Jak nalicza mBank odsetki w eMAX i eMAX Plus ? Czy ma znaczenie którego dnia
miesiąca wpłace pieniadze, czy wpłace pieniądze 1-go, 7-go czy 25-go dnia
miesiąca ?

Czy jeśli mam 1000 zł i 15-go dnia miesiąca wpłace 100 zł, to czy dostane
4.5%/12 od 1000 zł i dodatkowo 4.5%/12 /2 = 4.5%/24 od 100 zł ?


ATK

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> Jak nalicza mBank odsetki w eMAX i eMAX Plus ? Czy ma znaczenie
> którego dnia miesiąca wpłace pieniadze, czy wpłace pieniądze 1-go,
> 7-go czy 25-go dnia miesiąca ?

Oczywiście ma. Naliczane są codzienne od salda o północy. Tylko
kapitalizacja, czyli dopisywanie odbywa się raz w miesiącu, a konkretnie
na jego koniec.

> Czy jeśli mam 1000 zł i 15-go dnia miesiąca wpłace 100 zł, to czy
> dostane 4.5%/12 od 1000 zł i dodatkowo 4.5%/12 /2 = 4.5%/24 od 100 zł ?
> ATK
Nie mam pojęcia co to za wzory, bo co tam robi liczba 12? Oprocentowanie
jest podawane w skali roku i za rok przyjmuje się 365 dni i tak dziennie
nalicza się 4,5%/365. Za cały 2008 rok wynosiłyby 366*(4,5%/365). Nie
można wyliczać odnosząc się do miesiąca, gdyż ilość dni w miesiącu nie
jest stała.

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> Jak nalicza mBank odsetki...?

Najzwyczajniej, 1/365 stopy procentowej
od salda na koniec każdego dnia z osobna.

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Rozumiem, dziekuje !

ATk

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> Rozumiem, dziekuje !

Uwzględnij też kapitalizację, bo nie tylko twoje wpłaty, ale także odsetki
dopisane do rachunku powiększają saldo od którego naliczane są następne
odsetki.
Tłumaczy to dlaczego na lokacie/ rachunku wyżej oprocentowanym można mniej
zarobić niż na lokacie/rachunku niżej oprocentowanym, ale za to częściej
kapitalizowanym.

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Dnia Wed, 23 Jan 2008 22:56:31 +0100, K.K. napisał(a):

> Oprocentowanie
> jest podawane w skali roku i za rok przyjmuje się 365 dni i tak dziennie
> nalicza się 4,5%/365. Za cały 2008 rok wynosiłyby 366*(4,5%/365).

Czy jesteś pewien tego 365 w dzielniku? W 2004 z ciekawości sprawdzałem i w
części banków było 365 a w części 366. Nie pamiętam jak w mBanku.

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>> Oprocentowanie
>> jest podawane w skali roku i za rok przyjmuje się 365 dni i tak
>> dziennie nalicza się 4,5%/365. Za cały 2008 rok wynosiłyby
>> 366*(4,5%/365).
> Czy jesteś pewien tego 365 w dzielniku?

Nie jestem pewien, więc wypadałoby sprawdzić.
Ustawa Prawo Bankowe, art. 52 ust. 3
"Do obliczania należnych odsetek od środków pieniężnych zgromadzonych na
rachunku przyjmuje się, że rok liczy 365 dni, chyba że umowa stanowi
inaczej."

> W 2004 z ciekawości
> sprawdzałem i w części banków było 365 a w części 366. Nie pamiętam
> jak w mBanku.
Na naprawę pamięci najlepszy będzie regulamin mBanku.
§ 56. /---/ Przy obliczaniu odsetek od środków przechowywanych na rachunku
przyjmuje się, że rok liczy 365 dni.

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unhinge the reason. The tone of voice affects the wisest, and
changes the force of a discourse or a poem.

