diplomski projekt
Jovana Dimitrijević (Author), Janko Marovt (Mentor)

Abstract

Posamezniki se običajno odločajo o kreditih na podlagi obrestnih mer. Za ljudi, ki se ne spoznajo najbolj na bančne posle, je višina obrestne mere edini podatek, ki ga razumejo in ki jim sporoča, kolikšni bodo stroški kredita. Pogosto se ne zavedajo, da so stroški kredita odvisni tudi od drugih dejavnikov, kot so načini obrestovanja, vrste obrestovanja in število obrokov znotraj časovne enote. Obstajata dva načina obrestovanja, in sicer dekurzivno in anticipativno obrestovanje. Pri dekurzivnem načinu obresti obračunamo ob preteku določenega obdobja in jih prištejemo h glavnici. Pri anticipativnem načinu obresti obračunamo že na začetku obdobja in jih takoj odštejemo od glavnice. Za anticipativni način obrestovanja je značilno, da je v primerjavi z dekurzivnim načinom bolj ugoden za kreditodajalca in manj za kreditojemalca. Obstajata dva načina obrestovanja, in sicer: dekurzivno in anticipativno obrestovanje. Pri dekurzivnem načinu se obresti obračunavajo ob preteku določenega obdobja in jih potem prištejemo h glavnici. Pri anticipativnem načinu se obresti obračunavajo že na začetku obdobja in jih takoj odštejemo od glavnice. Za anticipativni način obrestovanja je značilno da je ugodnejši za kreditodajalca, kot za kreditojemalca.

Keywords

krediti;obresti;obrestna mera;anticipativno obrestovanje;

Data

Language: Slovenian
Year of publishing:
Typology: 2.11 - Undergraduate Thesis
Organization: UM EPF - Faculty of Economics and Business
Publisher: [J. Dimitrijević]
UDC: 336.781.2
COBISS: 12607004 Link will open in a new window
Views: 1540
Downloads: 213
Average score: 0 (0 votes)
Metadata: JSON JSON-RDF JSON-LD TURTLE N-TRIPLES XML RDFA MICRODATA DC-XML DC-RDF RDF

Other data

Secondary language: English
Secondary title: Loans with anticipative interest rates
Secondary abstract: When deciding about loans people usually take into account interest rates. To people who do not understand banking very well, the level of interest rate is the only information they understand and is shows them the actual amount of money that has to be paid for a certain loan amount. They are often unaware of the fact that a loan amount also depends on other factors, for example: interest rate methods, types of interest rate and the number of payments within the time unit. There are two interest rate methods: the decursive and the anticipative method. When using decursive interest rate method, interests are charged at the end of the certain period and then added to the principal. When using the anticipative interest rate method, interests are charged at the beginning of the period and they are immediately deducted from the principal. Compared to the decursive method, the anticipative method is more favourable for the lender than the borrower.
Secondary keywords: loan;interests;interest rate;lender;borrower;capitalisation;anticipative interest rates;decursive interest rates;
URN: URN:SI:UM:
Type (COBISS): Diploma project paper
Thesis comment: Univ. v Mariboru, Ekonomsko-poslovna fak.
Pages: II, 32 str.
ID: 9166596