Klasa EKS_kredit

import platform

platform.platform()

'Linux-4.19.2-1-MANJARO-x86_64-with-arch-Manjaro-Linux'

platform.python_version()

'3.7.1'

Klasa EKS_kredit određuje postotnu godišnju kamatnu stopu i efektivnu kamatnu stopu te izrađuje pripadnu otplatnu tablicu za kredit s jednakim anuitetima. Klasa se instancira na sljedeći način.

EKS_kredit(K,p,n,m,datum,interval,druge_uplate,druge_isplate,isplata_kredita,TSP)

Slijedi opis parametara s kojima se klasa instancira.

K - visina kredita
p - godišnja kamatna stopa
n - vrijeme trajanja kredita, tj. ukupni broj plaćenih anuiteta
m - koliko se puta razdoblje vraćanja anuiteta javlja u godini. Na primjer, ako su anuiteti mjesečni, tada je n=12.
datum - datum odobrenja kredita. To je uređena trojka oblika (dan,mjesec,godina)
interval - interval unutar kojeg se traži postotna godišnja kamatna stopa. To je uređeni par oblika (a0,b0).
druge_uplate - rječnik u kojemu su navedene druge uplate vezane uz kredit. Po defaultu je prazni rječnik. Na primjer, ako imamo da je uplata u trećem razdoblju jednaka 200 i u devetom razdoblju 450, tada napišemo {3:200,9:450}.
druge_isplate - rječnik u kojemu su navedene druge isplate vezane uz kredit. Funkcionira na isti način kao i druge_uplate.
isplata_kredita - rječnik u kojemu su navedeni iznosi tranša ukoliko se kredit isplaćuje u dijelovima. Funkcionira na isti način kao i druge_uplate.
TSP - rječnik u kojemu su navedeni novčani tokovi vezani uz sigurnosni polog. Funkcionira na isti način kao i druge_uplate.

Za određivanje postotne godišnje stope koristi se funkcija bisect iz modula scipy. Za prikazivanje otplatne tablice unutar jupyter notebooka koristi se modul ipy_table. Stoga uz standardnu distribuciju pythona trebaju biti instalirani spomenuti dodatni moduli.

Ukoliko se klasa ne uspije instancirati i pritom javi grešku

ValueError: f(a) and f(b) must have different signs

tada je potrebno promijeniti interval (a0,b0) unutar kojeg se traži postotna godišnja stopa. U većini slučajeva interval (0,20) bude dobar ako je postotna godišnja stopa manja od 20%. U iznimnim slučajevima treba promijeniti granice ovisno o tome koliku postotnu godišnju stopu možemo očekivati.

Učitavanje modula

Datoteka EKS_kredit.py mora biti u radnom direktoriju ili nekom "globalnom" direktoriju.

from EKS_kredit import *

Opcija koja jupyter notebooku govori da sve izlaze s manje od 200 linija prikazuje direktno u prozoru preglednika. Na taj način veće otplatne tablice neće prikazivati u posebnom manjem umetnutom prozoru.

%%javascript
IPython.OutputArea.auto_scroll_threshold = 200;

Primjer 1

kredit1=EKS_kredit(55000,7.45,48,12,(1,1,2016),(0,20),{},{},{},{})

anuitet

kredit1.anuitet

1328.56

postotna godišnja stopa

kredit1.PGS

7.707844857524151

efektivna kamatna stopa

kredit1.EKS

7.707844857524151

otplatna tablica

kredit1.otplatna_tablica()

