[et_pb_section fb_built=”1″ admin_label=”Hero” _builder_version=”4.27.5″ _module_preset=”default” use_background_color_gradient=”on” background_color_gradient_stops=”#ffffff 20%|rgba(255,255,255,0.31) 100%” background_color_gradient_overlays_image=”on” background_image=”http:\/\/fiscoffice.it\/wp-content\/uploads\/2026\/01\/team-work-process-young-business-managers-crew-working-with-new-startup-project-laptop-wood-table-typing-keyboard-texting-message-analyse-graph-plans-scaled.jpg” custom_padding=”8vw||||false|false” locked=”off” collapsed=”on” global_colors_info=”{}”][et_pb_row _builder_version=”4.24.2″ _module_preset=”5138c454-be54-4233-bd3b-f8e6a8747976″ locked=”off” global_colors_info=”{}”][et_pb_column type=”4_4″ _builder_version=”4.23.1″ _module_preset=”73121f80-a3ef-4484-8763-c3f18e3c56d2″ global_colors_info=”{}”][et_pb_heading title=”Advanced Financial Tools” _builder_version=”4.27.5″ _module_preset=”f0c675ea-2574-4d0e-b725-30f8550a8550″ title_text_color=”gcid-2eebb6e7-aab4-4a21-a254-2fe8df3269b3″ locked=”off” global_colors_info=”{%22gcid-2eebb6e7-aab4-4a21-a254-2fe8df3269b3%22:%91%22title_text_color%22%93}”][\/et_pb_heading][et_pb_heading title=”Optimize Your Financial Decisions” _builder_version=”4.27.5″ _module_preset=”ddeb8c09-9078-4424-bc15-2efb6572e28e” locked=”off” global_colors_info=”{}”][\/et_pb_heading][et_pb_text _builder_version=”4.27.5″ _module_preset=”2c55a9c4-feed-423b-9edb-ae0b5b365cac” text_font_size_tablet=”16px” text_font_size_phone=”16px” text_font_size_last_edited=”on|tablet” locked=”off” global_colors_info=”{}”]<\/p>\n
Explore our tools for calculating installments, amortization schedules, and interest rates, designed to simplify your financial management.<\/p>\n
[\/et_pb_text][\/et_pb_column][\/et_pb_row][et_pb_row column_structure=”2_3,1_3″ custom_padding_last_edited=”on|phone” _builder_version=”4.27.5″ _module_preset=”5138c454-be54-4233-bd3b-f8e6a8747976″ background_color=”gcid-primary-color” custom_margin=”8vw||||false|false” custom_padding=”30px|30px|30px|30px|true|true” custom_padding_tablet=”30px|30px|30px|30px|true|true” custom_padding_phone=”20px|20px|20px|20px|true|true” border_radii=”on|6px|6px|6px|6px” locked=”off” global_colors_info=”{%22gcid-primary-color%22:%91%22background_color%22%93}”][et_pb_column type=”2_3″ _builder_version=”4.27.5″ _module_preset=”73121f80-a3ef-4484-8763-c3f18e3c56d2″ background_color=”gcid-primary-color” global_colors_info=”{%22gcid-primary-color%22:%91%22background_color%22%93}”][et_pb_heading title=”Enhance Your Financial Planning” _builder_version=”4.27.5″ _module_preset=”ba4a6336-701f-47b8-bf5c-09da0ce28016″ title_text_color=”#FFFFFF” title_font_size_tablet=”24px” title_font_size_phone=”20px” locked=”off” global_colors_info=”{}”][\/et_pb_heading][\/et_pb_column][et_pb_column type=”1_3″ _builder_version=”4.16.0″ _module_preset=”73121f80-a3ef-4484-8763-c3f18e3c56d2″ global_colors_info=”{}”][et_pb_button button_url=”#utility” button_text=”Get Started Now” button_alignment=”right” button_alignment_tablet=”left” button_alignment_phone=”left” button_alignment_last_edited=”on|desktop” _builder_version=”4.27.5″ _module_preset=”ab15fb74-61a3-43aa-96b3-41e09aeef654″ button_use_icon=”off” global_colors_info=”{%22gcid-primary-color%22:%91%22button_text_color%22,%22button_text_color%22,%22button_text_color%22,%22button_text_color%22,%22button_text_color%22%93,%22gcid-secondary-color%22:%91%22button_bg_color__hover%22%93}” button_bg_color__hover_enabled=”on|hover” button_bg_color__hover=”#2a9d8f” button_bg_enable_color__hover=”on” button_text_color__hover_enabled=”on|hover” button_text_color__hover=”#FFFFFF”][\/et_pb_button][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=”1″ admin_label=”Services” _builder_version=”4.18.0″ _module_preset=”default” custom_padding=”0px||||false|false” locked=”off” collapsed=”on” global_colors_info=”{}”][et_pb_row column_structure=”1_2,1_2″ _builder_version=”4.23″ _module_preset=”5138c454-be54-4233-bd3b-f8e6a8747976″ custom_padding=”0px||0px||true|false” global_colors_info=”{}”][et_pb_column type=”1_2″ _builder_version=”4.23″ _module_preset=”73121f80-a3ef-4484-8763-c3f18e3c56d2″ custom_padding=”60px||60px||true|false” custom_padding_tablet=”0px||0px||true|false” custom_padding_phone=”0px||0px||true|false” custom_padding_last_edited=”on|desktop” global_colors_info=”{}”][et_pb_heading title=”Available Tools” _builder_version=”4.27.5″ _module_preset=”f0c675ea-2574-4d0e-b725-30f8550a8550″ title_text_color=”gcid-2eebb6e7-aab4-4a21-a254-2fe8df3269b3″ custom_margin_tablet=”10px||||false|false” custom_margin_phone=”10px||10px||false|false” custom_margin_last_edited=”on|desktop” locked=”off” global_colors_info=”{%22gcid-2eebb6e7-aab4-4a21-a254-2fe8df3269b3%22:%91%22title_text_color%22%93}”][\/et_pb_heading][et_pb_heading title=”Financial Tools” _builder_version=”4.27.5″ _module_preset=”c33f07d9-41e0-421a-8799-5799df695cce” title_font_size_tablet=”40px” title_font_size_phone=”24px” locked=”off” global_colors_info=”{}”][\/et_pb_heading][\/et_pb_column][et_pb_column type=”1_2″ _builder_version=”4.17.3″ _module_preset=”73121f80-a3ef-4484-8763-c3f18e3c56d2″ global_colors_info=”{}”][et_pb_image src=”https:\/\/images.unsplash.com\/photo-1762318986860-a7b18dd0da02?ixid=M3w1ODkyNzF8MHwxfHNlYXJjaHw3fHxmaW5hbmNpYWwlMjBjYWxjdWxhdGlvbnN8ZW58MHwwfHx8MTc2ODQ3NjkyNHww&ixlib=rb-4.1.0&fm=webp&fit=crop&crop=entropy&w=800&h=600&q=20&dpr=2″ title_text=”800×600″ _builder_version=”4.24.3″ _module_preset=”6ed8fd5c-62c5-4100-98c3-7b8b6d2c2ee6″ global_colors_info=”{}”][\/et_pb_image][\/et_pb_column][\/et_pb_row][et_pb_row disabled_on=”on|on|on” module_id=”utility” _builder_version=”4.27.5″ 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custom_padding=”10px||10px|10px|false|false” title_font_size_tablet=”22px” title_font_size_phone=”18px” title_font_size_last_edited=”on|tablet” border_radii=”on|10px|10px|10px|10px” box_shadow_style=”preset1″ box_shadow_color=”rgba(0,0,0,0.2)” global_colors_info=”{}” title_text_color__hover_enabled=”on|hover” title_text_color__hover=”#FFFFFF” background__hover_enabled=”on|hover” background_color__hover=”#264653″ background_enable_color__hover=”on”][\/et_pb_heading][et_pb_heading title=”Calculate Mortgage Nominal and Effective Annual Interest Rates (TAN & APR)” _builder_version=”4.27.5″ _module_preset=”default” title_text_color=”#000000″ title_font_size=”30px” custom_padding=”10px||10px|10px|false|false” title_font_size_tablet=”22px” title_font_size_phone=”18px” border_radii=”on|10px|10px|10px|10px” box_shadow_style=”preset1″ box_shadow_color=”rgba(0,0,0,0.2)” global_colors_info=”{}” title_text_color__hover_enabled=”on|hover” title_text_color__hover=”#FFFFFF” background__hover_enabled=”on|hover” background_color__hover=”#264653″ background_enable_color__hover=”on”][\/et_pb_heading][et_pb_heading title=”Leasing Amortization Schedule Calculation” _builder_version=”4.27.5″ _module_preset=”default” title_font_size=”30px” custom_padding=”10px||10px|10px|false|false” title_font_size_tablet=”22px” title_font_size_phone=”18px” title_font_size_last_edited=”on|desktop” border_radii=”on|10px|10px|10px|10px” box_shadow_style=”preset1″ box_shadow_color=”rgba(0,0,0,0.2)” global_colors_info=”{}” title_text_color__hover_enabled=”on|hover” title_text_color__hover=”#FFFFFF” background__hover_enabled=”on|hover” background_color__hover=”#264653″ background_enable_color__hover=”on”][\/et_pb_heading][et_pb_heading title=”Calculate Leasing Nominal and Effective Annual Rates (TAN & APR)” _builder_version=”4.27.5″ _module_preset=”default” title_font_size=”30px” custom_padding=”10px||10px|10px|false|false” title_font_size_tablet=”22px” title_font_size_phone=”18px” title_font_size_last_edited=”on|tablet” border_radii=”on|10px|10px|10px|10px” box_shadow_style=”preset1″ box_shadow_color=”rgba(0,0,0,0.2)” global_colors_info=”{}” title_text_color__hover_enabled=”on|hover” title_text_color__hover=”#FFFFFF” background__hover_enabled=”on|hover” background_color__hover=”#264653″ background_enable_color__hover=”on”][\/et_pb_heading][et_pb_heading title=”Calculation of the Normal Value of Buildings” _builder_version=”4.27.5″ _module_preset=”default” title_font_size=”30px” custom_padding=”10px||10px|10px|false|false” title_font_size_tablet=”22px” title_font_size_phone=”18px” title_font_size_last_edited=”on|tablet” border_radii=”on|10px|10px|10px|10px” box_shadow_style=”preset1″ box_shadow_color=”rgba(0,0,0,0.2)” global_colors_info=”{}” title_text_color__hover_enabled=”on|hover” title_text_color__hover=”#FFFFFF” background__hover_enabled=”on|hover” background_color__hover=”#264653″ background_enable_color__hover=”on”][\/et_pb_heading][et_pb_heading title=”Conversion of Periodic Interest Rate to Annual Interest Rate” _builder_version=”4.27.5″ _module_preset=”default” title_font_size=”30px” custom_padding=”10px||10px|10px|false|false” title_font_size_tablet=”22px” title_font_size_phone=”18px” title_font_size_last_edited=”on|tablet” border_radii=”on|10px|10px|10px|10px” box_shadow_style=”preset1″ box_shadow_color=”rgba(0,0,0,0.2)” global_colors_info=”{}” title_text_color__hover_enabled=”on|hover” title_text_color__hover=”#FFFFFF” background__hover_enabled=”on|hover” background_color__hover=”#264653″ background_enable_color__hover=”on”][\/et_pb_heading][et_pb_heading title=”Conversion of Annual Interest Rate to Periodic Interest Rate” _builder_version=”4.27.5″ _module_preset=”default” title_font_size=”30px” custom_padding=”10px||10px|10px|false|false” title_font_size_tablet=”22px” title_font_size_phone=”18px” title_font_size_last_edited=”on|tablet” border_radii=”on|10px|10px|10px|10px” box_shadow_style=”preset1″ box_shadow_color=”rgba(0,0,0,0.2)” global_colors_info=”{}” title_text_color__hover_enabled=”on|hover” title_text_color__hover=”#FFFFFF” background__hover_enabled=”on|hover” background_color__hover=”#264653″ background_enable_color__hover=”on”][\/et_pb_heading][\/et_pb_column][\/et_pb_row][et_pb_row _builder_version=”4.27.5″ _module_preset=”default” custom_margin=”20px||||false|false” custom_padding=”|20px||20px|false|false” border_radii=”on|10px|10px|10px|10px” box_shadow_style=”preset1″ global_colors_info=”{}”][et_pb_column type=”4_4″ _builder_version=”4.27.5″ _module_preset=”default” global_colors_info=”{}”][et_pb_blurb title=”Fixed-Rate Mortgage Calculation” _builder_version=”4.27.5″ _module_preset=”default” header_level=”h2″ header_font=”–et_global_heading_font|600|||||||” header_text_color=”gcid-2eebb6e7-aab4-4a21-a254-2fe8df3269b3″ header_font_size=”30px” header_font_size_tablet=”22px” header_font_size_phone=”18px” body_font_size_tablet=”16px” body_font_size_phone=”17px” body_font_size_last_edited=”on|phone” global_colors_info=”{%22gcid-body-color%22:%91%22body_text_color%22%93,%22gcid-primary-color%22:%91%22body_link_text_color%22,%22icon_color%22%93,%22gcid-2eebb6e7-aab4-4a21-a254-2fe8df3269b3%22:%91%22header_text_color%22%93}”]<\/p>\n
