Loan repayment in days

JulianD

New member
Joined
Nov 9, 2010
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My college math teacher didn't explain this enough, and I didn't understand it nor did anyone in the class. He placed something like this on the test but everyone failed this section due to his lack of explanation. So he gave us this question so everybody in the class can get a 50% on this section of the test. I'll give it a shot but I really need some help.

Question:

A loan for $5000 has an interest rate of 7%.
The loan is to be repaid by four equal payments on dates 100, 150, 200 and 250 days from the date of the loan advance. What is amount of each payment?

Please provide the following:
a. Identification of data.
b. Timeline
c. Formula
d. Answer in the form of sentence




P= $5000
R= 7%
T= 250/365 = .685

I= Prt
I= 5000 * .07 * .685
Tot Int =$239.75

I2=239.75/4
Interest per payment= 59.94

P2=5000 /4
Payment=1250

$59.94 + 1250=
$ 1309.94 (Equiv payment... I know its probably wrong)
 
Well Julian, what have you learned so far on loans? Have you at least looked up the "loan payment formula"?
Take a loan of $3000, 12% annual compounded monthly, over 2 years (24 payments);
are you able to calculate the monthly payment?

If not, by formula, payment is:
3000(.01) / (1 - 1 / 1.01^24) = ~141.22 ; can you follow that?

Asking because I need to know where you're at before trying to help with this complicated case...
 
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