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Intrri (mprumut EURO)

12
Principal cumulat
Sum mprumutat [] 50,000 10 Dobnd cumulat
Dobnd (DAE) 4.75%
Durat mprumut [ani] 30 8

6
Sumar
Rat lunar [] 261
4
Sum total pltit 93,897
din care dobnd 43,897 2
Dobnd din total plat 46.7%
Curs Euro 4.40 lei 0
Rat lunar [RON] 1,148 lei 0 2 4 6 Ani 8 10 12

Dobnd Principal
Lun Rat = Dobnd + Principal Sold An
cumulat cumulat
50,000.00
1 260.82 = 197.92 + 62.91 49,937.09 1 2,358.35 771.54
2 260.82 197.67 63.16 49,873.94 2 4,679.24 1,580.53
3 260.82 197.42 63.41 49,810.53 3 6,960.85 2,428.80
4 260.82 197.17 63.66 49,746.87 4 9,201.29 3,318.25
5 260.82 196.91 63.91 49,682.97 5 11,398.54 4,250.88
6 260.82 196.66 64.16 49,618.80 6 13,550.51 5,228.79
7 260.82 196.41 64.42 49,554.39 7 15,655.01 6,254.17
8 260.82 196.15 64.67 49,489.72 8 17,709.73 7,329.34
9 260.82 195.90 64.93 49,424.79 9 19,712.26 8,456.70
10 260.82 195.64 65.18 49,359.61 10 21,660.05 9,638.79
11 260.82 195.38 65.44 49,294.16 11 23,550.45 10,878.27
12 260.82 195.12 65.70 49,228.46 12 25,380.68 12,177.93
13 260.82 194.86 65.96 49,162.50 13 27,147.82 13,540.68
14 260.82 194.60 66.22 49,096.28 14 28,848.79 14,969.58
15 260.82 194.34 66.48 49,029.80 15 30,480.40 16,467.86
16 260.82 194.08 66.75 48,963.05 16 32,039.26 18,038.88
17 260.82 193.81 67.01 48,896.04 17 33,521.86 19,686.17
18 260.82 193.55 67.28 48,828.76 18 34,924.49 21,413.43
19 260.82 193.28 67.54 48,761.22 19 36,243.26 23,224.54
20 260.82 193.01 67.81 48,693.41 20 37,474.10 25,123.58
21 260.82 192.74 68.08 48,625.33 21 38,612.75 27,114.81
22 260.82 192.48 68.35 48,556.98 22 39,654.73 29,202.72
23 260.82 192.20 68.62 48,488.36 23 40,595.35 31,391.98
24 260.82 191.93 68.89 48,419.47 24 41,429.68 33,687.53
25 260.82 191.66 69.16 48,350.31 25 42,152.57 36,094.53
26 260.82 191.39 69.44 48,280.87 26 42,758.60 38,618.38
27 260.82 191.11 69.71 48,211.16 27 43,242.11 41,264.76
28 260.82 190.84 69.99 48,141.17 28 43,597.14 44,039.61
29 260.82 190.56 70.26 48,070.90 29 43,817.46 46,949.18
30 260.82 190.28 70.54 48,000.36 30 43,896.52 50,000.00
31 260.82 190.00 70.82 47,929.54
32 260.82 189.72 71.10 47,858.44
33 260.82 189.44 71.38 47,787.05
34 260.82 189.16 71.67 47,715.39
35 260.82 188.87 71.95 47,643.44
36 260.82 188.59 72.24 47,571.20
37 260.82 188.30 72.52 47,498.68
38 260.82 188.02 72.81 47,425.87
39 260.82 187.73 73.10 47,352.77
40 260.82 187.44 73.39 47,279.39
41 260.82 187.15 73.68 47,205.71
42 260.82 186.86 73.97 47,131.75
43 260.82 186.56 74.26 47,057.49
44 260.82 186.27 74.55 46,982.93
45 260.82 185.97 74.85 46,908.08
46 260.82 185.68 75.15 46,832.94
47 260.82 185.38 75.44 46,757.49
48 260.82 185.08 75.74 46,681.75
49 260.82 184.78 76.04 46,605.71
50 260.82 184.48 76.34 46,529.37
51 260.82 184.18 76.64 46,452.72
52 260.82 183.88 76.95 46,375.77
53 260.82 183.57 77.25 46,298.52
54 260.82 183.26 77.56 46,220.96
55 260.82 182.96 77.87 46,143.09
56 260.82 182.65 78.17 46,064.92
57 260.82 182.34 78.48 45,986.44
58 260.82 182.03 78.79 45,907.64
