What Is Anuitas Flower, Here's How To Calculat And Types

Illustration of posthumous flower (Freepik)

YOGYAKARTA - Insurance interest is a banking term that is often heard in bank loan services. The interest rate is one method of calculating loan interest rates to make it easier for customers to pay installments every period.

The system that is usually applied in postacity is floating or effective flowers (floating rate) and fixed flowers (flated/flat rate). However, there are still many customers who do not understand what postacity flowers are and how to calculate them.

Based on the Financial Services Authority (OJK), postacity interest is a method of calculating interest rates that regulates the amount of principal installments plus interest installments that are paid to be the same every month.

Meanwhile, from banking theory, it is stated that postacity is acceptance or payment that is made regularly and periodically within a certain period or period. Calculation of postacity is considered to provide maximum for customers.

Anutas memiliki sedikit perbedaan dalam penuhan angsuran principal. Anuitas dapat diungutung melalui pengurangan total angsuran dengan hasil computing bunga putusitasnya untuk menentukan besaran susurannya. Bunga autusitas akan membuat jumlah angsuran sama di setiap bulannya.

The number of installments that are fixed and equal will make it easier for customers to manage their finances. Customers know how much costs must be incurred regularly. However, even though the total installments paid each month are the same, the interest portion at the beginning of the payment period is very large. Meanwhile, the portion of principal installments is very small.

Then, when approaching the credit period, the interest portion will be smaller while the portion of principal installments is very large. Posthumous interest is usually applied to long-term loans such as business credit or mortgages. In addition, postacity is also used in investment and insurance products.

How to calculate postacity interest installments using formulas to calculate effective interest rates. Here are the postacity interest formulas:

Bunga = SP x i x (30/360)

Certificate:

SP: The loan principal balance in the previous month

I: interest rate per year

30: the number of days a month

360: number of days a year

This formula is developed again to get the appropriate value based on the postulus formula. Here's how to calculate it:

P* (i/12)/( (1-(1+(i/12))^(-t)

caption:

P: principal loan

i: interest rate

t: credit period in lunar units

There are 4 types of postulus interest which are divided based on the payment time. The payment in question is the return payment or return payment from the investment or installment payment.

Simple or ordinary annuity events make payments or receipts at the end of a predetermined period. Simple items can be seen in mortgage payments or debt instruments that take advantage of their guarantees in the form of fixed assets, such as buildings, buildings, houses, land, to machines.

An Anuitas jenis ini merupakan balik dari postulutas sederhana. Anuitas maturing atau due annuity melakukan pembayaran secara berpertibuhan dan penerimaannya dilakukan di awal periode. An example of postulutas maturing diadakan pada produk asuransi, yakni saat Anda melakukan pembayaran premi secara di awal periode untuk mengklaim produk asurasi yang Anda dibeli.

Direct entity or direct annuity makes payments or receipts from the value of the entity will be given directly without any suspension or delay. This type of award is the same as usual. An example of direct entity is when buying a vehicle on credit, where one has to pay directly without delay.

This event is the opposite of direct postuity. A delayed entity or deferred annuity makes payments or receipts with delays or delays. So payments and receipts are made only at a certain period of time or after a certain period of time. That way payments and receipts can be postponed. For example, delayed postuluities are loan interest payments or loans, and deposit interest receipts.

That's a review of postulus interest. The postulus flower is one method of calculating loan interest to make it easier for customers to make regular installment payments. The four types of posthumous flowers above need you to understand, as well as how to calculate them.

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