Primjer 2

kredit2=EKS_kredit(300000,10.75,72,12,(31,1,2008),(0,20),{0:23893.75},{},{},{0:30000})

anuitet

kredit2.anuitet

5671.89

postotna godišnja stopa

kredit2.PGS

14.802350443420664

efektivna kamatna stopa

kredit2.EKS

16.447056048245184

otplatna tablica

kredit2.otplatna_tablica()

k	datum	anuitet	kamate	otplatna kvota	ostatak duga	druge uplate	druge isplate	isplata kredita	NNT	DNNT	DIK	TSP	DTSP
0	1/1/2016				55000	0.00	0.00	55000	-55000.00	-55000.00	55000	0.00	0.00
1	1/2/2016	1328.56	341.46	987.10	54012.90	0.00	0.00	0.00	1328.56	1320.21	0.00	0.00	0.00
2	1/3/2016	1328.56	335.33	993.23	53019.67	0.00	0.00	0.00	1328.56	1312.44	0.00	0.00	0.00
3	1/4/2016	1328.56	329.16	999.40	52020.27	0.00	0.00	0.00	1328.56	1304.19	0.00	0.00	0.00
4	1/5/2016	1328.56	322.96	1005.60	51014.67	0.00	0.00	0.00	1328.56	1296.26	0.00	0.00	0.00
5	1/6/2016	1328.56	316.72	1011.84	50002.83	0.00	0.00	0.00	1328.56	1288.11	0.00	0.00	0.00
6	1/7/2016	1328.56	310.43	1018.13	48984.70	0.00	0.00	0.00	1328.56	1280.27	0.00	0.00	0.00
7	1/8/2016	1328.56	304.11	1024.45	47960.26	0.00	0.00	0.00	1328.56	1272.22	0.00	0.00	0.00
8	1/9/2016	1328.56	297.75	1030.81	46929.45	0.00	0.00	0.00	1328.56	1264.22	0.00	0.00	0.00
9	1/10/2016	1328.56	291.35	1037.21	45892.24	0.00	0.00	0.00	1328.56	1256.53	0.00	0.00	0.00
10	1/11/2016	1328.56	284.91	1043.65	44848.60	0.00	0.00	0.00	1328.56	1248.63	0.00	0.00	0.00
11	1/12/2016	1328.56	278.44	1050.12	43798.47	0.00	0.00	0.00	1328.56	1241.04	0.00	0.00	0.00
12	1/1/2017	1328.56	271.92	1056.64	42741.83	0.00	0.00	0.00	1328.56	1233.23	0.00	0.00	0.00
13	1/2/2017	1328.56	265.36	1063.20	41678.62	0.00	0.00	0.00	1328.56	1225.48	0.00	0.00	0.00
14	1/3/2017	1328.56	258.75	1069.81	40608.82	0.00	0.00	0.00	1328.56	1218.52	0.00	0.00	0.00
15	1/4/2017	1328.56	252.11	1076.45	39532.37	0.00	0.00	0.00	1328.56	1210.86	0.00	0.00	0.00
16	1/5/2017	1328.56	245.43	1083.13	38449.24	0.00	0.00	0.00	1328.56	1203.49	0.00	0.00	0.00
17	1/6/2017	1328.56	238.71	1089.85	37359.39	0.00	0.00	0.00	1328.56	1195.93	0.00	0.00	0.00
18	1/7/2017	1328.56	231.94	1096.62	36262.77	0.00	0.00	0.00	1328.56	1188.65	0.00	0.00	0.00
19	1/8/2017	1328.56	225.13	1103.43	35159.34	0.00	0.00	0.00	1328.56	1181.18	0.00	0.00	0.00
20	1/9/2017	1328.56	218.28	1110.28	34049.06	0.00	0.00	0.00	1328.56	1173.75	0.00	0.00	0.00
21	1/10/2017	1328.56	211.39	1117.17	32931.89	0.00	0.00	0.00	1328.56	1166.61	0.00	0.00	0.00
