Mate finanziaria

tasso equivalente mensile ieq = (1,045)^(1/12)-1 = 0,003674809

mensilità versate = n = 35*12 = 420,0

montante M = (R(1+i)^n-1)/i

M = (200*(1+0,003674809)^420-1))/0,003674809 = 199.593,91

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Rendita posticipata

$R= 200\,euro $ rata mensile;

$k=$ frazionamento anno mensile;

$i= 4,5\%;$ (tasso)

$n= 60-25 = 35\,anni$ (periodi);

$M= $ montante;

quindi:

$M= R·\dfrac{(1+i)^{n×k}-1}{i}$

$M= 200·\dfrac{\left(1+\left(1+\frac{4,5}{100}\right)^{\frac{1}{12}}-1\right)^{35×12}-1}{\left(1+\frac{4,5}{100}\right)^{\frac{1}{12}}-1}$

$M= 200·\dfrac{\left(1+\left(1+0,045\right)^{\frac{1}{12}}-1\right)^{420}-1}{\left(1+0,045\right)^{\frac{1}{12}}-1}$

$M= 200·\dfrac{\left(\cancel1+1,045^{\frac{1}{12}}\cancel{-1}\right)^{420}-1}{1,045^{\frac{1}{12}}-1}$

$M= 200·\dfrac{\left(1,045^{\frac{1}{12}}\right)^{420}-1}{1,045^{\frac{1}{12}}-1}$

$M= 199593,91\,euro.$