Simulare credit
Totul este foarte simplu. Ne spuneti ce suma de bani aveti nevoie in mana si in cat timp ii puteti returna. Noi ne ocupam de restul.
Fara surprize neplacute! Ca sa nu aveti parte de surprize neplacute, va garantam ca ceea ce vedeti in acest simulator este exact ceea ce veti semna la primirea creditului.
Pentru a ramane in mana cu 10 000 lei, este necesar un credit de 13 703 lei din care se retin:
- Taxa de inscriere: 20 lei
- Cotizatie lunara fond social: 60 lei
- Cotizatie lunara fond deces: 60 lei
- Comisioane nerambursabile: 822.18 lei (3% comision analiza dosar si 3% comision administrare). Conform normelor financiare daca marim creditul cu doar 1298 lei, adica valoarea creditului devine 15 001 lei, suma comisionelor scade de la 6% la 5%. Castigati astfel 72.13 lei.
- Fond social retinut: 2740.6 lei (se restituie)
Totalul lunar de plata este de 378.46 lei pe o perioada de 60 luni.
Grafic de rambursare a ratelor
*s-a considerat data contractului 21.11.2024 si prima scadenta la 21.12.2024
| Nr. crt. | Sold | Rata | Dobanda | Total lunar |
|---|---|---|---|---|
| 1 | 13575.76 | 127.24 | 251.22 | 378.46 |
| 2 | 13446.19 | 129.57 | 248.89 | 378.46 |
| 3 | 13314.24 | 131.95 | 246.51 | 378.46 |
| 4 | 13179.87 | 134.37 | 244.09 | 378.46 |
| 5 | 13043.04 | 136.83 | 241.63 | 378.46 |
| 6 | 12903.70 | 139.34 | 239.12 | 378.46 |
| 7 | 12761.81 | 141.89 | 236.57 | 378.46 |
| 8 | 12617.31 | 144.50 | 233.97 | 378.47 |
| 9 | 12470.17 | 147.14 | 231.32 | 378.46 |
| 10 | 12320.32 | 149.84 | 228.62 | 378.46 |
| 11 | 12167.73 | 152.59 | 225.87 | 378.46 |
| 12 | 12012.35 | 155.39 | 223.08 | 378.47 |
| 13 | 11854.11 | 158.24 | 220.23 | 378.47 |
| 14 | 11692.98 | 161.14 | 217.33 | 378.47 |
| 15 | 11528.88 | 164.09 | 214.37 | 378.46 |
| 16 | 11361.79 | 167.10 | 211.36 | 378.46 |
| 17 | 11191.62 | 170.16 | 208.30 | 378.46 |
| 18 | 11018.34 | 173.28 | 205.18 | 378.46 |
| 19 | 10841.88 | 176.46 | 202.00 | 378.46 |
| 20 | 10662.19 | 179.69 | 198.77 | 378.46 |
| 21 | 10479.20 | 182.99 | 195.47 | 378.46 |
| 22 | 10292.86 | 186.34 | 192.12 | 378.46 |
| 23 | 10103.10 | 189.76 | 188.70 | 378.46 |
| 24 | 9909.86 | 193.24 | 185.22 | 378.46 |
| 25 | 9713.08 | 196.78 | 181.68 | 378.46 |
| 26 | 9512.69 | 200.39 | 178.07 | 378.46 |
| 27 | 9308.62 | 204.06 | 174.40 | 378.46 |
| 28 | 9100.82 | 207.80 | 170.66 | 378.46 |
| 29 | 8889.21 | 211.61 | 166.85 | 378.46 |
| 30 | 8673.71 | 215.49 | 162.97 | 378.46 |
| 31 | 8454.27 | 219.44 | 159.02 | 378.46 |
| 32 | 8230.80 | 223.47 | 154.99 | 378.46 |
| 33 | 8003.24 | 227.56 | 150.90 | 378.46 |
| 34 | 7771.50 | 231.74 | 146.73 | 378.47 |
| 35 | 7535.52 | 235.98 | 142.48 | 378.46 |
| 36 | 7295.21 | 240.31 | 138.15 | 378.46 |
| 37 | 7050.49 | 244.72 | 133.75 | 378.47 |
| 38 | 6801.29 | 249.20 | 129.26 | 378.46 |
| 39 | 6547.52 | 253.77 | 124.69 | 378.46 |
| 40 | 6289.09 | 258.42 | 120.04 | 378.46 |
| 41 | 6025.93 | 263.16 | 115.30 | 378.46 |
| 42 | 5757.94 | 267.99 | 110.48 | 378.47 |
| 43 | 5485.05 | 272.90 | 105.56 | 378.46 |
| 44 | 5207.14 | 277.90 | 100.56 | 378.46 |
| 45 | 4924.14 | 283.00 | 95.46 | 378.46 |
| 46 | 4635.96 | 288.19 | 90.28 | 378.47 |
| 47 | 4342.49 | 293.47 | 84.99 | 378.46 |
| 48 | 4043.64 | 298.85 | 79.61 | 378.46 |
| 49 | 3739.31 | 304.33 | 74.13 | 378.46 |
| 50 | 3429.40 | 309.91 | 68.55 | 378.46 |
| 51 | 3113.81 | 315.59 | 62.87 | 378.46 |
| 52 | 2792.44 | 321.38 | 57.09 | 378.47 |
| 53 | 2465.17 | 327.27 | 51.19 | 378.46 |
| 54 | 2131.90 | 333.27 | 45.19 | 378.46 |
| 55 | 1792.53 | 339.38 | 39.08 | 378.46 |
| 56 | 1446.93 | 345.60 | 32.86 | 378.46 |
| 57 | 1094.99 | 351.93 | 26.53 | 378.46 |
| 58 | 736.61 | 358.39 | 20.07 | 378.46 |
| 59 | 371.65 | 364.96 | 13.50 | 378.46 |
| 60 | 0.00 | 371.65 | 6.81 | 378.46 |