59 260.82 181.72 79.11 45,828.54
60 260.82 181.40 79.42 45,749.12
61 260.82 181.09 79.73 45,669.39
62 260.82 180.77 80.05 45,589.34
63 260.82 180.46 80.37 45,508.97
64 260.82 180.14 80.68 45,428.29
65 260.82 179.82 81.00 45,347.28
66 260.82 179.50 81.32 45,265.96
67 260.82 179.18 81.65 45,184.31
68 260.82 178.85 81.97 45,102.34
69 260.82 178.53 82.29 45,020.05
70 260.82 178.20 82.62 44,937.43
71 260.82 177.88 82.95 44,854.48
72 260.82 177.55 83.27 44,771.21
73 260.82 177.22 83.60 44,687.61
74 260.82 176.89 83.94 44,603.67
75 260.82 176.56 84.27 44,519.40
76 260.82 176.22 84.60 44,434.80
77 260.82 175.89 84.94 44,349.87
78 260.82 175.55 85.27 44,264.59
79 260.82 175.21 85.61 44,178.98
80 260.82 174.88 85.95 44,093.04
81 260.82 174.53 86.29 44,006.75
82 260.82 174.19 86.63 43,920.12
83 260.82 173.85 86.97 43,833.14
84 260.82 173.51 87.32 43,745.83
85 260.82 173.16 87.66 43,658.16
86 260.82 172.81 88.01 43,570.15
87 260.82 172.47 88.36 43,481.79
88 260.82 172.12 88.71 43,393.09
89 260.82 171.76 89.06 43,304.03
90 260.82 171.41 89.41 43,214.62
91 260.82 171.06 89.77 43,124.85
92 260.82 170.70 90.12 43,034.73
93 260.82 170.35 90.48 42,944.25
94 260.82 169.99 90.84 42,853.41
95 260.82 169.63 91.20 42,762.22
96 260.82 169.27 91.56 42,670.66
97 260.82 168.90 91.92 42,578.74
98 260.82 168.54 92.28 42,486.46
99 260.82 168.18 92.65 42,393.81
100 260.82 167.81 93.01 42,300.80
101 260.82 167.44 93.38 42,207.41
102 260.82 167.07 93.75 42,113.66
103 260.82 166.70 94.12 42,019.54
104 260.82 166.33 94.50 41,925.04
105 260.82 165.95 94.87 41,830.17
106 260.82 165.58 95.25 41,734.93
107 260.82 165.20 95.62 41,639.30
108 260.82 164.82 96.00 41,543.30
109 260.82 164.44 96.38 41,446.92
110 260.82 164.06 96.76 41,350.16
111 260.82 163.68 97.15 41,253.01
112 260.82 163.29 97.53 41,155.48
113 260.82 162.91 97.92 41,057.56
114 260.82 162.52 98.30 40,959.26
115 260.82 162.13 98.69 40,860.57
116 260.82 161.74 99.08 40,761.48
117 260.82 161.35 99.48 40,662.01
118 260.82 160.95 99.87 40,562.14
119 260.82 160.56 100.27 40,461.87
120 260.82 160.16 100.66 40,361.21
121 260.82 159.76 101.06 40,260.15
122 260.82 159.36 101.46 40,158.69
123 260.82 158.96 101.86 40,056.83
124 260.82 158.56 102.27 39,954.56
125 260.82 158.15 102.67 39,851.89
126 260.82 157.75 103.08 39,748.81
127 260.82 157.34 103.48 39,645.33
128 260.82 156.93 103.89 39,541.43
129 260.82 156.52 104.31 39,437.13
130 260.82 156.11 104.72 39,332.41
131 260.82 155.69 105.13 39,227.28
132 260.82 155.27 105.55 39,121.73
133 260.82 154.86 105.97 39,015.76
134 260.82 154.44 106.39 38,909.38
135 260.82 154.02 106.81 38,802.57
136 260.82 153.59 107.23 38,695.34
137 260.82 153.17 107.65 38,587.68
138 260.82 152.74 108.08 38,479.60
139 260.82 152.32 108.51 38,371.09
140 260.82 151.89 108.94 38,262.16
141 260.82 151.45 109.37 38,152.79
142 260.82 151.02 109.80 38,042.98
143 260.82 150.59 110.24 37,932.75
144 260.82 150.15 110.67 37,822.07
145 260.82 149.71 111.11 37,710.96
146 260.82 149.27 111.55 37,599.41
147 260.82 148.83 111.99 37,487.42
