To identify the problems of insufficient reproduction or identifying factors ...
In order for the average system to fully function, it needs additional and permanent sources of financing. In addition to its own funds, the company can take advantage of the funds raised by the credit institutions. For example, an entrepreneur or the head of the company may well contact a bank and arrange a commercial loan or take a consumer loan.
Each client can independently determine the amount of interest rate so that in the future it is optimal. At the same time, the difference in indicators in different banks seriously complicates the choice of a suitable option. In this regard, such an indicator is used as a weighted average interest rate on loans. Our article will be devoted to how this term is determined, as well as which formulas are used to calculate this indicator. For a few words, we will say about the use of the final indicator.
The weighted average loan rate may have a different definition given at what level it is used. For example, when it comes to a financial enterprise, this indicator will be determined as the value of all loans previously issued and obtained. In other words, we are talking about the average cost of the loan portfolio. This indicator is considered within the company for analyzing the effectiveness of the company's activities.
If we talk about this indicator as a component of a common banking system, then the term will mean the cost of all loans in all banks of the Russian Federation. An indicator of this level uses the Central Bank of the Russian Federation to determine the effectiveness and success of the banking system. In addition, the average rate can be used as a criterion for assessing the dynamics of credit policy promotion in the country.
What types of loans are involved in determining the indicator?
The calculation of the average is compulsory, and this approach is due to the need to analyze the company's overall activity. With the help of simple indicators characterizing the lending procedure, the calculations will be impossible. In this regard, experts conducting calculations are focused on various groups of loans issued in banks.
In particular, we are talking about such loans:
- provided for a long period of time;
- decorated in the short term;
- investment;
- funds issued by banks as negotiable assets.
Additionally, it is worth noting that the average interest rate can be calculated by the Central Bank of the Russian Federation separately for physical. Persons and separately for companies. Both indicators are available for general use. For example, last year this indicator amounted to about 15% per annum.
What purpose do the average cost of loans calculate?
In order for banking institutions to work as stable as much as possible, it is necessary that they can control their own liquidity. In this case, we are talking about the real possibility of assets to be implemented at any convenient moment. In essence, this means that property can be sold in the shortest possible time at a market price.
When analyzing the current liquidity, the company may detect excess liquidity, that is, when there are many such assets. To effectively use these funds, you can give them as interbank loans. The situation is considered in the opposite way when banks have low liquidity assets and are forced to attract assets on the side.
When determining interest rates, the classic rule of Keynes is used, namely the connection of supply and proposals. This moment determines the need to calculate the average loan rate. For example, the indicator allows you to respond in a timely manner to change the provisions of the financial market, as well as to establish the need to increase or decrease interest rates on the loan.
What formula is used for calculations?
To correctly determine the indicator, you must use the special formula. The calculation scheme is significantly different from the definition of a simple average value. Not only the interest rate is plays a significant role here, but also the loan amount. The formula is as follows:
ATP \u003d σ (K * P) / ΣК, where:
- ATP - a weighted average percentage;
- To - lending balance;
- P - credit rate
To understand the procedure for calculations, it is worth using a practical example. Suppose there are three loans, and each of their own parameters:
- 1 - 15 million rubles. under 10%;
- 2 - 10 million rubles at 8%, but 8 million were already returned;
- 3 - 2 million rubles for 15% with a loan residue 1.5 million.
The calculation will look like this:
ATP \u003d (15 * 0,1 + 8 * 0.08 + 1.5 * 0.15) / (15 + 8 + 1.5) * 100% \u003d 0.097 * 100% \u003d 9.7%, that is, The average is about 10%. Interest rates on currency loans are determined similarly, however, when evaluated, it is necessary to take into account the course of the Central Bank of the Russian Federation.
Conclusion
Summing up, it is worth noting that the procedure for calculating the weighted average indicator is quite simple. To do this, it is necessary to know the main criteria for credit products and be able to use the special formula.
In the conditions of constant fluctuations in the market and stock exchanges, many inhabitants of our country prefer to trust the preservation and increase in equity to banks. To do this, they use a deposit deposit system. Similarly, there are some organizations, especially when they have unclaimed monetary units in a particular time interval.
