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Intrri (mprumut EURO)

Sum mprumutat []
Dobnd (DAE)
Durat mprumut [ani]

30,000

30,000
4.75%
30

Principal cumulat
Dobnd cumulat

25,000
20,000
15,000

Sumar
Rat lunar []
Sum total pltit
din care dobnd
Dobnd din total plat
Curs Euro
Rat lunar [RON]

156
56,338
26,338
46.7%
4.40 lei
689 lei

Lun

Rat

= Dobnd +

156.49

156.49

156.49

4
5

Principal

10,000
5,000
0

10

15

20

25

Ani

Sold

An

Dobnd
cumulat

Principal
cumulat

30,000.00
118.75

37.74

29,962.26

1,415.01

462.92

118.60

37.89

29,924.36

2,807.54

948.32

118.45

38.04

29,886.32

4,176.51

1,457.28

156.49

118.30

38.19

29,848.12

5,520.77

1,990.95

156.49

118.15

38.35

29,809.78

6,839.12

2,550.53

156.49

118.00

38.50

29,771.28

8,130.31

3,137.27

156.49

117.84

38.65

29,732.63

9,393.01

3,752.50

156.49

117.69

38.80

29,693.83

10,625.84

4,397.60

156.49

117.54

38.96

29,654.87

11,827.35

5,074.02

10

156.49

117.38

39.11

29,615.76

10

12,996.03

5,783.27

11

156.49

117.23

39.27

29,576.50

11

14,130.27

6,526.96

12

156.49

117.07

39.42

29,537.08

12

15,228.41

7,306.76

13

156.49

116.92

39.58

29,497.50

13

16,288.69

8,124.41

14

156.49

116.76

39.73

29,457.77

14

17,309.28

8,981.75

15

156.49

116.60

39.89

29,417.88

15

18,288.24

9,880.72

16

156.49

116.45

40.05

29,377.83

16

19,223.56

10,823.33

17

156.49

116.29

40.21

29,337.62

17

20,113.12

11,811.70

18

156.49

116.13

40.37

29,297.26

18

20,954.69

12,848.06

19

156.49

115.97

40.53

29,256.73

19

21,745.95

13,934.72

20

156.49

115.81

40.69

29,216.04

20

22,484.46

15,074.15

21

156.49

115.65

40.85

29,175.20

21

23,167.65

16,268.89

22

156.49

115.49

41.01

29,134.19

22

23,792.84

17,521.63

23

156.49

115.32

41.17

29,093.02

23

24,357.21

18,835.19

24

156.49

115.16

41.33

29,051.68

24

24,857.81

20,212.52

25

156.49

115.00

41.50

29,010.18

25

25,291.54

21,656.72

26

156.49

114.83

41.66

28,968.52

26

25,655.16

23,171.03

27

156.49

114.67

41.83

28,926.69

27

25,945.27

24,758.86

28

156.49

114.50

41.99

28,884.70

28

26,158.28

26,423.77

29

156.49

114.34

42.16

28,842.54

29

26,290.47

28,169.51

30

156.49

114.17

42.33

28,800.22

30

26,337.91

30,000.00

31

156.49

114.00

42.49

28,757.72

30

32

156.49

113.83

42.66

28,715.06

33

156.49

113.66

42.83

28,672.23

34

156.49

113.49

43.00

28,629.23

35

156.49

113.32

43.17

28,586.06

36

156.49

113.15

43.34

28,542.72

37

156.49

112.98

43.51

28,499.21

38

156.49

112.81

43.68

28,455.52

39

156.49

112.64

43.86

28,411.66

40

156.49

112.46

44.03

28,367.63

41

156.49

112.29

44.21

28,323.43

42

156.49

112.11

44.38

28,279.05

43

156.49

111.94

44.56

28,234.49

44

156.49

111.76

44.73

28,189.76

45

156.49

111.58

44.91

28,144.85

46

156.49

111.41

45.09

28,099.76

47

156.49

111.23

45.27

28,054.50

48

156.49

111.05

45.45

28,009.05

49

156.49

110.87

45.63

27,963.42

50

156.49

110.69

45.81

27,917.62

51

156.49

110.51

45.99

27,871.63

52

156.49

110.33

46.17

27,825.46

53

156.49

110.14

46.35

27,779.11

54

156.49

109.96

