Você está na página 1de 2

c  


               
  
                 
             
      
 
    
        

 c                    
         !            
      
Effective Interest Rate on a one Year Loan


"#$$$
     "%$      
     %&'      (

Effective Rate on a Simple Interest Loan = Interest/Principal = $60/$1000 = 6% 

              ) 
   
            

Effective Interest Rate on a Loan With a Term of Less Than one Year


"#$$$
 #*$      %&     
    +

,   -   .  /0   1%$!.02 3  

Effective rate on a Loan with a Term of Less Than one Year=$60/$1000 X 360/120 =
18%

        #4&       #*$  
1%$

Effective Interest Rate on a Discounted Loan

5 
      0             

    
    
 

,        -   .  6   /0   1%$!.0
2 3  

Effective rate on a discounted loan=$60/$1,000 - $60 X 360/360 = 6.38% 

                   
     

Effective Interest Rate with Compensating Balances

5 
     
   
 
    
   
   
    
 
         
          

,     


   !-   .#6!

Effective rate compensating balance= 6%/(1 - 0.2) = 7.5% (if c is a 20% compensating
balance)

Effective Interest Rate on Installment Loans


3            
     
                        
  7   ) 
 (

,         -*/  8 /   .   9
#!/  

Effective rate/installment loan=2 X 12 X $60/13 X $1,000 = 11.08% 

           ##$4& :;&