FINANCIAL MATHEMATICS

Simple and Compound Interest QUESTION 21:

A store offers a computer and a
printer for R$ 3,000.00 upfront, or for 20% of
down payment in cash plus one payment of
R$2,760.00 after 5 months. What is the interest rate?
simple charged?
QUESTION 11 QUESTÃO 22:
Calculate the resulting amount from the application of
QUESTION 12 R$70.000,00 à taxa de 10,5% a.a. durante 145 dias.

QUESTÃO 13:
A person invested the capital of R$ 1,200.00 at a
2% interest rate per month for 14 months. Determine the
QUESTION 23:
interest and the amount of this investment.
What is the amount produced by a capital of R$
7,000.00 applied at a monthly interest rate of
QUESTION 14: 1.5% for a year?
A capital invested at simple interest for 2 years,
with an interest rate of 5% per month, generated an amount
QUESTION 24:
of R$ 26,950.00. Determine the amount of the capital
Calculate the value of the capital that, invested at a rate of
applied. 2% per month, it yielded in 10 months the amount of R$
15,237.43
QUESTION 15:
An investor invested the amount of R$ 500.00 in a QUESTION 25:
investment fund that operates under the interest regime
Investing R$ 15,000.00 at an interest rate
simple. After 6 months, the investor checked that the composed of 1.7% per month, how much would I get back
the amount was R$ 560.00. What is the interest rate? after one year of application? What is the interest obtained in this
of this investment fund? period?
QUESTION 16: QUESTION 26:
(UF–PI) An amount was invested at simple interest of Applying today in the savings account the amount
6% per month, for 5 months and then the of R$ 20,000.00, what will be the amount generated from
amount was invested for an additional 5 months, at interest
end of 4 years, knowing that the monthly return is
simple interest of 4% per month. At the end of the 10 months, the new
of 0.5%?
the amount was R$ 234.00. What is the value of the sum
initially applied? QUESTION 27:
The investment of R$ 5,000.00 at an interest rate
QUESTION 17: compounds of 20% a.m. will yield, after four months,
Calculate the interest generated by a capital of R$ the amount of...
2,000.00 placed at a rate of 1% per month for 1 year and 2
months. QUESTION 28:
The capital of R$ 10,000.00, placed at interest
QUESTION 18: compounded, capitalized monthly, during
Calculate the capital that, invested at an interest rate of 1% per month,
three months, rose at the end of this period to R$
produces in 1 year and 1 month, interest of R$ 650.00.
15,000.00. Calculate the respective rate of
interest.
QUESTION 19:
Calculate the amount of a capital of R$ 1,200.00, QUESTION 29:
employed for 2 years and 6 months at a rate of 0.5% A certain capital was placed at compound interest of 12%.
a.m. a.s., for two years. Knowing that it yielded R$
2,600.00 in interest, what is the total amount obtained?
QUESTION 20: Let's consider (1.06) 4
A capital invested at simple interest for two years = 1.26.
and a half, at a rate of 4% per month, generated over the period, a
amount of R$17,600.00. QUESTION 30:
a) What was the capital invested?
Fernando lends the initial capital of R$ 4000.00
b) What would have been the amount generated if the rate of
(four thousand reais) for Pedro charging interest
Would the monthly income be reduced by half? compounds of 4% per month. Pedro promised to pay

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everything after 5 months. What will be the value it will have

What to pay?

QUESTION 31:
Calculate the amount of a capital of R$ 12,000.00
applied for 3 years in a bank that pays in
compound interest regime with a rate of 1.5% per month.

QUESTION 10:
Dados: C = 1000 i = 2% a.m.
j = c.i.t / 100
j = (1000.0, 02.50)
j = 1000
C + J = 2000
That is, double the amount.
Answer C
QUESTION 33 - SIMPLE INTEREST
Intermediate Level Positions - Pref. de Belterra - CETAP 2008
QUESTION 11:
How long does it take for a capital invested at the interest rate
Dados: M = 4c c = c i = 3% t = ?
Does 2% per month double? M = c + c.i.t / 100
5 years. 4c = c + c . 3 . t / 100
B) 1 year. 4c - c = c. 3 . t / 100
C) 4 years and 2 months. 3c . 100 = c . 3 . t (÷C)
D) 3 years and 8 months. 3t = 300
2 years and 8 months. t = 100 months = 8 years and 4 months
Answer B
QUESTION 34 – SIMPLE INTEREST
Middle Level Positions - City Hall of Belterra - CETAP 2008
I invested R$50,000.00 in a bank at compound interest QUESTION 12:
14% per year. What is the interest earned at the end of 2 Dados: C = 15000 i = 1,7% t = 1 ano
years? M = C (1 + i)t
R$14,980.00 M = 15000 . (1 + 0,017)12
R$6,498.00 M = 15000 . (1,017)12
R$12,280.00. M = 15000 . 1.224197
D) R$18.328,00. M = 18362.96
R$10,287.50.
J=M-C
QUESTION 35 - SIMPLE INTEREST J = 18362,96 – 15000
Administrative Agent - São Pedro do Sul/RS - OBJECTIVE 2015 J = 3362.96
Select the option that shows the amount
resulting from the application of R$ 35,000.00 at the rate of QUESTION 13:
simple interest of 5% per year for 72 days: Capital (C) = R$ 1.200,00
R$ 35,550.00 Tempo (t) = 14 meses
R$ 35,350.00 Rate (i) = 2% per month = 2/100 = 0.02
R$ 350.00
d) R$ 550,00 Formula of simple interest
J=C*i*t
QUESTION 36 - SIMPLE INTEREST J = 1200 * 0,02 * 14
Administrative Agent – São Pedro do Sul/RS – OBJECTIVE 2015 J = 336
The simple interest rate of 6% per month is proportional
at the quarterly rate of: Amount
a) 18% b) 30% c) 24% d) 12% M=C+J
M = 1200 + 336
M = 1536
The value of the interest from the investment is R$ 336.00 and the
the amount to be redeemed is R$ 1,536.00.

