Lainalaskuri
Hieman lainatyypeistä
- Annuiteetti on lainatyyppi, jossa kuukausittaiset
takaisinmaksuerät ovat yhtä suuria. Lyhennyksen ja
koron summa on vakio, mistä seuraa että lyhennyksen osuus on alussa
pieni ja koron suurempi. Toisin sanoen lyhennysjaksossa (joka on yleensä kuukausi)
rahoituslaitokselle sovitaan maksettavaksi aina sama määrä. Tästä määrästä rahoituslaitos ottaa ensin itselleen
lainan koron, ja lyhentää maksuerästä jäljelle jääneellä määrällä lainan pääomaa.
Lyhennyksen osuus kasvaa laina-ajan kuluessa
samalla kun koron osuus laskee. Koronmuutos vaikuttaa
takaisinmaksuerään, ei laina-aikaan.
- Tasaerä, josta käytetään myös nimitystä kiinteä annuiteetti, eroaa annuiteetista siten että kaikki
takaisinmaksuerät ovat koko laina-ajan yhtä suuria koron muutoksista
huolimatta. Jos korko nousee, laina-aika pitenee ja
jos korko laskee, laina-aika lyhenee. Maksuerän suuruus ja sen jakautuminen koron ja
lyhennyksen kesken on sama kuin annuiteetissa.
- Tasalyhennys on lainatyyppi, jossa kaikki lyhennykset ovat
samansuuruisia.
Koron osuus muuttuu, ja on lähtökohtaisesti suurin ensimmäisen
maksuerän kohdalla. Tämä on sopiva vaihtoehto, jos voi laina-ajan
alussa maksaa suurempia takaisinmaksueriä kuin myöhemmin. Kannattaa
kuitenkin muistaa, että korkojen noustessa myös maksettava korko
nousee, ja takaisinmaksuerä voi siten kasvaa kesken laina-ajan.
- Kertalyhenteinen eli ns. bullet-laina ei ole juurikaan käytössä asuntolainoituksessa. Laskuriin ei ole otettu tätä vaihtoehtoa.
Maksuerälaskuriin
Laina-aikalaskuriin
Lainavertailulaskuriin
Lainan määrä -laskuriin
Korkolaskuriin
© 2009
Viimeksi muokattu 4.3.2011 09:48
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