It is a digital tool designed to simulate the installment amount required to repay a loan, typically based on the French amortization system.<\/p>\n
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This application allows you to determine the monthly payment by entering specific parameters:<\/p>\n
<\/p>\n
Loan Amount:<\/strong> The total amount requested as a loan.<\/p>\n<\/li>\n Interest Rate:<\/strong> The annual interest rate applied.<\/p>\n<\/li>\n Term of the Plan:<\/strong> Total number of installments.<\/p>\n<\/li>\n Payment Frequency:<\/strong> Monthly, annual, etc.<\/p>\n<\/li>\n<\/ul>\n <\/p>\n It provides a quick and accurate calculation to help plan your financial commitments efficiently.<\/p>\n [\/et_pb_blurb][et_pb_button button_url=”https:\/\/www.studiofedericociaccio.it\/ad87d6987fda6sdsd76f8a797\/Calcolo_Rata_Costante_Mutuo.asp” url_new_window=”on” button_text=”Calculate” button_alignment=”right” _builder_version=”4.27.6″ _module_preset=”default” button_use_icon=”off” hover_enabled=”0″ global_colors_info=”{%22gcid-primary-color%22:%91%22button_bg_color%22,%22button_bg_color%22%93,%22gcid-2eebb6e7-aab4-4a21-a254-2fe8df3269b3%22:%91%22button_bg_color__hover%22%93}” button_bg_color__hover_enabled=”on|hover” button_bg_color__hover=”#c11b31″ button_bg_enable_color__hover=”on” sticky_enabled=”0″][\/et_pb_button][\/et_pb_column][\/et_pb_row][et_pb_row _builder_version=”4.27.5″ _module_preset=”default” custom_margin=”20px||||false|false” custom_margin_tablet=”20px||||false|false” custom_margin_phone=”20px||||false|false” custom_margin_last_edited=”on|phone” custom_padding=”|20px||20px|false|false” border_radii=”on|10px|10px|10px|10px” box_shadow_style=”preset1″ global_colors_info=”{}”][et_pb_column type=”4_4″ _builder_version=”4.27.5″ _module_preset=”default” global_colors_info=”{}”][et_pb_blurb title=”Fixed-Rate Mortgage Amortization Schedule Calculation” url=”https:\/\/www.studiofedericociaccio.it\/ad87d6987fda6sdsd76f8a797\/Calcolo_Ammortamento_Mutuo.asp” url_new_window=”on” _builder_version=”4.27.5″ _module_preset=”default” header_level=”h2″ header_font=”–et_global_heading_font|600|||||||” header_text_color=”gcid-2eebb6e7-aab4-4a21-a254-2fe8df3269b3″ header_font_size=”30px” header_font_size_tablet=”22px” header_font_size_phone=”18px” body_font_size_tablet=”16px” body_font_size_phone=”17px” body_font_size_last_edited=”on|phone” global_colors_info=”{%22gcid-body-color%22:%91%22body_text_color%22%93,%22gcid-primary-color%22:%91%22body_link_text_color%22,%22icon_color%22%93,%22gcid-2eebb6e7-aab4-4a21-a254-2fe8df3269b3%22:%91%22header_text_color%22%93}”]<\/p>\n It is a digital tool designed to simulate a loan repayment schedule, typically based on the French amortization system.<\/p>\n <\/p>\n <\/p>\n This application allows you to determine the monthly payment by entering specific parameters:<\/p>\n <\/p>\n Loan Amount:<\/strong> The total amount requested.<\/p>\n<\/li>\n Interest Rate:<\/strong> The annual interest rate applied.<\/p>\n<\/li>\n Term of the Plan:<\/strong> Total number of installments.<\/p>\n<\/li>\n Payment Frequency:<\/strong> Monthly, annual, etc.<\/p>\n<\/li>\n<\/ul>\n <\/p>\n <\/p>\n In addition to the individual installment amount, the tool provides:<\/p>\n <\/p>\n Amortization Schedule:<\/strong> A detailed table showing the breakdown between principal and interest for each installment.<\/p>\n<\/li>\n<\/ul>\n [\/et_pb_blurb][et_pb_button button_url=”https:\/\/www.studiofedericociaccio.it\/ad87d6987fda6sdsd76f8a797\/Calcolo_Ammortamento_Mutuo.asp” url_new_window=”on” button_text=”Calculate” button_alignment=”right” _builder_version=”4.27.5″ _module_preset=”default” button_use_icon=”off” global_colors_info=”{%22gcid-primary-color%22:%91%22button_bg_color%22,%22button_bg_color%22%93,%22gcid-2eebb6e7-aab4-4a21-a254-2fe8df3269b3%22:%91%22button_bg_color__hover%22%93}” button_bg_color__hover_enabled=”on|hover” button_bg_color__hover=”#c11b31″ button_bg_enable_color__hover=”on”][\/et_pb_button][\/et_pb_column][\/et_pb_row][et_pb_row _builder_version=”4.27.5″ _module_preset=”default” custom_margin=”20px||0px||false|false” custom_padding=”|20px||20px|false|false” border_radii=”on|10px|10px|10px|10px” box_shadow_style=”preset1″ global_colors_info=”{}”][et_pb_column type=”4_4″ _builder_version=”4.27.5″ _module_preset=”default” global_colors_info=”{}”][et_pb_blurb title=”Calculate Mortgage Nominal and Effective Annual Interest Rates (TAN & APR)” url=”https:\/\/www.studiofedericociaccio.it\/ad87d6987fda6sdsd76f8a797\/Calcolo_Tan_Taeg_Mutuo.asp” url_new_window=”on” _builder_version=”4.27.5″ _module_preset=”default” header_level=”h2″ header_font=”–et_global_heading_font|600|||||||” header_text_color=”gcid-2eebb6e7-aab4-4a21-a254-2fe8df3269b3″ header_font_size=”30px” header_font_size_tablet=”22px” header_font_size_phone=”18px” body_font_size_tablet=”16px” body_font_size_phone=”17px” body_font_size_last_edited=”on|phone” global_colors_info=”{%22gcid-body-color%22:%91%22body_text_color%22%93,%22gcid-primary-color%22:%91%22body_link_text_color%22,%22icon_color%22%93,%22gcid-2eebb6e7-aab4-4a21-a254-2fe8df3269b3%22:%91%22header_text_color%22%93}”]<\/p>\n The online tool for calculating TAN and APR (TAEG)<\/strong> 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.