Rzeczywista roczna stopa procentowa (RRSO)

Rzeczywista roczna stopa procentowa (RRSO) to całkowity koszt zobowiązania kredytowego wyrażony jako procentowa wartość całkowitej kwoty kredytu w ujęciu 1 roku. RRSO zawiera w sobie wszystkie koszty towarzyszące pożyczeniu pieniędzy. Mogą być to m.in.:

oprocentowanie;
prowizja;
ewentualne ubezpieczenie;
obsługa ewentualnych produktów dodatkowych;
opłata przygotowawcza (w takim kosztem mamy do czynienia przede wszystkim w pozabankowych instytucjach finansowych);
opłata za wypłatę środków w kasie banku.

RRSO pozwala więc określić rzeczywiste wydatki związane z danym zobowiązaniem i precyzyjnie ilustruje, ile będzie kosztować pożyczka w skali roku. To właśnie RRSO, a nie oprocentowanie powinno być wyznacznikiem atrakcyjności ekonomicznej zobowiązania.

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