22	1/11/2017	1328.56	204.45	1124.11	31807.78	0.00	0.00	0.00	1328.56	1159.28	0.00	0.00	0.00
23	1/12/2017	1328.56	197.47	1131.09	30676.69	0.00	0.00	0.00	1328.56	1152.22	0.00	0.00	0.00
24	1/1/2018	1328.56	190.45	1138.11	29538.58	0.00	0.00	0.00	1328.56	1144.98	0.00	0.00	0.00
25	1/2/2018	1328.56	183.39	1145.17	28393.41	0.00	0.00	0.00	1328.56	1137.78	0.00	0.00	0.00
26	1/3/2018	1328.56	176.28	1152.28	27241.12	0.00	0.00	0.00	1328.56	1131.32	0.00	0.00	0.00
27	1/4/2018	1328.56	169.12	1159.44	26081.69	0.00	0.00	0.00	1328.56	1124.21	0.00	0.00	0.00
28	1/5/2018	1328.56	161.92	1166.64	24915.05	0.00	0.00	0.00	1328.56	1117.37	0.00	0.00	0.00
29	1/6/2018	1328.56	154.68	1173.88	23741.17	0.00	0.00	0.00	1328.56	1110.34	0.00	0.00	0.00
30	1/7/2018	1328.56	147.39	1181.17	22560.00	0.00	0.00	0.00	1328.56	1103.59	0.00	0.00	0.00
31	1/8/2018	1328.56	140.06	1188.50	21371.50	0.00	0.00	0.00	1328.56	1096.65	0.00	0.00	0.00
32	1/9/2018	1328.56	132.68	1195.88	20175.62	0.00	0.00	0.00	1328.56	1089.76	0.00	0.00	0.00
33	1/10/2018	1328.56	125.26	1203.30	18972.32	0.00	0.00	0.00	1328.56	1083.13	0.00	0.00	0.00
34	1/11/2018	1328.56	117.79	1210.77	17761.55	0.00	0.00	0.00	1328.56	1076.32	0.00	0.00	0.00
35	1/12/2018	1328.56	110.27	1218.29	16543.26	0.00	0.00	0.00	1328.56	1069.77	0.00	0.00	0.00
36	1/1/2019	1328.56	102.71	1225.85	15317.40	0.00	0.00	0.00	1328.56	1063.04	0.00	0.00	0.00
37	1/2/2019	1328.56	95.10	1233.46	14083.94	0.00	0.00	0.00	1328.56	1056.36	0.00	0.00	0.00
38	1/3/2019	1328.56	87.44	1241.12	12842.82	0.00	0.00	0.00	1328.56	1050.36	0.00	0.00	0.00
39	1/4/2019	1328.56	79.73	1248.83	11593.99	0.00	0.00	0.00	1328.56	1043.76	0.00	0.00	0.00
40	1/5/2019	1328.56	71.98	1256.58	10337.41	0.00	0.00	0.00	1328.56	1037.41	0.00	0.00	0.00
41	1/6/2019	1328.56	64.18	1264.38	9073.03	0.00	0.00	0.00	1328.56	1030.88	0.00	0.00	0.00
42	1/7/2019	1328.56	56.33	1272.23	7800.80	0.00	0.00	0.00	1328.56	1024.61	0.00	0.00	0.00
43	1/8/2019	1328.56	48.43	1280.13	6520.67	0.00	0.00	0.00	1328.56	1018.17	0.00	0.00	0.00
44	1/9/2019	1328.56	40.48	1288.08	5232.59	0.00	0.00	0.00	1328.56	1011.77	0.00	0.00	0.00
45	1/10/2019	1328.56	32.49	1296.07	3936.51	0.00	0.00	0.00	1328.56	1005.61	0.00	0.00	0.00
46	1/11/2019	1328.56	24.44	1304.12	2632.39	0.00	0.00	0.00	1328.56	999.29	0.00	0.00	0.00
47	1/12/2019	1328.56	16.34	1312.22	1320.18	0.00	0.00	0.00	1328.56	993.21	0.00	0.00	0.00
48	1/1/2020	1328.37	8.20	1320.18	0.00	0.00	0.00	0.00	1328.37	986.83	0.00	0.00	0.00

