Wykorzystanie nowych modeli kapitalizacji do oceny spłaty kredytu przy równych ratach kapitałowo-odsetkowych na przykładzie Banku Pekao SA
Use of new models of capitalization for the evaluation of the credit equal installments of capital and interest on the example of Bank PEKAO S.A.

Summary/Abstract: The subject of the article is a new strategy of credit allowance by Bank PEKAO S.A. and the rule of credit and interest repay by equal capital instalments. A lot of brand new capital models have been found. The models have much slighter increase of capital instalments in time, which is beneficial, especially in case of long-term loans. The new model of capitalization ”KOSS” has been proposed which due to its high accuracy calculations derived from it can replace the previously used capitalization models. Capitalization model „KOSS” can be used in future to the benefit of both the bank as well as customers.

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