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 | |||
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 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) |
