Interest rate 4 6 per annum. Calculation of ordinary percent. Simple percentages are calculated so

At the meeting of the Committee, the Chamber of Entrepreneurs Yuko spoke about further measures to create regional clusters in the food and light industry in the framework of the "GPFIR for 2015-2019". Entrepreneurs of the region, noting the relevance of the issue, expressed their willingness to take an active part in developing the concept of creating regional clusters in South Kazakhstan.

A very convenient and effective and effective programs for obtaining preferential loans on the projects of the economy processing sector projects are working in the country today, employees of the regional branch of the FRP Damu JSC told. At the meeting of the Committee of the Food, Easy and Machining Industry of the Regional Council of PP, Yuko, the program "Damu өndіріs ІІ" was presented. It provides loans to 1.85 billion tenge for a period of up to 10 years, under 6% per annum with the provision of deferment on repayment of the principal debt.

Credit rate for credit - 6 percent per annum

To get a job or on how to make questions regarding this operation, click on the button Order work And fill in all fields of the form. A big request, carefully fill and specify all of this (university, country, email and telephone), your wishes and requirements for work. When writing this work (the credit rate for a loan is 6 percent of the annual. The average term of turnover of funds in the calculations) only fresh literature is used. The scientific approach and the professionalism of employees of our company make it possible to conduct a qualitative performance of the work rate for credit - 6 percent per annum. The average means of turning funds in the calculations, as a result of which the work received is protected by "excellent".
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Control - Credit rate for credit - 6 percent per annum. The average term of turnover of funds in the calculations Decorated according to GOST and ready for printing and delivery to the department.

Fast operation plan:
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Kraschenbank - a loan under 6 percent of the annual turned out to be real

Hello, I want to write about the best bank -Crasenbank! I issued a loan application and I approved a $ 20 million credit line at six percent per annum. I first did not believe it, and now I was convinced that the rate of 6% is absolutely real and I am very glad that I found such a wonderful German bank and there are no more conditions anywhere! I hurry to tell everyone about the best German Internet bank and I advise him.

Kraschenbank is the best lending that I could only know! In Krasurentbank, I only made a credit line with a limit of 20 million rubles for ten years at six percent per year. There are no such conditions anywhere except Krasntenbank. I personally drawn up on their website www.krasrentbank.su and by the way they respond in Russian and quite promptly decide on the loan. That's what the German bank means, and not all this is the Ural Fuffer Sberbank and VTB!

Bet of commander

On the forum, Vladimir Putin, who participated in the discussion on the prospects of the economy, unexpectedly began to learn bankers to their craft. The prime minister, in particular, warned Herman Gref, the head of the largest state bank of Russia, and other bankers, that customers can go to Western banks for lower rates.

Indeed, the prime minister said, not thinking. If it were about it, for example, not about the closest perspective, but about quite distant, then for the sake of God than 6 percent is not a bet. But it is in the near future that the rate of 6 percent of annual looks like a fantastic fantastic for Russia. However, who knows that Putin means the words "next few years."

Calculation of annual interest

According to the same scheme, the third month is calculated. As you can see, every month the contribution brings more profits than in the previous month. This process is the capitalization of interest.
From the above calculations it can be seen that with the same bets and the magnitude of deposits in the short term, the contribution with the capitalization turned out to be more profitable, in comparison with the usual deposit. It is worth considering when choosing a deposit option.

1. Plain. Interest is not counted to the total amount of the contribution, and are transferred to a separate account. Remuneration can be accrued monthly, once a quarter or six months, as well as 1 time per year or only at the time of the end of the contribution. The calculation of annual interest in this case is very simple and can be made independently by the formula: S \u003d (P x i x T / 365) / 100%. In this formula: R - the amount of the deposit in monetary units, for example in rubles, I. - the annual interest rate on the deposit, t. - the deadline for which the contribution was made 365 - The number of days a year.