k	datum	anuitet	kamate	otplatna kvota	ostatak duga	druge uplate	druge isplate	isplata kredita	NNT	DNNT	DIK	TSP	DTSP
0	31/1/2008				300000	23893.75	0.00	300000	-276106.25	-276106.25	300000	30000	30000
1	29/2/2008	5671.89	2687.50	2984.39	297015.61	0.00	0.00	0.00	5671.89	5610.02	0.00	0.00	0.00
2	31/3/2008	5671.89	2660.76	3011.13	294004.48	0.00	0.00	0.00	5671.89	5544.63	0.00	0.00	0.00
3	30/4/2008	5671.89	2633.79	3038.10	290966.39	0.00	0.00	0.00	5671.89	5482.08	0.00	0.00	0.00
4	31/5/2008	5671.89	2606.57	3065.32	287901.07	0.00	0.00	0.00	5671.89	5418.18	0.00	0.00	0.00
5	30/6/2008	5671.89	2579.11	3092.78	284808.29	0.00	0.00	0.00	5671.89	5357.06	0.00	0.00	0.00
6	31/7/2008	5671.89	2551.41	3120.48	281687.81	0.00	0.00	0.00	5671.89	5294.62	0.00	0.00	0.00
7	31/8/2008	5671.89	2523.45	3148.44	278539.37	0.00	0.00	0.00	5671.89	5232.90	0.00	0.00	0.00
8	30/9/2008	5671.89	2495.25	3176.64	275362.73	0.00	0.00	0.00	5671.89	5173.87	0.00	0.00	0.00
9	31/10/2008	5671.89	2466.79	3205.10	272157.63	0.00	0.00	0.00	5671.89	5113.56	0.00	0.00	0.00
10	30/11/2008	5671.89	2438.08	3233.81	268923.82	0.00	0.00	0.00	5671.89	5055.87	0.00	0.00	0.00
11	31/12/2008	5671.89	2409.11	3262.78	265661.04	0.00	0.00	0.00	5671.89	4996.94	0.00	0.00	0.00
12	31/1/2009	5671.89	2379.88	3292.01	262369.03	0.00	0.00	0.00	5671.89	4938.70	0.00	0.00	0.00
13	28/2/2009	5671.89	2350.39	3321.50	259047.53	0.00	0.00	0.00	5671.89	4886.68	0.00	0.00	0.00
14	31/3/2009	5671.89	2320.63	3351.26	255696.27	0.00	0.00	0.00	5671.89	4829.72	0.00	0.00	0.00
15	30/4/2009	5671.89	2290.61	3381.28	252315.00	0.00	0.00	0.00	5671.89	4775.23	0.00	0.00	0.00
16	31/5/2009	5671.89	2260.32	3411.57	248903.43	0.00	0.00	0.00	5671.89	4719.58	0.00	0.00	0.00
17	30/6/2009	5671.89	2229.76	3442.13	245461.30	0.00	0.00	0.00	5671.89	4666.33	0.00	0.00	0.00
18	31/7/2009	5671.89	2198.92	3472.97	241988.33	0.00	0.00	0.00	5671.89	4611.94	0.00	0.00	0.00
19	31/8/2009	5671.89	2167.81	3504.08	238484.26	0.00	0.00	0.00	5671.89	4558.19	0.00	0.00	0.00
20	30/9/2009	5671.89	2136.42	3535.47	234948.79	0.00	0.00	0.00	5671.89	4506.76	0.00	0.00	0.00
21	31/10/2009	5671.89	2104.75	3567.14	231381.65	0.00	0.00	0.00	5671.89	4454.23	0.00	0.00	0.00
22	30/11/2009	5671.89	2072.79	3599.10	227782.55	0.00	0.00	0.00	5671.89	4403.98	0.00	0.00	0.00
