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The problem described involves a loan of €100,000 with decreasing annual payments over 10 years, where each payment is composed of an interest portion and a constant capital portion. The interest rate is 4% annually, and you are asked to find the outstanding debt after 5 years of regular payments.

### Step-by-step breakdown:
1. **Loan Structure**: The loan is repaid with constant capital payments. This means the annual repayment consists of:
   - A constant portion of the principal (\( \text{Capital Quota} \)) which is €100,000 divided by 10 = €10,000 each year.
   - An interest portion that decreases over time since it's calculated on the remaining debt at the start of each year.

2. **Interest Calculation**: 
   - For the first year, interest is 4% of €100,000 = €4,000.
   - For the second year, the debt has reduced by €10,000, so interest is 4% of €90,000 = €3,600.
   - This process continues, with the debt reducing by €10,000 each year and the interest decreasing proportionally.

3. **Debt after 5 years**:
   - After 5 years, you will have repaid €10,000 × 5 = €50,000 in principal.
   - The remaining debt is therefore €100,000 − €50,000 = €50,000.

Thus, the correct answer is likely **option d. €50,000**, assuming the calculations are regular and payments are made as scheduled.

Do you need further clarifications or details?

Here are 5 questions to expand on this:
1. How would the payment change if the interest rate was variable?
2. What is the difference between constant capital and constant installment repayment plans?
3. How is the interest calculated in loans with a constant capital structure?
4. How would the outstanding debt change if the loan term was reduced to 5 years?
5. What would happen if a prepayment was made after 3 years?

**Tip**: Always check the loan's amortization schedule to track payments and outstanding debt effectively.

Un prestito di importo iniziale 100,000 euro viene restituito in 10 anni, con rate annuali posticipate decrescenti, ottenute sommando la quota interessi ad una quota capitale costante. Il tasso d’interesse annuale è 4%. Dire quale tra i seguenti può rappresentare l’importo del debito residuo dopo 5 anni dalla stipulazione, supponendo che tutti i pagamenti siano stati regolari.

Calculate the outstanding debt of a €100,000 loan after 5 years of constant capital repayments and decreasing interest at an annual rate of 4%. This problem covers key concepts in loan repayment and amortization schedules.

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