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x zł=100%
x=280×100:80
x=350zł
x/12×2,8% z 50 000=350
x/12×0,028×50 000=350
x/12=350:1400
x/12=¼
4x=12
x=3
po 3 m-cach
spr. 50000+3/12×0,028×50000=50000+350zł=50350zł
350zł-20% z 350zł=280zł
licze na naj :)