46.54

27,732.58

55

156.49

109.77

46.72

27,685.86

56

156.49

109.59

46.90

27,638.95

57

156.49

109.40

47.09

27,591.86

58

156.49

109.22

47.28

27,544.59

59

156.49

109.03

47.46

27,497.12

60

156.49

108.84

47.65

27,449.47

61

156.49

108.65

47.84

27,401.63

62

156.49

108.46

48.03

27,353.60

63

156.49

108.27

48.22

27,305.38

64

156.49

108.08

48.41

27,256.97

65

156.49

107.89

48.60

27,208.37

66

156.49

107.70

48.79

27,159.58

67

156.49

107.51

48.99

27,110.59

68

156.49

107.31

49.18

27,061.41

69

156.49

107.12

49.38

27,012.03

70

156.49

106.92

49.57

26,962.46

71

156.49

106.73

49.77

26,912.69

72

156.49

106.53

49.96

26,862.73

73

156.49

106.33

50.16

26,812.56

74

156.49

106.13

50.36

26,762.20

75

156.49

105.93

50.56

26,711.64

76

156.49

105.73

50.76

26,660.88

77

156.49

105.53

50.96

26,609.92

78

156.49

105.33

51.16

26,558.76

79

156.49

105.13

51.37

26,507.39

80

156.49

104.93

51.57

26,455.82

81

156.49

104.72

51.77

26,404.05

82

156.49

104.52

51.98

26,352.07

83

156.49

104.31

52.18

26,299.89

84

156.49

104.10

52.39

26,247.50

85

156.49

103.90

52.60

26,194.90

86

156.49

103.69

52.81

26,142.09

87

156.49

103.48

53.02

26,089.08

88

156.49

103.27

53.22

26,035.85

89

156.49

103.06

53.44

25,982.42

90

156.49

102.85

53.65

25,928.77

91

156.49

102.63

53.86

25,874.91

92

156.49

102.42

54.07

25,820.84

93

156.49

102.21

54.29

25,766.55

94

156.49

101.99

54.50

25,712.05

95

156.49

101.78

54.72

25,657.33

96

156.49

101.56

54.93

25,602.40

97

156.49

101.34

55.15

25,547.25

98

156.49

101.12

55.37

25,491.88

99

156.49

100.91

55.59

25,436.29

100

156.49

100.69

55.81

25,380.48

101

156.49

100.46

56.03

25,324.45

102

156.49

100.24

56.25

25,268.20

103

156.49

100.02

56.47

25,211.72

104

156.49

99.80

56.70

25,155.02

105

156.49

99.57

56.92

25,098.10

106

156.49

99.35

57.15

25,040.96

107

156.49

99.12

57.37

24,983.58

108

156.49

98.89

57.60

24,925.98

109

156.49

98.67

57.83

24,868.15

110

156.49

98.44

58.06

24,810.09

111

156.49

98.21

58.29

24,751.81

112

156.49

97.98

58.52

24,693.29

113

156.49

97.74

58.75

24,634.54

114

156.49

97.51

58.98

24,575.56

115

156.49

97.28

59.22

24,516.34

116

156.49

97.04

59.45

24,456.89

117

156.49

96.81

59.69

24,397.20

118

156.49

96.57

59.92

24,337.28

119

156.49

96.34

60.16

24,277.12

120

156.49

96.10

60.40

24,216.73

121

156.49

95.86

60.64

24,156.09

122

156.49

95.62

60.88

24,095.21

123

156.49

95.38

61.12

24,034.10

124

156.49

95.13

61.36

23,972.74

125

156.49

94.89

61.60

23,911.13

126

156.49

94.65

61.85

23,849.29

127

156.49

94.40

62.09

23,787.20

128

156.49

94.16

62.34

23,724.86

129

156.49

93.91

62.58

23,662.28

130

156.49

93.66

62.83

23,599.45

131

156.49

93.41

63.08

23,536.37

132

156.49

93.16

63.33

23,473.04

133

156.49

92.91

63.58

23,409.46

134

156.49

92.66

63.83

23,345.63

135

156.49

92.41

64.08

23,281.54

136

156.49

92.16

64.34

23,217.20

137

156.49

91.90

64.59

23,152.61

138

156.49

