Vor einiger Zeit hat die Studentin einen Kredit in Höhe von 50.000,- € aufgenommen, der noch nicht getilgt ist. Die Laufzeit beträgt insgesamt fünf Jahre und der Kreditzins liegt bei 6%.

Es wurde eine Annuitätentilgung vereinbart.

Stellen Sie einen Tilgungsplan für die letzten beiden Tilgungsjahre (4. und 5.

Tilgungsjahr) auf löse die Aufgabe 

To set up an amortization schedule for the last two years of a loan, we need to understand the structure of the loan and the payments made during the earlier years. Given the following details:

- Loan amount: €50,000
- Total loan term: 5 years
- Interest rate: 6% per annum
- Type of repayment: Annuity (constant payments each period)

We'll create an amortization schedule for the fourth and fifth years. Here are the steps:

1. **Calculate the monthly payment:**
   The formula for the monthly payment (PMT) in an annuity is:
   \[
   PMT = PV \times \frac{r(1+r)^n}{(1+r)^n - 1}
   \]
   where:
   - \(PV\) is the present value of the loan (€50,000),
   - \(r\) is the monthly interest rate,
   - \(n\) is the total number of payments.

   Since the interest rate is 6% annually, the monthly interest rate is:
   \[
   r = \frac{6\%}{12} = 0.5\% = 0.005
   \]

   The total number of payments (months) for a 5-year term is:
   \[
   n = 5 \times 12 = 60
   \]

   Plugging in the values:
   \[
   PMT = 50,000 \times \frac{0.005(1+0.005)^{60}}{(1+0.005)^{60} - 1}
   \]

   Let's calculate \((1 + 0.005)^{60}\):
   \[
   (1 + 0.005)^{60} \approx 1.34885
   \]

   So:
   \[
   PMT = 50,000 \times \frac{0.005 \times 1.34885}{1.34885 - 1}
   \]
   \[
   PM

Learn how to create an amortization schedule for the last two years of a €50,000 loan with a 6% interest rate over a 5-year term. Includes step-by-step calculation of monthly payments and interest accrual. Suitable for advanced high school students or those studying financial mathematics.

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