A = 10,000 ()1
A = Rs 11,000
CI = A – P
CI = 11,000-10,000
CI = 1,000
Now, The amount for Year (6 months) has to be calculated :
New P is equal to the amount after 1 Year. Hence,
P = Rs 11,000
R = 10 % per annum
T = Year
SI =
SI =
SI =
SI = 550
Hence, the Total Interest (compounded annually)= CI + SI
= 1,000 + 550
= Rs 1,550
Compounded Half-yearly
P = 10,000
R = 10% per annum (5 % Half Yearly)
T = 1 Year
As it is compounded annually then, n = 3 times (as 1 Year is 3 half year)
We have,
A = P (1 + )n
A = 10,000 (1 + ()3
A = 10,000 (1+ )3
A = 10,000 ()3
A = Rs 11,576.25
CI = A – P
CI = 11,576.25 – 10,000
CI = 1,576.25
Hence, the Total Interest (compounded Half Yearly) = Rs 11576.25
Difference between the two interests = 1,576.25 – 1,550 = Rs 26.25
Hence, the interest will be Rs 26.25 more when compounded half-yearly than the interest when compounded annually.
问题9.如果Ram在12个月内给了18个月,请找出Ram可获得的Rs 4096金额每年%,每半年复利一次。
解决方案:
Let’s see this case
P = Rs 4,096
R = 12 % per annum ( % Half yearly)
T = 18 Months = 1 Year
As it is compounded Half yearly then, n = 3 Times
We have,
A = P (1 + )n
A = 4,096 (1+ ()3
A = 4,096 (1+ )3
A = 4,096 (1+ ()3
A = 4,096 ()3
A = Rs 4,913
Ram will get the amount = Rs 4,913
问题10:一个地方的人口在2003年以每年5%的速度增加到54,000
(a)找到2001年的人口。
(b)2005年的人口是多少?
解决方案:
Here,
P = 54,000 (in 2003)
R = 5% per annum
(a) Population in 2001
T = 2 Years (back)
n = 2
Population in 2003 = Population in 2001 (1 + )n
54,000 = P1 (1+())2
54,000 = P1 ()2
54,000 = P1 ()
P1 = 54,000 ()
P1 = 48,979.59
P1 = 48,980 (approx.).
Population in 2001 was 48,980 (approx.).
(b) Population in 2005
T = 2 Years
n = 2
We have,
A = P (1 + )n
A = 54,000 (1+ )2
A = 54,000 (1+ ()2
A = 54,000 ()2
A = 59,535
Population in 2005 will be 59,535
问题11:在实验室中,某个实验中的细菌数量以每小时2.5%的速度增加。如果最初计数为5,06,000,则在2小时结束时找到细菌。
解决方案:
Here,
P = 5,06,000
R = 2.5% per hour
T = 2 hours
We have,
A = P (1 + )n
A = 5,06,000 (1+ )2
A = 5,06,000 (1+ )2
A = 5,06,000 (1+ )2
A = 5,06,000 ()2
A = 5,31,616.25
A = 5,31,616 (approx.)
Bacteria at the end of 2 hours = 5,31,616 (approx.)
问题12.一辆踏板车的价格为42,000卢比。它的价值每年贬值8%。一年后找到它的价值。
解决方案:
Here,
P = 42,000
R = 8% per annum (depreciated)
T = 1 Year
We have,
A = P (1 + )n
A = 42,000 (1- )1 (negative sign because the price is reduced)
A = 42,000 (1- ()1
A = 42,000 ()1
A = Rs 38,640
The value of scooter after one year will be = Rs 38,640