lanareiknir verdtryggd overdtryggd samanburdur og raungreidslur 20101208
TRANSCRIPT
Upphæð láns 10,000,000 Verðbólga 5.00%Óverðtryggðir vextir 10.00% Verðtryggðir vextir 4.76%
Verðtryggt lán - jafnar afborganirÁr Eftirstöðvar Vextir Afborgun Greiðsla alls Ár1 10,500,000 499,800 262,500 762,300 12 10,749,375 511,670 275,625 787,295 23 10,997,438 523,478 289,406 812,884 34 11,243,433 535,187 303,877 839,064 45 11,486,534 546,759 319,070 865,829 56 11,725,837 558,150 335,024 893,174 67 11,960,354 569,313 351,775 921,088 78 12,189,007 580,197 369,364 949,561 89 12,410,626 590,746 387,832 978,578 910 12,623,933 600,899 407,224 1,008,123 1011 12,827,545 610,591 427,585 1,038,176 1112 13,019,958 619,750 448,964 1,068,714 1213 13,199,544 628,298 471,412 1,099,711 1314 13,364,538 636,152 494,983 1,131,135 1415 13,513,033 643,220 519,732 1,162,952 1516 13,642,966 649,405 545,719 1,195,124 1617 13,752,110 654,600 573,005 1,227,605 1718 13,838,061 658,692 601,655 1,260,346 1819 13,898,226 661,556 631,738 1,293,293 1920 13,929,813 663,059 663,324 1,326,384 2021 13,929,813 663,059 696,491 1,359,550 2122 13,894,988 661,401 731,315 1,392,717 2223 13,821,857 657,920 767,881 1,425,801 2324 13,706,675 652,438 806,275 1,458,713 2425 13,545,420 644,762 846,589 1,491,351 2526 13,333,773 634,688 888,918 1,523,606 2627 13,067,097 621,994 933,364 1,555,358 2728 12,740,420 606,444 980,032 1,586,476 2829 12,348,407 587,784 1,029,034 1,616,818 2930 11,885,342 565,742 1,080,486 1,646,228 3031 11,345,099 540,027 1,134,510 1,674,537 3132 10,721,118 510,325 1,191,235 1,701,561 3233 10,006,377 476,304 1,250,797 1,727,101 3334 9,193,359 437,604 1,313,337 1,750,941 3435 8,274,023 393,843 1,379,004 1,772,847 3536 7,239,770 344,613 1,447,954 1,792,567 3637 6,081,407 289,475 1,520,352 1,809,827 3738 4,789,108 227,962 1,596,369 1,824,331 3839 3,352,376 159,573 1,676,188 1,835,761 3940 1,759,997 83,776 1,759,997 1,843,773 40
samtals 21,701,257 31,709,941 53,411,198
Lengd láns 40Höfundur:
Már Wolfgang MixaVerðtryggt lán - jafngreiðslur (annuitet)
Eftirstöðvar Vextir Afborgun Greiðsla alls10,500,000 499,800 92,142 591,94210,928,250 520,185 101,355 621,54011,368,240 541,128 111,488 652,61711,819,590 562,612 122,635 685,24712,281,802 584,614 134,896 719,51012,754,252 607,102 148,383 755,48513,236,162 630,041 163,218 793,26013,726,591 653,386 179,537 832,92314,224,407 677,082 197,487 874,56914,728,266 701,065 217,232 918,29715,236,586 725,262 238,950 964,21215,747,518 749,582 262,841 1,012,42316,258,911 773,924 289,120 1,063,04416,768,281 798,170 318,026 1,116,19617,272,768 822,184 349,822 1,172,00617,769,093 845,809 384,797 1,230,60618,253,511 868,867 423,269 1,292,13618,721,754 891,155 465,588 1,356,74319,168,975 912,443 512,137 1,424,58019,589,680 932,469 563,340 1,495,80919,977,656 950,936 619,663 1,570,60020,325,893 967,513 681,617 1,649,13020,626,490 981,821 749,765 1,731,58620,870,561 993,439 824,727 1,818,16521,048,126 1,001,891 907,183 1,909,07421,147,990 1,006,644 997,883 2,004,52721,157,612 1,007,102 1,097,651 2,104,75421,062,959 1,002,597 1,207,395 2,209,99120,848,342 992,381 1,328,110 2,320,49120,496,244 975,621 1,460,894 2,436,51619,987,117 951,387 1,606,955 2,558,34119,299,171 918,641 1,767,618 2,686,25818,408,131 876,227 1,944,344 2,820,57117,286,976 822,860 2,138,740 2,961,60015,905,648 757,109 2,352,571 3,109,68014,230,731 677,383 2,587,781 3,265,16412,225,097 581,915 2,846,507 3,428,422