<\/p>\n <\/p>\n <\/p>\n <\/p>\n The application calculates two related but distinct indicators:<\/p>\n <\/p>\n TAN (Nominal Annual Rate):<\/strong> Represents the \u201cpure interest rate\u201d applied by the bank on the loan principal. It is the rate used to calculate the interest portion of each monthly installment.<\/p>\n<\/li>\n TAEG (Annual Percentage Rate of Charge \/ Effective Annual Rate):<\/strong> 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.<\/p>\n<\/li>\n<\/ul>\n <\/p>\n <\/p>\n <\/p>\n To provide an accurate calculation, the tool requires the following inputs:<\/p>\n <\/p>\n Loan amount<\/strong> and term of the amortization plan.<\/p>\n<\/li>\n Processing fees:<\/strong> Costs for opening the loan application.<\/p>\n<\/li>\n Appraisal fees:<\/strong> Cost of property valuation.<\/p>\n<\/li>\n Mandatory insurance:<\/strong> For example, fire and explosion insurance.<\/p>\n<\/li>\n Management fees:<\/strong> Costs for collecting installments and sending periodic communications.<\/p>\n<\/li>\n<\/ul>\n <\/p>\n <\/p>\n <\/p>\n In today\u2019s market, TAEG<\/strong> 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.<\/p>\n [\/et_pb_blurb][et_pb_button button_url=”https:\/\/www.studiofedericociaccio.it\/ad87d6987fda6sdsd76f8a797\/Calcolo_Tan_Taeg_Mutuo.asp” url_new_window=”on” button_text=”Calculate” button_alignment=”right” _builder_version=”4.27.5″ _module_preset=”default” button_use_icon=”off” global_colors_info=”{%22gcid-primary-color%22:%91%22button_bg_color%22,%22button_bg_color%22%93,%22gcid-2eebb6e7-aab4-4a21-a254-2fe8df3269b3%22:%91%22button_bg_color__hover%22%93}” button_bg_color__hover_enabled=”on|hover” button_bg_color__hover=”#c11b31″ button_bg_enable_color__hover=”on”][\/et_pb_button][\/et_pb_column][\/et_pb_row][et_pb_row _builder_version=”4.27.5″ _module_preset=”default” custom_margin=”20px||0px||false|false” custom_padding=”|20px||20px|false|false” border_radii=”on|10px|10px|10px|10px” box_shadow_style=”preset1″ global_colors_info=”{}”][et_pb_column type=”4_4″ _builder_version=”4.27.5″ _module_preset=”default” global_colors_info=”{}”][et_pb_blurb title=”Leasing Amortization Schedule Calculation” url=”https:\/\/www.studiofedericociaccio.it\/ad87d6987fda6sdsd76f8a797\/calcolo_ammortamento_leasing.asp” url_new_window=”on” _builder_version=”4.27.5″ _module_preset=”default” header_level=”h2″ header_font=”–et_global_heading_font|600|||||||” header_text_color=”gcid-2eebb6e7-aab4-4a21-a254-2fe8df3269b3″ header_font_size=”30px” header_font_size_tablet=”22px” header_font_size_phone=”18px” body_font_size_tablet=”16px” body_font_size_phone=”17px” body_font_size_last_edited=”on|phone” global_colors_info=”{%22gcid-body-color%22:%91%22body_text_color%22%93,%22gcid-primary-color%22:%91%22body_link_text_color%22,%22icon_color%22%93,%22gcid-2eebb6e7-aab4-4a21-a254-2fe8df3269b3%22:%91%22header_text_color%22%93}”]<\/p>\n The online tool for calculating a leasing amortization schedule<\/strong> 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.<\/p>\n <\/p>\n <\/p>\n <\/p>\n Unlike a standard loan, this application requires specific data to define the financial plan:<\/p>\n <\/p>\n Asset Value:<\/strong> The purchase price of the asset under the contract.<\/p>\n<\/li>\n Initial Lump-Sum Payment (Maxicanone):<\/strong> An optional first payment higher than subsequent installments, which reduces the capital to be financed.<\/p>\n<\/li>\n Buyout Price:<\/strong> 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.<\/p>\n<\/li>\n Interest Rate (Leasing Factor):<\/strong> The rate applied to the principal portion.<\/p>\n<\/li>\n Payment Frequency and Term:<\/strong> Number of installments and their cadence (monthly, quarterly, etc.).<\/p>\n<\/li>\n<\/ul>\n <\/p>\n <\/p>\n <\/p>\n The software generates a detailed schedule that includes:<\/p>\n <\/p>\n Installment Breakdown:<\/strong> Each payment is split into principal and interest portions (often calculated using the French amortization method).<\/p>\n<\/li>\n APR (TAEG \u2013 Annual Percentage Rate):<\/strong> The real cost of the lease, including additional fees and financial charges.<\/p>\n<\/li>\n<\/ul>\n [\/et_pb_blurb][et_pb_button button_url=”https:\/\/www.studiofedericociaccio.it\/ad87d6987fda6sdsd76f8a797\/calcolo_ammortamento_leasing.asp” url_new_window=”on” button_text=”Calculate” button_alignment=”right” _builder_version=”4.27.5″ _module_preset=”default” button_use_icon=”off” global_colors_info=”{%22gcid-primary-color%22:%91%22button_bg_color%22,%22button_bg_color%22%93,%22gcid-2eebb6e7-aab4-4a21-a254-2fe8df3269b3%22:%91%22button_bg_color__hover%22%93}” button_bg_color__hover_enabled=”on|hover” button_bg_color__hover=”#c11b31″ button_bg_enable_color__hover=”on”][\/et_pb_button][\/et_pb_column][\/et_pb_row][et_pb_row _builder_version=”4.27.5″ _module_preset=”default” custom_margin=”20px||0px||false|false” custom_padding=”|20px||20px|false|false” border_radii=”on|10px|10px|10px|10px” box_shadow_style=”preset1″ global_colors_info=”{}”][et_pb_column type=”4_4″ _builder_version=”4.27.5″ _module_preset=”default” global_colors_info=”{}”][et_pb_blurb title=”Calculate Leasing Nominal and Effective Annual Rates (TAN & APR)” url=”https:\/\/www.studiofedericociaccio.it\/ad87d6987fda6sdsd76f8a797\/Calcolo_Tan_Taeg_Leasing.asp” url_new_window=”on” _builder_version=”4.27.5″ _module_preset=”default” header_level=”h2″ header_font=”–et_global_heading_font|600|||||||” header_text_color=”gcid-2eebb6e7-aab4-4a21-a254-2fe8df3269b3″ header_font_size=”30px” header_font_size_tablet=”22px” header_font_size_phone=”18px” body_font_size_tablet=”16px” body_font_size_phone=”17px” body_font_size_last_edited=”on|phone” global_colors_info=”{%22gcid-body-color%22:%91%22body_text_color%22%93,%22gcid-primary-color%22:%91%22body_link_text_color%22,%22icon_color%22%93,%22gcid-2eebb6e7-aab4-4a21-a254-2fe8df3269b3%22:%91%22header_text_color%22%93}”]<\/p>\n This is a TAN and APR (TAEG) Leasing Calculator<\/strong> application designed for professionals, consultants, and entrepreneurs who need to quickly evaluate the actual cost of a financial lease directly from their smartphone.<\/p>\n <\/p>\n <\/p>\n <\/p>\n The application processes the complex structure of a leasing contract to extract the real rates:<\/p>\n <\/p>\n Structured Input:<\/strong> Allows users to enter the asset price, upfront payment (maxicanone), final buyout value, and number of installments.<\/p>\n<\/li>\n TAN Calculation (Nominal Annual Rate):<\/strong> Calculates the pure interest rate applied to the installments.<\/p>\n<\/li>\n TAEG \/ ISC Calculation:<\/strong> 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.<\/p>\n<\/li>\n<\/ul>\n [\/et_pb_blurb][et_pb_button button_url=”https:\/\/www.studiofedericociaccio.it\/ad87d6987fda6sdsd76f8a797\/Calcolo_Tan_Taeg_Leasing.asp” url_new_window=”on” button_text=”Calculate” button_alignment=”right” _builder_version=”4.27.5″ _module_preset=”default” button_use_icon=”off” global_colors_info=”{%22gcid-primary-color%22:%91%22button_bg_color%22,%22button_bg_color%22%93,%22gcid-2eebb6e7-aab4-4a21-a254-2fe8df3269b3%22:%91%22button_bg_color__hover%22%93}” button_bg_color__hover_enabled=”on|hover” button_bg_color__hover=”#c11b31″ button_bg_enable_color__hover=”on”][\/et_pb_button][\/et_pb_column][\/et_pb_row][et_pb_row _builder_version=”4.27.5″ _module_preset=”default” custom_margin=”20px||0px||false|false” custom_padding=”|20px||20px|false|false” border_radii=”on|10px|10px|10px|10px” box_shadow_style=”preset1″ global_colors_info=”{}”][et_pb_column type=”4_4″ _builder_version=”4.27.5″ _module_preset=”default” global_colors_info=”{}”][et_pb_blurb title=”Calculation of the Normal Value of Buildings” url=”https:\/\/www.studiofedericociaccio.it\/ad87d6987fda6sdsd76f8a797\/Valore_Normale.asp” url_new_window=”on” _builder_version=”4.27.5″ _module_preset=”default” header_level=”h2″ header_font=”–et_global_heading_font|600|||||||” header_text_color=”gcid-2eebb6e7-aab4-4a21-a254-2fe8df3269b3″ header_font_size=”30px” header_font_size_tablet=”22px” header_font_size_phone=”18px” body_font_size_tablet=”16px” body_font_size_phone=”17px” body_font_size_last_edited=”on|phone” global_colors_info=”{%22gcid-body-color%22:%91%22body_text_color%22%93,%22gcid-primary-color%22:%91%22body_link_text_color%22,%22icon_color%22%93,%22gcid-2eebb6e7-aab4-4a21-a254-2fe8df3269b3%22:%91%22header_text_color%22%93}”]<\/p>\n The Normal Value of Buildings Calculator<\/strong> 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).<\/p>\n <\/p>\n Unlike a simple market valuation, the \u201cnormal value\u201d<\/strong> 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.<\/p>\n <\/p>\n <\/p>\n <\/p>\n The application performs the calculation by cross-referencing various technical data:<\/p>\n <\/p>\n OMI Quotations:<\/strong> Direct access to the Real Estate Market Observatory (Osservatorio del Mercato Immobiliare) database to obtain minimum and maximum \u20ac\/sqm values by area and property type.<\/p>\n<\/li>\n Commercial Surface Area:<\/strong> Calculation of the total area applying weighting coefficients established by regulations.<\/p>\n<\/li>\n Merit Coefficients:<\/strong> Parameters that influence the value based on floor level, state of conservation, orientation, energy class, and finishes.<\/p>\n<\/li>\n<\/ul>\n [\/et_pb_blurb][et_pb_button button_url=”https:\/\/www.studiofedericociaccio.it\/ad87d6987fda6sdsd76f8a797\/Valore_Normale.asp” url_new_window=”on” button_text=”Calculate” button_alignment=”right” _builder_version=”4.27.5″ _module_preset=”default” button_use_icon=”off” global_colors_info=”{%22gcid-primary-color%22:%91%22button_bg_color%22,%22button_bg_color%22%93,%22gcid-2eebb6e7-aab4-4a21-a254-2fe8df3269b3%22:%91%22button_bg_color__hover%22%93}” button_bg_color__hover_enabled=”on|hover” button_bg_color__hover=”#c11b31″ button_bg_enable_color__hover=”on”][\/et_pb_button][\/et_pb_column][\/et_pb_row][et_pb_row _builder_version=”4.27.5″ _module_preset=”default” custom_margin=”20px||0px||false|false” custom_padding=”|20px||20px|false|false” border_radii=”on|10px|10px|10px|10px” box_shadow_style=”preset1″ global_colors_info=”{}”][et_pb_column type=”4_4″ _builder_version=”4.27.5″ _module_preset=”default” global_colors_info=”{}”][et_pb_blurb title=”Conversion of Periodic Interest Rate to Annual Interest Rate” url=”https:\/\/www.studiofedericociaccio.it\/ad87d6987fda6sdsd76f8a797\/Conversione_Tasso_Interesse_Periodico.asp” url_new_window=”on” _builder_version=”4.27.5″ _module_preset=”default” header_level=”h2″ header_font=”–et_global_heading_font|600|||||||” header_text_color=”gcid-2eebb6e7-aab4-4a21-a254-2fe8df3269b3″ header_font_size=”30px” header_font_size_tablet=”22px” header_font_size_phone=”18px” body_font_size_tablet=”16px” body_font_size_phone=”17px” body_font_size_last_edited=”on|phone” global_colors_info=”{%22gcid-body-color%22:%91%22body_text_color%22%93,%22gcid-primary-color%22:%91%22body_link_text_color%22,%22icon_color%22%93,%22gcid-2eebb6e7-aab4-4a21-a254-2fe8df3269b3%22:%91%22header_text_color%22%93}”]<\/p>\n The Periodic to Annual Interest Rate Conversion<\/strong> 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).