Credit under 6 percent per annum will be able to get entrepreneurs in the field of manufacturing industry

The National Manager Holding "Baiterek" and its subsidiary of the Damu Foundation signed credit agreements with second-level banks on placing 50 billion tenge to finance small and medium-sized businesses in the manufacturing industry.
Taking into account the fact that from the National Fund of the Republic of Kazakhstan, the Baiterek holding was allocated additional 100 billion tenge to finance entrepreneurship, this amount was distributed between the two subsidiaries of the Holding - the Damu Foundation and the Bank of Development of Kazakhstan. As for the Bank of Development of Kazakhstan, then its part of the funds is also 50 billion tenge - it will be placed in banks to finance the subjects of major entrepreneurship, since it is a large business that is its target group.
- Damu Foundation in the holding "Baiterek" traditionally responsible for the development of small and medium-sized businesses. Therefore, 50 billion tenge in the form of a loan at a rate of remuneration 0.15 percent per annum for up to 20 years we received on the development of SMEs in the manufacturing industry - She told at the ceremony in honor of the signing of credit agreements with banks Chairman of the Damu Foundation, Lyazzat Ibragimov.

- We, in turn, these funds by placing 2 percent per annum in banks that will finance entrepreneurs working in the manufacturing industry and in the field of services related to the manufacturing industry.
The Chairman of the Board also noted that all banks that participate in the implementation of this program were selected in accordance with several requirements. First, it is the size of the loan portfolio in the total volume of bank assets. Secondly, banks were chosen, which have a widely developed regional network that work with small and medium-sized businesses throughout the country, since regional coverage for this program is given very important.
It is worth noting that part of the funds entered the special officer of banks on the day of the signing of the agreement, and according to its conditions within six months, banks should send these funds to lending to small and medium-sized businesses.
Meanwhile, there are a number of conditions that mandatory observance of which will allow entrepreneurs to access these funds.
All resources should be aimed at financing new projects. Thus, the Foundation complies with the possibility of refinancing old loans with the help of allocated funds. The list of financing industries additionally includes sectors of the service sectors that relate to the maintenance of the manufacturing industry. This should be positively influenced both on the manufacturing industry and the cost of final products. In addition, entrepreneurs are given the opportunity to send this money to replenish working capital. In the Damu Foundation, it is also confident that it is also a very effective and necessary measure, since many subjects of SMEs treated to allow financing at the expense of this money not only investment loans, but also working capital. Again, funding in the food industry is called as a priority. That is, up to 25 percent of the allocated funds will go to finance the working capital of our domestic foodstuffs. This is done to saturate the domestic market with the products of domestic producers and additional support for the food industry.
These funds will be allocated to borrowers under 6 percent per annum lending for up to 10 years. And if you consider the fact that the banks themselves receive these funds for a period of 20 years, then, taking into account the turnover of capital on the forecast for all this period, the Damu Foundation expects to finance small and medium-sized projects in the amount of 176.8 billion tenge. And the predicted number of enterprises for 20 years should be more than 800.
Thus, the Baiterek Holding and its subsidiaries - the Damam Business Development Development Fund and the Kazakhstan Development Bank - began to develop 100 billion tenge directed from the National Fund as part of the National National Plan for the Epistle of the President of the Nұrly Zhol - the Path to the Future, " Announced by the President of the Republic of Kazakhstan Nursultan Nazarbayev. According to a preliminary assessment, financing from the National Fund of the Republic of Kazakhstan will allow you to support about 320 projects in the near future, with the creation of about 5 thousand new jobs and revenues to the budget in the form of taxes in the amount of 28 billion tenge.

Credit 6 percent per annum

Perhaps in "Eastern" there are not the smallest rates, but here the maximum chances of approving the application even in borrowers with a bad credit history. In this bank, you can take a credit loan, without an income certificate and any additional documents. Applications are accepted online, and are considered within 5-10 minutes.

Take a loan under 15% per annum and below can be in Sberbank, Renaissance, East, SovkomBank, Post Bank, OTP Bank and Ubrir. Almost every of them considers applications without providing help from work. Get money under a relatively low 16% is quite real in Alpha Bank or VTB 24.

How to refinance a mortgage under 6 percent per annum

Refinancing a mortgage under 6 percent today, all Russians who satisfy the prerequisites of the law, regardless of what bank they completed money. However, in the procedure itself there are several important nuances. We must not forget that legislation makes requirements not only to borrowers, but also to housing itself.

Another important point. When refinancing, the mortgage already paid part is not taken into account. That is, the difference between the preferential and established interest rate does not return the state. It only pays it 3 or 5 years after the design of all necessary documents.

