Análisis de los préstamos amortizables para un crédito comercial mediante los métodos francés y alemán.

Abstract

The timely and efficient information on the types of amortizations of financial institutions when making a loan is of vital importance for the company, microentrepreneur or natural person, it is very important to study financial mathematics in the researcher. This paper proposes two types of depreciation when making a loan with an expired or ordinary annuity, the amortization through the French system that requires a fixed installment payment and the amortization through the German system that has as characteristic that its first payment is high decreasing month to month, in this way it is released all the necessary information of these two types of systems. The owner of the premises will choose the most convenient and beneficial depreciation system for him, taking into account that through the French system the installments are fixed and accessible at their economic level but with a higher interest payment, while the German depreciation system first installment is high but month by month it will decrease and with a lower interest payment. With the information received, the owner of the commercial establishment "Lopez" will decide what is most convenient for him and his business when making the credit in the Cooperativa de Ahorro y Credito Juventud Ecuatoriana Progresista Ltda.