Chapter 8 · The labour market and personal finances
Vilken betalning minskar själva skulden i bilden?
Which payment reduces the debt itself in the diagram?
Correct answer: The SEK 1,000 principal repayment
Amortisation means repaying principal. In this example the debt falls from SEK 20,000 to SEK 19,000; interest and fees are costs that do not reduce it.
Key words
amortering · principal repayment
Source: Konsumentverket: Låna pengar – tips kring att ta lån · Vad är amortering? Återbetalning av lån; eget räkneexempel
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Why this option does not fit
Hela betalningen på 1 350 kronor
The total includes interest and a fee, so it does not all reduce the debt.
Avgiften på 50 kronor
The fee is a borrowing cost, not a principal repayment.
Räntan på 300 kronor
Interest pays for borrowing but does not repay principal.