<\/p>\n <\/p>\n In financial contexts, such applications are crucial for distinguishing between the nominal rate (TAN) and the effective rate, taking into account compound interest<\/strong> (anatocism).<\/p>\n <\/p>\n <\/p>\n <\/p>\n The application allows conversions based on:<\/p>\n <\/p>\n Conversion with Compound Interest (Effective Rate):<\/strong> Formula:<\/strong> Example:<\/strong> A monthly rate of 1% with compound capitalization corresponds to an effective annual rate of 12.68%.<\/p>\n<\/li>\n<\/ul>\n <\/p>\n <\/p>\n <\/p>\n Flexible Input:<\/strong> Enter the periodic rate and select the frequency (monthly, bimonthly, quarterly, four-monthly, or semiannual).<\/p>\n<\/li>\n Inverse Calculation:<\/strong> Enter the annual rate to derive the equivalent periodic rate (useful for banks and consultants setting up amortization plans).<\/p>\n<\/li>\n Immediate Comparison:<\/strong> View the difference between the nominal rate and the effective rate to assess the annual cost impact.<\/p>\n<\/li>\n<\/ul>\n [\/et_pb_blurb][et_pb_button button_url=”https:\/\/www.studiofedericociaccio.it\/ad87d6987fda6sdsd76f8a797\/Conversione_Tasso_Interesse_Periodico.asp” url_new_window=”on” button_text=”Calculate” button_alignment=”right” _builder_version=”4.27.5″ _module_preset=”default” button_use_icon=”off” global_colors_info=”{%22gcid-primary-color%22:%91%22button_bg_color%22,%22button_bg_color%22%93,%22gcid-2eebb6e7-aab4-4a21-a254-2fe8df3269b3%22:%91%22button_bg_color__hover%22%93}” button_bg_color__hover_enabled=”on|hover” button_bg_color__hover=”#c11b31″ button_bg_enable_color__hover=”on”][\/et_pb_button][\/et_pb_column][\/et_pb_row][et_pb_row _builder_version=”4.27.5″ _module_preset=”default” custom_margin=”20px||0px||false|false” custom_padding=”|20px||20px|false|false” border_radii=”on|10px|10px|10px|10px” box_shadow_style=”preset1″ global_colors_info=”{}”][et_pb_column type=”4_4″ _builder_version=”4.27.5″ _module_preset=”default” global_colors_info=”{}”][et_pb_blurb title=”Conversion of Annual Interest Rate to Periodic Interest Rate” url=”https:\/\/www.studiofedericociaccio.it\/ad87d6987fda6sdsd76f8a797\/Conversione_Tasso_Interesse_Annuale.asp” url_new_window=”on” _builder_version=”4.27.5″ _module_preset=”default” header_level=”h2″ header_font=”–et_global_heading_font|600|||||||” header_text_color=”gcid-2eebb6e7-aab4-4a21-a254-2fe8df3269b3″ header_font_size=”30px” header_font_size_tablet=”22px” header_font_size_phone=”18px” body_font_size_tablet=”16px” body_font_size_phone=”17px” body_font_size_last_edited=”on|phone” global_colors_info=”{%22gcid-body-color%22:%91%22body_text_color%22%93,%22gcid-primary-color%22:%91%22body_link_text_color%22,%22icon_color%22%93,%22gcid-2eebb6e7-aab4-4a21-a254-2fe8df3269b3%22:%91%22header_text_color%22%93}”]<\/p>\n The Annual to Periodic Interest Rate Conversion<\/strong> 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).<\/p>\n <\/p>\n 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.<\/p>\n <\/p>\n <\/p>\n <\/p>\n The application handles calculations according to standard financial mathematics:<\/p>\n <\/p>\n Compound Interest Regime (Equivalent Rates):<\/strong> [\/et_pb_blurb][et_pb_button button_url=”https:\/\/www.studiofedericociaccio.it\/ad87d6987fda6sdsd76f8a797\/Conversione_Tasso_Interesse_Annuale.asp” url_new_window=”on” button_text=”Calculate” button_alignment=”right” _builder_version=”4.27.5″ _module_preset=”default” button_use_icon=”off” global_colors_info=”{%22gcid-primary-color%22:%91%22button_bg_color%22,%22button_bg_color%22%93,%22gcid-2eebb6e7-aab4-4a21-a254-2fe8df3269b3%22:%91%22button_bg_color__hover%22%93}” button_bg_color__hover_enabled=”on|hover” button_bg_color__hover=”#c11b31″ button_bg_enable_color__hover=”on”][\/et_pb_button][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=”1″ admin_label=”About” _builder_version=”4.25.1″ _module_preset=”default” collapsed=”on” global_colors_info=”{}”][et_pb_row column_structure=”1_2,1_2″ _builder_version=”4.25.1″ _module_preset=”048d8e79-b07f-439b-bd57-f41c14f0a56b” global_colors_info=”{}”][et_pb_column type=”1_2″ _builder_version=”4.25.1″ _module_preset=”default” global_colors_info=”{}”][et_pb_image src=”http:\/\/fiscoffice.it\/wp-content\/uploads\/2026\/01\/consulente-scaled.jpg” title_text=”Cropped shot of dark-skinned unshaven businessman dressed formally, writing notes in his notebook while sitting at office, looking seriously, working with computer. People, business, career concept” _builder_version=”4.27.5″ _module_preset=”default” global_colors_info=”{}”][\/et_pb_image][\/et_pb_column][et_pb_column type=”1_2″ _builder_version=”4.25.1″ _module_preset=”default” global_colors_info=”{}”][et_pb_heading title=”About Me” _builder_version=”4.27.5″ _module_preset=”c33f07d9-41e0-421a-8799-5799df695cce” title_font_size_tablet=”40px” title_font_size_phone=”24px” title_font_size_last_edited=”on|tablet” global_colors_info=”{}”][\/et_pb_heading][et_pb_text _builder_version=”4.27.5″ _module_preset=”2c55a9c4-feed-423b-9edb-ae0b5b365cac” text_font_size_tablet=”16px” text_font_size_phone=”16px” global_colors_info=”{}”]<\/p>\n Federico Ciaccio Studio offers a wide range of tools to support clients in financial management, including calculators for installments, amortization schedules, and interest rates. Our mission is to provide practical and personalized solutions that simplify financial planning and enhance accounting transparency.