91.65

64.85

23,087.76

139

156.49

91.39

65.11

23,022.66

140

156.49

91.13

65.36

22,957.29

141

156.49

90.87

65.62

22,891.67

142

156.49

90.61

65.88

22,825.79

143

156.49

90.35

66.14

22,759.65

144

156.49

90.09

66.40

22,693.24

145

156.49

89.83

66.67

22,626.58

146

156.49

89.56

66.93

22,559.65

147

156.49

89.30

67.20

22,492.45

148

156.49

89.03

67.46

22,424.99

149

156.49

88.77

67.73

22,357.26

150

156.49

88.50

68.00

22,289.26

151

156.49

88.23

68.27

22,221.00

152

156.49

87.96

68.54

22,152.46

153

156.49

87.69

68.81

22,083.66

154

156.49

87.41

69.08

22,014.58

155

156.49

87.14

69.35

21,945.22

156

156.49

86.87

69.63

21,875.59

157

156.49

86.59

69.90

21,805.69

158

156.49

86.31

70.18

21,735.51

159

156.49

86.04

70.46

21,665.05

160

156.49

85.76

70.74

21,594.32

161

156.49

85.48

71.02

21,523.30

162

156.49

85.20

71.30

21,452.00

163

156.49

84.91

71.58

21,380.42

164

156.49

84.63

71.86

21,308.56

165

156.49

84.35

72.15

21,236.41

166

156.49

84.06

72.43

21,163.98

167

156.49

83.77

72.72

21,091.26

168

156.49

83.49

73.01

21,018.25

169

156.49

83.20

73.30

20,944.95

170

156.49

82.91

73.59

20,871.37

171

156.49

82.62

73.88

20,797.49

172

156.49

82.32

74.17

20,723.32

173

156.49

82.03

74.46

20,648.85

174

156.49

81.74

74.76

20,574.09

175

156.49

81.44

75.06

20,499.04

176

156.49

81.14

75.35

20,423.69

177

156.49

80.84

75.65

20,348.04

178

156.49

80.54

75.95

20,272.09

179

156.49

80.24

76.25

20,195.83

180

156.49

79.94

76.55

20,119.28

181

156.49

79.64

76.86

20,042.43

182

156.49

79.33

77.16

19,965.27

183

156.49

79.03

77.47

19,887.80

184

156.49

78.72

77.77

19,810.03

185

156.49

78.41

78.08

19,731.95

186

156.49

78.11

78.39

19,653.56

187

156.49

77.80

78.70

19,574.86

188

156.49

77.48

79.01

19,495.85

189

156.49

77.17

79.32

19,416.53

190

156.49

76.86

79.64

19,336.89

191

156.49

76.54

79.95

19,256.94

192

156.49

76.23

80.27

19,176.67

193

156.49

75.91

80.59

19,096.09

194

156.49

75.59

80.91

19,015.18

195

156.49

75.27

81.23

18,933.95

196

156.49

74.95

81.55

18,852.41

197

156.49

74.62

81.87

18,770.54

198

156.49

74.30

82.19

18,688.34

199

156.49

73.97

82.52

18,605.82

200

156.49

73.65

82.85

18,522.98

201

156.49

73.32

83.17

18,439.80

202

156.49

72.99

83.50

18,356.30

203

156.49

72.66

83.83

18,272.47

204

156.49

72.33

84.17

18,188.30

205

156.49

72.00

84.50

18,103.80

206

156.49

71.66

84.83

18,018.97

207

156.49

71.33

85.17

17,933.80

208

156.49

70.99

85.51

17,848.29

209

156.49

70.65

85.84

17,762.45

210

156.49

70.31

86.18

17,676.26

211

156.49

69.97

86.53

17,589.74

212

156.49

69.63

86.87

17,502.87

213

156.49

69.28

87.21

17,415.66

214

156.49

68.94

87.56

17,328.10

215

156.49

68.59

87.90

17,240.20

216

156.49

68.24

88.25

17,151.94

217

156.49

67.89

88.60

17,063.34

218

156.49

67.54

88.95

16,974.39

219

156.49

67.19

89.30

16,885.09

220

156.49

66.84

89.66

16,795.43

221

156.49

66.48

90.01

16,705.42

222

156.49