23	31/12/2009	5671.89	2040.55	3631.34	224151.21	0.00	0.00	0.00	5671.89	4352.65	0.00	0.00	0.00
24	31/1/2010	5671.89	2008.02	3663.87	220487.34	0.00	0.00	0.00	5671.89	4301.92	0.00	0.00	0.00
25	28/2/2010	5671.89	1975.20	3696.69	216790.65	0.00	0.00	0.00	5671.89	4256.60	0.00	0.00	0.00
26	31/3/2010	5671.89	1942.08	3729.81	213060.85	0.00	0.00	0.00	5671.89	4206.99	0.00	0.00	0.00
27	30/4/2010	5671.89	1908.67	3763.22	209297.63	0.00	0.00	0.00	5671.89	4159.53	0.00	0.00	0.00
28	31/5/2010	5671.89	1874.96	3796.93	205500.69	0.00	0.00	0.00	5671.89	4111.04	0.00	0.00	0.00
29	30/6/2010	5671.89	1840.94	3830.95	201669.75	0.00	0.00	0.00	5671.89	4064.66	0.00	0.00	0.00
30	31/7/2010	5671.89	1806.62	3865.27	197804.48	0.00	0.00	0.00	5671.89	4017.29	0.00	0.00	0.00
31	31/8/2010	5671.89	1772.00	3899.89	193904.59	0.00	0.00	0.00	5671.89	3970.46	0.00	0.00	0.00
32	30/9/2010	5671.89	1737.06	3934.83	189969.76	0.00	0.00	0.00	5671.89	3925.67	0.00	0.00	0.00
33	31/10/2010	5671.89	1701.81	3970.08	185999.68	0.00	0.00	0.00	5671.89	3879.91	0.00	0.00	0.00
34	30/11/2010	5671.89	1666.25	4005.64	181994.04	0.00	0.00	0.00	5671.89	3836.14	0.00	0.00	0.00
35	31/12/2010	5671.89	1630.36	4041.53	177952.52	0.00	0.00	0.00	5671.89	3791.43	0.00	0.00	0.00
36	31/1/2011	5671.89	1594.16	4077.73	173874.78	0.00	0.00	0.00	5671.89	3747.24	0.00	0.00	0.00
37	28/2/2011	5671.89	1557.63	4114.26	169760.52	0.00	0.00	0.00	5671.89	3707.77	0.00	0.00	0.00
38	31/3/2011	5671.89	1520.77	4151.12	165609.40	0.00	0.00	0.00	5671.89	3664.55	0.00	0.00	0.00
39	30/4/2011	5671.89	1483.58	4188.31	161421.10	0.00	0.00	0.00	5671.89	3623.21	0.00	0.00	0.00
40	31/5/2011	5671.89	1446.06	4225.83	157195.27	0.00	0.00	0.00	5671.89	3580.98	0.00	0.00	0.00
41	30/6/2011	5671.89	1408.21	4263.68	152931.59	0.00	0.00	0.00	5671.89	3540.58	0.00	0.00	0.00
42	31/7/2011	5671.89	1370.01	4301.88	148629.71	0.00	0.00	0.00	5671.89	3499.31	0.00	0.00	0.00
43	31/8/2011	5671.89	1331.47	4340.42	144289.30	0.00	0.00	0.00	5671.89	3458.52	0.00	0.00	0.00
44	30/9/2011	5671.89	1292.59	4379.30	139910.00	0.00	0.00	0.00	5671.89	3419.50	0.00	0.00	0.00
45	31/10/2011	5671.89	1253.36	4418.53	135491.47	0.00	0.00	0.00	5671.89	3379.65	0.00	0.00	0.00
46	30/11/2011	5671.89	1213.78	4458.11	131033.36	0.00	0.00	0.00	5671.89	3341.52	0.00	0.00	0.00
47	31/12/2011	5671.89	1173.84	4498.05	126535.31	0.00	0.00	0.00	5671.89	3302.57	0.00	0.00	0.00