9,847,519 468,742 3,131,101 3,599,8437,052,239 335,687 3,444,149 3,779,8353,788,495 180,332 3,788,495 3,968,827
samtals 30,747,107 40,759,411 71,506,519
Upphæð láns 10,000,000 Verðbólga 5.00% Lengd lánsÓverðtr. vextir 10% Verðtryggðir vextir 4.76%
Óverðtryggt lán - jafnar afborganir Óverðtryggt lán - jafngreiðslur (annuitet)Ár Eftirstöðvar Vextir Afborgun Greiðsla alls Ár Eftirstöðvar1 10,000,000 1,000,000 400,000 1,400,000 1 10,000,0002 9,600,000 960,000 400,000 1,360,000 2 9,898,3193 9,200,000 920,000 400,000 1,320,000 3 9,786,4704 8,800,000 880,000 400,000 1,280,000 4 9,663,4375 8,400,000 840,000 400,000 1,240,000 5 9,528,1006 8,000,000 800,000 400,000 1,200,000 6 9,379,2297 7,600,000 760,000 400,000 1,160,000 7 9,215,4718 7,200,000 720,000 400,000 1,120,000 8 9,035,3389 6,800,000 680,000 400,000 1,080,000 9 8,837,19110 6,400,000 640,000 400,000 1,040,000 10 8,619,22911 6,000,000 600,000 400,000 1,000,000 11 8,379,47112 5,600,000 560,000 400,000 960,000 12 8,115,73813 5,200,000 520,000 400,000 920,000 13 7,825,63114 4,800,000 480,000 400,000 880,000 14 7,506,51315 4,400,000 440,000 400,000 840,000 15 7,155,48316 4,000,000 400,000 400,000 800,000 16 6,769,35117 3,600,000 360,000 400,000 760,000 17 6,344,60618 3,200,000 320,000 400,000 720,000 18 5,877,38519 2,800,000 280,000 400,000 680,000 19 5,363,44320 2,400,000 240,000 400,000 640,000 20 4,798,10721 2,000,000 200,000 400,000 600,000 21 4,176,23722 1,600,000 160,000 400,000 560,000 22 3,492,18023 1,200,000 120,000 400,000 520,000 23 2,739,71724 800,000 80,000 400,000 480,000 24 1,912,00825 400,000 40,000 400,000 440,000 25 1,001,528
samtals 13,000,000 10,000,000 23,000,000 samtals
25Höfundur:
Már Wolfgang MixaÓverðtryggt lán - jafngreiðslur (annuitet)
Vextir Afborgun Greiðsla alls1,000,000 101,681 1,101,681
989,832 111,849 1,101,681978,647 123,034 1,101,681966,344 135,337 1,101,681952,810 148,871 1,101,681937,923 163,758 1,101,681921,547 180,134 1,101,681903,534 198,147 1,101,681883,719 217,962 1,101,681861,923 239,758 1,101,681837,947 263,734 1,101,681811,574 290,107 1,101,681782,563 319,118 1,101,681750,651 351,029 1,101,681715,548 386,132 1,101,681676,935 424,746 1,101,681634,461 467,220 1,101,681587,739 513,942 1,101,681536,344 565,336 1,101,681479,811 621,870 1,101,681417,624 684,057 1,101,681349,218 752,463 1,101,681273,972 827,709 1,101,681191,201 910,480 1,101,681100,153 1,001,528 1,101,681
17,542,018 10,000,000 27,542,018
ÓVT - Jafnar ÓVT - Annuitet VT - Jafnar VT - Annuitet
Fyrsta afborgun 400,000 101,681 262,500 92,142Fyrsta vaxtagreiðsla 1,000,000 1,000,000 499,800 499,800Fyrsta greiðsla 1,400,000 1,101,681 762,300 591,942