66.13

90.37

16,615.05

223

156.49

65.77

90.73

16,524.32

224

156.49

65.41

91.09

16,433.24

225

156.49

65.05

91.45

16,341.79

226

156.49

64.69

91.81

16,249.98

227

156.49

64.32

92.17

16,157.81

228

156.49

63.96

92.54

16,065.28

229

156.49

63.59

92.90

15,972.37

230

156.49

63.22

93.27

15,879.10

231

156.49

62.85

93.64

15,785.46

232

156.49

62.48

94.01

15,691.45

233

156.49

62.11

94.38

15,597.07

234

156.49

61.74

94.76

15,502.32

235

156.49

61.36

95.13

15,407.19

236

156.49

60.99

95.51

15,311.68

237

156.49

60.61

95.89

15,215.79

238

156.49

60.23

96.27

15,119.53

239

156.49

59.85

96.65

15,022.88

240

156.49

59.47

97.03

14,925.85

241

156.49

59.08

97.41

14,828.44

242

156.49

58.70

97.80

14,730.64

243

156.49

58.31

98.19

14,632.46

244

156.49

57.92

98.57

14,533.88

245

156.49

57.53

98.96

14,434.92

246

156.49

57.14

99.36

14,335.56

247

156.49

56.74

99.75

14,235.81

248

156.49

56.35

100.14

14,135.67

249

156.49

55.95

100.54

14,035.13

250

156.49

55.56

100.94

13,934.19

251

156.49

55.16

101.34

13,832.85

252

156.49

54.76

101.74

13,731.11

253

156.49

54.35

102.14

13,628.97

254

156.49

53.95

102.55

13,526.42

255

156.49

53.54

102.95

13,423.47

256

156.49

53.13

103.36

13,320.11

257

156.49

52.73

103.77

13,216.34

258

156.49

52.31

104.18

13,112.16

259

156.49

51.90

104.59

13,007.57

260

156.49

51.49

105.01

12,902.57

261

156.49

51.07

105.42

12,797.15

262

156.49

50.66

105.84

12,691.31

263

156.49

50.24

106.26

12,585.05

264

156.49

49.82

106.68

12,478.37

265

156.49

49.39

107.10

12,371.27

266

156.49

48.97

107.52

12,263.75

267

156.49

48.54

107.95

12,155.79

268

156.49

48.12

108.38

12,047.42

269

156.49

47.69

108.81

11,938.61

270

156.49

47.26

109.24

11,829.37

271

156.49

46.82

109.67

11,719.70

272

156.49

46.39

110.10

11,609.60

273

156.49

45.95

110.54

11,499.06

274

156.49

45.52

110.98

11,388.08

275

156.49

45.08

111.42

11,276.67

276

156.49

44.64

111.86

11,164.81

277

156.49

44.19

112.30

11,052.51

278

156.49

43.75

112.74

10,939.77

279

156.49

43.30

113.19

10,826.57

280

156.49

42.86

113.64

10,712.94

281

156.49

42.41

114.09

10,598.85

282

156.49

41.95

114.54

10,484.31

283

156.49

41.50

114.99

10,369.31

284

156.49

41.05

115.45

10,253.86

285

156.49

40.59

115.91

10,137.96

286

156.49

40.13

116.36

10,021.59

287

156.49

39.67

116.83

9,904.77

288

156.49

39.21

117.29

9,787.48

289

156.49

38.74

117.75

9,669.73

290

156.49

38.28

118.22

9,551.51

291

156.49

37.81

118.69

9,432.82

292

156.49

37.34

119.16

9,313.67

293

156.49

36.87

119.63

9,194.04

294

156.49

36.39

120.10

9,073.94

295

156.49

35.92

120.58

8,953.36

296

156.49

35.44

121.05

8,832.31

297

156.49

34.96

121.53

8,710.77

298

156.49

34.48

122.01

8,588.76

299

156.49

34.00

122.50

8,466.26

300

156.49

33.51

122.98

8,343.28

301

156.49

33.03

123.47

8,219.81

302

156.49

32.54

123.96

8,095.86

303

156.49

32.05

124.45

7,971.41

304

156.49

31.55

124.94

7,846.47

305

156.49

