Afla cum se calculeaza corect Dobanda Anuala Efectiva (DAE) si care sunt implicatiile acesteia pentru un credit rapid.

Cum se calculeaza Dobanda Anuala Efectiva (DAE) si care sunt implicatiile sale pentru creditele rapide

Dobanda Anuala Efectiva sau DAE, asa cum este cunoscuta tuturor, reprezinta una dintre variabilele cele mai importante, care trebuie luate in calcul atunci cand iti doresti

sa aplici pentru un credit rapid. Majoritatea companiilor nebancare pun la dispozitia clientilor sai un calculator credite nebancare, cu ajutorul caruia acestia isi pot calcula valoarea creditului urgent pe care il solicita, precum si toate celelalte costuri adiacente, dintre care se remarca DAE.

Cum se calculeaza DAE in mod corect?

Instrumentul legal de determinare a DAE este reprezentat de legea nr. 289 din anul 2004, in care este elaborata formula de calcul a Dobanzii Anuale Efective:

Cum se calculeaza Dobanda Anuala Efectiva (DAE) si  care sunt implicatiile sale pentru creditele rapide

k = numarul de ordine al unui imprumut;

k’ = numarul de ordine al unei rambursari sau al unei plati a cheltuielilor;

A(k) = valoarea imprumutului pentru numarul de ordine K;

A'(k’) = valoarea unei rambursari sau a unei plati a cheltuielilor pentru numarul de ordine K’;

SUMA = semnul care indica o insumare;

m = numarul de ordine al ultimului imprumut;

m’ = numarul de ordine al ultimei rate de rambursat sau al ultimei plati a cheltuielilor;

t(k) = intervalul, exprimat in ani si fractiuni de ani, intre data imprumutului nr. 1 si data imprumuturilor ulterioare de la nr. 2 la m;

t(k’) = intervalul, exprimat in ani si fractiuni de ani, intre data imprumutului nr. 1 si data ratelor de rambursare sau a platilor cheltuielilor de la nr. 1 la m’;

i = dobanda anuala efectiva care poate fi calculata atunci cand ceilalti termeni ai ecuatiei sunt cunoscuti prin contract sau in alt mod.

Sursa informatie

Care sunt elementele financiare care sunt incluse in DAE?

Importanta DAE este data de faptul ca, in acest indicator vital pentru diferentierea diverselor credite nebancare de pe piata, sunt incluse diferite elemente financiare care pot duce la cresterea sau descresterea acesteia. Astfel, nivelului dobanzii nominale a unui credit i se alatura si comisioanele care sunt aplicate la acordarea unui credit, comisoanele care se aplica acestui credit la nivel lunar sau annual, precum si dobanda aplicata sau costurile de administrare a creditului respectiv, constituie niste aspecte care influenteaza cota DAE aplicate unui credit urgent online. Un alt element de care trebuie sa tinem seama la calculul DAE este costul total al unui imprumut, care influenteaza suma totala care va fi platita de catre cel care o imprumuta, la sfarsitul perioadei de creditare. Dobanda Anuala Efectiva mai poate include si diverse asigurari (pentru un imobil, de viata sau de alta natura), insa, inglobarea acestora in DAE depinde de institutia nebancara sau bancara care acorda un credit. Exista si alte tipuri de comisioane care nu vor face parte din DAE niciodata, precum cele pentru serviciile facultative, cele pentru penalizarea care se aplica pentru intarzierea la rambursarea creditului si cel pentru returnarea inainte de termen a creditului.

De ce o valoare mai mare a DAE nu inseamna ca o sa platesti o rata a dobanzii mai mare pentru un credit?

DAE se calculeaza in functie de valoarea creditului si durata de timp pe care se intinde rambursarea acestuia. In general, cu cat durata de timp este mai scurta, cu atat valoarea DAE va fi mai mare, in timp ce o durata de rambursare mai mare, va inseamna o DAE mai mica. Cuantumul unei rate pentru o perioada indelungata va avea o valoare mai mica, deoarece toate costurile si comisioanele care sunt incluse in DAE se vor imparti la o perioada mai mare. Prezentarea unei DAE atractive trebuie sa il determine pe orice client sa se gandeasca ca exista totusi o “capcana”, deoarece valoarea acesteia este calculata la un termen de returnare foarte indelungat, iar daca acel client o sa doreasca sa imprumute o suma de bani pentru o perioada mai scurta, valoarea DAE, in acest caz, va fi una mai ridicata.

Creditele rapide cu DAE scazuta, dar pe termen lung pot fi mult mai costisitoare

In cazul imprumuturilor rapide, termenul de returnare al acestora este unul scurt (nu mai mult de 45 de zile, in cazul celui mai avantajos credit rapid online). Insa, atunci cand rambursarea se prelungeste, fara justificare, iar clientul intarzie cu achitarea sumelor de bani datorate, acestora li se adauga si costurile cauzate de intarziere (penalizari), precum si alte comisioane, care vor creste valoarea DAE.

Chiar daca valoarea DAE pentru termenele lungi de rambursare este scazuta, rata dobanzii poate fi mai mare, datorita termenului indelungat de rambursare si a altor costuri.

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