148 260.82 148.39 112.44 37,374.98
149 260.82 147.94 112.88 37,262.10
150 260.82 147.50 113.33 37,148.77
151 260.82 147.05 113.78 37,035.00
152 260.82 146.60 114.23 36,920.77
153 260.82 146.14 114.68 36,806.09
154 260.82 145.69 115.13 36,690.96
155 260.82 145.24 115.59 36,575.37
156 260.82 144.78 116.05 36,459.32
157 260.82 144.32 116.51 36,342.82
158 260.82 143.86 116.97 36,225.85
159 260.82 143.39 117.43 36,108.42
160 260.82 142.93 117.89 35,990.53
161 260.82 142.46 118.36 35,872.17
162 260.82 141.99 118.83 35,753.34
163 260.82 141.52 119.30 35,634.04
164 260.82 141.05 119.77 35,514.27
165 260.82 140.58 120.25 35,394.02
166 260.82 140.10 120.72 35,273.30
167 260.82 139.62 121.20 35,152.10
168 260.82 139.14 121.68 35,030.42
169 260.82 138.66 122.16 34,908.25
170 260.82 138.18 122.65 34,785.61
171 260.82 137.69 123.13 34,662.48
172 260.82 137.21 123.62 34,538.86
173 260.82 136.72 124.11 34,414.75
174 260.82 136.23 124.60 34,290.15
175 260.82 135.73 125.09 34,165.06
176 260.82 135.24 125.59 34,039.48
177 260.82 134.74 126.08 33,913.39
178 260.82 134.24 126.58 33,786.81
179 260.82 133.74 127.08 33,659.72
180 260.82 133.24 127.59 33,532.14
181 260.82 132.73 128.09 33,404.05
182 260.82 132.22 128.60 33,275.45
183 260.82 131.72 129.11 33,146.34
184 260.82 131.20 129.62 33,016.72
185 260.82 130.69 130.13 32,886.59
186 260.82 130.18 130.65 32,755.94
187 260.82 129.66 131.16 32,624.77
188 260.82 129.14 131.68 32,493.09
189 260.82 128.62 132.21 32,360.88
190 260.82 128.10 132.73 32,228.16
191 260.82 127.57 133.25 32,094.90
192 260.82 127.04 133.78 31,961.12
193 260.82 126.51 134.31 31,826.81
194 260.82 125.98 134.84 31,691.97
195 260.82 125.45 135.38 31,556.59
196 260.82 124.91 135.91 31,420.68
197 260.82 124.37 136.45 31,284.23
198 260.82 123.83 136.99 31,147.24
199 260.82 123.29 137.53 31,009.71
200 260.82 122.75 138.08 30,871.63
201 260.82 122.20 138.62 30,733.01
202 260.82 121.65 139.17 30,593.83
203 260.82 121.10 139.72 30,454.11
204 260.82 120.55 140.28 30,313.83
205 260.82 119.99 140.83 30,173.00
206 260.82 119.43 141.39 30,031.61
207 260.82 118.88 141.95 29,889.66
208 260.82 118.31 142.51 29,747.15
209 260.82 117.75 143.07 29,604.08
210 260.82 117.18 143.64 29,460.44
211 260.82 116.61 144.21 29,316.23
212 260.82 116.04 144.78 29,171.45
213 260.82 115.47 145.35 29,026.10
214 260.82 114.89 145.93 28,880.17
215 260.82 114.32 146.51 28,733.66
216 260.82 113.74 147.09 28,586.57
217 260.82 113.16 147.67 28,438.91
218 260.82 112.57 148.25 28,290.65
219 260.82 111.98 148.84 28,141.81
220 260.82 111.39 149.43 27,992.38
221 260.82 110.80 150.02 27,842.36
222 260.82 110.21 150.61 27,691.75
223 260.82 109.61 151.21 27,540.54
224 260.82 109.01 151.81 27,388.73
225 260.82 108.41 152.41 27,236.32
226 260.82 107.81 153.01 27,083.31
227 260.82 107.20 153.62 26,929.69
228 260.82 106.60 154.23 26,775.46
229 260.82 105.99 154.84 26,620.62
230 260.82 105.37 155.45 26,465.17
231 260.82 104.76 156.07 26,309.11
232 260.82 104.14 156.68 26,152.42
233 260.82 103.52 157.30 25,995.12
