Notițe Monedă și credit

Definirea monedei ca parte a structurii masei monetare : Mijloc de cumparare=circula intai marfa, apoi banii

SEMINAR 9

Dobanda simpla: Db = (C*P*T)/(360*100)

Dobanda compusa: Db = C{((1+i)^n)-1} se aplica la credite pe termen > 1 an, atunci cand rambursarea creditului si plata dobanzii se fac intergral la scadenta finala. Perioada de capitalizare la credite este de strict 1 an !

S(suma)=C(1+i)^n

Problema 1:

C=45000

T= 5 ani 6 luni

i=12%

S5=45000{(1+0,12)^5}=79305,37 lei

Db= (79305,37*12*6)/(100*12)=4758,3 lei

St=S5+Db=79305,37+4758,3=84063,67 lei

Db=84063,67-45000=39063,67 lei

Ipoteca (alternativa e gajul=garantare cu bunuri mobile) e forma de garantare cu bunuri imobile. Imobilul devine ipotecar. Destinatia e achizitia unui imobil.

Problema 2:

C=20000

T=5 L

P= 10%

D1=(20000*30*10)/(360*100)=166,66 RON

CheltuieliFinanciare1= D1+Am=166,66+(20000:5)=4166,66 RON

D2={(C-A)*Zile*P}/(360*100)=(16000*30*10)/(360*100)= 4=133,33 RON

CF2=D2+Am=4133,33 RON

D3=(12000*30*10)/(360*100)=100

CF3=4100 RON

D4=8000*10*10/360*100=66,66 RON

CF4=4066,66 RON

D5=4000*10*30/360*100= 33,33 RON

CF5=4033,33 RON

Problema 3:

C=6000

T=4 L

P= 9,5%

Am=6000/4=1500 RON

1. Db1L=(6000*9,5*25)/36000+(4500*9,5*5)/3600)=45,51 RON

CF1=1500+45,51=1545,51 RON

2. Db2L=(4500*9,5*25)/36000+(3000*9,5*5)/36000=33,63 RON

CF2=1533,63 RON

3. Db3L=(3000*9,5*25)/36000+(1500*9,5*5)/36000=21,76 RON

CF3= 1521,76 RON

4. Db4L=(1500*9,5*25)36000=9,89 RON

CF4=1509,89 RON