Analiza i ocena spłaty kredytu przy równych ratach kapitałowo-odsetkowych z wykorzystaniem nowych modeli kapitalizacji na przykładzie banku ING Bank Śląski
Analysis and Evaluation of Credit for Equal Installments of Principal and Interest With the Use of New Models of Capitalization on the Example of Bank Ing Bank Śląski

Summary/Abstract: The subject of the article is new strategie of credit allowance by a bank ING Bank Śląski and the rule of credit and interest repay by equal capital instalments have been presented. Plenty of brand new capital models have been found. The models have much slighter increase of capital instalments in time, which are very beneficial, especially in case of long-term loans. The new model of capitalization KOSS have been proposed which due to its high accuracy calculations derived from it can replace the previously used models capitalization. Model capitalization KOSS can be used in the future to the benefit of both the bank as well as for the customer.

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