BANK KREDIT FOIZLARINING MATEMATIK AHAMIYATI ANUITET VA DIFFERENSIAL SO’NDIRISH USULLARINING MATEMATIK MODELI
DOI:
https://doi.org/10.00000/w9p1bg26Keywords:
Loan interest, simple interest, compound interest, annuity payment, differential repayment, time value of money, discounting, interest rate, amortization schedule, credit burden.Abstract
This article examines the mathematical nature of bank loan interest rates and the mathematical models of annuity and differential repayment methods. Loan interest is considered as an economic category closely related to the time value of money, risk level, and inflation. The study analyzes credit calculations based on simple and compound interest formulas. The annuity model is described through the mathematical expression of equal periodic payments and their structural components. In contrast, the differential repayment method is analyzed by considering equal principal repayments and interest calculated on the remaining balance. The impact of both models on the total interest burden is evaluated through mathematical comparison. The results of the research are important for assessing credit burden, constructing amortization schedules, and making optimal financial decisions.
