Calculating Annuity Loans, Property Credits

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Annuity Loans

An annuity loan is a loan, which is paid back in constant rates. Usually an annuity credit is used for real-estate credits. The rate which can be paid is called annuity A and is the sum of interest payment ZZ and amortization payment TZ. Since by the repayment the credit sum K decreases, also the interest which has to be paid becomes lower, thereby the repayment part TZ in A rises.

A = ZZ + TZ. Because A is constant by definition, TZ rises if ZZ sinks.

The formula for the computation of the annuity generally reads like this:

Quelle: Artikel Annuitaetendarlehen. In: Wikipedia, Die freie Enzyklopaedie. Bearbeitungsstand: 11. November 2005, 08:25 UTC. URL: http://de.wikipedia.org/w/index.php?title=Annuit%C3%A4tendarlehen&oldid=10716861 (Abgerufen: 2. Januar 2006, 20:48 UTC)

Because not everyone likes math, here is a web-formular to answer different questions in the annuity credit scope:

I would like to have paid off a creditsum (K) by an interest rate (z) in n years, how high is my annuity?
K: z: % n:


For my annuity credit (K) forn an a interest rate (z) I pay a monthly rate of (R), my balance of debt is how high after n years?
K: z: % R: n:


I would like a credit (K) for an interest rate (z) with an initial acquittance rate (t), my monthly rate and my balance of debt are how high after (n) years?
K: z: % t: % n: