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Evalueaza suma totala returnata bancii.copiright www.basmeimobiliare.ro

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Excel Amortization Formulas

amortizare rate egaleIntrri (mprumut EURO)Sum mprumutat []30,000 Note:

1) Scadenarul de fa se folosete pentru credite n euro. Dac se dorete a se face un calcul pentru un credit n lei, se introduce dobnda corespunztoare, suma mprumutat (n lei), se ignor cmpul "Rat lunar [RON]" i se citete doar cmpul "Rat lunar []". Simplu!

2) Calculatorul se poate folosi i pentru simulri mai interesante (de exemplu: ct voi plti n total bncii dac dup x ani dobnda crete sau scade ?)Exemplu de calcul:a) Se pornete creditul n EUR (30.000) pe o perioad de 30 de ani, cu o dobnd de 4,75% pe an (rat de 156,5), suma total de plat: 56.338.

b) Dup cei 2 ani, suma ce se mai datoreaza bncii este soldul corespunztor anului 2, adic 29.051 (s-au returnat pn n acel moment 948 din cei 30.000 plus dobnzi n valoare de 2807).

c) Se consider c dobnda va crete la 5,75% dup 2 ani. Practic, dac dobnda se modific, se consider c se ncepe un nou credit, n care soldul curent este noua sum de mprumutat (29.051), perioada de creditare este de (30-2) ani, iar dobnda este cea nou modificat.

d) Noua rat este de 174, suma pltit bncii n cei 28 de ani rmai este de 58.513. n total se va plti n cei 30 de ani suma de 58.513+949+2.807=62.233 (fa de 56.338 ct s-ar fi pltit dac dobnda nu se modifica). e) Raionamentul de mai sus poate fi folosit pentru orice modificare ulterioar a dobnzii.

3) Dobnda pentru un mprumut Prima Cas (n euro) este aproximativ 4,75% pe an, iar cea pentru un mprumut similar n lei e n jur de 8,5% pe an. A nu se uita de comisionul anual de 0,49% din jumtatea soldului creditului, pltit ctre Fondul Naional de Garantare, care se pltete pe lng rate, o dat pe an.Dobnd (DAE)4.75%Durat mprumut [ani]30SumarRat lunar []156 Luni de plat360Sum total pltit56,338 din care dobnd26,338 Dobnd din total plat46.7%Curs Euro4.40 leiRat lunar [RON]689 leiLunRat=Dobnd+PrincipalSoldAnDobnd cumulatPrincipal cumulatSold30,000.00 30,000.00 1156.49=118.75+37.7429,962.2611,415.01462.9229,537.082156.49118.6037.8929,924.3622,807.54948.3229,051.683156.49118.4538.0429,886.3234,176.511,457.2828,542.724156.49118.3038.1929,848.1245,520.771,990.9528,009.055156.49118.1538.3529,809.7856,839.122,550.5327,449.476156.49118.0038.5029,771.2868,130.313,137.2726,862.737156.49117.8438.6529,732.6379,393.013,752.5026,247.508156.49117.6938.8029,693.83810,625.844,397.6025,602.409156.49117.5438.9629,654.87911,827.355,074.0224,925.9810156.49117.3839.1129,615.761012,996.035,783.2724,216.7311156.49117.2339.2729,576.501114,130.276,526.9623,473.0412156.49117.0739.4229,537.081215,228.417,306.7622,693.2413156.49116.9239.5829,497.501316,288.698,124.4121,875.5914156.49116.7639.7329,457.771417,309.288,981.7521,018.2515156.49116.6039.8929,417.881518,288.249,880.7220,119.2816156.49116.4540.0529,377.831619,223.5610,823.3319,176.6717156.49116.2940.2129,337.621720,113.1211,811.7018,188.3018156.49116.1340.3729,297.261820,954.6912,848.0617,151.94Dicionar:

Principal: parte din rata lunar, prin care se diminueaz datoria clientului fa de banc. Cu fiecare rat lunar achitat, soldul creditului se diminueaz cu valoarea principalului, pn cnd n final se ramburseaz ntregul credit.

Sold: suma care mai este datorat, la un moment dat, n cazul unui mprumut (soldul nu include dobnzile !).