234 260.82 102.90 157.93 25,837.19
235 260.82 102.27 158.55 25,678.64
236 260.82 101.64 159.18 25,519.46
237 260.82 101.01 159.81 25,359.65
238 260.82 100.38 160.44 25,199.21
239 260.82 99.75 161.08 25,038.14
240 260.82 99.11 161.71 24,876.42
241 260.82 98.47 162.35 24,714.07
242 260.82 97.83 163.00 24,551.07
243 260.82 97.18 163.64 24,387.43
244 260.82 96.53 164.29 24,223.14
245 260.82 95.88 164.94 24,058.20
246 260.82 95.23 165.59 23,892.60
247 260.82 94.57 166.25 23,726.36
248 260.82 93.92 166.91 23,559.45
249 260.82 93.26 167.57 23,391.88
250 260.82 92.59 168.23 23,223.65
251 260.82 91.93 168.90 23,054.75
252 260.82 91.26 169.57 22,885.19
253 260.82 90.59 170.24 22,714.95
254 260.82 89.91 170.91 22,544.04
255 260.82 89.24 171.59 22,372.45
256 260.82 88.56 172.27 22,200.19
257 260.82 87.88 172.95 22,027.24
258 260.82 87.19 173.63 21,853.61
259 260.82 86.50 174.32 21,679.29
260 260.82 85.81 175.01 21,504.28
261 260.82 85.12 175.70 21,328.58
262 260.82 84.43 176.40 21,152.18
263 260.82 83.73 177.10 20,975.08
264 260.82 83.03 177.80 20,797.28
265 260.82 82.32 178.50 20,618.78
266 260.82 81.62 179.21 20,439.58
267 260.82 80.91 179.92 20,259.66
268 260.82 80.19 180.63 20,079.03
269 260.82 79.48 181.34 19,897.68
270 260.82 78.76 182.06 19,715.62
271 260.82 78.04 182.78 19,532.84
272 260.82 77.32 183.51 19,349.33
273 260.82 76.59 184.23 19,165.10
274 260.82 75.86 184.96 18,980.14
275 260.82 75.13 185.69 18,794.45
276 260.82 74.39 186.43 18,608.02
277 260.82 73.66 187.17 18,420.85
278 260.82 72.92 187.91 18,232.94
279 260.82 72.17 188.65 18,044.29
280 260.82 71.43 189.40 17,854.89
281 260.82 70.68 190.15 17,664.74
282 260.82 69.92 190.90 17,473.84
283 260.82 69.17 191.66 17,282.19
284 260.82 68.41 192.42 17,089.77
285 260.82 67.65 193.18 16,896.60
286 260.82 66.88 193.94 16,702.65
287 260.82 66.11 194.71 16,507.94
288 260.82 65.34 195.48 16,312.47
289 260.82 64.57 196.25 16,116.21
290 260.82 63.79 197.03 15,919.18
291 260.82 63.01 197.81 15,721.37
292 260.82 62.23 198.59 15,522.78
293 260.82 61.44 199.38 15,323.40
294 260.82 60.66 200.17 15,123.23
295 260.82 59.86 200.96 14,922.27
296 260.82 59.07 201.76 14,720.51
297 260.82 58.27 202.55 14,517.96
298 260.82 57.47 203.36 14,314.60
299 260.82 56.66 204.16 14,110.44
300 260.82 55.85 204.97 13,905.47
301 260.82 55.04 205.78 13,699.69
302 260.82 54.23 206.60 13,493.09
303 260.82 53.41 207.41 13,285.68
304 260.82 52.59 208.23 13,077.44
305 260.82 51.76 209.06 12,868.39
306 260.82 50.94 209.89 12,658.50
307 260.82 50.11 210.72 12,447.78
308 260.82 49.27 211.55 12,236.23
309 260.82 48.44 212.39 12,023.84
310 260.82 47.59 213.23 11,810.61
311 260.82 46.75 214.07 11,596.54
312 260.82 45.90 214.92 11,381.62
313 260.82 45.05 215.77 11,165.85
314 260.82 44.20 216.63 10,949.22
315 260.82 43.34 217.48 10,731.74
316 260.82 42.48 218.34 10,513.40
317 260.82 41.62 219.21 10,294.19
318 260.82 40.75 220.08 10,074.11
319 260.82 39.88 220.95 9,853.16
320 260.82 39.00 221.82 9,631.34
321 260.82 38.12 222.70 9,408.64
322 260.82 37.24 223.58 9,185.06