QUESTION 14:
Montante (M) = R$ 26.950,00

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Tempo (t) = 2 anos = 24 meses J=2000 i = 0,01 t = 14

Taxa (i) = 5% ao mês = 5/100 = 0,05 i=1%01
a.m. J=280
To determine the capital we need to do the n=1 year 2 months = 14 months
next adaptation: The obtained interest will be R$ 280.00.
M=C+J
J=M-C QUESTION 18:
Solution:
Substituting in the formula J = C * i * t, we have: i=1% a.m.
M-C=C*i*t n=13 months
26950 - C = C * 0.05 * 24 J= R$ 650.00
26950 - C = C * 1.2
26950 = 1.2C + C J = (cit)/100
26950 = 2.2C 650 = c . 0.01 . 13
C = 26950/2,2 650 = c . 0.13
C = 12250 C = 650/0.13
Therefore, the capital applied was R$ 12,250.00. C= 5.000

QUESTION 15: QUESTION 19:

Capital (C) = R$ 500,00 Solution:
Montante (M) = R$ 560,00 M=?
Tempo (t) = 6 meses C=R$ 1,200.00
Calculating the application interest n = 2 years and 6 months = 30 months
J=M-C i = 0.5% per month
J = 560 - 500
J = 60 M = C(1 + in)
Applying the formula J = C * i * t M=1200(1+0.005)^(30)
60 = 500 * i * 6 M=1200(1+0.15)
60 = 3000*i M=1200 1.15
i = 60/3000 M= 1.380
i = 0.02 which corresponds to 2%.
The interest rate of the investment fund is equal to QUESTION 20:
2% R$ 8,000.00
R$ 12,800.00
QUESTION 16:
1st application
Taxa (i) = 6% ao mês = 0,06 QUESTÃO 21:
Tempo (t) = 5 meses :
J=C*i*t 3%
J = C * 0.06 * 5
J = 0.3 * C QUESTION 22:
M=C+J M = P . ( 1 + (i.n) )
M = C + 0.3C M = 70000 [1 + (10.5/100).(145/360)] = R$72,960.42
M = 1.3C Note that we express the rate i and the period n, in the
2nd application same unit of time, that is, years. Hence having
Capital (C) = 1.3C divided
Rate (i) = 4% per month = 0.04 145 days by 360, to obtain the equivalent value in
Tempo (t) = 5 meses years, since a commercial year has 360 days.
The capital of the 2nd application will be the amount of the 1st.
Observe: QUESTION 23:
J=C*i*t C: R$ 7,000.00
J = 1.3C * 0.04 * 5 i: 1.5% per month = 1.5/100 = 0.015
J = 0.26C 1 year = 12 months
M=C+J
234 = 1.3C + 0.26C M = C * (1 + i)^t
234 = 1.56C M = 7000 * (1 + 0.015)12
C = 234 / 1,56 M = 7000 * (1.015)12
C = 150 M = 7000 * 1.195618
Therefore, the initial capital is R$ 150.00. M = 8369,33
QUESTION 17: The amount will be R$ 8,369.33.
Data:
J=? J=C. i. n QUESTION 24:
C = R$ 2,000.00 R$ 15,237.43

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10 J = 4866 – 4000 = 866

i: 2% a.m. = 2/100 = 0.02
QUESTION 31:
M = C * (1 + i)^t M=?
15237.43 = C * (1 + 0.02)^10 C = 12.000
15237.43 = C * (1.02)10 i = 1.5% = 1.5/100 = 0.015
15237.43 = C * 1.218994 t = 3 years = 36 months (since the interest rate is monthly)
C = 15237,43 / 1,218994 M = C* (1 + i)^t
C = 12500,00 M = 12000 * (1 + 0.015)^36
M = 12000 * 1.01536
The capital is R$ 12,500.00. M = 12000 * 1,70914
M = 20,509.68
Calculating the interest rate of the investment.
QUESTÃO 32: RESPOSTA D
QUESTION 25: M = 32000 C = 20000 J = 12000 i = 1,2 meses
M = 18362,96
J = 3362.96 M=C+C.i.t
32000 = 20000 + 20000 . 0.012 . t
QUESTION 26: 32000 = 240t
M = C (1 + i)^n t = 50
P= 20000
i = 0.5% per month = 0.005 QUESTÃO 33: RESPOSTA C
n = 4 years = 48 months (note that the time and the rate C = C J = C i = 0,02 t=?
they must be in the same period
S=? J=C.i.t
Applying the formula: C = C . 0.02 . t
M= C (1+i)n C/C = 0.02t
S = 20000*(1+0,005)48 1 = 0.02t
S = 20000 * (1.005) ^ 48 t = 1/0.02 = 50 months
S = 20000 * 1.2704891611
S = 25409.78
The amount produced will be R$ 25,409.78. QUESTION 34: ANSWER A

QUESTION 27: QUESTÃO 35: RESPOSTA B

M = 10368
QUESTÃO 36: RESPOSTA A
QUESTION 28:
i = 14% interest per month.

QUESTION 29:
M = 12600

QUESTION 30:
M = C * (1 + i)^t
M = Montante
C = Initial Capital
i = Interest rate
t = Tempo
Using the formula for the compound interest problem
above we will have:
M = ? (is the value we want to know)
C = R$ 4000.00
i = 4% / 100 = 0.04
t=5

M = 4000 * (1 + 0,04)5
M = 4000 * (1.04)^5
M= 4000 * 1,2165
M= 4866
Subtracting the initial capital from the amount we have: