Godine starosti osiguranika 23 24 25 26 27 28 29 30 31 32 33 34 35 36 37 38 39 40 41 42 43 44 45 46 47 48 49 50 51 52 53 54 55 56 57 58 59 60 61 62 63 64 65 66 67 68 69 70 71 72 73 74 75 76 77 78 79 80 81 82 83 84 85 86 87 88 89 90
Postotak ucesca za kasniji pristup = postotak penzije "SVOG" razreda 100 -98 -95 -93 -90 -88 -85 -83 -80 -78 -75 -73 -70 -68 -65 -63 -60 -58 -55 -53 -50 -48 -45 -43 -40 -38 -35 -33 -30 -28 -25 -23 -20 -18 -15 -13 -10 -8 -5 -3
Godine rada fonda
1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 29 30 31 32 33 34 35 36 37 38 39 40 41 42 43 44 45 46 47 48 49 50 51 52 53 54 55 56 57 58 59 60 61 62 63 64 65 66 67 68
postotak od standardne uplate za 5. Razred je 20%     20 20 20 20 20 20 20 20 20 20 20 20 20 20 20 20 20 20 20 20 20 20 20 20 20 20 20 20 20 20 20 20 20 20 20 20 20 20 20 20                                                        
broj clanova. - matemat za 5. Razred       100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100
postotak od standardne uplate za 4. Razred je 40%     40 40 40 40 40 40 40 40 40 40 40 40 40 40 40 40 40 40 40 40 40 40 40 40 40 40 40 40 40 40 40 40 40 40 40 40 40 40 40 40                                                        
broj clanova. - matemat za 4. Razred     100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100
postotak od standardne uplate za 3. razred je 60%     60 60 60 60 60 60 60 60 60 60 60 60 60 60 60 60 60 60 60 60 60 60 60 60 60 60 60 60 60 60 60 60 60 60 60 60 60 60 60 60                                                        
broj clanova. - matemat za 3. Razred     100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100
postotak od standardne uplate za 2. razred je 80%     80 80 80 80 80 80 80 80 80 80 80 80 80 80 80 80 80 80 80 80 80 80 80 80 80 80 80 80 80 80 80 80 80 80 80 80 80 80 80 80                                                        
broj clanova. - matemat za 2. Razred     100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100
br.clanova za matem. Obradu za 1. Razred     100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100
Broj clanova mes. Uplata (EUR) god. Uplata god. Uplata po razredima god. Uplata god. Uplata god. Uplata god. Uplata god. Uplata god. Uplata god. Uplata god. Uplata god. Uplata god. Uplata god. Uplata god. Uplata god. Uplata god. Uplata god. Uplata god. Uplata god. Uplata god. Uplata god. Uplata god. Uplata god. Uplata god. Uplata god. Uplata god. Uplata god. Uplata god. Uplata god. Uplata god. Uplata god. Uplata god. Uplata god. Uplata god. Uplata god. Uplata god. Uplata god. Uplata god. Uplata god. Uplata
1, razred 100 100 1,200 120,000 120,000 120,000 120,000 120,000 120,000 120,000 120,000 120,000 120,000 120,000 120,000 120,000 120,000 120,000 120,000 120,000 120,000 120,000 120,000 120,000 120,000 120,000 120,000 120,000 120,000 120,000 120,000 120,000 120,000 120,000 120,000 120,000 120,000 120,000 120,000 120,000 120,000
  clanova
2. Razred 100 80 960 96,000 96,000 96,000 96,000 96,000 96,000 96,000 96,000 96,000 96,000 96,000 96,000 96,000 96,000 96,000 96,000 96,000 96,000 96,000 96,000 96,000 96,000 96,000 96,000 96,000 96,000 96,000 96,000 96,000 96,000 96,000 96,000 96,000 96,000 96,000 96,000 96,000 96,000
  clanova
3.razred 100 60 720 72,000 72,000 72,000 72,000 72,000 72,000 72,000 72,000 72,000 72,000 72,000 72,000 72,000 72,000 72,000 72,000 72,000 72,000 72,000 72,000 72,000 72,000 72,000 72,000 72,000 72,000 72,000 72,000 72,000 72,000 72,000 72,000 72,000 72,000 72,000 72,000 72,000 72,000
  clanova
4. Razred 100 40 480 48,000 48,000 48,000 48,000 48,000 48,000 48,000 48,000 48,000 48,000 48,000 48,000 48,000 48,000 48,000 48,000 48,000 48,000 48,000 48,000 48,000 48,000 48,000 48,000 48,000 48,000 48,000 48,000 48,000 48,000 48,000 48,000 48,000 48,000 48,000 48,000 48,000 48,000
  clanova
5. Razred 100 20 240 24,000 24,000 24,000 24,000 24,000 24,000 24,000 24,000 24,000 24,000 24,000 24,000 24,000 24,000 24,000 24,000 24,000 24,000 24,000 24,000 24,000 24,000 24,000 24,000 24,000 24,000 24,000 24,000 24,000 24,000 24,000 24,000 24,000 24,000 24,000 24,000 24,000 24,000
clanova
vracanje potrosackih kredita od 3000 (god. Povracaj=1180 ) 0 141,600 338,660 613,600 855,500 1,137,520 1,452,580 1,782,980 2,148,780 2,547,620 2,980,680 3,453,860 3,969,520 4,531,200 5,142,440 5,809,140 6,534,840 7,326,620 8,189,200 9,128,480 10,151,540 11,266,640 12,482,040 13,806,000 15,247,960 16,819,720 18,533,080 20,399,840 22,432,980 24,649,020 27,063,300 29,694,700 32,560,920 35,684,380 39,087,500 42,795,060 46,835,380 51,236,780 56,033,480 57,153,300 57,120,260 55,336,100 55,059,980 54,233,980 53,095,280 52,211,460 51,086,920 49,844,380 48,560,540 47,119,760 45,553,900 43,860,600 42,004,460 39,984,300 37,784,780 35,387,020 32,774,500 29,928,340 26,826,120 23,446,600 19,765,000 15,753,000 11,382,280 6,618,620 2,781,260 527,460 0 0
kamata na vracene rate kredita od 3000       3% 9 mes 0 259 620 1,123 1,566 2,082 2,659 3,264 3,933 4,663 5,456 6,322 7,266 8,294 9,413 10,634 11,962 13,411 14,990 16,710 18,582 20,624 22,848 25,272 27,912 30,789 33,925 37,342 41,064 45,120 49,540 54,356 59,603 65,321 71,550 78,337 85,733 93,789 102,570 104,620 104,559 101,293 100,788 99,276 97,191 95,574 93,515 91,241 88,890 86,253 83,387 80,287 76,890 73,192 69,165 64,776 59,994 54,784 49,105 42,919 36,180 28,836 20,835 12,115 5,091 966 0 0
3% 6 mes 0 173 413 749 1,044 1,388 1,773 2,176 2,622 3,109 3,637 4,215 4,844 5,530 6,276 7,089 7,975 8,941 9,994 11,140 12,388 13,749 15,232 16,848 18,608 20,526 22,617 24,895 27,376 30,080 33,026 36,238 39,735 43,547 47,700 52,224 57,155 62,526 68,380 69,746 69,706 67,529 67,192 66,184 64,794 63,716 62,343 60,827 59,260 57,502 55,591 53,525 51,260 48,794 46,110 43,184 39,996 36,523 32,737 28,613 24,120 19,224 13,890 8,077 3,394 644 0 0
3%3 mes 0 86 207 374 522 694 886 1,088 1,311 1,554 1,819 2,107 2,422 2,765 3,138 3,545 3,987 4,470 4,997 5,570 6,194 6,875 7,616 8,424 9,304 10,263 11,308 12,447 13,688 15,040 16,513 18,119 19,868 21,774 23,850 26,112 28,578 31,263 34,190 34,873 34,853 33,764 33,596 33,092 32,397 31,858 31,172 30,414 29,630 28,751 27,796 26,762 25,630 24,397 23,055 21,592 19,998 18,261 16,368 14,306 12,060 9,612 6,945 4,038 1,697 322 0 0
