№16 | Кредиты, вклады, оптимизация за 4 часа с нуля и до уровня ЕГЭ 2025

At 00:00 we discuss the plan for today’s webinar. At 03:50 we begin the credit basics, learning how to work with percentages and simple examples. At 08:50 we define credit, build a table, and learn about the all‑inclusive payment scheme. At 19:00 we explore the mathematical model of the payment system, including the concept of overpayment. At 23:00 we derive the general payment formula for an all‑inclusive scheme. At 34:36 we learn how to detect computational errors in economic problems. At 42:44 we discuss life hacks and the general payment formula for a credit taken for n years, distinguishing payment schemes by the number of years. At 48:10 we motivate and solve problem 8 from the 2020 EGE on a hybrid payment scheme. At 1:03:30 we analyze differentiated payment schemes, understanding the phrase ‘each year the debt must be the same amount less than the previous year’. At 1:11:25 we break down the components of differentiated payments, using a ‘food and money’ example. At 1:20:18 we focus on the last year in the table, deciding what to write in that row. At 1:24:00 we treat payments as an arithmetic progression, applying it to the EGE. At 1:31:30 we compare the largest and smallest payments in a differentiated scheme. At 1:35:28 we solve problem 6 from the 2019 EGE, illustrating the payment in a ‘food’ example. At 1:53:20 we solve problem 11 from the 2021 EGE, explaining why it is not a differentiated payment. At 2:04:30 we provide a life hack to simplify calculations when summing all payments. At 2:15:30 we solve problem 13 from the 2022 EGE, an analog of an all‑inclusive payment with different payouts. At 2:28:40 we tackle the hardest credit problem from the 2018 EGE (problem 3), distinguishing it from a differentiated scheme. At 2:49:40 we fill a table in a problem with an unknown interest rate (problem 10). At 3:00:20 we move to investments, discussing how they work in real life, solving problem 15 and correctly filling the table. At 3:20:30 we tackle a classic optimization problem (problem 18), outlining a general solution plan. At 3:27:18 we write the condition and function for optimization, recalling how to find the derivative. At 3:38:00 we solve problem 19 on optimization, focusing on profitability in a hotel number example. At 3:43:50 we explain the concept of partitioning numbers for maximum benefit. At 3:48:00 we solve another investment problem (problem 17). At 3:57:00 we conclude, summarizing how to correctly solve the homework.