323 260.82 36.36 224.47 8,960.60
324 260.82 35.47 225.35 8,735.24
325 260.82 34.58 226.25 8,508.99
326 260.82 33.68 227.14 8,281.85
327 260.82 32.78 228.04 8,053.81
328 260.82 31.88 228.94 7,824.87
329 260.82 30.97 229.85 7,595.02
330 260.82 30.06 230.76 7,364.26
331 260.82 29.15 231.67 7,132.58
332 260.82 28.23 232.59 6,899.99
333 260.82 27.31 233.51 6,666.48
334 260.82 26.39 234.44 6,432.05
335 260.82 25.46 235.36 6,196.68
336 260.82 24.53 236.30 5,960.39
337 260.82 23.59 237.23 5,723.16
338 260.82 22.65 238.17 5,484.99
339 260.82 21.71 239.11 5,245.88
340 260.82 20.76 240.06 5,005.82
341 260.82 19.81 241.01 4,764.81
342 260.82 18.86 241.96 4,522.84
343 260.82 17.90 242.92 4,279.92
344 260.82 16.94 243.88 4,036.04
345 260.82 15.98 244.85 3,791.19
346 260.82 15.01 245.82 3,545.38
347 260.82 14.03 246.79 3,298.59
348 260.82 13.06 247.77 3,050.82
349 260.82 12.08 248.75 2,802.07
350 260.82 11.09 249.73 2,552.34
351 260.82 10.10 250.72 2,301.62
352 260.82 9.11 251.71 2,049.91
353 260.82 8.11 252.71 1,797.20
354 260.82 7.11 253.71 1,543.49
355 260.82 6.11 254.71 1,288.77
356 260.82 5.10 255.72 1,033.05
357 260.82 4.09 256.73 776.32
358 260.82 3.07 257.75 518.57
359 260.82 2.05 258.77 259.80
360 260.82 1.03 259.80 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!

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.

8 10 12 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 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
50,000.00
mprumutat (29.051), perioada de creditare este de (30-2) ani, iar dobnda este cea nou
49,228.46 modificat.
48,419.47
d) Noua rat este de 174, suma pltit bncii n cei 28 de ani rmai este de 58.513.
47,571.20
n total se va plti n cei 30 de ani suma de 58.513+949+2.807=62.233 (fa de 56.338
46,681.75 ct s-ar fi pltit dac dobnda nu se modifica).
45,749.12
44,771.21 e) Raionamentul de mai sus poate fi folosit pentru orice modificare ulterioar a dobnzii.

43,745.83 3) Dobnda pentru un mprumut Prima Cas (n euro) este aproximativ 4,75% pe an, iar
42,670.66 cea pentru un mprumut similar n lei e n jur de 8,5% pe an. A nu se uita de comisionul
41,543.30 anual de 0,49% din jumtatea soldului creditului, pltit ctre Fondul Naional de Garantare,
care se pltete pe lng rate, o dat pe an.
40,361.21
39,121.73
37,822.07
36,459.32
35,030.42
33,532.14
31,961.12
30,313.83
28,586.57 Dicionar:
26,775.46
Principal: parte din rata lunar, prin care se diminueaz datoria clientului fa de banc. Cu
24,876.42
fiecare rat lunar achitat, soldul creditului se diminueaz cu valoarea principalului, pn
22,885.19 cnd n final se ramburseaz ntregul credit.
20,797.28
Sold: suma care mai este datorat, la un moment dat, n cazul unui mprumut (soldul nu
18,608.02
include dobnzile !).
16,312.47
13,905.47 DAE (Dobnd anual efectiv): include toate costurile pe care le implic un credit:
dobnda anual, costul asigurrii, comision de analiz dosar, taxele de administrare.
11,381.62
8,735.24
5,960.39
3,050.82
0.00
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 !