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	45600
24300	855	51300
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	–