Calcule la prima de mantenimiento de rendimiento, una multa por pago anticipado en un préstamo comercial que garantiza que el prestamista reciba el rendimiento esperado.
Yield maintenance is a type of prepayment penalty designed to protect a lender. If a borrower pays off a loan early when interest rates have fallen, the lender loses out on the higher interest they expected to receive. The yield maintenance formula calculates the present value of this lost interest, which becomes the penalty amount. It ensures the lender's overall yield is "maintained" as if the loan had not been prepaid.