PRODUSE DE CREDITARE
Toate sumele sunt in lei.

Credit 60 luni

DAE= 40.54%

SUMĂ ÎMPRUMUTATĂ	RATĂ+ DOBÂNDĂ	TOTAL DE PLATĂ
5400	180	10800
6480	216	12960
8100	270	16200
9720	324	19440
10800	360	21600
13500	450	27000
16200	540	32400
18900	630	37800
21600	720	43200
24300	810	48600

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 31,58% anual, costul total al creditului va fi 6000 lei, adică: 180 lei pe luna * 60 luni – 5400 lei = 5400 lei. DAE = 36,57 %.

Simulator rate egale pentru un imprumut de 5400 lei (in curs de actualizare)

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 (in curs de actualizare)

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	–