What caused such interest in bank deposits? First of all, the ability to save and slightly increase the amount of the deposit. But there is a relatively low risks of great importance that shows the calculation in the banking system. It is important and presence of deposit program selection:
- Long-term investments to the requirement;
- Urgent investments.
However, it is important not only to choose the type of deposit correctly, but also to correctly define the bank with which to cooperate. And then the choice depends largely on what interest rate is offered by the Bank and how it belongs to the weighted average rate.
What is a weighted average interest rate?
The average mining interest rate on deposits is the average rate for all deposits in a certain currency among banks in the country. At the same time, deposits with different investment periods and various conditions are calculated.
The weighted average rate is also a great way to determine the liquidity and reliability of the contribution. Thus, the percentage above the average level cause joy and instant desire to invest only in inexperienced depositors. The rest of the investors understand that in most cases there is a catching proposition.
For example, a common practice among structures on the verge of bankruptcy is to attract the maximum amount of capital in an attempt to solve their problems. Such banks are ready to take risks and pay for their wonderful getting rid of the problems of high courses for dividends. But what are the chances that the bank will draw yourself out of the puchin, and will not leave for the bottom, having dragging and your money? After all, today the amount of compensation is only seven hundred thousand rubles.
However, the situation does not always look so crying. Sometimes high deposit rates are connected with favorable moments:
- Holidays;
- Anniversary of the bank;
- Offered by young, but quite reliable structures.
How to properly calculate the average mining rate of deposits?
The calculation of the average market interest rate on deposits assumes that it is necessary to take into account all the proposals on the market, summarize them and the result is divided into the number of source banks. That is, we get the following formula:
F \u003d ((n_1 + n_2 + ⋯ + n_n)) / n
- F is a weighted average interest rate;
- N - bank bid;
- n - Number of banks.
The calculation can be used to analyze the liquidity and feasibility of your investment.
In the modern economy, it is possible to calculate not only the average market interest rate in the country, but also to calculate in the framework of a particular bank, the investment portfolio. It should be considered:
- Capitalization period of interest;
- Deposit type;
- Interest rate.
| Parameters | Parameters | Description |
|---|---|---|
| Type of investment | To demand | Such deposits include deposits that have no clearly defined finite investment period. Just money is returned to the depositor at its request. At the same time, interest on such accounts is lower than on urgent deposits. |
| Urgent investments | Contribution on a strictly defined period. He has a fairly high interest rate, which makes it attractive. But there is also a disadvantage: when trying to the early seizure of funds from turnover, penalties are applied to the depository, right up to full reset of all dividends. | |
| Capitalization period | 1 month | |
| 1 quarter | Usually, accruals with such a period indicate their frequency, which means it is a complicated percentage. They are characterized by the fact that they are accrued with a certain interval throughout the entire period of investment. For example: a deposit is open for 1 year with complex percentages and a period of capitalization in the 1st quarter. So dividends will be accrued 4 times a year. | |
| At the end of the period | Investments of this type are distinguished by the fact that dividends are accrued at the end of the contribution. That is, if the invoice is open for a period of 3 years, then dividends will be accrued once, after three years from the date of opening an account. Cases when this type of dividend accrual is applied, called contributions with simple percentages. |
|
| Interest rate | A specific interest rate determines which amount of dividends will occur in. However, it must be carefully analyzed by comparing with an average interest rate. If we talk about the end of 2014, then on deposits in the domestic currency, the average markets were: · About 9% for short-term investments; · 9.7% for long-term investments; · Three and thirty-three in the percentage period for dividends, with an investment period before the calculation requirement. Actual information can always be found in the Publications of the Central Bank. |
Methods for calculating the weighted average portfolio rate
For portfolio investments, such a concept as a mid-term interest rate is also applicable. It is calculated for all deposits, and the method of holding calculations depends on which deposits are in the portfolio: there is a question of simple percentages or complex. Although, naturally, their influence has 
other indicators:
- Deposit amount;
- Investment period;
- Capitalization period for complex interest;
- Deposit rate.
When it comes to the contribution that is capitalized at the end of the term where simple percentages work, the size of dividends is calculated according to the following algorithm:
- The amount of investment must be multiplied by the interest rate per year;
- The result of the 1st point is multiplied by the investment period in days;
- The product is divided by 365, and the obtained private divided by 100.
