Amortization System in the Simple Interest Regime: Comparison Between Three Proposals in the Case of Constant Amortization

Gerson Lachtermacher, Rodrigo De-Losso and Clovis de Faro

Applied Economics and Finance, 2025, vol. 12, issue 3, 47-68

Abstract: This article compares three methodologies, two developed in Brazil and one in Italy, to amortize a loan using the constant amortization methods, in a simple capitalization regime. Due to the characteristics of this capitalization regime, two focal dates are studied, at the beginning and the end of the loan. The models are briefly described and a comparison between the models, two by two, is made, with the purpose of determining, from the point of view of a financial company, which one is the best methodology to be used.

Date: 2025
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