DAE (Dobnd anual efectiv): include toate costurile pe care le implic un credit: dobnda anual, costul asigurrii, comision de analiz dosar, taxele de administrare.19156.49115.9740.5329,256.731921,745.9513,934.7216,065.2820156.49115.8140.6929,216.042022,484.4615,074.1514,925.8521156.49115.6540.8529,175.202123,167.6516,268.8913,731.1122156.49115.4941.0129,134.192223,792.8417,521.6312,478.3723156.49115.3241.1729,093.022324,357.2118,835.1911,164.8124156.49115.1641.3329,051.682424,857.8120,212.529,787.4825156.49115.0041.5029,010.182525,291.5421,656.728,343.2826156.49114.8341.6628,968.522625,655.1623,171.036,828.9727156.49114.6741.8328,926.692725,945.2724,758.865,241.1428156.49114.5041.9928,884.702826,158.2826,423.773,576.2329156.49114.3442.1628,842.542926,290.4728,169.511,830.4930156.49114.1742.3328,800.223026,337.9130,000.000.0031156.49114.0042.4928,757.7232156.49113.8342.6628,715.0633156.49113.6642.8328,672.2334156.49113.4943.0028,629.2335156.49113.3243.1728,586.0636156.49113.1543.3428,542.7237156.49112.9843.5128,499.2138156.49112.8143.6828,455.5239156.49112.6443.8628,411.6640156.49112.4644.0328,367.6341156.49112.2944.2128,323.4342156.49112.1144.3828,279.0543156.49111.9444.5628,234.4944156.49111.7644.7328,189.7645156.49111.5844.9128,144.8546156.49111.4145.0928,099.7647156.49111.2345.2728,054.5048156.49111.0545.4528,009.0549156.49110.8745.6327,963.4250156.49110.6945.8127,917.6251156.49110.5145.9927,871.6352156.49110.3346.1727,825.4653156.49110.1446.3527,779.1154156.49109.9646.5427,732.5855156.49109.7746.7227,685.8656156.49109.5946.9027,638.9557156.49109.4047.0927,591.8658156.49109.2247.2827,544.5959156.49109.0347.4627,497.1260156.49108.8447.6527,449.4761156.49108.6547.8427,401.6362156.49108.4648.0327,353.6063156.49108.2748.2227,305.3864156.49108.0848.4127,256.9765156.49107.8948.6027,208.3766156.49107.7048.7927,159.5867156.49107.5148.9927,110.5968156.49107.3149.1827,061.4169156.49107.1249.3827,012.0370156.49106.9249.5726,962.4671156.49106.7349.7726,912.6972156.49106.5349.9626,862.7373156.49106.3350.1626,812.5674156.49106.1350.3626,762.2075156.49105.9350.5626,711.6476156.49105.7350.7626,660.8877156.49105.5350.9626,609.9278156.49105.3351.1626,558.7679156.49105.1351.3726,507.3980156.49104.9351.5726,455.8281156.49104.7251.7726,404.0582156.49104.5251.9826,352.0783156.49104.3152.1826,299.8984156.49104.1052.3926,247.5085156.49103.9052.6026,194.9086156.49103.6952.8126,142.0987156.49103.4853.0226,089.0888156.49103.2753.2226,035.8589156.49103.0653.4425,982.4290156.49102.8553.6525,928.7791156.49102.6353.8625,874.9192156.49102.4254.0725,820.8493156.49102.2154.2925,766.5594156.49101.9954.5025,712.0595156.49101.7854.7225,657.3396156.49101.5654.9325,602.4097156.49101.3455.1525,547.2598156.49101.1255.3725,491.8899156.49100.9155.5925,436.29100156.49100.6955.8125,380.48101156.49100.4656.0325,324.45102156.49100.2456.2525,268.20103156.49100.0256.4725,211.72104156.4999.8056.7025,155.02105156.4999.5756.9225,098.10106156.4999.3557.1525,040.96107156.4999.1257.3724,983.58108156.4998.8957.6024,925.98109156.4998.6757.8324,868.15110156.4998.4458.0624,810.09111156.4998.2158.2924,751.81112156.4997.9858.5224,693.29113156.4997.7458.7524,634.54114156.4997.5158.9824,575.56115156.4997.2859.2224,516.34116156.4997.0459.4524,456.89117156.4996.8159.6924,397.20118156.4996.5759.9224,337.28119156.4996.3460.1624,277.