Work with complex interest harder:
- Calculate the total deposit amount taking into account the capitalized amount according to the scheme with light interest. The capital gained to accept for the volume of investments;
- The volume of investments multiply by an annual interest rate;
- The work is multiplied by the period of capitalization period in days;
- The result is divided by 365 and 100;
- Received privately received for the size of the final dividends for 1 year.
Thus, the calculation of the weighted average interest rate on the deposit allows not only to analyze and correctly assess the situation in the market and within the banking system. It also serves to assess specific contributions and calculating the monetization of dividends.
To obtain accurate information regarding the total value of all loans. This value is based on the amount of loans provided and their timing.
Calculation of the weighted average interest rate on loans
Many mistakenly believe that the rate of the formula is calculated:
ICR. \u003d (X1 + x2 + x3 + xn) / n,
where x1, x2, x3 ... xn - existing interest rates, in one of the banks;
n is the total number of rates.
However, these calculations will lead to an average value, but not to the weighted average. In order to correctly calculate the last indicator, it should be remembered that the cost of using the credit loan directly depends on its sum.
According to this information, it can be concluded that if the company has loans in a loan portfolio in very large sizes, but with minor interest, the total price of all existing loans falls sharply down.
Stripping from such a principle, and it was decided to calculate not average value, but weighted average.
Credit portfolio
The loan portfolio is an indicator of the aggregate debt on the basis of one enterprise for all active lending operations for a certain period.
You can learn the value of the weighted average loan rate for the remaining debt in each individual loan agreement.
The correct formula looks like this:
ISR.VZ. \u003d Sum. (Sost. * Іtec.) / Sum.Sost.,
where Sost. - the balance of credit debt;
Item. - Current interest rate.
For convenience, the calculation is carried out in Excel tables using a special formula "Summipatic".
Consumers note!
- It is important to remember that the weighted average loan rate is not constant and depending on a number of reasons and operations, can change its borders. Influenced by a decrease or contrary, increasing the indicator:
- full repayment on the principal debt;
- the company received another tranche or a new loan;
- one loan has changed its parameters, and the annual rate has also changed.
- In order to fully own information regarding current credit portfolio cases in one of the banks chosen by you, it is necessary to carefully monitor the slightest changes in the indicator of the weighted average rate.
- The erroneous view is common that the weighted average interest rate on loans decaying. Makes more favorable conditions for the use of lending resources by improving the financial condition of the entire enterprise. By no means. After analyzing all the factors that have an impact on the bid, experts managed to draw up a plan, according to which the price for the ability to spend visible funds, seeks to minimal size. Adhering to the following points, each client can benefit from catching the moment and make a loan on optimal conditions or translate the existing lending program in a more comfortable channel.
- conclude agreements on the loan agreement for receipt;
- right tactics - First, close the debts that were decorated at the highest (of all existing in your name) percentages;
- if it is impossible to immediately deal with loans on the "expensive" rates, then it is advisable to take attempts to replace (refinance or restructured, for example) to more loyal conditions;
- reduce or reduce annual on current loans (it is possible to obtain a consultation in one of the banks, as they often conduct similar shares, especially for customers with a good credit history);
- clearly and competently plan their schedule of calculated operations to return debt in such a way that by the end of the repayment period, you have only those loans that provide for minimal rates.
- The weighted average rate on loans is the most complete reflection of the real value of all the resources of a financial organization that is engaged in issuing loans. Most often, it is this value that shows how efficiently all employees of the structure-enforcement structure are able to work, because their immediate obligations include the maximum decline in prices for the opportunity to use the funds of a credit company to attract more customers and increasing money circulation.
The magnitude of the weighted average rate in Russia
It is impossible to answer unambiguously on this question, since each region operates with its indicators. In addition, depending on the type of loan design (mortgage, car loan, consumer purposes), these characteristics vary also.
Why is the discrepancy? Because every financial institution, pushing away from the rules of its internal policy, puts absolutely different conditions under the credit programs - someone increases the bet, someone prolongs the repayment period, and some require mandatory registration of several types of insurance and ensure their loan by collateral Real estate or other values.
In order not to get into the trap of high percent and long deferment, it is necessary to prepare in advance and explore the information.
Today, the Internet provides an excellent opportunity to get acquainted with all existing banks and their suggestions.
