Good Credit Favorable conditions Flexible term Fixed term, manageable rates Applies to loans Whichever loan you choose, it is important that it is tailored to your purposes and your life. – Loan calculator or loan calculator – Repayment plan calculator (in some cases) – Loan calculator or loan calculator. Not every loan calculator has the same structure.
a possible (theoretical) return on equity of the company on the market is included as a calculation value in its own cost and income statement.
The calculator is most commonly used for installment loans
This means that the operating result only shows the surplus that was achieved through our own economic activity, the arithmetically achievable interest rate on equity. An example of the residual value method would be: The average method is based on the formula:
Another interesting topic from the financial sector, monetary values are advantages that can be passed on to the client from over.
With the prepayment invoice, a loan (usually a long-term loan) is repaid in several installments at the same time intervals. With the installment repayment, the repayment rate remains constant during the term of the letter of credit and does not change itself (is discussed in this article only in anti-sentence terms). Under annuity repayment, while, during, the term of the loan is under while constant.
On the other hand, a lower residual debt component leads to lower interest liabilities. Due to the constancy of annuity, however, the repayment portion increases by the value of the interest rate reduction. With an increasing decrease in interest liabilities, the repayment portion in the annuity increases all the more. There may be a different annuity at the time of the last payment! The repayment amount is 5000 dollars per year.
The following formula applies to the calculation of the annuity
The residual purchase price at the end of the financial year t is calculated: Interest burden for in year t: Annuity repayment with annual payment: The following relationship, therefore, arises between the capital payments, the interest and the annual address: Example – The Typ. Process of annuity repayment: The annuity in the nth year can be calculated with this formula:
This results in the remaining debt at the end of the ninth year: Task 1: A loan of USD 200,000 is to be repaid in 5 equal annual interest plus the interest incurred. To what extent is annuity high in the third year? Solution: Task 2: The textile company wants to trigger a loan of USD 180,000, which is 7.5% interest-bearing, in 5 years for annuities just as big.
Calculate annuity A and the remaining debt at the end of the third year! What is the remaining debt at the end of the seventh year?
To what extent is the remaining debt in the eleventh year and how much is the interest and repayment in the twelfth year? To what extent is the rounding difference of the large? Solution: Interest and repayment in the course of the year 12: In the course of the year 12: 14.167.34 USD must be repaid (residual debt = 0). This results in interest income of 15. 167.34 * 4.5 / 100 = USD 637.53.
The annuity in the past year
Has to be adjusted and amounts to 13,804.87 USD. Task 5: A mortgage debt of USD 160,000 is to be repaid with 6.5% annual interest payments of the same amount over a period of 26 years through annuities.
Solution: Interest and repayment in the 24th year: In the 24th year, USD 1,316.30 must be repaid (residual debt = 0). This results in an interest rate of USD 123.30 * 6.5 / 100 = USD 800.56. The annuity in the past year has to be adjusted and amounts to 23. 116.86 USD.
Task 6: A loan of USD 90,000 is to be repaid in eight years from annuities of the same size. The amount of interest rates is 7.25% in the first 3 years, 7.5% in the fourth and fifth years, and 7% in the last 3 years.
Solution: Annuities for The different interest rates read as follows: USD 218.44, USD 320.05 and USD 181.17. Task 7: A mortgage debt of 125,000 dollars is backed annually with 6% interest. For repayment and interest payments to be paid annually 10,000. ER Solution: Task 8: Good Finance equipment factory provided a loan of 450,000 dollars to expand its facilities under the following conditions:
Annual interest rate 6.5%; annual repayment in the same amount annuities of 10% of the loan amount plus 6.5%. How high is an annuity? How many years after how many years will the loan be repaid?