Фінансово-кредитна діяльність: проблеми теорії та практики (Jun 2018)
CALCULATION METHOD OF COMPANY FULL LOAN VALUE TAKING INTO ACCOUNT INCOMING CASH FLOWS
Abstract
Financial intermediaries with the purpose to sale effectively their loan products successfully combine credit a reduced interest rate on the loan and increased commission, compensate expenses at the expense of insurance companies, raised rates for cash management services and other derivatives of loan services. Despite that, the calculation of full loan value has binding effects only in the provision of consumer loans to commercial banks. The article substantiates the need for financial institutions to inform companies about the estimated total cost of financing. The tax shield is taken into account as input cash flow of the borrower- legal entity in determining the full loan value. Depreciation protection, by analogy, is defined as a part of algorithm calculation which takes into account credit conditions in the process of renewal of fixed assets.
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