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MAO 5.12(6.12 01 ) Serielån & Aritm. rekke

MAO 5.12(6.12 01 ) Serielån & Aritm. rekke. Lån 120.000 kr over 8 år dvs. 16 terminer 8% rente p.a dvs. terminrente= 4% etab.gebyr 500 kr termingebyr 20kr. Avdrag =Lån/(terminer ialt) =120’/16= 7.500 kr. Rente 1 = Lån*terminrente=120’*0,04= 4.800 kr.

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MAO 5.12(6.12 01 ) Serielån & Aritm. rekke

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  1. MAO 5.12(6.1201) Serielån & Aritm. rekke Lån 120.000 kr over 8 år dvs. 16 terminer 8% rente p.a dvs. terminrente= 4%etab.gebyr 500 kr termingebyr 20kr Avdrag =Lån/(terminer ialt) =120’/16= 7.500 kr Rente 1 = Lån*terminrente=120’*0,04= 4.800 kr Terminbeløp 1 = Avdrag + Rente 1= 12.300 kr d= -terminrente*Avdrag = -0,04*7500 = -300 kr an =a1+(n-1)*d ==> a16 =12.300+(16-1)*(-300) = 7.800 Sn= 0,5*(a1+an)*n =0,5*(12.300+7.800)*16 = 160.800 Gebyrer 500 + 20 *16 = 820 kr ==> betaler ialt 161.620 Forøvrig opplyses om at den eneste entydige måten å beregne hva et lån koster på, er å beregne den effektive rente p.a. vha internrentemetoden

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