kreditna masa- na kraju godine, ukupno   360,000 502,118 699,900 975,846 1,218,632 1,501,684 1,817,898 2,149,508 2,516,647 2,916,947 3,351,592 3,826,505 4,344,052 4,907,789 5,521,267 6,190,407 6,918,764 7,713,443 8,579,181 9,521,900 10,548,705 11,667,887 12,887,737 14,216,544 15,663,783 17,241,297 18,960,930 20,834,524 22,875,108 25,099,260 27,522,379 30,163,413 33,040,126 36,175,021 39,590,600 43,311,733 47,366,845 51,784,359 46,158,620 47,282,539 47,249,378 45,458,686 45,181,556 44,352,532 43,209,663 42,322,607 41,193,950 39,946,861 38,658,321 37,212,266 35,640,674 33,941,174 32,078,239 30,050,683 27,843,111 25,436,572 22,814,488 19,957,908 16,844,331 13,452,438 9,757,360 5,730,672 1,343,951 6,642,851 2,791,442 529,391 0 0
0 120 167 233 325 406 501 606 717 839 972 1,117 1,276 1,448 1,636 1,840 2,063 2,306 2,571 2,860 3,174 3,516 3,889 4,296 4,739 5,221 5,747 6,320 6,945 7,625 8,366 9,174 10,054 11,013 12,058 13,197 14,437 15,789 17,261 15,386 15,761 15,750 15,153 15,061 14,784 14,403 14,108 13,731 13,316 12,886 12,404 11,880 11,314 10,693 10,017 9,281 8,479 7,605 6,653 5,615 4,484 3,252 1,910 448        
  broj kratkor. Kredita, 3god. 3000 E         0 120 167 233 325 406 500 605 716 838 972 1,117 1,275 1,448 1,635 1,840 2,063 2,306 2,571 2,859 3,173 3,516 3,889 4,295 4,738 5,221 5,747 6,320 6,944 7,625 8,366 9,174 10,054 11,013 12,058 13,196 14,437 15,788 17,261 15,386 15,760 15,749 15,152 15,060 14,784 14,403 14,107 13,731 13,315 12,886 12,404 11,880 11,313 10,692 10,016 9,281 8,478 7,604 6,652 5,614 4,484 3,252 1,910 447          
Ukupan broj kredita       0 120 287 520 845 1,251 1,751 2,356 3,072 3,910 4,882 5,999 7,274 8,722 10,357 12,197 14,260 16,566 19,137 21,996 25,169 28,685 32,574 36,869 41,607 46,828 52,575 58,895 65,839 73,464 81,830 91,004 101,058 112,071 124,129 137,325 151,762 167,550 184,811 200,197 215,957 231,706 246,858 261,918 276,702 291,105 305,212 318,943 332,258 345,144 357,548 369,428 380,741 391,433 401,449 410,730 419,208 426,812 433,464 439,078 443,562 446,814 448,724 449,171 449,171 449,171 449,171 449,171
aktivnih kredita         0 120 287 520 725 964 1,231 1,511 1,821 2,159 2,526 2,927 3,364 3,840 4,358 4,923 5,538 6,209 6,940 7,736 8,603 9,548 10,578 11,700 12,922 14,254 15,706 17,288 19,011 20,889 22,935 25,165 27,594 30,241 33,125 36,267 39,691 43,421 47,486 48,435 48,407 46,895 46,661 45,961 44,996 44,247 43,294 42,241 41,153 39,932 38,605 37,170 35,597 33,885 32,021 29,989 27,775 25,363 22,734 19,870 16,750 13,350 9,646 5,609 2,357 447 0 0
OSTATAK OD KRATKOROCNIH KREDITA-za troskove rada   25,118 24,900 24,846 24,632 25,684 26,898 25,508 26,647 24,947 24,592 25,505 24,052 26,789 25,267 25,407 24,764 24,443 26,181 26,900 24,705 24,887 26,737 26,544 24,783 24,297 24,930 26,524 24,108 25,260 24,379 25,413 25,126 25,021 26,600 24,733 26,845 25,359 24,620 26,539 26,378 26,686 25,556 24,532 24,663 25,607 24,950 25,861 24,321 24,266 24,674 26,174 26,239 26,683 24,111 26,572 26,488 25,908 26,331 24,438 25,360 24,672 26,951 6,666,851 2,815,442 553,391 24,000 24,000