Family mortgage: 6 percent per annum, tricks of banks and credit "slavery" as a gift

In total, the Federal Treasury intends to spend 600 billion rubles in 47 banks in 47 banks of Russia, follows from the February order of the Ministry of Finance Anton Siluanov from the Indian Championship of Russia. Part of these funds will receive the largest federal banks and the Mortgage Lending Agency (AHML). Sberbank, VTB and Absolut Bank, the state compensates 171 billion, 106 billion and 46 billion rubles, respectively. At the disposal of AHML will receive the greatest compensation of 320 billion rubles. The remaining funds are distributed over regional financial institutions.

"For 3 million rubles in Kazan, one can take one-room" improved "or two-room" Leningradka "in the middle area. On the primary market for this money you can buy a full-fledged two-room apartment with an area of \u200b\u200b60-70 meters with a period of delivery in a year or two. Well, in the suburbs you can allow both "treshka," - He concluded the head of the RT realtor guild.

Credit under 4 percent per annum

According to statistics, there are a number of cases when borrowers managed to issue bank loans with an effective interest rate from 4 percent per annum. Consequently, a loan is under 4 percent per annum - not at all fiction. The main thing is to approach competently to the issues of reducing the effective interest rate.

1. SME Bank offers special loan programs to representatives of small and medium-sized businesses to modernize or develop production. Requirements for borrowers in this case are standard. True, a long time for consideration of the application can leave quite a long time.
2. You can get a target loan with support from the state or a large company. Such credit products for individuals can include mortgage lending programs with state support for military personnel. To obtain such a loan, a contract service is needed for at least three years.
3. Another type of lending to support is an autocredit for special programs from a particular manufacturer of vehicles. In this case, you can arrange a car loan under 4-6 percent per annum. However, here can be their pitfalls. The effective rate for such a loan may be higher at the expense of mandatory insurance - CASCO or OSAGO. In addition, it is important to take into account a number of commissions that the Bank may charge on such a loan.

The system of banks in the modern world is a mandatory element of the economy of any country, while providing significant influence on other spheres of society. Credit organizations provide the population numerous services that are aimed at ensuring the optimal vital activity of each individual.

Loans and deposits enjoy the greatest demand. They are regulated by both the Bank's policies and legislative acts of the country. Terms of granting depend on many reasons, affecting the demand of each user.

Therefore, sooner or later, the Bank's client becomes an interesting calculation of annual interest on his contribution or loan. The definition of "percent" depends on the type of contract with the organization, but the essence is one - on the size of the rate depends on the financial well-being of the user with the services of the bank. For this reason, many concerns the question "How to calculate the annual percentage?".

Annual percentage of deposits: calculation

First of all, it is worth paying attention to the following partitions by the Bank of Functions - deposits. The organization accepts on behalf of a certain amount of funds for the prescribed period or without without it. At the same time, the Civil Code establishes that when requested by the Client's return, the organization is obliged to pay an amount with interest.

This condition encourages people to open deposits. Interest on the contribution is a monetary remuneration that pays a credit organization for the right to temporarily use the customer's funds.

The magnitude, conditions and requirements for this process are reflected in the terms of the contract. It is clear that the depositor will choose the institution in which the interest rate on the deposit will be higher. But the bank should not stay in the minus.

I. Plain. When using this method, interest is not counted to the deposit amount, but are transferred to the client's account in accordance with the Treaty. At the same time, the remuneration may be accrued every month, the quarter, once every six months, per year or only when the deposit period is completed.

The calculation is quite simple and can be made independently. To do this, use the following formula:

S \u003d (p x i x t / k) / 100%.

Indicators have such a decoding:

• R - the value of the deposit in monetary units;
• I.
• t. - deposit period;
• K. - The number of whole days per year.

Example: The client concluded a contract for the opening of the contribution of 300 thousand rubles for a period of 12 months with an annual rate of 10%. At the end of the deposit, it will receive: 30 000 rubles \u003d (300 000 x 10 x 365/365) / 100%

II. Complex or deposit with capitalization. Remuneration is accrued immediately to the attached amount once a month or quarter. This contributes to an increase in the body of the deposit and, as a result, percentage of it. Thus, the amount of subsequent profits increases and takes quite tangible values.

This method has its own calculation formula, which has the form:

S \u003d (P x i x j / k) / 100.