48	31/1/2012	5671.89	1133.55	4538.34	121996.96	0.00	0.00	0.00	5671.89	3264.08	0.00	0.00	0.00
49	29/2/2012	5671.89	1092.89	4579.00	117417.96	0.00	0.00	0.00	5671.89	3228.47	0.00	0.00	0.00
50	31/3/2012	5671.89	1051.87	4620.02	112797.94	0.00	0.00	0.00	5671.89	3190.84	0.00	0.00	0.00
51	30/4/2012	5671.89	1010.48	4661.41	108136.53	0.00	0.00	0.00	5671.89	3154.85	0.00	0.00	0.00
52	31/5/2012	5671.89	968.72	4703.17	103433.36	0.00	0.00	0.00	5671.89	3118.07	0.00	0.00	0.00
53	30/6/2012	5671.89	926.59	4745.30	98688.07	0.00	0.00	0.00	5671.89	3082.90	0.00	0.00	0.00
54	31/7/2012	5671.89	884.08	4787.81	93900.26	0.00	0.00	0.00	5671.89	3046.96	0.00	0.00	0.00
55	31/8/2012	5671.89	841.19	4830.70	89069.56	0.00	0.00	0.00	5671.89	3011.45	0.00	0.00	0.00
56	30/9/2012	5671.89	797.91	4873.98	84195.58	0.00	0.00	0.00	5671.89	2977.47	0.00	0.00	0.00
57	31/10/2012	5671.89	754.25	4917.64	79277.94	0.00	0.00	0.00	5671.89	2942.77	0.00	0.00	0.00
58	30/11/2012	5671.89	710.20	4961.69	74316.25	0.00	0.00	0.00	5671.89	2909.57	0.00	0.00	0.00
59	31/12/2012	5671.89	665.75	5006.14	69310.11	0.00	0.00	0.00	5671.89	2875.66	0.00	0.00	0.00
60	31/1/2013	5671.89	620.90	5050.99	64259.12	0.00	0.00	0.00	5671.89	2842.14	0.00	0.00	0.00
61	28/2/2013	5671.89	575.65	5096.24	59162.89	0.00	0.00	0.00	5671.89	2812.20	0.00	0.00	0.00
62	31/3/2013	5671.89	530.00	5141.89	54021.00	0.00	0.00	0.00	5671.89	2779.42	0.00	0.00	0.00
63	30/4/2013	5671.89	483.94	5187.95	48833.05	0.00	0.00	0.00	5671.89	2748.07	0.00	0.00	0.00
64	31/5/2013	5671.89	437.46	5234.43	43598.62	0.00	0.00	0.00	5671.89	2716.04	0.00	0.00	0.00
65	30/6/2013	5671.89	390.57	5281.32	38317.30	0.00	0.00	0.00	5671.89	2685.39	0.00	0.00	0.00
66	31/7/2013	5671.89	343.26	5328.63	32988.67	0.00	0.00	0.00	5671.89	2654.09	0.00	0.00	0.00
67	31/8/2013	5671.89	295.52	5376.37	27612.30	0.00	0.00	0.00	5671.89	2623.16	0.00	0.00	0.00
68	30/9/2013	5671.89	247.36	5424.53	22187.77	0.00	0.00	0.00	5671.89	2593.57	0.00	0.00	0.00
69	31/10/2013	5671.89	198.77	5473.12	16714.65	0.00	0.00	0.00	5671.89	2563.34	0.00	0.00	0.00
70	30/11/2013	5671.89	149.74	5522.15	11192.49	0.00	0.00	0.00	5671.89	2534.42	0.00	0.00	0.00
71	31/12/2013	5671.89	100.27	5571.62	5620.87	0.00	0.00	0.00	5671.89	2504.88	0.00	0.00	0.00
72	31/1/2014	5671.22	50.35	5620.87	0.00	0.00	0.00	0.00	5671.22	2475.39	0.00	0.00	0.00