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  • Calculating loan repayment schedules in different scenarios

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    Ioana Dec
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    The document describes 4 cases of loan repayment: 1) Equal annual principal and interest payments that fully repay the loan over 5 years. 2) A final balloon payment of the remaining principal at the end of 5 years, with only interest-only payments for the first 4 years. 3) Constant equal annual payments that include both principal and interest, fully repaying the loan over 5 years. 4) A grace period where only interest is paid for the first 2 years, with principal and interest payments for the remaining 3 years.

    Original Description:

    Exemplele Discutate FINANTARE IN AFACERI

    Original Title

    Seminarul 1_Exemplele Discutate

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    The document describes 4 cases of loan repayment: 1) Equal annual principal and interest payments that fully repay the loan over 5 years. 2) A final balloon payment of the remaining principal at the end of 5 years, with only interest-only payments for the first 4 years. 3) Constant equal annual payments that include both principal and interest, fully repaying the loan over 5 years. 4) A grace period where only interest is paid for the first 2 years, with principal and interest payments for the remaining 3 years.

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    © All Rights Reserved
    Download as XLSX, PDF, TXT or read online from Scribd
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    4 views8 pages

    Calculating loan repayment schedules in different scenarios

    Uploaded by

    Ioana Dec
    The document describes 4 cases of loan repayment: 1) Equal annual principal and interest payments that fully repay the loan over 5 years. 2) A final balloon payment of the remaining principal at the end of 5 years, with only interest-only payments for the first 4 years. 3) Constant equal annual payments that include both principal and interest, fully repaying the loan over 5 years. 4) A grace period where only interest is paid for the first 2 years, with principal and interest payments for the remaining 3 years.

    Copyright:

    © All Rights Reserved
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    of 8

    Cazul 1: Rambursarea creditului se face in serii anuale egale

    Credit
    Anii
    1
    2
    3
    4
    5
    Credit
    Anii
    1
    2
    3
    4
    5

    300000
    Principal
    60000
    60000
    60000
    60000
    60000

    Dobanda
    30000
    24000
    18000
    12000
    6000

    Anuitate
    90000
    84000
    78000
    72000
    66000

    Cap. rmas
    240000
    180000
    120000
    60000
    0

    Dobanda
    75000
    60000
    45000
    30000
    15000

    Anuitate
    175000
    160000
    145000
    130000
    115000

    Cap. rmas
    400000
    300000
    200000
    100000
    0

    500000
    Principal
    100000
    100000
    100000
    100000
    100000

    Cazul 2: Rambursarea creditului se face in transa finala


    Credit
    Anii
    1
    2
    3
    4
    5
    Credit
    Anii
    1
    2
    3
    4
    5

    300000
    Principal
    0
    0
    0
    0
    300000

    Dobanda
    30000
    30000
    30000
    30000
    30000

    Anuitate
    30000
    30000
    30000
    30000
    330000

    Cap. rmas
    300000
    300000
    300000
    300000
    0

    Dobanda
    75000
    75000
    75000
    75000
    75000

    Anuitate
    75000
    75000
    75000
    75000
    575000

    Cap. rmas
    500000
    500000
    500000
    500000
    0

    500000
    Principal
    0
    0
    0
    0
    500000

    Cazul 3: Anuitati constante

    Credit
    Anii
    1
    2
    3
    4
    5
    Credit
    Anii
    1
    2
    3
    4
    5

    300000
    Principal
    49139
    54053
    59458
    65404
    71945

    Se va folosi formula: An const = Credit in


    Dobanda
    30000
    25086
    19681
    13735
    7194

    Anuitate
    79139
    79139
    79139
    79139
    79139

    Cap. rmas
    250861
    196808
    137349
    71945
    0

    Dobanda
    75000
    63876
    51084
    36373
    19455

    Anuitate
    149158
    149158
    149158
    149158
    149158

    Cap. rmas
    425842
    340561
    242487
    129702
    0

    500000
    Principal
    74158
    85281
    98074
    112785
    129702

    Cazul 4: Perioada de gratie

    Anii
    1
    2
    3
    4
    5

    Principal
    0
    0
    121000
    121000
    121000

    Dobanda
    0
    0
    36300
    24200
    12100

    Anuitate
    0
    0
    157300
    145200
    133100

    Cap. rmas
    330000
    363000
    242000
    121000
    0

    Anii
    1
    2
    3
    4
    5

    Principal
    0
    0
    220417
    220417
    220417

    Dobanda
    0
    0
    66125
    44083
    22042

    Anuitate
    0
    0
    286542
    264500
    242458

    Cap. rmas
    575000
    661250
    440833
    220417
    0

    An const = Credit initial * (Dobanda / (1-(1+Dobanda)^(-perioada)))

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