EFEKTIVNA OBRESTNA MERA

• Main Author: Majcen, Tatjana
• Other Authors: Đukanović, Igor
• Format: Bachelor Thesis
• Language: Slovenian
• Published: T. Majcen 2011
• Subjects: efektivna obrestna mera (EOM); dejanska cena denarja; obrestovanje; evropska direktiva; krediti.; annual percentage rate (APR); the actual cost of money; remuneration; a European directive; loans.; info:eu-repo/classification/udc/336.78; sami
• Online Access: https://dk.um.si/IzpisGradiva.php?id=16084; https://dk.um.si/Dokument.php?id=18038&dn=; https://plus.si.cobiss.net/opac7/bib/10533660?lang=sl

Diplomski seminar je osredotočen na efektivno obrestno mero, kot kazalnik dejanske cene izposojenega denarja. Efektivna obrestna mera je podatek, ki ščiti potrošnike pred bančnimi goljufijami v obliki oderuških obresti. Na efektivno obrestno mero vplivajo različni dejavniki kot so različni načini obrestovanja, štetje časa, različni stroški… Da bi razumeli efektivno obrestno mero kot kazalnik dejanske cene denarja, moramo vse te dejavnike razumeti, saj odločilno vplivajo na njo. S kasnejšo spremembo teh dejavnikov, se lahko EOM tudi spremeni. S sprejetjem evropske Direktive o potrošniškem kreditiranju, se bodo tudi na trgu potrošniškega kreditiranja pojavile spremembe. Nastal bo velik trg ponudnikov potrošniških kreditov, v katerem se bodo potrošniki težko znašli. Zato je tudi Zveza potrošnikov Slovenije v okviru ECRC, Evropske komisije za odgovorno kreditiranje, sodelovala pri oblikovanju splošnih načel odgovornega kreditiranja. Vsako načelo vsebuje točke, ki podrobno razlagajo, kako naj poteka kreditiranje v prid potrošnika. Efektivno obrestno mero si lahko tudi sami izračunamo s pomočjo matematičnih metod in sicer z bisekcijo ali z Newtonovo metodo. EOM definira edino pozitivno ničlo polinoma, ki podaja ekvivalenco glavnic ob zaključnem terminu. Še lažje je preveriti, ali je že izračunana EOM pravilna, kar sem tudi storila za nekaj primerov kreditov. Graduate seminar focuses on the annual percentage rate as an indicator of the actual price of the borrowed money. The annual percentage rate information protects consumers from bank fraud in the form of predatory interest rates. The annual percentage rate is influenced by various factors such as different methods of computing interest rates, counting time, various costs . To understand the effective interest rate as an indicator of the actual cost of money, we need to understand these factors as having a decisive impact on it. A latter change of these factors, may also change APR. With the adoption of the European Directive on consumer loans, on the consumer lending market changes will also occurr. A large market of loan providers will emerge, making it hard for consumers to decide. Therefore, the Consumers' Association of Slovenia within the ECRC, the European Commission responsible for credits, has participated in the formulation of general principles of responsible lending. Each principle contains points that explain in detail how to place credit in favor of the consumer. Annual percentage rate can also be manually calculated by mathematical methods like bisection or by Newton's method. APR is defined by the only positive zero of the polynomial, which is defined by equivalence of the future value of lended and returned money. Even easier is to check whether the APR has been calculated correctly what I did for a few examples of loans.