When a person does not have enough funds for a major acquisition, treatment, training, he was looking for an opportunity to take the money borrowed.To the lender had a desire to give this or that amount of temporary use, in addition to confidence in the solvency of their customers, they need a reward.
basic concept
Loan Interest - this is precisely the fee that the owner of the funds will charge for their use.This economic category appears under commodity production based on the emerging credit relations.The amount of interest - a point of equilibrium, which occurs between supply and demand.Movement borrowing comes from a person (or organization), which issued a loan to the borrower.Payment of interest is happening in the other direction.This completes the circuit cost.
method of calculating
So lending rate - a point of balance between the supply of and demand for them.Its rate is calculated by the following formula:
Stavka = GD / S * 100%, where Stavka - the interest rate, GD - annual income funds owner (lender), S - the amount of capital that is issued a loan.
Loan Interest - that's what the borrower pays attention in the first place when you make a loan.There is a real and nominal rates.The first one takes into account the change in the inflation rate.The second - no, as it reflects the relationship that exists between the amount returned by the borrower and the value of the resulting loan.This is the money that paid for the loan unit for some time.It is worth noting that the real interest rate - the basis for investment decisions.
What affects the value of the bet?
Loan Interest - a category of (economic) depends on several factors:
- from different risks.It is a characteristic feature of the market.They are at the conclusion of agreements with the suppliers, in the production of new products and so on.The risk of the lender is at risk of default of its funds.Than it is higher, the greater the percentage.
- In addition, the cost of borrowing - is the amount of which depends on the term of the loan.If it is small, then the lender is less of missed opportunities for the use of money, which he gave temporary use.In this case, the percentage would be lower.With the growth period, its value increases.This is not only because of the large number of missed opportunities, but also because of the high risk of default funds.
- The level of loan interest depends on securing the loan.Deposit - is the value of the property or cast by the borrower on the loan period.If he does not give his debt, the creditor may dispose of the pledged object.It reduces its risk by reducing interest rates.
- The size of the loan.The rate of interest is more for smaller loans.Administrative costs are not dependent on the size of the loan.Therefore, the lower the loan rate will be higher.
- from taxation of income (percent).Some loans are taxed.The size of their bets include in the loan.
- from the competition.With its growth rates are falling, particularly well illustrated by increasing the number of banks.
can be concluded that the rate of loan interest (rate) is a value that varies over time and depends on various factors.
