PRODUSE DE CREDITARE
Toate sumele sunt in lei.

Credit 60 luni

DAE= 40.54%

SUMĂ ÎMPRUMUTATĂ RATĂ+ DOBÂNDĂ TOTAL DE PLATĂ
5400 190 11400
6480 228 13680
8100 285 17100
9720 342 20520
10800 380 22800
13500 475 28500
16200 570 34200
18900 665 39900
21600 760 48000
24300 855 45600
27000 950 57000
32400 1140 68400
37800 1330 79800
43200 1520 91200
45900 1615 96900

Obs: Coloana (RATĂ+ DOBÂNDĂ) de mai sus este valabila pentru scadentarul cu rate egale lunare si consecutive.

Exemplu: Pentru un împrumut de 5400 de lei, cu rambursare în cinci ani, prin 60 rate lunare, egale si consecutive, cu o dobândă remuneratorie la sold de 34,522% anual, costul total al creditului va fi 6000 lei, adică: 190 lei pe luna * 60 luni – 5400 lei = 6000 lei. DAE = 40.54 %.

Simulator rate egale pentru un imprumut de 5400 lei

NR RATA  CAPITAL  DOBANDA  RATA  CAPITAL RAMAS
0 – – – 5,400.00
1  34.65 155.35 190.00 5,365.35
2  35.65 154.35 190.00 5,329.71
3  36.67 153.33 190.00 5,293.03
4  37.73 152.27 190.00 5,255.31
5  38.81 151.19 190.00 5,216.50
6  39.93 150.07 190.00 5,176.57
7  41.08 148.92 190.00 5,135.49
8  42.26 147.74 190.00 5,093.23
9  43.47 146.53 190.00 5,049.76
10  44.72 145.28 190.00 5,005.04
11  46.01 143.99 190.00 4,959.02
12  47.34 142.66 190.00 4,911.69
13  48.70 141.30 190.00 4,862.99
14  50.10 139.90 190.00 4,812.89
15  51.54 138.46 190.00 4,761.36
16  53.02 136.98 190.00 4,708.33
17  54.55 135.45 190.00 4,653.79
18  56.12 133.88 190.00 4,597.67
19  57.73 132.27 190.00 4,539.94
20  59.39 130.61 190.00 4,480.55
21  61.10 128.90 190.00 4,419.45
22  62.86 127.14 190.00 4,356.59
23  64.67 125.33 190.00 4,291.92
24  66.53 123.47 190.00 4,225.40
25  68.44 121.56 190.00 4,156.96
26  70.41 119.59 190.00 4,086.55
27  72.44 117.56 190.00 4,014.11
28  74.52 115.48 190.00 3,939.59
29  76.66 113.34 190.00 3,862.93
30  78.87 111.13 190.00 3,784.06
31  81.14 108.86 190.00 3,702.92
32  83.47 106.53 190.00 3,619.45
33  85.87 104.13 190.00 3,533.58
34  88.34 101.66 190.00 3,445.23
35  90.88 99.12 190.00 3,354.35
36  93.50 96.50 190.00 3,260.85
37  96.19 93.81 190.00 3,164.66
38  98.96 91.04 190.00 3,065.70
39 101.80 88.20 190.00 2,963.90
40 104.73 85.27 190.00 2,859.17
41 107.75 82.25 190.00 2,751.42
42 110.85 79.15 190.00 2,640.58
43 114.03 75.97 190.00 2,526.54
44 117.31 72.69 190.00 2,409.23
45 120.69 69.31 190.00 2,288.54
46 124.16 65.84 190.00 2,164.38
47 127.73 62.27 190.00 2,036.65
48 131.41 58.59 190.00 1,905.24
49 135.19 54.81 190.00 1,770.05
50 139.08 50.92 190.00 1,630.97
51 143.08 46.92 190.00 1,487.89
52 147.20 42.80 190.00 1,340.70
53 151.43 38.57 190.00 1,189.27
54 155.79 34.21 190.00 1,033.48
55 160.27 29.73 190.00 873.21
56 164.88 25.12 190.00 708.33
57 169.62 20.38 190.00 538.71
58 174.50 15.50 190.00 364.21
59 179.52 10.48 190.00 184.69
60 184.69 5.31 190.00  (0.00)
Total 5400 6000 11400

Scadentar cu rate descrescatoare pentru un imprumut de 5400 lei

NR RATA CAPITAL DOBANDA RATA CAPITAL RAMAS
0 – – – 5.400,00
1 90 155,35 245,35 5.310,00
2 90 152,76 242,76 5.220,00
3 90 150,17 240,17 5.130,00
4 90 147,58 237,58 5.040,00
5 90 144,99 234,99 4.950,00
6 90 142,40 232,40 4.860,00
7 90 139,81 229,81 4.770,00
8 90 137,22 227,22 4.680,00
9 90 134,64 224,64 4.590,00
10 90 132,05 222,05 4.500,00
11 90 129,46 219,46 4.410,00
12 90 126,87 216,87 4.320,00
13 90 124,28 214,28 4.230,00
14 90 121,69 211,69 4.140,00
15 90 119,10 209,10 4.050,00
16 90 116,51 206,51 3.960,00
17 90 113,92 203,92 3.870,00
18 90 111,33 201,33 3.780,00
19 90 108,74 198,74 3.690,00
20 90 106,16 196,16 3.600,00
21 90 103,57 193,57 3.510,00
22 90 100,98 190,98 3.420,00
23 90 98,39 188,39 3.330,00
24 90 95,80 185,80 3.240,00
25 90 93,21 183,21 3.150,00
26 90 90,62 180,62 3.060,00
27 90 88,03 178,03 2.970,00
28 90 85,44 175,44 2.880,00
29 90 82,85 172,85 2.790,00
30 90 80,26 170,26 2.700,00
31 90 77,67 167,67 2.610,00
32 90 75,09 165,09 2.520,00
33 90 72,50 162,50 2.430,00
34 90 69,91 159,91 2.340,00
35 90 67,32 157,32 2.250,00
36 90 64,73 154,73 2.160,00
37 90 62,14 152,14 2.070,00
38 90 59,55 149,55 1.980,00
39 90 56,96 146,96 1.890,00
40 90 54,37 144,37 1.800,00
41 90 51,78 141,78 1.710,00
42 90 49,19 139,19 1.620,00
43 90 46,60 136,60 1.530,00
44 90 44,02 134,02 1.440,00
45 90 41,43 131,43 1.350,00
46 90 38,84 128,84 1.260,00
47 90 36,25 126,25 1.170,00
48 90 33,66 123,66 1.080,00
49 90 31,07 121,07 990,00
50 90 28,48 118,48 900,00
51 90 25,89 115,89 810,00
52 90 23,30 113,30 720,00
53 90 20,71 110,71 630,00
54 90 18,12 108,12 540,00
55 90 15,53 105,53 450,00
56 90 12,95 102,95 360,00
57 90 10,36 100,36 270,00
58 90 7,77 97,77 180,00
59 90 5,18 95,18 90,00
60 90 2,59 92,59 –
Total 5400 4738 10138 –
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