In a matter of seconds, all parameters of the desired loan calculate and with accuracy to the ruble will display all alleged payments.
Focusing on the average rates on the programs of each bank, you can easily establish a weighted average rate (using the formula).
And when the company is calculated independently, then it remains only to choose the most optimal option for your case, and boldly go for money for your needs, whether it is to buy household appliances or the first stone in the starting business.
The full functioning of the average company is possible if it has additional and permanent financing sources. The company can enjoy both its own resources and attract funds from credit institutions. For example, the head of the firm or entrepreneur may contact the bank in order to issue a consumer loan or a commercial loan.
The size of the interest rate is defined by each client individually. At the same time, the choice of the optimal option may be difficult due to the difference in indicators in different banks. For this reason, the indicator of the weighted average interest rate on loans is used. The method of determining the term and formulas for its calculation is standardized and applied in all banks.
Definition of the term
Weighted average interest rates on loans provided are formed depending on the level of their use. An indicator of a financial enterprise is defined as the cumulative value of previously issued and received loans. Simply put, under this term implies the average price of the loan portfolio. The indicator is considered within the company in order to analyze the effectiveness of its activities.
Within the framework of the general banking system, the term denotes the total value of all loans in all banks of the country. The success and efficiency of the banking system is determined on the basis of an indicator of this level. The weighted average interest rate can also be used as a criterion for assessing the dynamics of credit policy promotion.
Types of loans to determine the indicator
The weighted average interest rate of the Central Bank of the Russian Federation on loans is calculated necessarily, which is due to the need to analyze the company's activities. The required calculations cannot be performed using simple indicators characterizing the lending procedure. For this reason, experts take into account the various categories of loans issued in banks during settlements.
In particular, such loans are applied:
- With a long installment period.
- Investment.
- Provided for a short time period.
- The funds issued by the Bank in the form of current assets.
It is worth noting that the weighted average interest rate of the Central Bank of the Russian Federation is calculated for individuals and companies. Both indicators are in public domain: For example, last year the indicator was 15% per annum.
What is included in the assets of banks?
To estimate the liquidity of a credit institution, it is necessary to know what is included in their assets. Under the assets of the bank, the resources belonging to the organization are implied. The company may dispose of them at its own discretion.
Bank assets include:
- Own resources.
- Monetary balances on settlement accounts belonging to legal entities and individuals.
- Deposit accounts belonging to organizations.
- Private contributions.
- Interbank and similar credit products.
Excessively liquid bank falling out of equilibrium begins to lose its profit, since the free funds can be used in turnover and start receiving the percentage of profits from them, but for the time interval that money was on the bill, they were useless cargo, and not worked.
Why calculate the average cost of loans
Commercial financial institutions of Russia regulate their own liquidity, attracting third-party resources or by placing the existing funds from them outside the bank. Resources of commercial banks are considered:
- Start-up capital.
- Deposit contracts of enterprises.
- Cash balances on settlement or current bank accounts belonging to legal entities and / or individuals.
- Bank deposits of the population.
- Other loans, including interbanks.
Excessively liquid commercial financial institution may issue interbank loans to other structures with less liquidity. With a lack of liquidity, on the contrary, commercial banks resort to interbank lending in order to attract resources.
Weighted average interest rates of interbank loans directly depend on equilibrium demand and finance proposal on the market. At the same time, interbank credit transactions influence the value of loans for individuals and the effectiveness of financial organizations.
For this reason, the volume of credit operations on the credit market is regularly monitored and regulated by the Central Bank of the Russian Federation. He carefully corrects interest rates on loans.
The timely and adequate response of the Central Bank of Russia on changes in liquidity in the banking system of the state and the value of national resources is possible only with the regular and correct calculation of the indicators of the weighted average interest rate affecting interbank credit organizations.
Formulas for calculations
The parameter of the weighted average interest rate on loans to individuals and companies is calculated by a special formula. The definition of a standard average value differs from the interest rate calculation scheme: the amount of the loan is played in it. Formula for calculation Next:
ATP \u003d σ (K * P) / ΣК, where:
- ATP - Weighted average interest rate.
- K is the balance of a loan account.
- P - credit rate.
Example calculations
The practical example will allow to understand the correct procedure for calculations. You can take three loans with different parameters:
- The first loan in the amount of 15 million rubles is 10%.