Wherein:

• R - initial and subsequent deposit amounts;
• I. - interest rate per year on the deposit;
• j. - capitalization period;
• K. - The number of whole days per year.

Example: The client concluded an agreement in the amount of 300 thousand rubles for a period of 3 months with an annual rate of 10%.

Income for the first month will be equal: 2465 rubles \u003d (300,000 x 10 x 30/365) / 100.

In the same way and the third month: 2506 rubles \u003d (304951 x 10 x 30/365) / 100.

It can be noted that with each month the yield becomes more. Such a pattern is explained by the capitalization of interest.

It turns out that in identical interest rates, the same deposit value and the period of action will bring more profit with capitalization than with simple percentages. Similar to consider when choosing the most efficient option.

Annual credit percentage: calculation

Having understood with deposits, it is worth considering another segment of banking services - lending. This is the main function of such financial institutions. The demand for this kind product largely depends on the annual interest rate. The amount of funds depends on it, which the Client pays at the established moment of the Organization for the right to use borrowed money.

Before answering the question "How to calculate percentages per annum", you need to familiarize yourself with the basic concepts and nuances of lending to financial organizations:

1. Before you take a loan, It is necessary to carefully analyze its current and future financial condition.Since the average rate in the banks of the country is at the level of 14%. The overpayment can form quite large amounts, as a result of which the situation may occur in the impossibility of debt repayment, which ultimately can lead to numerous losses.

1. The credit card entered the country's home resource is quite quickly and easily, as it is very convenient and beneficial to use. Its feature is as follows: interest will not be accrued if the amount spent time to pay off at the prescribed period.
2. Rates may differ in their condition. Three types are distinguished:

• permanent - T.akaya magnitude remains unchanged for the entire period of repayment of the loan;
• floating - Z.avisitis from a variety of factors, so it may change at least every day;
• multi-level - the main criterion that determines the amount of the bet is the amount of debt.

So, having familiarized yourself with the main nuances of the interest rate in lending, you can go directly to its calculation.

Initially, it is worth dealing with annual interest on the credit card. For a complete understanding of the proceedings, consideration will occur in accordance with the example. So, to do this operation, you need to follow the steps:

1. Check the balance at the moment, as well as the amount of debt. Balance is 3 thousand rubles.
2. Establish the cost of all components of the loan. To do this, contact the latest discharge from the bank: 30 rubles.
3. Divide the established amount per debt size: 30/3000 \u003d 0, 01.
4. The resulting number must be multiplied by 100. It will be a percentage rate that regulates payments per month: 0, 01 x 100 \u003d 1%.
5. To calculate the interest rate for a year, it is necessary to multiply by 12: 1% x 12 \u003d 12%

The calculation of interest on the credit card passes quite simply and does not require special programs and consultants.

But everything is different with the mortgage:

1. Mortgage loans on the calculation structure are quite complex, as they include many variables, so it will not be possible to satisfy the knowledge of the loan alone and the interest rate for a year.
2. Moreover, each bank can use different methods of calculation other than other organizations. Therefore, almost on each website of the financial institution, there is a specialized calculator that allows calculations in accordance with the extended conditions of the organization. This feature helps to analyze a wide range of banks and choose the optimal lending option.

1. It is worth paying special attention to implicit payments that float when calculating the mortgage interest rate. The lender can hide some of the details of the contract and shy away from their disclosure. In this case, it is extremely recommended to conclude any agreements with similar banks. In order not to get into the unpleasant situation, you need to possess all data on the loan that are available to the borrower.

Annual interest rate and its calculation depends on many factors: starting from the Bank's policy and ending with the state of the economy in the country. It is worth understanding that not only financial indicators is affected by its size, but also the relationship between states. In particular, if it concerns contributions and loans that were concluded in the currency.

With such parameters, no one can assume an absolutely correct outcome in the effectiveness of one of the options. Such processes will always be accompanied by risk. But to reduce it, it is necessary to analyze banks' proposals, to study their reputation, conditions and requirements.

22.06.2017 0

Today, banks offer many services to the population, the most demanded of which are lending and deposits. The policy on loans and deposits is largely monitored by the Central Bank of the Russian Federation, as well as legislative acts of Russia. However, behind the banks left the right to provide loans and posting deposits under certain conditions, if this does not contradict the legislation.
According to statistics, the client of a bank is every 10th Russian. That is why the question of how the calculation of annual interest on the loan or bank deposit is being calculated. In most cases, a percentage understand the size of the rate. The total amount of loan overpayment depends on the rate of the rate, as well as the size of the monthly payment.

