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Фінансова статистика - Shustikov A.A.

14. PLANEVANNY PERISHNENIY DOVGOSTROKOVO ZABORGOVANOSTI

14.1. Basic understanding with viznachennyi planiv repayment dovgostrokovyh posychok

At analizі fіnansovіh rіnkіv often vіnikaє zavdannya з розробки планів погашення кредиів і позичок. Vono polagaye viznacheni periodicheskikh vyplat for a loan abo, yak іn іноді nazivayut, terminovyh wapplies, soums for obesgovovuvannya borgu.

The method of statistical analysis of dovgostrokova zaborgovanost 'posochok є:

1) the distribution of plans for extinguishing the deadline;

2) otsinka vartosty posychki at any time in the shabby Maybutnyh nadohodzhen after her and the camp of a penny grove at the moment otsinyuvannya;

3) viznachenny efektivnosti fіnansovoї operatsії for the creditor.

The methods of extinguishing the positon lie in the form. For the method of repaying the borough, all the positives can be subscribed to so:

1. Positions without obavyazyakovogo zapushennia . Borznik zobov'yazuytsya viplachuvati creditors in the confessed line pributok u viglyadі zafіksovanogo vidsotka. Posy Suma does not rotate.

2. Posychki z obovyazkivim repayment in one line . The wrestler turns a positive sum in the strings of the line and the plaster in the line in the line.

3. Posychki z obovyazkivkim repayment in kilka strinyv . The wrestler turns posekodavtsev sumu parts and regularly viplachuє dohіd vіd posychki v vyglyadі vidsotka.

Zavdaniya rozrobki plan zapushennia pozhki polegaye viznachennі rozmіru povychnuyu vypolku ya yogo storonyh zalizhno vid specific minds posychki.

Vitrati, pozhyazanny z zatyshennyam posychki, nazivayutsya obsluzhovuvannannyam borgu .

I'll create a bag for the burgu to call terminovuyu (streaming) viplatoyu . Terminovi vyplaty hunt yak streaming payments, so і кошти, які спрямовуться на погашення (амортизацію) the main borgo. Methods viznachennya rozmіru poposchnih viplat zalozhat vid mind pozhchki. Ці моми perebachayut lines, trivalval пільгового періоду, рівень відсоткової rate, the method of repayment of payments in the main sumi burgu. Щоб вивести a formula for розрахунку термінових виплат, приймемо такі позначення: D - сума заборгованості; І - viscosities behind the pose; L is the triviality of the pe- riodic period; R - rіchnі vitrati for extinguishment of the main borgou; Y - terminova (flow) payment.

At period, if the main sum of the borough is viplachuyetsya, the term of payment is stored in two parts:

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At пільговоному періоді вона warehouses, there are tons of sums in the form of vipacchuvanyh vіsotkіv (yakshchoe tse pobobacheno umovami):

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