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X-field: Enter the interest rate per previous unit of time. Y-field: Enter the abbreviation (see table) for the conversion to the interest rate per desired unit of time. Example 1: An interest rate / year of 7% has to be converted to an interest rate / month. Entries: X field: 7 and Y-field: J, M. Then press the button [Alter Time Unit]. Result: interest rate / month = 0.5654%. The conversion was made on the condition that the interest rate is cedited only once after each year, i.e. compound interest comes only into force after one year. Would a banking business be ended after 3 months, one could calculate with the interest rate per month the accrued interest. Further conversions according to the following table:
If the interest payment is made several times within a year, this is called interest during the year. The interest credit leads already in the current year to a compound interest. The annual interest rate increases to an effective interest rate per annum. The number of interest periods within one year have to be entered in the Z-field. The following interest periods are possible: back to the beginning of the manual
The interest rates relating to the month, the week and the day have each been converted to a different time unit of the annual interest period. The total time of the interest is t = t The entries for the calculator are: back to the beginning of the manual
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With a leasing contract, the rights of use of an object are acquired. The owner is and remains the lessor. The total amount of the lease is composed of the acquisition of the property, the administrative costs, the capital financing, possible bonuses payments and ultimately also the lessor's compounded return. With the exception of additional services, service leasing, in the case of a car, the lessee is the keeper of the car responsible for the insurance and maintenance of the car. The annual mileage, the term of the lease, the total amount of the leasing and the amount of the down payment determine the monthly leasing rate over the effective leasing interest rate. Depreciation is done according to the tax law or corresponding depreciation tables; e.g. for cars linear over 6 years. It has to be distinguished between a tax depreciation period, which is fixed in the case of a car, and the computational depreciation time in a leasing model. In the lease model, the total depreciation time may include one or more lease terms with one or more lessees. The individual lease terms may e.g. vary from 2 to 6 years and include very different mileage, which in turn may be between 15 000 and 180 000 km according to the needs of the lessee. The monthly leasing rate is therefore crucially determined by the annual mileage. The vehicle is either sold after its leasing period at the rest book value or re-leased. From a purely computational point of view, the entire depreciation period can be extended with a low annual mileage. By specifying the annual mileage, the leasing rate and the leasing costs per month and per kilometre can be determined. This gives you transparent parameters for comparing different leasing providers. back to the beginning of the manual
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Copyright © : Dr. Günter R. Langecker Langecker@a1.net State: May, 2013 Artikel: Die Finanz-Bredouille |