31.06

125.44

7,721.03

306

156.49

30.56

125.93

7,595.10

307

156.49

30.06

126.43

7,468.67

308

156.49

29.56

126.93

7,341.74

309

156.49

29.06

127.43

7,214.31

310

156.49

28.56

127.94

7,086.37

311

156.49

28.05

128.44

6,957.92

312

156.49

27.54

128.95

6,828.97

313

156.49

27.03

129.46

6,699.51

314

156.49

26.52

129.98

6,569.53

315

156.49

26.00

130.49

6,439.04

316

156.49

25.49

131.01

6,308.04

317

156.49

24.97

131.52

6,176.51

318

156.49

24.45

132.05

6,044.47

319

156.49

23.93

132.57

5,911.90

320

156.49

23.40

133.09

5,778.81

321

156.49

22.87

133.62

5,645.19

322

156.49

22.35

134.15

5,511.04

323

156.49

21.81

134.68

5,376.36

324

156.49

21.28

135.21

5,241.14

325

156.49

20.75

135.75

5,105.40

326

156.49

20.21

136.29

4,969.11

327

156.49

19.67

136.82

4,832.29

328

156.49

19.13

137.37

4,694.92

329

156.49

18.58

137.91

4,557.01

330

156.49

18.04

138.46

4,418.55

331

156.49

17.49

139.00

4,279.55

332

156.49

16.94

139.55

4,140.00

333

156.49

16.39

140.11

3,999.89

334

156.49

15.83

140.66

3,859.23

335

156.49

15.28

141.22

3,718.01

336

156.49

14.72

141.78

3,576.23

337

156.49

14.16

142.34

3,433.89

338

156.49

13.59

142.90

3,290.99

339

156.49

13.03

143.47

3,147.53

340

156.49

12.46

144.04

3,003.49

341

156.49

11.89

144.61

2,858.88

342

156.49

11.32

145.18

2,713.71

343

156.49

10.74

145.75

2,567.95

344

156.49

10.16

146.33

2,421.62

345

156.49

9.59

146.91

2,274.72

346

156.49

9.00

147.49

2,127.23

347

156.49

8.42

148.07

1,979.15

348

156.49

7.83

148.66

1,830.49

349

156.49

7.25

149.25

1,681.24

350

156.49

6.65

149.84

1,531.40

351

156.49

6.06

150.43

1,380.97

352

156.49

5.47

151.03

1,229.94

353

156.49

4.87

151.63

1,078.32

354

156.49

4.27

152.23

926.09

355

156.49

3.67

152.83

773.26

356

156.49

3.06

153.43

619.83

357

156.49

2.45

154.04

465.79

358

156.49

1.84

154.65

311.14

359

156.49

1.23

155.26

155.88

360

156.49

0.62

155.88

0.00

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!

30

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.

35

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).

Sold
30,000.00
29,537.08
29,051.68

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.

28,542.72
28,009.05
27,449.47
26,862.73
26,247.50

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.

25,602.40
24,925.98
24,216.73
23,473.04

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.

22,693.24
21,875.59
21,018.25
20,119.28
19,176.67
18,188.30
17,151.94
16,065.28
14,925.85
13,731.11

Dicionar:
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.

12,478.37
11,164.81
9,787.48
8,343.28
6,828.97
5,241.14
3,576.23
1,830.49
0.00

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.

n cazul n care calculele nu sunt afiate corect, e

posibil sa trebuiasc schimbate un pic setrile Excel:


tot ce trebuie s facei este s activai add-on-ul numit "Analysis ToolPak" dup care s introducei date noi
in cmpurile denumite "Intrri" pentru ca Excel s actualizeze calculele.
Dobnda se completeaz folosind punctul, nu virgula !