Love or hate alters the aspect of justice. How much greater confidence has
an advocate, retained with a large fee, in the justice of his cause! How
much better does his bold manner make his case appear to the judges,
deceived as they are by appearances! How ludicrous is reason, blown with a
breath in every direction!

I should have to enumerate almost every action of men who scarce waver save
under her assaults. For reason has been obliged to yield, and the wisest
reason takes as her own principles those which the imagination of man has
everywhere rashly introduced. He who would follow reason only would be
deemed foolish by the generality of men. We must judge by the opinion of the
majority of mankind. Because it has pleased them, we must work all day for
pleasures seen to be imaginary; and, after sleep has refreshed our tired
reason, we must forthwith start up and rush after phantoms, and suffer the
impressions of this mistress of the world. This is one of the sources of
error, but it is not the only one.

Our magistrates have known well this mystery. Their red robes, the ermine in
which they wrap themselves like furry cats, the courts in which they
administer justice, the fleurs-de-lis, and all such august apparel were
necessary; if the physicians had not their cassocks and their mules, if the
doctors had not their square caps and their robes four times too wide, they
would never have duped the world, which cannot resist so original an
appearance. If magistrates had true justice, and if physicians had the true
art of healing, they would have no occasion for square caps; the m

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and that falsehood...

922. Probable.--Let us see if we seek God sincerely, by comparison of the
things which we love. It is probable that this food will not poison me. It
is probable that I shall not lose my action by not prosecuting it...

923. It is not absolution only which remits sins by the sacrament of
penance, but contrition, which is not real if it does not seek the
sacrament.

924. People who do not keep their word, without faith, without honour,
without truth, deceitful in heart, deceitful in speech; for which that
amphibious animal in fable was once reproached, which held itself in a
doubtful position between the fish and the birds...

It is important to kings and princes to be considered pious; therefore they
must confess themselves to you.

THE END

[1]"Abstain and uphold." Stoic maxim.

2Petronius, 90. "You have spoken more as a poet than as a man."

[3]"Nothing in excess."

[4]Horace, Epistle to the pisos, 447. "They curtailed pretentious
ornaments."

5Title given by Pico della Mirandola to one of his proposed nine hundred
theses, in 1486.

[6]Tacitus, Annals, iv. "Kindnesses are agreeable so long as one thinks them
possible to render; further, recognition makes way for hatred."

7St. Augustine, City of God, xxi. 10. "The manner in which the spirit is
united to the body can not be understood by man; and yet it is man."

[8]Virgil, Georgics, ii. "Happy is he who is able to know the causes of
things."

[9]Horace, Epistles, I. vi. 1. " To be astonished at nothing is nearly the
only thing which can give and conserve happiness."

[10]Cicero, D

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of the
Messiah--that then they shall no more remember the Red Sea; that the Jews
and the Gentiles shall be mingled.

6. Proof by the key which Jesus Christ and the Apostles give us.

643. Isaiah 51. The Red Sea an image of the Redemption. Ut sciatis quod
filius hominis habet potestatem remittendi peccata... tibi dico: Surge.116
God, wishing to show that He could form a people holy with an invisible
holiness, and fill them with an eternal glory, made visible things. As
nature is an image of grace, He has done in the bounties of nature what He
would do in those of grace, in order that we might judge that He could make
the invisible, since He made the visible excellently.

Therefore He saved this people from the deluge; He has raised them up from
Abraham, redeemed them from their enemies, and set them at rest.

The object of God was not to save them from the deluge, and raise up a whole
people from Abraham, only in order to bring them into a rich land.

And even grace is only the type of glory, for it is not the ultimate end. It
has been symbolised by the law, and itself symbolises glory. But it is the
type of it, and the origin or cause.

The ordinary life of men is like that of the saints. They all seek their
satisfaction and differ only in the object in which they place it; they call
those their enemies who hinder them, etc. God has then shown the power which
He has of giving invisible blessings, by that which He has shown Himself to
have over things visible.

644. Types.--God, wishing to form for Himself an holy people, whom He should
separate from all other natio

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