<\/p>\n [\/et_pb_text][et_pb_button button_url=”@ET-DC@eyJkeW5hbWljIjp0cnVlLCJjb250ZW50IjoicG9zdF9saW5rX3VybF9wYWdlIiwic2V0dGluZ3MiOnsicG9zdF9pZCI6IjE3In19@” button_text=”Learn More” _builder_version=”4.27.5″ _dynamic_attributes=”button_url” _module_preset=”1bffc0fc-42a0-49d1-bd9a-ae3ade2d7206″ button_use_icon=”off” global_colors_info=”{%22gcid-primary-color%22:%91%22button_bg_color%22%93,%22gcid-2eebb6e7-aab4-4a21-a254-2fe8df3269b3%22:%91%22button_bg_color__hover%22%93}” button_bg_color__hover_enabled=”on|hover” button_bg_color__hover=”#c11b31″ button_bg_enable_color__hover=”on”][\/et_pb_button][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=”1″ disabled_on=”on|on|on” admin_label=”Testimonials” _builder_version=”4.27.5″ _module_preset=”default” background_color=”gcid-primary-color” disabled=”on” locked=”off” collapsed=”on” global_colors_info=”{%22gcid-primary-color%22:%91%22background_color%22%93}”][et_pb_row _builder_version=”4.17.6″ _module_preset=”5138c454-be54-4233-bd3b-f8e6a8747976″ global_colors_info=”{}”][et_pb_column type=”4_4″ _builder_version=”4.17.6″ _module_preset=”73121f80-a3ef-4484-8763-c3f18e3c56d2″ global_colors_info=”{}”][et_pb_heading title=”What Our Clients Say” _builder_version=”4.24.3″ _module_preset=”c33f07d9-41e0-421a-8799-5799df695cce” title_text_color=”#FFFFFF” global_colors_info=”{}”][\/et_pb_heading][\/et_pb_column][\/et_pb_row][et_pb_row column_structure=”1_3,1_3,1_3″ _builder_version=”4.24.3″ _module_preset=”5138c454-be54-4233-bd3b-f8e6a8747976″ global_colors_info=”{}”][et_pb_column type=”1_3″ _builder_version=”4.24.3″ _module_preset=”73121f80-a3ef-4484-8763-c3f18e3c56d2″ background_color=”#FFFFFF” custom_padding=”30px|30px|30px|30px|true|true” custom_padding_tablet=”30px|30px|30px|30px|true|true” custom_padding_phone=”20px|20px|20px|20px|true|true” custom_padding_last_edited=”on|desktop” border_radii=”on|6px|6px|6px|6px” global_colors_info=”{}”][et_pb_icon font_icon=”||fa||900″ module_class=”ai_ignore_font_icon” _builder_version=”4.24.3″ _module_preset=”c2c23269-d09e-4bca-9247-65cd5ecf15a9″ global_colors_info=”{%22gcid-f2943306-fa6c-45f0-b632-5fc00151366a%22:%91%22icon_color%22%93}”][\/et_pb_icon][et_pb_text _builder_version=”4.27.5″ _module_preset=”2c55a9c4-feed-423b-9edb-ae0b5b365cac” text_font_size_tablet=”16px” text_font_size_phone=”16px” text_font_size_last_edited=”on|tablet” locked=”off” global_colors_info=”{%22gcid-primary-color%22:%91%22link_text_color%22,%22link_text_color%22,%22link_text_color%22%93,%22gcid-heading-color%22:%91%22header_text_color%22,%22header_4_text_color%22,%22header_3_text_color%22,%22header_2_text_color%22,%22header_5_text_color%22,%22header_6_text_color%22,%22text_text_color%22%93,%22gcid-secondary-color%22:%91%22quote_border_color%22,%22quote_border_color%22,%22quote_border_color%22%93}”]<\/p>\n “Grazie alle utility offerte dallo Studio Federico Ciaccio, sono riuscito a ottimizzare il mio piano di ammortamento e risparmiare sui costi di interesse.”<\/p>\n [\/et_pb_text][\/et_pb_column][et_pb_column type=”1_3″ _builder_version=”4.24.3″ _module_preset=”73121f80-a3ef-4484-8763-c3f18e3c56d2″ background_color=”#FFFFFF” custom_padding=”30px|30px|30px|30px|true|true” custom_padding_tablet=”30px|30px|30px|30px|true|true” custom_padding_phone=”20px|20px|20px|20px|true|true” custom_padding_last_edited=”on|phone” border_radii=”on|6px|6px|6px|6px” global_colors_info=”{}”][et_pb_icon font_icon=”||fa||900″ module_class=”ai_ignore_font_icon” _builder_version=”4.24.3″ _module_preset=”c2c23269-d09e-4bca-9247-65cd5ecf15a9″ locked=”off” global_colors_info=”{%22gcid-f2943306-fa6c-45f0-b632-5fc00151366a%22:%91%22icon_color%22%93}”][\/et_pb_icon][et_pb_text _builder_version=”4.27.5″ _module_preset=”2c55a9c4-feed-423b-9edb-ae0b5b365cac” text_font_size_tablet=”16px” text_font_size_phone=”16px” text_font_size_last_edited=”on|tablet” locked=”off” global_colors_info=”{%22gcid-primary-color%22:%91%22link_text_color%22,%22link_text_color%22,%22link_text_color%22%93,%22gcid-heading-color%22:%91%22header_text_color%22,%22header_4_text_color%22,%22header_3_text_color%22,%22header_2_text_color%22,%22header_5_text_color%22,%22header_6_text_color%22,%22text_text_color%22%93,%22gcid-secondary-color%22:%91%22quote_border_color%22,%22quote_border_color%22,%22quote_border_color%22%93}”]<\/p>\n “Le soluzioni di calcolo fornite dallo studio mi hanno aiutato a prendere decisioni finanziarie pi\u00f9 informate, migliorando la gestione del mio budget aziendale.”