Calculating the cost of credit and loan scheme
(annuity scheme charges)
Base terms
Term of loan			36	months
Loan amount			30000	currency
Rate			10	% annual
Single commission fee			0	%
Monthly fee			0	currency
Final values, monetary items
Monthly sum of fee			968.02
Total sum of fee			34848.53
including %			4848.53
credit body			30000.00
commissions			0.00
Schedule of payments on credit-side
Month	Creditor indebtedness	Redemption of debt of loan	Percent of loan	Commissions	Total in a month
1	30000.00	718.02	250.00	0.00	968.02
2	29281.98	724.00	244.02	0.00	968.02
3	28557.98	730.04	237.98	0.00	968.02
4	27827.94	736.12	231.90	0.00	968.02
5	27091.82	742.25	225.77	0.00	968.02
6	26349.57	748.44	219.58	0.00	968.02
7	25601.13	754.68	213.34	0.00	968.02
8	24846.45	760.97	207.05	0.00	968.02
9	24085.48	767.31	200.71	0.00	968.02
10	23318.17	773.70	194.32	0.00	968.02
11	22544.47	780.15	187.87	0.00	968.02
12	21764.32	786.65	181.37	0.00	968.02
13	20977.67	793.21	174.81	0.00	968.02
14	20184.46	799.82	168.20	0.00	968.02
15	19384.64	806.48	161.54	0.00	968.02
16	18578.16	813.20	154.82	0.00	968.02
17	17764.96	819.98	148.04	0.00	968.02
18	16944.98	826.81	141.21	0.00	968.02
19	16118.17	833.70	134.32	0.00	968.02
20	15284.47	840.65	127.37	0.00	968.02
21	14443.82	847.65	120.37	0.00	968.02
22	13596.17	854.72	113.30	0.00	968.02
23	12741.45	861.84	106.18	0.00	968.02
24	11879.61	869.02	99.00	0.00	968.02
25	11010.59	876.27	91.75	0.00	968.02
26	10134.32	883.57	84.45	0.00	968.02
27	9250.75	890.93	77.09	0.00	968.02
28	8359.82	898.35	69.67	0.00	968.02
29	7461.47	905.84	62.18	0.00	968.02
30	6555.63	913.39	54.63	0.00	968.02
31	5642.24	921.00	47.02	0.00	968.02
32	4721.24	928.68	39.34	0.00	968.02
33	3792.56	936.42	31.60	0.00	968.02
34	2856.14	944.22	23.80	0.00	968.02
35	1911.92	952.09	15.93	0.00	968.02
36	959.83	959.83	8.00	0.00	967.83
Total		30000.00	4848.53	0.00	34848.53