Câu hỏi:
01/04/2020 229Read the following passage on transport, and mark the letter A, B, C, or D on your answer sheet to indicate the correct answer to each of the questions from 36 to 42.
(1) Interest is the sum charged for borrowing money for a fixed period of time. Principal is the term used for the money that is borrowed, and the rate of interest is the percent per year of the principal charged for its use. Most of the profits for a bank are derived from the interest that they charge for the use of their own or their depositor’s money.
(2) All problems in interest may be solved by using one general equation that may be stated as follows:
Interest = Principal X Rate X Time
(3) Any one of the four quantities – that is, interest, principal, rate, or time – may be found when the other three are known. The time is expressed in years. The rate is expressed as a decimal fraction. Thus, 6 percent interest means six cents charged for the use of $1 of principal borrowed for one year. Although the time may be less than, equal to, or greater than one year, most applications for loans are for periods of less than one year. For purpose of computing interest for short periods, the commercial year or 360 days is commonly used, but when large sums of money are involved, exact interest is computed on the basis of 365 days.
Most applications for loans are for
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Giải bởi Vietjack
Đáp án B
(3) Although the time may be less than, equal to, or greater than one year, most applications for loans are for periods of less than one year
Tiền lãi là phí phải trả cho 1 khoản tiền vay trong 1 khoảng thời gian xác định. Gốc là số tiền vay, còn lãi suất là tỷ lệ người vay phải trả trong mỗi năm cho việc sử dụng số tiền gốc. Hầu hết lợi nhuận của ngân hàng là từ số tiền lãi họ nhận được khi cho người khác vay chính tiền của mình hoặc của các khách hàng gửi tiền.
Công thức để tính tiền lãi là:
Số tiền lãi = Số tiền gốc x Lãi suất cho vay x Thời gian vay
Có thể tìm ra 1 đại lượng bất kì nếu biết 3 đại lượng còn lại. Thời gian vay được tính bằng năm. Lãi suất cho vay được thể hiện bằng số thập phân.
Do đó, nếu thấy tỉ lệ lãi suất là 6%, nghĩa là với 1$ tiền gốc, người vay phải trả 6 cents tiền lãi trong 1 năm. Dù thời gian vay có thể ngắn hăn, bằng hoặc dài hơn 1 năm, đa số các đơn xin vay đều có thời gian ngắn hơn 1 năm. Với khoản vay ngắn hạn, 1 năm sẽ được tính là 360 ngày, nhưng nếu khoản vay lớn, 1 năm sẽ được tính chính xác là 365 ngày.
Nhà sách VIETJACK:
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(1) Interest is the sum charged for borrowing money for a fixed period of time. Principal is the term used for the money that is borrowed, and the rate of interest is the percent per year of the principal charged for its use. Most of the profits for a bank are derived from the interest that they charge for the use of their own or their depositor’s money.
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