Annual percentage of deposits: calculation by the formula

First of all, consider bank deposits. Conditions are prescribed in the contract at the time of opening a deposit account. The amount paid interest is accrued. This is a cash reward that the bank pays to the depositor for the use of its money.

The Civil Code of the Russian Federation provides for the possibility of citizens to take the contribution at any time together with accrued interest.

All nuances, conditions and requirements for deposit are reflected in the contract between the bank and the depositor. The calculation of annual interest is carried out in two ways:

Annual percentage of the loan: calculation by the formula

Today, the demand for loans is huge, but the popularity of one or another credit product depends on the annual interest rate. In turn, the amount of monthly payment depends on the interest rate.

Considering the issue of accrual of interest on the loan, it is necessary to familiarize themselves with the basic definitions and features of lending in Russian banking institutions.

Annual interest rate is the money amount that the borrower undertakes to pay at the end of the year. However, the calculation of interest is usually produced for a month or day, if it comes to short-term loans.

No matter what an attractive loan interest rate did not look, it is worth understanding that loans are never issued free of charge. It does not matter what type of loan is taken: mortgage, consumer or auto-credit, anyway, the amount will be paid more than they took. To calculate the amount of monthly payments, it is necessary to divide the annual bet on 12. In some cases, the lender establishes a daily interest rate.

Example: a loan is taken under 20% per annum. How many percent of the body of the loan is required to pay daily? We consider: 20% : 365 = 0,054% .

Before signing a loan agreement, it is recommended to carefully analyze its financial position, as well as make a forecast for the future. Today, the average rate in Russian banks is approximately 14%, so overpayment on the loan and monthly payments can be quite large. If the borrower is unable to pay off debt, it will lead to imposition of penalties, trial and loss of property.

It is also worth knowing that interest rates can be different in their state.:

• constant - The rate does not change and establishes for the entire period of repayment of the loan;
• floating Depends on many parameters, for example, from the exchange rate, inflation, refinancing rates, etc.;
• multi-level - The main criterion of the bet is the amount of the remaining debt.

After reading the basic concepts, you can move to the calculation of the interest rate on the loan. For this you need:

1. Find out the balance at the time of the calculations and the amount of debt. For example, balance is equal to 3000 rubles.
2. To find out the cost of all elements of the loan, taking an extract on a loan account: 30 rubles.
   Taking advantage of the formula, divide 30 to 3000, it turns out 0.01.
3. The resulting value is multiplied by 100. As a result, a rate regulating monthly payments is obtained: 0.01 x 100 \u003d 1%.

To calculate the annual bet you need 1% to multiply by 12 months: 1 x 12 \u003d 12% annual.

Mortgage loans are calculated much more complicated, because include many variables. For the correct calculation, the loan amounts and interest rates will not be enough. It is better to use a calculator that will help calculate an approximate rate and the size of monthly mortgage payments.

Calculation of annual interest on the loan. Online calculator (balance per month and overpayment)

For a detailed determination of annual interest on the loan, the distribution of the balance of the loan body by months and years, as well as displaying information in the form of a graph or table, you can use the online calculator calculator on

Banker is a merchant. He buys money percentage of deposit at low price and sells them percentage of credit at higher. The difference obtained is its income.

Wishing to take loose more than those who want to put money under the percentage. Therefore, commercial banks can get a loan from TSB RFCentral Bank of the country. For September 2016 under "Key Rate"
(She is "refinancing rate")11% per annum . It is logical to assume that it is not very profitable to commercial banks contributiondeposits With the interest rate above this value. Exception can only make VIP clients - owners of factories, newspapers, steamboats.

For the rest of the high percentage of the contribution may be a marketing course, since it will be offset by various commissions.

How to calculate the amount that the depositor will receive if interest is attached at the end of the deposit period

Annual contributions

The person has discovered a contribution to 5,000 rubles at 9% per annum for 2 years:

per year: 5000 rubles is 100% x rubles is 9% x \u003d 5000 * 9/100 \u003d 450 rubles for two years: 450 rubles for 1 year x rubles for 2 years x \u003d 450 * 2/1 \u003d 900 rubles 5900 rubles the depositor will receive at the end of the term * What is 100? - "The percentage is a hundredth share of the number." Cm. .