GOD. POTRAZNJA ZASNOVANA NA KREDITIMA     360,000 501,000 699,000 975,000 1,218,000 1,500,000 1,815,000 2,148,000 2,514,000 2,916,000 3,351,000 3,825,000 4,344,000 4,905,000 5,520,000 6,189,000 6,918,000 7,713,000 8,577,000 9,519,000 10,548,000 11,667,000 12,885,000 14,214,000 15,663,000 17,241,000 18,960,000 20,832,000 22,875,000 25,098,000 27,522,000 30,162,000 33,039,000 36,174,000 39,588,000 43,311,000 47,364,000 51,783,000 46,158,000 47,280,000 47,247,000 45,456,000 45,180,000 44,352,000 43,209,000 42,321,000 41,193,000 39,945,000 38,658,000 37,212,000 35,640,000 33,939,000 32,076,000 30,048,000 27,843,000 25,434,000 22,812,000 19,956,000 16,842,000 13,452,000 9,756,000 5,730,000 1,341,000 0 0 0 0
KUMULATIVNA potraznja na trzistu zasnovana na kreditima   360,000 861,000 1,560,000 2,535,000 3,753,000 5,253,000 7,068,000 9,216,000 11,730,000 14,646,000 17,997,000 21,822,000 26,166,000 31,071,000 36,591,000 42,780,000 49,698,000 57,411,000 65,988,000 75,507,000 86,055,000 97,722,000 110,607,000 124,821,000 140,484,000 157,725,000 176,685,000 197,517,000 220,392,000 245,490,000 273,012,000 303,174,000 336,213,000 372,387,000 411,975,000 455,286,000 502,650,000 554,433,000 600,591,000 647,871,000 695,118,000 740,574,000 785,754,000 830,106,000 873,315,000 915,636,000 956,829,000 996,774,000 1,035,432,000 1,072,644,000 1,108,284,000 1,142,223,000 1,174,299,000 1,204,347,000 1,232,190,000 1,257,624,000 1,280,436,000 1,300,392,000 1,317,234,000 1,330,686,000 1,340,442,000 1,346,172,000 1,347,513,000 1,347,513,000 1,347,513,000 1,347,513,000 1,347,513,000
Iznos penzije za 1. Razred                                                                       2,800 2,800 2,800 2,800 2,800 2,800 2,800 2,800 2,800 2,800 2,800 2,800 2,800 2,800 2,800 2,800 2,800 2,800 2,800 2,800 2,800 2,800 2,800 2,800 2,800   0 0 0 0
Iznos penzije za 2. Razred                                                                       2,240 2,240 2,240 2,240 2,240 2,240 2,240 2,240 2,240 2,240 2,240 2,240 2,240 2,240 2,240 2,240 2,240 2,240 2,240 2,240 2,240 2,240 2,240 2,240 2,240   0 0 0 0
Iznos potros. Kredita   3000 1820 670 -480 Iznos penzije za 3. Razred                                                                       1,680 1,680 1,680 1,680 1,680 1,680 1,680 1,680 1,680 1,680 1,680 1,680 1,680 1,680 1,680 1,680 1,680 1,680 1,680 1,680 1,680 1,680 1,680 1,680 1,680   0 0 0 0
Na 3 g, mes. Rata iznosi   98.33 95.83 95.83 95.83 Iznos penzije za 4. Razred                                                                       1,120 1,120 1,120 1,120 1,120 1,120 1,120 1,120 1,120 1,120 1,120 1,120 1,120 1,120 1,120 1,120 1,120 1,120 1,120 1,120 1,120 1,120 1,120 1,120 1,120   0 0 0 0
kamata% 6 180 91 33.5 -24 Iznos penzije za 5. Razred                                                                       560 560 560 560 560 560 560 560 560 560 560 560 560 560 560 560 560 560 560 560 560 560 560 560 560   0 0 0 0
uk. Dug   3540 1911 703.5 -504
            280,000
godisnje vraca   1180       224,000
            168,000
36 rata X 96=   3456       112,000
56,000
 
mes. Suma za sve penzije                                                                       840,000
god. Suma za sve penzije                                                                       10,080,000