12120156.4996.1060.4024,216.73121156.4995.8660.6424,156.09122156.4995.6260.8824,095.21123156.4995.3861.1224,034.10124156.4995.1361.3623,972.74125156.4994.8961.6023,911.13126156.4994.6561.8523,849.29127156.4994.4062.0923,787.20128156.4994.1662.3423,724.86129156.4993.9162.5823,662.28130156.4993.6662.8323,599.45131156.4993.4163.0823,536.37132156.4993.1663.3323,473.04133156.4992.9163.5823,409.46134156.4992.6663.8323,345.63135156.4992.4164.0823,281.54136156.4992.1664.3423,217.20137156.4991.9064.5923,152.61138156.4991.6564.8523,087.76139156.4991.3965.1123,022.66140156.4991.1365.3622,957.29141156.4990.8765.6222,891.67142156.4990.6165.8822,825.79143156.4990.3566.1422,759.65144156.4990.0966.4022,693.24145156.4989.8366.6722,626.58146156.4989.5666.9322,559.65147156.4989.3067.2022,492.45148156.4989.0367.4622,424.99149156.4988.7767.7322,357.26150156.4988.5068.0022,289.26151156.4988.2368.2722,221.00152156.4987.9668.5422,152.46153156.4987.6968.8122,083.66154156.4987.4169.0822,014.58155156.4987.1469.3521,945.22156156.4986.8769.6321,875.59157156.4986.5969.9021,805.69158156.4986.3170.1821,735.51159156.4986.0470.4621,665.05160156.4985.7670.7421,594.32161156.4985.4871.0221,523.30162156.4985.2071.3021,452.00163156.4984.9171.5821,380.42164156.4984.6371.8621,308.56165156.4984.3572.1521,236.41166156.4984.0672.4321,163.98167156.4983.7772.7221,091.26168156.4983.4973.0121,018.25169156.4983.2073.3020,944.95170156.4982.9173.5920,871.37171156.4982.6273.8820,797.49172156.4982.3274.1720,723.32173156.4982.0374.4620,648.85174156.4981.7474.7620,574.09175156.4981.4475.0620,499.04176156.4981.1475.3520,423.69177156.4980.8475.6520,348.04178156.4980.5475.9520,272.09179156.4980.2476.2520,195.83180156.4979.9476.5520,119.28181156.4979.6476.8620,042.43182156.4979.3377.1619,965.27183156.4979.0377.4719,887.80184156.4978.7277.7719,810.03185156.4978.4178.0819,731.95186156.4978.1178.3919,653.56187156.4977.8078.7019,574.86188156.4977.4879.0119,495.85189156.4977.1779.3219,416.53190156.4976.8679.6419,336.89191156.4976.5479.9519,256.94192156.4976.2380.2719,176.67193156.4975.9180.5919,096.09194156.4975.5980.9119,015.18195156.4975.2781.2318,933.95196156.4974.9581.5518,852.41197156.4974.6281.8718,770.54198156.4974.3082.1918,688.34199156.4973.9782.5218,605.82200156.4973.6582.8518,522.98201156.4973.3283.1718,439.80202156.4972.9983.5018,356.30203156.4972.6683.8318,272.47204156.4972.3384.1718,188.30205156.4972.0084.5018,103.80206156.4971.6684.8318,018.97207156.4971.3385.1717,933.80208156.4970.9985.5117,848.29209156.4970.6585.8417,762.45210156.4970.3186.1817,676.26211156.4969.9786.5317,589.74212156.4969.6386.8717,502.87213156.4969.2887.2117,415.66214156.4968.9487.5617,328.10215156.4968.5987.9017,240.20216156.4968.2488.2517,151.94217156.4967.8988.6017,063.34218156.4967.5488.9516,974.39219156.4967.1989.3016,885.09220156.4966.8489.6616,795.43221156.4966.4890.0116,705.42222156.4966.1390.3716,615.05223156.4965.7790.7316,524.32224156.4965.4191.0916,433.24225156.4965.0591.4516,341.79226156.4964.6991.8116,249.98227156.4964.3292.1716,157.81228156.4963.9692.5416,065.28229156.4963.5992.9015,972.37230156.4963.2293.2715,879.10231156.4962.8593.6415,785.46232156.4962.4894.0115,691.45233156.4962.1194.3815,597.07234156.4961.7494.7615,502.32235156.4961.3695.1315,407.19236156.4960.9995.5115,311.68237156.4960.6195.8915,215.79238156.4960.2396.2715,1