4. The Ivanov family decided to buy an apartment with a mortgage. The total cost of the apartment was 7,000,000 rubles, and the family did not have enough funds, so it was decided to take a loan for 4,000,000 rubles. One of the conditions of the bank when issuing the loan was the purchase of a comprehensive mortgage insurance policy, including insurance of the acquired apartment against risks of loss and damage (property insurance), title insurance (loss of ownership of the apartment), and life and health insurance of the borrowers. Svetlana Markovna Ivanova and Dmitry Stepanovich Ivanov became co-borrowers in the ratio of 20% and 80% of the loan amount, respectively.

Calculate the family's expenses for insurance if the bank's requirement is formulated as follows: "The insurance amount for the risks of loss, damage, and loss of ownership should be no less than the loan amount increased by the interest rate, and the insurance amount for life and health insurance of each co-borrower is divided proportionally to each of their contributions to the loan." (20 points)

Appendix: the interest rate on the loan is 10.1%, 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:

$4000000 + 0.101 \times 4000000 = 4404000$ - final loan amount, insurance sum

$4404000 \times 0.09\% = 3963.6$ - cost of property insurance

$4404000 \times 0.27\% = 11890.8$ - cost of title insurance

$4404000 \times 0.2 \times 0.17\% = 1497.36$ - cost of life and health insurance for Svetlana Markovna

$4404000 \times 0.8 \times 0.19\% = 6694.08$ - cost of life and health insurance for Dmitri Stepanovich

Total: 24045.84 - total insurance cost (sum of the previously calculated amounts) Answer: 24045.84

## Criteria