- The second - in the amount of 10 million rubles at 8% with the condition that 8 million were already returned.
- The third - in the amount of 2 million rubles under 15% with a loan residue of 1.5 million.
The calculations made according to the above formula allow you to say that the value of the weighted average interest rate is about 10%. Interest rates for currency loans are defined in a similar way, however, when calculating them, the main course of the Central Bank of the Russian Federation is taken into account.
Lowering average percentage of loans
The most efficient use of attracted financial resources is possible with a minimal weighted average interest rate. To maintain it at a low level, you must adhere to several rules:
- Registration of loans for the minimum interest rate.
- To give priority loans with a high interest rate.
- Refinancing or restructuring a loan subject to increasing interest rates during the credit period.
- The debt repayment schedule is compiled in such a way that only loans with low interest rates remain at the end of the deadline.
Within one enterprise, weighted average interest rates should be under strict control. Such a strategy makes it appropriate to distribute the company's resources and maintain the effectiveness of its activities.
A similar rule refers to the magnitude of credit resources in the country, since the effectiveness of the financial system of the state directly depends on the weighted average rate. Tracking and adjusting the rate is engaged in the Central Bank.
RESULTS
The procedure for calculating the weighted average indicator is quite simple. It is desirable to know the main criteria for credit products and be able to use a special formula.
The average mining interest rate on deposits is the average rate for all deposits in a certain currency among banks in the country. At the same time, deposits with different investment periods and various conditions are calculated.
The weighted average rate is also a great way to determine the liquidity and reliability of the contribution. Thus, the percentage above the average level cause joy and instant desire to invest only in inexperienced depositors. The rest of the investors understand that in most cases there is a catching proposition.
For example, a common practice among structures on the verge of bankruptcy is to attract the maximum amount of capital in an attempt to solve their problems. Such banks are ready to take risks and pay for their wonderful getting rid of the problems of high courses for dividends. But what are the chances that the bank will draw yourself out of the puchin, and will not leave for the bottom, having dragging and your money? After all, today the amount of compensation is only seven hundred thousand rubles.
However, the situation does not always look so crying. Sometimes high deposit rates are connected with favorable moments:
- Holidays;
- Anniversary of the bank;
- Offered by young, but quite reliable structures.
How to properly calculate the average mining rate of deposits?
The calculation of the average market interest rate on deposits assumes that it is necessary to take into account all the proposals on the market, summarize them and the result is divided into the number of source banks. That is, we get the following formula:
F \u003d ((n_1 + n_2 + ⋯ + n_n)) / n
- F is a weighted average interest rate;
- N - bank bid;
- n - Number of banks.
The calculation can be used to analyze the liquidity and feasibility of your investment.
In the modern economy, it is possible to calculate not only the average market interest rate in the country, but also to calculate in the framework of a particular bank, the investment portfolio. It should be considered:
- Capitalization period of interest;
- Deposit type;
- Interest rate.
| Parameters | Parameters | Description |
|---|---|---|
| Type of investment | To demand | Such deposits include deposits that have no clearly defined finite investment period. Just money is returned to the depositor at its request. At the same time, interest on such accounts is lower than on urgent deposits. |
| Urgent investments | Contribution on a strictly defined period. He has a fairly high interest rate, which makes it attractive. But there is also a disadvantage: when trying to the early seizure of funds from turnover, penalties are applied to the depository, right up to full reset of all dividends. | |
| Capitalization period | 1 month | |
| 1 quarter | Usually, accruals with such a period indicate their frequency, which means it is a complicated percentage. They are characterized by the fact that they are accrued with a certain interval throughout the entire period of investment. For example: a deposit is open for 1 year with complex percentages and a period of capitalization in the 1st quarter. So dividends will be accrued 4 times a year. | |
| At the end of the period | Investments of this type are distinguished by the fact that dividends are accrued at the end of the contribution. That is, if the invoice is open for a period of 3 years, then dividends will be accrued once, after three years from the date of opening an account. Cases when this type of dividend accrual is applied, called contributions with simple percentages. |
|
| Interest rate | A specific interest rate determines which amount of dividends will occur in. However, it must be carefully analyzed by comparing with an average interest rate. If we talk about the end of 2014, then on deposits in the domestic currency, the average markets were: · About 9% for short-term investments; · 9.7% for long-term investments; · Three and thirty-three in the percentage period for dividends, with an investment period before the calculation requirement. Actual information can always be found in the Publications of the Central Bank. |
Methods for calculating the weighted average portfolio rate
For portfolio investments, such a concept as a mid-term interest rate is also applicable. It is calculated for all deposits, and the method of holding calculations depends on which deposits are in the portfolio: there is a question of simple percentages or complex. Although, naturally, their influence has 
other indicators:
- Deposit amount;
- Investment period;
- Capitalization period for complex interest;
- Deposit rate.
