Estudio de factibilidad de créditos financieros mediante los sistemas de amortización alemán y francés

Abstract

Introduction. Before obtaining a bank loan, it is necessary for the investor to recognize the amortization systems used and which is the most convenient for its economy. Objective. To examine the consumer financial loans offered by Banco del Austro and Corporación Financiera Nacional to their clients, using the German and French amortization systems, with the purpose of showing the best option for decision making. Materials and methods. An analytical methodology was used, for which an updated and descriptive bibliographic review was carried out based on scientific articles and books related to the subject in question; after this, two case studies on financial credits were carried out. Results. For each case, two amortization tables were developed using the German method and the French method, consequently, a comparative table was designed between both methods, which served as a basis for the analysis of their main differences, determining that the most convenient method for the investor is the German one. Conclusion. It was determined that the German method generates lower interest rates compared to the French method, which makes it more convenient for the investor.