4. The Petrovs family decided to buy an apartment with a mortgage. The total cost of the apartment was 13,000,000 rubles, and the family did not have enough funds, so they decided to take a loan of 8,000,000 rubles. One of the bank's conditions for issuing the loan was the purchase of a comprehensive mortgage insurance policy for the first year of the loan, including insurance of the acquired apartment against risks of loss and damage (property insurance), title insurance (loss of ownership rights to the apartment), and life and health insurance of the borrowers. Maria Sergeyevna Petrova and Vasily Dmitrievich Petrov became co-borrowers in the ratio of 40% and 60% of the loan amount, respectively. Calculate the family's expenses on insurance for the year if the bank's requirement is formulated as follows: "The insurance amount for the risks of loss, damage, and loss of ownership for the first year of insurance should be no less than the loan amount at the time of issuance, increased by the interest rate, and the insurance amount for the life and health insurance of each co-borrower, calculated in the above-mentioned manner, is divided proportionally according to each of their contributions to the loan." (20 points)

Appendix: the interest rate on the loan is 9.5%, the tariff for property insurance is 0.09%, life and health insurance (women) is 0.17%, life and health insurance (men) is 0.19%, and title insurance is 0.27%.
# Solution:

$8000000+0.095 \times 8000000=8760000$ - final loan amount, insurance sum

$8760000 \times 0.09\%=7884$ - cost of property insurance

$8760000 \times 0.27\%=23652$ - cost of title insurance

$8760000 \times 0.4 \times 0.17\%=5956.8$ - cost of life and health insurance for Maria Sergeyevna

$8760000 \times 0.6 \times 0.19\%=9986.4$ - cost of life and health insurance for Vasily Dmitrievich

Total: 47481.20 - cost of insurance (sum of previously calculated amounts) Answer: 47481.20

## Criteria