When it comes to the contribution that is capitalized at the end of the term where simple percentages work, the size of dividends is calculated according to the following algorithm:
- The amount of investment must be multiplied by the interest rate per year;
- The result of the 1st point is multiplied by the investment period in days;
- The product is divided by 365, and the obtained private divided by 100.
Work with complex interest harder:
- Calculate the total deposit amount taking into account the capitalized amount according to the scheme with light interest. The capital gained to accept for the volume of investments;
- The volume of investments multiply by an annual interest rate;
- The work is multiplied by the period of capitalization period in days;
- The result is divided by 365 and 100;
- Received privately received for the size of the final dividends for 1 year.
Thus, the calculation of the weighted average interest rate on the deposit allows not only to analyze and correctly assess the situation in the market and within the banking system. It also serves to assess specific contributions and calculating the monetization of dividends.
An example of a formula for calculating the weighted average interest rate in Excel
Suppose we need to know the weighted average interest rate of the investment portfolio. Below in the figure shows the original full investment portfolio. For each investment, its meaning and interest rate of profitability are indicated. Suppose we need to determine the total interest rate of profitability for the entire investment portfolio. To determine the level of profitability of the portfolio in percent, we use the following formula:
In order to calculate the weighted average interest rate, the share for each investment facility in the total value of the portfolio is multiplied by the interest rate of profitability. The function of the Summary is ideally suited to multiply two data sets (arrays) with subsequent summation of the results. The function can have a maximum number of argument up to 255, separated by a semicolon. But in this formula, it is necessary to use only 2 arguments.
In the first argument, the cost of all investments divided into their amount is indicated, which gives five percentages representing the weight of each investment in the portfolio. The Pioneer Foundation of Eastern Europe has a share of 17%, which was calculated as a result of dividing the amounts of 72021.35 at 423,655.02. The second function argument contains interest rates of profitability for each investment. The function of the Summaging multiplies each element from the first argument to the corresponding element from the second argument. The element B2 / B7 is multiplied by C2, element B3 / B7 on C3, etc. After multiplying all five elements, the function summarizes the results.
If, to calculate the average interest rate rate of profitability, the function of the SRVNOV was simply used, as a result of its calculations, we would get a value of 5.906%. This is actually less important than the indicator of the weighted average interest rate of the portfolio. For example, the investment "Fund Top Brands" has a large profitability percentage, as well as a large share in the investment portfolio than other positions.
How to calculate the weighted average interest rate in Excel step by step
In the above example, all computing operations are implemented using the Summage function during the calculation of the weighted average. These calculations can be implemented and using simple functions recorded in adjacent adjacent cells. Below in the figure shows the same calculations as in the previous example, but instead of the size function, a slightly different method is used. In separate cells, a portfolio share is calculated for each individual investment, after which the effect of each percent of profitability on the final result is calculated, and at the end all the results are summed up by the usual function of the amounts.
The Excel program is the most universal analytical tool that is perfect for the performance of statistical data analyzes. For this, Excel has a large arsenal of special statistical functions. Next, we consider the formulas for the employees to analyze statistical data, for example, for their averaging, segmentation or calculating frequency charts.
What purpose do the average cost of loans calculate?
In order for banking institutions to work as stable as much as possible, it is necessary that they can control their own liquidity. In this case, we are talking about the real possibility of assets to be implemented at any convenient moment. In essence, this means that property can be sold in the shortest possible time at a market price.
When analyzing the current liquidity, the company may detect excess liquidity, that is, when there are many such assets. To effectively use these funds, you can give them as interbank loans. The situation is considered in the opposite way when banks have low liquidity assets and are forced to attract assets on the side.