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0200,000400,000600,000800,0001,000,0001,200,0001,400,0001,600,0001,800,0002,000,000
02,000,0004,000,0006,000,0008,000,000
10,000,00012,000,00014,000,00016,000,000Verðtryggt lán - jafnar afborganir
Vextir Greiðsla alls Afborgun Eftirstöðvar
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Vextir Greiðsla alls Afborgun Eftirstöðvar
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Vextir Greiðsla alls Afborgun Eftirstöðvar1 2 3 4 5 6 7 8 9 1
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Vextir Greiðsla alls Afborgun Eftirstöðvar
ÓVT - Jafnar ÓVT - Annuitet VT - Jafnar VT - Annuitet
Afborgun 10. ári 400,000 239,758 407,224 217,232Vaxtagreiðsla 10. ári 640,000 861,923 600,899 701,065Greiðsla 10. ári 1,040,000 1,101,681 1,008,123 918,297
Afborgun 20. ári 400,000 621,870 663,324 563,340Vaxtagreiðsla 20. ári 240,000 479,811 663,059 932,469Greiðsla 20. ári 640,000 1,101,681 1,326,384 1,495,809
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Vextir Greiðsla alls Afborgun Eftirstöðvar
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Vextir Greiðsla alls Afborgun Eftirstöðvar
Verðtryggt jafngreiðslu lánLán Vextir Verðbólga Seðilgjald Vísitala Fj. afb. á ári Lánstími (ár)
10,000,000 4.76% 5.00% 350 100 1 25Fjöldi afb.
25 Höfundur: Benedikt HelgasonTímabil Vísitala Eftirstöðvar Verðbætur Afborgun Vextir Seðilgjald
1 105 10,500,000 500,000 227,382 499,800 3502 110.25 10,786,249 513,631 250,115 513,425 3503 115.7625 11,062,940 526,807 275,122 526,596 3504 121.55063 11,327,209 539,391 302,629 539,175 3505 127.62816 11,575,809 551,229 332,886 551,009 3506 134.00956 11,805,070 562,146 366,167 561,921 3507 140.71004 12,010,848 571,945 402,777 571,716 3508 147.74554 12,188,474 580,404 443,046 580,171 3509 155.13282 12,332,699 587,271 487,342 587,036 350
10 162.88946 12,437,625 592,268 536,067 592,031 35011 171.03394 12,496,636 595,078 589,663 594,840 35012 179.58563 12,502,322 595,349 648,617 595,111 35013 188.56491 12,446,390 592,685 713,466 592,448 35014 197.99316 12,319,570 586,646 784,798 586,412 35015 207.89282 12,111,511 576,739 863,262 576,508 35016 218.28746 11,810,661 562,412 949,571 562,187 35017 229.20183 11,404,144 543,054 1,044,510 542,837 35018 240.66192 10,877,616 517,982 1,148,940 517,775 35019 252.69502 10,215,110 486,434 1,263,811 486,239 35020 265.32977 9,398,865 447,565 1,390,166 447,386 35021 278.59626 8,409,133 400,435 1,529,155 400,275 35022 292.52607 7,223,977 343,999 1,682,040 343,861 35023 307.15238 5,819,034 277,097 1,850,210 276,986 35024 322.50999 4,167,264 198,441 2,035,195 198,362 35025 338.63549 2,238,673 106,603 2,238,673 106,561 350
Samtals 12,355,611 22,355,611 12,350,669 8,750
Benedikt HelgasonGreiðsla
727,532763,891802,068842,154884,244928,439974,843
1,023,5681,074,7291,128,4481,184,8531,244,0781,306,2641,371,5601,440,1201,512,1091,587,6971,667,0641,750,4001,837,9021,929,7802,026,2512,127,5462,233,9062,345,584
34,715,030
