Personal Finance Questions and Answers

Annuity Calculation query?

Given that FVoa = PMT [((1 + i)n - 1) / i], how can you rearrange the formula to solve for i?

If you prefer numbers to formulae, here are the given values:
FVoa = 1365
n=13
PMT=100

Thanks to adjectives that attempt this!


Answers: Your formula is incorrect, it should be

FVoa = PMT [((1 + i)^n - 1) / i]

1365 = 100[((1 + i)^13 - 1) / i]

divide both sides by 100

13.65 = ((1 + i)^13 - 1) /i

distribute the power of 13

13.65 = 1 + i^13 - 1 / i

The ones cancel

13.65 = i^13 / i

divide out the i

13.65 = i^12

so afterwards you take the inverse which is

12√13.65 = i

use your calculator for this and voila

i = 1.24%

It's be a while so this might be wrong, but it's my best shot.

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Is it true that Muslim bank don't charge interest on loans?

I herad its a sin in islam to charge money for money. Can I receive a Loan if I am not a Muslim from an Islamic bank?


Answers: It is true. In Islamic Banking, things are different. You become a (per cent)owner of the Bank by investing and become a partner of production if you purloin a loan.
Your loan asset is being utilized for your gain as capably as of the Bank. When liability towards the Bank ends, you become the owner of the asset financed by the Bank.All a different approach.
If you are not a Muslim ...perhaps you are excluded.
Correct .. the way such a Mortgage works is as follows :-

The Bank buys the house for eg. lb100,000

The Bank sell you the house for eg. lb200,000

You pay this sour over 10 years at lb20,000 a year

The Bank has made (simple) gain of 100%/10 = 10% a year

The Bank have not 'made money on money' .. they have made money by selling you a house


This is, obviously, simple a pointless exercise in money shuffling surrounded by order to appease Allah .. plainly they must believe Allah is really stupid, since they expect Allah to be fooled by it )
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