標題:
Credit card min pay (GP)
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I have a credit card with a bank on which I owe $1000. Each month, the bank charges me 2% interest on the balance owing, and requires me to repay at least 5% of the balance owing. Now suppose I make no more purchase with the card and pay only the minimum amount I am required to pay each month. How much do I owe the... 顯示更多 I have a credit card with a bank on which I owe $1000. Each month, the bank charges me 2% interest on the balance owing, and requires me to repay at least 5% of the balance owing. Now suppose I make no more purchase with the card and pay only the minimum amount I am required to pay each month. How much do I owe the bank after n months? After how many months is my debt reduced to less than $100? How much have I paid the bank in total over this period?
最佳解答:
No. of month Bal. owed Interest Amount paid 1 950 19 969 2 902.5 18.05 920.55 3 857.375 17.1475 874.5225 4 814.5063 16.29013 830.7964 5 773.7809 15.47562 789.2566 6 735.0919 14.70184 749.7937 7 698.3373 13.96675 712.304 8 663.4204 13.26841 676.6888 9 630.2494 12.60499 642.8544 10 598.7369 11.97474 610.7117 11 568.8001 11.376 580.1761 12 540.3601 10.8072 551.1673 13 513.3421 10.26684 523.6089 14 487.675 9.7535 497.4285 15 463.2912 9.265825 472.5571 16 440.1267 8.802533 448.9292 17 418.1203 8.362407 426.4827 18 397.2143 7.944286 405.1586 19 377.3536 7.547072 384.9007 20 358.4859 7.169718 365.6556 21 340.5616 6.811233 347.3729 22 323.5335 6.470671 330.0042 23 307.3569 6.147137 313.504 24 291.989 5.83978 297.8288 25 277.3896 5.547791 282.9374 26 263.5201 5.270402 268.7905 27 250.3441 5.006882 255.351 28 237.8269 4.756538 242.5834 29 225.9355 4.518711 230.4543 30 214.6388 4.292775 218.9315 31 203.9068 4.078137 207.985 32 193.7115 3.87423 197.5857 33 184.0259 3.680518 187.7064 34 174.8246 3.496492 178.3211 35 166.0834 3.321668 169.4051 36 157.7792 3.155584 160.9348 37 149.8903 2.997805 152.8881 38 142.3957 2.847915 145.2437 39 135.276 2.705519 137.9815 40 128.5122 2.570243 131.0824 41 122.0865 2.441731 124.5283 42 115.9822 2.319644 118.3019 43 110.1831 2.203662 112.3868 44 104.674 2.093479 106.7674 45 99.44026 1.988805 101.4291 46 94.46824 1.889365 96.35761 Total amount paid 17549.21 2013-11-20 00:54:23 補充： After 45 months, the balance is reduced to less than $100 The amount you have paid over this period is: 17549.21 - 96.35761 = $17452.85
其他解答:
Thank you Masterijk!|||||七瀨一都 的做法，在finance上叫 amortization。 對於特殊的repayment pattern，這方法最清楚。 但對於有pattern的 loan repayment scheme，同學可以考慮用 geometric sequence的方法去做。 一般學生都需要懂得計算annuity的present value和future value。 2013-11-21 17:08:26 補充： You are so welcome~ (????)0D7DAC4E6DF60DFA
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