Aplicación Android en Google Play
Esta aplicación tiene las funciones de cálculo de financiación en las modalidades SAC y PRICE.
El la modalidad PRICE, el calcula un pago de financiación en cuotas iguales.
Este es el modo para la mayoría de los préstamos personales, préstamos para automóviles, electrodomésticos y algunos tipos de financiación inmobiliaria.
El modo de SAC (Sistema de Amortización Constante), calcula la financiación de "Amortización" constante, pero con pagos variables, el longo de la época. Esto significa que cada mes, el saldo pendiente se amortiza en un valor constante. Esto requiere que usted pague intereses por el período sobre el saldo pendiente, más una cantidad fija de amortización, lo que resulta en la disminución de beneficios para el logo del periodo de financiación.
Así que cuando usted selecciona SAC, se muestra el valor inicial y final de los beneficios, haciendo clic en Detalles, verá el valor de las parcelas uno por uno.
Cantidad es el importe a financiar (sin incluir el valor de entrada en su caso).
Porcentaje de tipos de interés, mensual o anual.
Por ejemplo, un préstamo personal con una tasa de interés mensual del 1%, o un préstamo para comprar la propiedad a un ritmo de 10% anual.
Luego haga clic en el tipo de financiación que desee y obtener un informe detallado de las sumas pagadas.
Tenga en mente que, sin importar la modalidad de financiacion, tendrá que pagar cuotas asta el cero del importe financiado. Por lo general, el modo de SAC lleva a un valor nominal de interés más baja, porque las cuatas son más altas al principio. O sea, que se paga más rápido (más desembolsa antes) y por lo tanto paga menos intereses. En la modalidad PRICE terminan pagando un interés nominal más alto porque los beneficios son todos iguales, es decir, se toma más tiempo para pagar, por lo cuanto se pagan más intereses. Pero el compromiso de la renta es más baja, por lo que el precio de la modalidad, se puede tener una mayor cantidad financiada aprobado, que en la modalidad SAC.
La funcionalidad de "Verificar la tasa de financiación" se puede comprobar si la tarifa contratada con el financiero es que en realidad se está pagando.
Introduzca el valor del producto o la financiación, el valor de entrada si hubiere, el valor de las cuotas mensuales y el número de cuotas.
Haga clic en "Calcular" para ver el resultado de la tasa de interés mensual y anual que se paga.
Las críticas y sugerencias son bienvenidos.
Saludos,
Flávio Amoedo
segunda-feira, 19 de agosto de 2013
Financial Calculator
This application has the functions of calculation of financing on modalities SAC and PRICE.
The modality PRICE, calculates a financing payment with equal installments.
This is the mode for the majority of personal loans, auto loans, home appliance and some types of real estate financing.
The SAC mode (Constant Amortization System), calculates funding to "Amortization" constant, but with variable payments, for long of period. This means that every month, your outstanding balance is amortized on a constant value. This requires that you pay interest for the period on the outstanding balance, plus a fixed amount of depreciation, which results in diminishing benefits to the logo of the period of the financing.
So when you select SAC, is shown the initial and final value of the payments, by clicking DETAILS you will see the performance values one by one.
AMOUNT is the amount to be financed (not including the input value if any).
RATE is the interest rate percentage, monthly or yearly.
For example, a personal loan with monthly interest rate of 1%, or a loan to purchase property at a rate of 10% annually.
Then click on the type of funding you want and get a detailed report of the amounts paid.
Remember that, regardless of the modality, you will pay installments to zero the amount financed. Usually the SAC mode leads to a nominal value with lower interest because the installments are higher at the beginning. In other words you pay faster (more disburses earlier) and therefore pay less interest. On the modality price you end up paying higher nominal interest because the installments are all equal, you take longer to pay, so pay more interest. But the commitment of income is lower, so on the modality price, you can have a greater amount financed approved, than the modality sac.
Functionality of "Check Rate Financing" you can check if the contracted rate with the financial is that you are actually paying.
Enter the value of the product or funding, the input value is given, the value of the monthly installments, and the number of installments.
Click "Calculate" to view the result with the monthly interest rate and annual you are paying.
Criticisms and suggestions are welcome.
Hugs,
Flávio Amoedo
The modality PRICE, calculates a financing payment with equal installments.
This is the mode for the majority of personal loans, auto loans, home appliance and some types of real estate financing.
The SAC mode (Constant Amortization System), calculates funding to "Amortization" constant, but with variable payments, for long of period. This means that every month, your outstanding balance is amortized on a constant value. This requires that you pay interest for the period on the outstanding balance, plus a fixed amount of depreciation, which results in diminishing benefits to the logo of the period of the financing.
So when you select SAC, is shown the initial and final value of the payments, by clicking DETAILS you will see the performance values one by one.
AMOUNT is the amount to be financed (not including the input value if any).
RATE is the interest rate percentage, monthly or yearly.
For example, a personal loan with monthly interest rate of 1%, or a loan to purchase property at a rate of 10% annually.
Then click on the type of funding you want and get a detailed report of the amounts paid.
Remember that, regardless of the modality, you will pay installments to zero the amount financed. Usually the SAC mode leads to a nominal value with lower interest because the installments are higher at the beginning. In other words you pay faster (more disburses earlier) and therefore pay less interest. On the modality price you end up paying higher nominal interest because the installments are all equal, you take longer to pay, so pay more interest. But the commitment of income is lower, so on the modality price, you can have a greater amount financed approved, than the modality sac.
Functionality of "Check Rate Financing" you can check if the contracted rate with the financial is that you are actually paying.
Enter the value of the product or funding, the input value is given, the value of the monthly installments, and the number of installments.
Click "Calculate" to view the result with the monthly interest rate and annual you are paying.
Criticisms and suggestions are welcome.
Hugs,
Flávio Amoedo
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