<\/p>\n [\/et_pb_text][\/et_pb_column][et_pb_column type=”1_3″ _builder_version=”4.24.3″ _module_preset=”73121f80-a3ef-4484-8763-c3f18e3c56d2″ background_color=”#FFFFFF” custom_padding=”30px|30px|30px|30px|true|true” custom_padding_tablet=”30px|30px|30px|30px|true|true” custom_padding_phone=”20px|20px|20px|20px|true|true” custom_padding_last_edited=”on|phone” border_radii=”on|6px|6px|6px|6px” global_colors_info=”{}”][et_pb_icon font_icon=”||fa||900″ module_class=”ai_ignore_font_icon” _builder_version=”4.24.3″ _module_preset=”c2c23269-d09e-4bca-9247-65cd5ecf15a9″ locked=”off” global_colors_info=”{%22gcid-f2943306-fa6c-45f0-b632-5fc00151366a%22:%91%22icon_color%22,%22icon_color%22%93}”][\/et_pb_icon][et_pb_text _builder_version=”4.27.5″ _module_preset=”2c55a9c4-feed-423b-9edb-ae0b5b365cac” text_font_size_tablet=”16px” text_font_size_phone=”15px” text_font_size_last_edited=”on|tablet” locked=”off” global_colors_info=”{%22gcid-primary-color%22:%91%22link_text_color%22,%22link_text_color%22,%22link_text_color%22%93,%22gcid-heading-color%22:%91%22header_text_color%22,%22header_4_text_color%22,%22header_3_text_color%22,%22header_2_text_color%22,%22header_5_text_color%22,%22header_6_text_color%22,%22text_text_color%22%93,%22gcid-secondary-color%22:%91%22quote_border_color%22,%22quote_border_color%22,%22quote_border_color%22%93}”]<\/p>\n “Utilizzare le utility dello Studio Federico Ciaccio \u00e8 stato fondamentale per pianificare i miei investimenti immobiliari in modo efficace e sicuro.”<\/p>\n [\/et_pb_text][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=”1″ admin_label=”Call to Action” _builder_version=”4.18.0″ _module_preset=”default” locked=”off” collapsed=”on” global_colors_info=”{}”][et_pb_row _builder_version=”4.24.3″ _module_preset=”5138c454-be54-4233-bd3b-f8e6a8747976″ background_color=”gcid-secondary-color” custom_padding=”6vw|8%|6vw|8%|true|true” border_radii=”on|6px|6px|6px|6px” global_colors_info=”{%22gcid-secondary-color%22:%91%22background_color%22%93}”][et_pb_column type=”4_4″ _builder_version=”4.18.0″ _module_preset=”73121f80-a3ef-4484-8763-c3f18e3c56d2″ global_colors_info=”{}”][et_pb_heading title=”Contact Us for More Information” _builder_version=”4.27.5″ _module_preset=”ba4a6336-701f-47b8-bf5c-09da0ce28016″ title_text_align=”center” title_text_color=”#FFFFFF” title_font_size_tablet=”24px” title_font_size_phone=”22px” title_font_size_last_edited=”on|tablet” locked=”off” global_colors_info=”{}”][\/et_pb_heading][et_pb_button button_url=”@ET-DC@eyJkeW5hbWljIjp0cnVlLCJjb250ZW50IjoicG9zdF9saW5rX3VybF9wYWdlIiwic2V0dGluZ3MiOnsicG9zdF9pZCI6IjE0OSJ9fQ==@” button_text=”Request Assistance” button_alignment=”center” _builder_version=”4.27.5″ _dynamic_attributes=”button_url” _module_preset=”ab15fb74-61a3-43aa-96b3-41e09aeef654″ button_use_icon=”off” global_colors_info=”{%22gcid-primary-color%22:%91%22button_text_color%22,%22button_bg_color__hover%22%93}” button_bg_color__hover_enabled=”on|hover” button_bg_color__hover=”#264653″ button_bg_enable_color__hover=”on” button_text_color__hover_enabled=”on|hover” button_text_color__hover=”#FFFFFF”][\/et_pb_button][\/et_pb_column][\/et_pb_row][\/et_pb_section]<\/p>\n","protected":false},"excerpt":{"rendered":" Explore our tools for calculating installments, amortization schedules, and interest rates, designed to simplify your financial management.It is a digital tool designed to simulate the installment amount required to repay a loan, typically based on the French amortization system.Main FeaturesThis application allows you to determine the monthly payment by entering specific parameters: Loan Amount: The […]<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_et_pb_use_builder":"on","_et_pb_old_content":"","_et_gb_content_width":"","footnotes":""},"class_list":["post-402","page","type-page","status-publish","hentry"],"_links":{"self":[{"href":"https:\/\/fiscoffice.it\/index.php?rest_route=\/wp\/v2\/pages\/402","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/fiscoffice.it\/index.php?rest_route=\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/fiscoffice.it\/index.php?rest_route=\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/fiscoffice.it\/index.php?rest_route=\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/fiscoffice.it\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=402"}],"version-history":[{"count":5,"href":"https:\/\/fiscoffice.it\/index.php?rest_route=\/wp\/v2\/pages\/402\/revisions"}],"predecessor-version":[{"id":509,"href":"https:\/\/fiscoffice.it\/index.php?rest_route=\/wp\/v2\/pages\/402\/revisions\/509"}],"wp:attachment":[{"href":"https:\/\/fiscoffice.it\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=402"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}Main Features<\/h3>\n
\n
Generated Results<\/h3>\n
\n
\nProgram Components<\/h3>\n
\n
\nRequired Input Parameters<\/h3>\n
\n
\nWhy Comparison Is Essential<\/h3>\n
\nFeatures and Input Parameters<\/h3>\n
\n
\nCalculation Results<\/h3>\n
\n
\nHow the Application Works<\/h3>\n
\n
\nFeatures and Input Parameters<\/h3>\n
\n
\nMain Calculation Functions<\/h3>\n
\n
This is the most important function for savers, as it calculates the rate that accounts for interest capitalization in each period.<\/p>\n
[
i_\\text{annual} = (1 + i_\\text{periodic})^n – 1
]
(where n<\/strong> is the number of periods in a year)<\/p>\n
\nApp Features<\/h3>\n
\n
\nTypes of Conversion<\/h3>\n
\n
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<\/strong> periods, exactly matches the nominal annual rate.<\/p>\n<\/li>\n<\/ul>\n