CALCULATION METHOD OF COMPANY FULL LOAN VALUE TAKING INTO ACCOUNT INCOMING CASH FLOWS
Financial intermediaries with the purpose to sale effectively their loan products successfully combine credit a reduced interest rate on the loan and increased commission, compensate expenses at the expense of insurance companies, raised rates for cash management services and other derivatives of l...
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| Format: | Article |
| Language: | English |
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FINTECH Alliance LLC
2018-06-01
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| Series: | Фінансово-кредитна діяльність: проблеми теорії та практики |
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| Online Access: | https://fkd.net.ua/index.php/fkd/article/view/1601 |
| _version_ | 1797710193239261184 |
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| author | O. Dobrovolskij |
| author_facet | O. Dobrovolskij |
| author_sort | O. Dobrovolskij |
| collection | DOAJ |
| description |
Financial intermediaries with the purpose to sale effectively their loan products successfully combine credit a reduced interest rate on the loan and increased commission, compensate expenses at the expense of insurance companies, raised rates for cash management services and other derivatives of loan services. Despite that, the calculation of full loan value has binding effects only in the provision of consumer loans to commercial banks.
The article substantiates the need for financial institutions to inform companies about the estimated total cost of financing. The tax shield is taken into account as input cash flow of the borrower- legal entity in determining the full loan value. Depreciation protection, by analogy, is defined as a part of algorithm calculation which takes into account credit conditions in the process of renewal of fixed assets.
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| first_indexed | 2024-03-12T06:48:38Z |
| format | Article |
| id | doaj.art-d64003095e9f418598aafd282bbe26d5 |
| institution | Directory Open Access Journal |
| issn | 2306-4994 2310-8770 |
| language | English |
| last_indexed | 2024-03-12T06:48:38Z |
| publishDate | 2018-06-01 |
| publisher | FINTECH Alliance LLC |
| record_format | Article |
| series | Фінансово-кредитна діяльність: проблеми теорії та практики |
| spelling | doaj.art-d64003095e9f418598aafd282bbe26d52023-09-03T00:27:54ZengFINTECH Alliance LLCФінансово-кредитна діяльність: проблеми теорії та практики2306-49942310-87702018-06-0122510.18371/fcaptp.v2i25.135974CALCULATION METHOD OF COMPANY FULL LOAN VALUE TAKING INTO ACCOUNT INCOMING CASH FLOWSO. Dobrovolskij0Vasyl Stus Donetsk National University, Vinnytsia Financial intermediaries with the purpose to sale effectively their loan products successfully combine credit a reduced interest rate on the loan and increased commission, compensate expenses at the expense of insurance companies, raised rates for cash management services and other derivatives of loan services. Despite that, the calculation of full loan value has binding effects only in the provision of consumer loans to commercial banks. The article substantiates the need for financial institutions to inform companies about the estimated total cost of financing. The tax shield is taken into account as input cash flow of the borrower- legal entity in determining the full loan value. Depreciation protection, by analogy, is defined as a part of algorithm calculation which takes into account credit conditions in the process of renewal of fixed assets. https://fkd.net.ua/index.php/fkd/article/view/1601tax shielddepreciation protectionestimated total loan valuefull loan value«actual» interest rate. |
| spellingShingle | O. Dobrovolskij CALCULATION METHOD OF COMPANY FULL LOAN VALUE TAKING INTO ACCOUNT INCOMING CASH FLOWS Фінансово-кредитна діяльність: проблеми теорії та практики tax shield depreciation protection estimated total loan value full loan value «actual» interest rate. |
| title | CALCULATION METHOD OF COMPANY FULL LOAN VALUE TAKING INTO ACCOUNT INCOMING CASH FLOWS |
| title_full | CALCULATION METHOD OF COMPANY FULL LOAN VALUE TAKING INTO ACCOUNT INCOMING CASH FLOWS |
| title_fullStr | CALCULATION METHOD OF COMPANY FULL LOAN VALUE TAKING INTO ACCOUNT INCOMING CASH FLOWS |
| title_full_unstemmed | CALCULATION METHOD OF COMPANY FULL LOAN VALUE TAKING INTO ACCOUNT INCOMING CASH FLOWS |
| title_short | CALCULATION METHOD OF COMPANY FULL LOAN VALUE TAKING INTO ACCOUNT INCOMING CASH FLOWS |
| title_sort | calculation method of company full loan value taking into account incoming cash flows |
| topic | tax shield depreciation protection estimated total loan value full loan value «actual» interest rate. |
| url | https://fkd.net.ua/index.php/fkd/article/view/1601 |
| work_keys_str_mv | AT odobrovolskij calculationmethodofcompanyfullloanvaluetakingintoaccountincomingcashflows |