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本帖最后由 TSBOY 于 2020-5-6 22:50 编辑
失忆空间 发表于 2020-5-6 22:37 
请看一下我的理解，看看对不对
comparison rate里面的杂费是以15万贷款为基准，如果真实贷款额是100万 ...
comparison rate计算中金额和年费对其影响很大。但是呢，这个rate是给人用来比较的，所以这个rate必须是同样年数，同样金额才能方便别人比，这俩因素相同差额就体现在各个银行的cost上了。所以银行也不给你100W的comparison rate.至于这个是随着贷款额度和贷款时长变高还是变低请看下面公式：
我放弃了哥们，图片在下面
The comparison rate is calculated using the formula:
where:
n is the number of repayments per annum to be made under the credit contract (annualised if the term of the contract is less than 12 months), except that:
(a) if repayments are to be made weekly, n is 52.18; and
(b) if repayments are to be made fortnightly, n is 26.09; and
(c) if the contract does not provide for a constant interval between repayments, n is to be derived from the interval selected for the purposes of the definition of j .
r is the solution of:
javascript:;
where:
A j is the amount of credit to be provided under the contract at time j (the value of j for the provision of the first amount of credit is taken to be zero).
"C j is the fee or charge (if any) payable by the debtor at time j in addition to the repayments R j" , being a credit fee or charge (other than a government fee, charge or duty) that is ascertainable when the comparison rate is disclosed (whether or not the credit fee or charge is payable if the credit is not provided).
"j" is the time, measured as a multiple (not necessarily integral) of the interval between contractual repayments that will have elapsed since the first amount of credit is provided under the credit contract, except that if the contract does not provide for a constant interval between repayments an interval of any kind is to be selected by the credit provider as the unit of time.
"R j is the repayment to be made at time j" .
"t" is the time, measured as a multiple of the interval between contractual repayments (or other interval so selected) that will elapse between the time when the first amount of credit is provided and the time when the last repayment is to be made under the contract. |
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