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$2315,97 (1+)1^ $5000


$2315,97 (\+l,)20= $5000,

 ,   = 8%  /'=3,923%.  ,    -
         , -
  8%-     ,   
3,923%     ,    7,846%
(2  3,923%)2     .

  ,      -
  ,      (Federal
Truth-in-Lending Act)        
  (APR, annual percentage rate),    . -
     : 1)  
   ,     .  
       \8; 2) 
      ,  
 .       ,   -
       ,  -
     .

       -
     ,    ,  ,
   .      -
         -
3.

  

 ,      , -
     .   -
    {bank discount method).  -    $100
   ,       ,  8%,
   $92.         8% -
  .    $92,     
$8    .      
  ,    ,     
8,70% ($8/$92  100%).

         -
 . (        -
   (bond equivalent yield).}   
   BDR,     (APR)  -
 : BDR/(\  BDR).  BDR > 0,    -
      (  BDR < BDR/(\  BDR)).
   8,70% > 8%, ..     
      0,70%.

 

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