The installments have two interest calculation methods:
1. Monthly Percentage
When there is no yearly percentage entry but monthly interest has been entered, the system uses monthly interest data to calculate installments.
Calculation Formula: [ { (1+i)^n } ]
----------------------* i
[ { (1+i)^n } -1 ]
Here i represents the monthly percentage and n is the installment.
Example:
Main Value BRL 12,000.00
Number of Installments 12
Monthly Percentage of 1%
i (Monthly Percentage) = 1% = 1/100 = 01
n (Number of Installments) = 12
nFator := [ { (1+i)^n } ]
----------------------* i
[ { (1+i)^n } -1 ]
nFator := [ { (1 + 0.01) ^ 12 } ]
---------------------------- * 0.01
[ { (1 + 0.01) ^ 12 } -1 ]
nFator := [ 1.12682503 ]
------------------* 0.01
[ 0.12682503 ]
nFator := 0.08884879
Installment Value = 0.08884879 * 12000 = BRL 1,066.18
Thus, the system deducts the installment value every month until the payments end.
2. Yearly Percentage and Monthly Percentage
Once the yearly interest has been entered, the system calculates the monthly interest and, in this case, the monthly interest becomes the correction factor of the installments.
Example:
Main Value BRL 12,000.00
Number of Installments 12
Yearly Percentage 12%
i := ((( 1 + ( n /100 ) ) ^ ( 1 / 12 ) ) - 1 ) * 100
i := ((( 1 + ( 12/100 ) ) ^ ( 1 / 12 ) ) - 1 ) * 100
i := ((( 1.12 ) ^ ( 1 / 12 ) ) - 1 ) * 100
i := ((( 1.12 ) ^ 0.08333 ) - 1 ) * 100
i (Monthly Percentage) = 0.0094887929
n (Number of Installments) = 12
nFator := [ { (1+i)^n } ]
----------------------* i
[ { (1+i)^n } -1 ]
nFator := [ { (1 + 0.0094887929) ^ 12) ]
---------------------------------------- * 0.0094887929
[ {(1 + 0.0094887929 / 100)^ 12 } - 1 ]
nFator := [ 1.12 ]
----------- * 0.0094887929
[ 0.12]
nFator := 0.0885620670
Value of Installment = 0.088862 * 12000 = BRL 1,062.74
Visão Geral
Import HTML Content
Conteúdo das Ferramentas
Tarefas