Monthly contributions

The person has opened a contribution to 5000 rubles at 9% per annum for 3 months:

per year: 5000 * 9/100 \u003d 450 rubles for 90 days: 450 rubles for 365 days x rubles in 90 days x \u003d 450 * 90/365 \u003d 110 rubles 96 kopecks 5110 rubles 96 kopecks depositor will receive at the end of the term * 365 is. There will be 366 in the leap year.

Calculator calculating interest by deposit

date	coming	amount on the score
	5000	5000

* Interest is beginning to be accrued from the day following the day of receipt of money in the bank, that is, with (Article 839 of the Civil Code of the Russian Federation).

How to calculate the profitability of the replenished contribution with interest paid at the end of the term

Percentage of replenished deposits below. This is explained by the fact that during the action of the contract on the contribution may decrease the refinancing rate and the contribution will cease to be beneficial to the bank. That is, the bank will have to pay a percentage of deposit higher than the percentage that creditors pay the bank.

Exception: If the contribution rate depends on the refinancing rate. In other words, the refinancing rate is growing - the interest rate is growing, the refinancing rate decreases - the percentage of the contribution decreases.

An example of counting interest on the replenished contribution

A person has discovered a contribution to 5,000 rubles at 9% per annum for 3 months. A month later, he put another 3000 rubles:

per year: 5000 * 9/100 \u003d 450 rubles for 30 days: 450 * 30/365 \u003d 36,986 rubles the residue after 30 days: 5000 + 3000 \u003d 8000 rubles recalculated for the year: 8000 * 9/100 \u003d 720 rubles for the remaining 60 days: 720 * 60/365 \u003d 118,356 rubles Total percent amount: 36,986 + 118,356 \u003d 155 rubles 34 kopeck The total amount that the contributor will receive: 5000 + 3000 + 155.34 \u003d 8155 rubles 34 kopecks

Deposit Calculator with Replenishment

			make
date	coming	consumption	amount on the score
	5000	0	5000
		0

How to calculate the percentage of deposit with capitalization. What is this: "Capitalization of the Deposit"

Interest may be paid:

1. total with [ ending | Termination | on the day of signing] contract for deposit.
2. the total amount is crushed into parts and is paid monthly, annually. The client can choose the most suitable option for itself:
   • with the periodicity specified in the contract or less often come to the bank and take the amount of accrued interest or automatically transfer them to a plastic card. That is, "live percent."
   • capitalization of interest, he is a complex percentage Calculate accrued interest to the deposit balance. Just as if you came on the day of interest accrual, they filmed the amount of interest and replenished her contribution. The deposit balance increases and it turns out that the percentage percentage is charged. Interest contributions to the capitalization of interest should be chosen to those who do not plan to remove the amount of percentages. This Council does not apply to deposits, where, according to the terms of the contract, partial removal in the amount of capitalized interest is possible.

Deposit Calculation Formula with Capitalization

S \u003d S × ⎛ ⎝ 1 + p × d 100 × D.⎞ ⎠ N s - the final amount that the contributor will receive, S is the initial amount, P is the annual interest rate, D - the number of calendar days in the period, D - the number of days in the calendar year, n - the number of capitalization

An example of calculating interest on the contribution of capitalization

On January 1, a person has discovered a contribution with capitalization by 5000 rubles at 9% per annum on 6 months 180 days. Accrual and capitalization of interest occurs on the last day of each month.

5000 × (1 + 9/100 × 30/365) ^ 3 × (1 + 9/100 × 28/365) × (1 + 9/100 × 31/365) ^ 2 \u003d 5000 × 1,02235634396 × 1 Turn to the table above: 00690410959 × 1,01534609946 \u003d 5226,06

• 30 days will be in three months: January, April, June.
• 28 days can only be in one month - February.
• March 31 will be in March and May.

When calculating the number of days in the period, it is also necessary to take into account that if the last day of the term falls on non-working day, the end of the deadline is considered the closest working day following him (Article 193 of the Civil Code of the Russian Federation). Therefore, calculators laid out on the Internet will be close to reality, but they do not give 100% accuracy. How can I calculate income for 2 years when the production calendar is approved annually?

