Calculating the installment of bank loans or credit is included in the chapter of social arithmetic. This chapter is disliked by students because the form of the question is a story question. The difficulty of understanding the story questions is often in the natural by students. Problems are answered, social arithmetic that has a wide range include selling price, purchase price, profit, loss, percentage of profit or loss, bank interest, bank interest percentage, initial savings, final savings, long saving, installment and so on Because of its scope we discussed it one by one way of settlement. We will then work by compiling the solution of social arithmetic questions in accordance with the mindset of the students. We start how counting installments or installments.
For more details let us refer to his example.
examples of national exam questions 1
Bhima bought a bicycle worth Rp24.000.000,00 which has matured Rp15.000.000,00 and the rest will be paid in installments for 20 months. If the interest rate is charged 10% per year, then the monthly Bhima mortgage is ...
A. Rp600.500,00 C. Rp535.000,00
B. Rp575.000,00 D. Rp525.000,00
Settlement
The loan size is = 24,000,000 - 15,000,000 = 9,000,000
Loans will be paid in installments of 20 months, the principal installment = 9,000,000 / 20 = 450,000
1 year loan interest = 10% => 10/100 x 9,000,000 = 900,000 means
1 month loan interest = 900,000 / 12 = 75,000
so big installment = principal + 1 month loan interest = 450.000 + 75.000 = 525.000
sample questions about big installments
Motorcycle Loans
Budi bought a motorcycle worth Rp 18.000.000,00 with a credit system if the percentage of bank interest 10% per year. If Budi pay an advance of Rp 6.000.000,00 and the shortage will be paid in installments for 4 years. then the monthly installment amount is ....
a. Rp 530.000,00 c. Rp 430.000,00
b. Rp 450.000,00 d. Rp 350.000,00
Settlement
The loan amount is = 18,000,000 - 6,000,000 = 12,000,000
will be paid in 4 years means 4 x 12 months = 48 months
installment principal = 12,000,000 / 48 = 250,000
1 year interest = 10% => 10/100 x 12,000,000 = 1,200,000 means
flowers 1 month = 1200.000 / 12 = 100,000
so big installment = principal + interest 1 month = 250.000 +100.000 = 350.000
Not easy, in the next article, we will discuss how to determine the length of saving and the percentage of bank interest rates. Understanding this chapter will have many benefits for you. One time if you are dealing with credit services then you can already calculate yourself how many installments so it is not easy to be fooled by low-interest inducements.
So hopefully useful!
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