Home  Journals  Finance and Credit  22(502) - 2012 June

Analysis of credit conditions and early repayment of credit

Available online: 8 June 2012

Subject Heading: CREDIT MANAGEMENT

JEL Classification: 

In the article the analysis of conditions of commercial (commodity) and bank crediting is carried out, various methods of repayment of a duty are considered. The method of dealer and the actuary method differentiated and annuitant methods, various options of consumer crediting are compared. The special attention is given to calculation of the effective rate representing the price of the credit, at early repayment of a duty.

Keywords: commercial credit, actuary method, merchant rule, differential method, annuity method, effective rate, rent, internal rate of return IRR, net present value NPV

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ISSN 2311-8709 (Online)
ISSN 2071-4688 (Print)

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