How to check the accrual interest in deposit accuracy to a penny

Technique gives failures. When there is an extract from the account, manually recalculate the interest relying to pay is not so difficult.

Example: On January 20, a person has discovered a contribution with capitalization once a quarter to 5000 rubles at 9% per annum on 9 months 273 days. March 10 replenished the score of 30000 rubles. July 15 removed 10,000 rubles. April 20, 2014 and July 20, 2014 fall on Sunday.

20.01-10.03: 5000*9/100*49/365=60,41 10.03-21.04: 35000*9/100*42/365=362,47 20.01-21.04: 60,41+362,47=422,88 21.04-15.07: 35422,88*9/100*85/365=742,42 15.07-21.07: 25422,88*9/100*6/365=37,61 21.04-21.07: 742,42+37,61=780,03 21.07-20.10: 26202,91*9/100*91/365=587,95

Are interest on tax deposits? What contributions are taxed?

I assume that the question of taxes may sound, why the corresponding calculator is not made.

Let us turn to the law (Article 214.2 of the Tax Code of the Russian Federation): If at the time of the conclusion or prolongation extension contracts up to 3 years percent of the ruble contribution exceeds in February 2014: 8.25% + 5% \u003d 13.25%refinancing rate by 5 percentage pointsT. deposit rate minus 13.25%percentage incomes above this value A citizen of the Russian Federation needs to pay 35% of the tax. The design of the relevant documents should be engaged in the bank.

In practice, no one puts percentage, above 13.25%:

It is quite clear that the meaning of the bank deposit is to receive income in the form of interest. And how can this income count in advance?

The easiest case is a contribution for a year without replenishment

If the deposit is decorated exactly for a year with the receipt of interest at the end of the deadline, determine the amount of payments is very simple. Suppose the contribution of 700,000 rubles is open on July 15, 2014 for 1 year at 9 percent per annum. So, July 15, 2015 the depositor will receive its 700 thousand plus income:
700 000 x 9: 100 \u003d 63 000 rubles.

Contribution for a term less or more than a year without replenishment

If the same 700,000 rubles are put on a deposit under the same 9% per annum, but 180 days, or 6 months, the calculation will be slightly harder:
700 000 x 9/100/365 (or 366) x 180 \u003d 31068.50
Where 365 or 366 is the number of days in a concrete year.

Contribution with replenishment

Complete the task and assume that it is discovered with the possibility of replenishment. Conditions: a contribution to the amount of 500,000 rubles was issued on July 15, 2014 for a period of 1 year under the same 9% per annum. December 10, the contribution is replenished by 200,000 rubles. Question: What income will receive the investor on July 15, 2015?

500,000 rubles lay 148 days;
700,000 rubles lay 217 days.

Moving for checking 148 and 217, we get 365 - it means that days are calculated correctly.

500 000 x 9/100/365 x 148 \u003d 18 246.58 rub.
700 000 x 9/100/365 x 217 \u003d 37 454.79 rub.

Total income: 18246,58 + 37454.79 \u003d 55701,37 rubles.

The most difficult case is a contribution with capitalization.

Capitalization in banking is called the accession of the interest received to the initial deposit amount. Consider another example: the same 700,000 rubles are put on a deposit for 1 year (365 days) under 9% per annum, with a monthly accrual interest. These percentages can be either monthly removed or capitalized. It is intuitive that with the same percentage income in the second case will be more. Calculate.

Income for the first month: 700 000Х9 / 100 / 365х30 \u003d 5178.08 (30 - Number of days in a month, may be 31, in February 28 or 29).
We add the interest to the amount of deposit and consider income for the second month:
(700 000 + 5178.08) x9 / 100/365 * 30 \u003d 5216,39
Third month:
(700 000 + 5 178.08 + 5 216.39) x9 / 100 / 365x30 \u003d 5254,97

Etc. If it is conditionally accept that in each month 30 days, then the income per year will be 64728.4 rubles. To be considered in this way the cumbersome, but the result will be accurate, especially if we proceed from the real number of days in each month.

It is also necessary to keep in mind: the percentage of deposit with capitalization is usually lower than without it. It makes sense not only to consult with a bank employee, but also to calculate and compare the yield of different contributions. It may be that it is more profitable to put funds for a deposit without capitalization, but under a higher percentage.

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