When determining interest rates, the classic rule of Keynes is used, namely the connection of supply and proposals. This moment determines the need to calculate the average loan rate. For example, the indicator allows you to respond in a timely manner to change the provisions of the financial market, as well as to establish the need to increase or decrease interest rates on the loan.
What formula is used for calculations?
To correctly determine the indicator, you must use the special formula. The calculation scheme is significantly different from the definition of a simple average value. Not only the interest rate is plays a significant role here, but also the loan amount. The formula is as follows:
ATP \u003d σ (K * P) / ΣК, where:
- ATP - a weighted average percentage;
- To - lending balance;
- P - credit rate
To understand the procedure for calculations, it is worth using a practical example. Suppose there are three loans, and each of their own parameters:
- 1 - 15 million rubles. under 10%;
- 2 - 10 million rubles at 8%, but 8 million were already returned;
- 3 - 2 million rubles for 15% with a loan residue 1.5 million.
The calculation will look like this:
ATP \u003d (15 * 0,1 + 8 * 0.08 + 1.5 * 0.15) / (15 + 8 + 1.5) * 100% \u003d 0.097 * 100% \u003d 9.7%, that is, The average is about 10%. Interest rates on currency loans are determined similarly, however, when evaluated, it is necessary to take into account the course of the Central Bank of the Russian Federation.
Summing up, it is worth noting that the procedure for calculating the weighted average indicator is quite simple. To do this, it is necessary to know the main criteria for credit products and be able to use the special formula.
Consumers note!
- It is important to remember that the weighted average loan rate is not constant and depending on a number of reasons and operations, can change its borders. Influenced by a decrease or contrary, increasing the indicator:
- full repayment on the principal debt;
- the company received another tranche or a new loan;
- one loan has changed its parameters, and the annual rate has also changed.
- In order to fully own information regarding current credit portfolio cases in one of the banks chosen by you, it is necessary to carefully monitor the slightest changes in the indicator of the weighted average rate.
- The erroneous view is common that the weighted average interest rate on loans decaying. Makes more favorable conditions for the use of lending resources by improving the financial condition of the entire enterprise. By no means. After analyzing all the factors that have an impact on the bid, experts managed to draw up a plan, according to which the price for the ability to spend visible funds, seeks to minimal size. Adhering to the following points, each client can benefit from catching the moment and make a loan on optimal conditions or translate the existing lending program in a more comfortable channel.
- conclude agreements on the loan agreement to receive a loan at the lowest rates;
- right tactics - First, close the debts that were decorated at the highest (of all existing in your name) percentages;
- if it is impossible to immediately deal with loans on the "expensive" rates, then it is advisable to take attempts to replace (refinance or restructured, for example) to more loyal conditions;
- reduce or reduce annual on current loans (it is possible to obtain a consultation in one of the banks, as they often conduct similar shares, especially for customers with a good credit history);
- clearly and competently plan their schedule of calculated operations to return debt in such a way that by the end of the repayment period, you have only those loans that provide for minimal rates.
- The weighted average rate on loans is the most complete reflection of the real value of all the resources of a financial organization that is engaged in issuing loans. Most often, it is this value that shows how efficiently all employees of the structure-enforcement structure are able to work, because their immediate obligations include the maximum decline in prices for the opportunity to use the funds of a credit company to attract more customers and increasing money circulation.
The magnitude of the weighted average rate in Russia
It is impossible to answer unambiguously on this question, since each region operates with its indicators. In addition, depending on the type of loan design (mortgage, car loan, consumer purposes), these characteristics vary also.
Why is the discrepancy? Because every financial institution, pushing away from the rules of its internal policy, puts absolutely different conditions under the credit programs - someone increases the bet, someone prolongs the repayment period, and some require mandatory registration of several types of insurance and ensure their loan by collateral Real estate or other values.
In order not to get into the trap of high percent and long deferment, it is necessary to prepare in advance and explore the information.
Today, the Internet provides an excellent opportunity to get acquainted with all existing banks and their suggestions. An online calculator in a matter of seconds will calculate all the parameters of the desired loan and with accuracy to the ruble will display all alleged payments. Focusing on the average rates on the programs of each bank, you can easily establish a weighted average rate (using the formula).
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