annual percentage rate of charge (APRC) -> συνολικό ετήσιο πραγματικό ποσοστό επιβάρυνσης (ΣΕΠΠΕ)

spiros · 1 · 2620


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(Effective) Annual Percentage Rate of Charge (EAR / APRC) -> Συνολικό Ετήσιο Πραγματικό Ποσοστό Επιβάρυνσης (ΣΕΠΠΕ)

The terms annual percentage rate (APR), nominal APR, and effective APR (EAR) describe the interest rate for a whole year (annualized), rather than just a monthly fee/rate, as applied on a loan, mortgage, credit card, etc. It is a finance charge expressed as an annual rate. Those terms have formal, legal definitions in some countries or legal jurisdictions, but in general:

— The nominal APR is the simple-interest rate (for a year).
— The effective APR is the fee+compound interest rate (calculated across a year).

The nominal APR is calculated as: the rate, for a payment period, multiplied by the number of payment periods in a year. However, the exact legal definition of "effective APR", or EAR in short, can vary greatly in each jurisdiction, depending on the type of fees included, such as participation fees, loan origination fees, monthly service charges, or late fees. The effective APR has been called the "mathematically-true" interest rate for each year. The computation for the effective APR, as the fee+compound interest rate, can also vary depending on whether the up-front fees, such as origination or participation fees, are added to the entire amount, or treated as a short-term loan due in the first payment. When start-up fees are paid as first payment(s), the balance due might accrue more interest, as being delayed by the extra payment period(s).

Το ΣΕΠΠΕ είναι ένας εξαιρετικά χρήσιμος δείκτης για τον καταναλωτή διότι, δείχνει υπό την μορφή ποσοστού επί τοις εκατό τη συνολική (περιλαμβάνει όλα τα στοιχεία κόστους της πίστωσης και είναι εξ ορισμού μεγαλύτερο από το απλό ετήσιο επιτόκιο), σε ετήσια βάση, επιβάρυνση που θα έχει από το συγκεκριμένο δάνειο.
« Last Edit: 11 Feb, 2013, 11:43:36 by spiros »


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