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It is a digital tool designed to simulate the installment amount required to repay a loan, typically based on the French amortization system.

Main Features

This application allows you to determine the monthly payment by entering specific parameters:

• Loan Amount: The total amount requested as a loan.

• Interest Rate: The annual interest rate applied.

• Term of the Plan: Total number of installments.

• Payment Frequency: Monthly, annual, etc.

It provides a quick and accurate calculation to help plan your financial commitments efficiently.

It is a digital tool designed to simulate a loan repayment schedule, typically based on the French amortization system.

Main Features

This application allows you to determine the monthly payment by entering specific parameters:

• Loan Amount: The total amount requested.

• Interest Rate: The annual interest rate applied.

• Term of the Plan: Total number of installments.

• Payment Frequency: Monthly, annual, etc.

Generated Results

In addition to the individual installment amount, the tool provides:

• Amortization Schedule: A detailed table showing the breakdown between principal and interest for each installment.

The online tool for calculating TAN and APR (TAEG) is a financial simulation application that allows users to compare the actual cost of different mortgages. While a standard installment calculator focuses on the monthly payment, this tool evaluates the overall cost-effectiveness of the loan.

Program Components

The application calculates two related but distinct indicators:

• TAN (Nominal Annual Rate): Represents the “pure interest rate” applied by the bank on the loan principal. It is the rate used to calculate the interest portion of each monthly installment.

• TAEG (Annual Percentage Rate of Charge / Effective Annual Rate): The main indicator for consumers, as it expresses the total real cost of the mortgage on an annual percentage basis. It includes the TAN plus all mandatory additional fees.

Required Input Parameters

To provide an accurate calculation, the tool requires the following inputs:

• Loan amount and term of the amortization plan.

• Processing fees: Costs for opening the loan application.

• Appraisal fees: Cost of property valuation.

• Mandatory insurance: For example, fire and explosion insurance.

• Management fees: Costs for collecting installments and sending periodic communications.

Why Comparison Is Essential

In today’s market, TAEG is the only tool that allows you to compare two offers with the same TAN but different additional costs. For example, a mortgage with a lower TAN could end up being more expensive if the TAEG is high due to hefty processing fees or insurance costs.

The online tool for calculating a leasing amortization schedule is a technical application that simulates the repayment of a financing arrangement for the use of an asset. Unlike standard mortgage calculators, it handles specific variables such as the initial lump-sum payment (maxicanone) and the final buyout price.

Features and Input Parameters

Unlike a standard loan, this application requires specific data to define the financial plan:

• Asset Value: The purchase price of the asset under the contract.

• Initial Lump-Sum Payment (Maxicanone): An optional first payment higher than subsequent installments, which reduces the capital to be financed.

• Buyout Price: The amount to be paid at the end of the contract to acquire ownership of the asset, usually ranging from 1% to 40% of the total value.

• Interest Rate (Leasing Factor): The rate applied to the principal portion.

• Payment Frequency and Term: Number of installments and their cadence (monthly, quarterly, etc.).

Calculation Results

The software generates a detailed schedule that includes:

• Installment Breakdown: Each payment is split into principal and interest portions (often calculated using the French amortization method).

• APR (TAEG – Annual Percentage Rate): The real cost of the lease, including additional fees and financial charges.

This is a TAN and APR (TAEG) Leasing Calculator application designed for professionals, consultants, and entrepreneurs who need to quickly evaluate the actual cost of a financial lease directly from their smartphone.

How the Application Works

The application processes the complex structure of a leasing contract to extract the real rates:

• Structured Input: Allows users to enter the asset price, upfront payment (maxicanone), final buyout value, and number of installments.

• TAN Calculation (Nominal Annual Rate): Calculates the pure interest rate applied to the installments.

• TAEG / ISC Calculation: The most critical function; the app adds all additional costs (processing fees, installment collection fees, mandatory insurance policies, and appraisal costs) to the nominal rate to provide the real annual cost.

The Normal Value of Buildings Calculator is a technical-fiscal tool used by appraisers, notaries, and real estate professionals to determine the reference value of a property according to the criteria established by the Italian Revenue Agency (Agenzia delle Entrate).

Unlike a simple market valuation, the “normal value” is used to define the tax base for calculating taxes (such as VAT or registration tax) and to prevent fiscal assessments due to discrepancies between the declared price and market values.

Features and Input Parameters

The application performs the calculation by cross-referencing various technical data:

• OMI Quotations: Direct access to the Real Estate Market Observatory (Osservatorio del Mercato Immobiliare) database to obtain minimum and maximum €/sqm values by area and property type.

• Commercial Surface Area: Calculation of the total area applying weighting coefficients established by regulations.

• Merit Coefficients: Parameters that influence the value based on floor level, state of conservation, orientation, energy class, and finishes.

The Periodic to Annual Interest Rate Conversion application is an essential financial tool for determining the real cost of a transaction when interest is applied not annually but over fractions of a year (months, quarters, semesters).

In financial contexts, such applications are crucial for distinguishing between the nominal rate (TAN) and the effective rate, taking into account compound interest (anatocism).

Main Calculation Functions

The application allows conversions based on:

• Conversion with Compound Interest (Effective Rate):
  This is the most important function for savers, as it calculates the rate that accounts for interest capitalization in each period.

  Formula:
  [
  i_\text{annual} = (1 + i_\text{periodic})^n – 1
  ]
  (where n is the number of periods in a year)

  Example: A monthly rate of 1% with compound capitalization corresponds to an effective annual rate of 12.68%.

App Features

• Flexible Input: Enter the periodic rate and select the frequency (monthly, bimonthly, quarterly, four-monthly, or semiannual).

• Inverse Calculation: Enter the annual rate to derive the equivalent periodic rate (useful for banks and consultants setting up amortization plans).

• Immediate Comparison: View the difference between the nominal rate and the effective rate to assess the annual cost impact.

The Annual to Periodic Interest Rate Conversion application is a technical-financial tool used to break down an annual interest rate (TAN) into portions applicable to periods shorter than a year (months, quarters, semesters).

This operation is essential for constructing customized amortization plans or verifying the accuracy of interest charged on a monthly basis by banks and financial institutions.

Types of Conversion

The application handles calculations according to standard financial mathematics:

• Compound Interest Regime (Equivalent Rates):
  This is the most accurate and complex calculation, used for mortgages and leasing. The app uses the root formula to determine the rate which, when compounded for n periods, exactly matches the nominal annual rate.