write one paragraph, If we must borrow significant amounts ofmoney, how do we account for...

write one paragraph, If we must borrow significant amounts of money, how do we account for the cost of the loan in the pricing of the product (pick and place robot) ? What economic considerations arose in pick and place ro

Expert Solution

How to account for cost of loan for product pricing :

It can be done under the following three ways

Price to competition - what is the cost of loan charged by the competitors in the market

Cost plus pricing - this accounts by calculating all the direct and indirect expenses than add a margin and then put forward the loan cost

Perceived value of customer - here bank determines , what is the maximum a borrower will pay for perceived value of banker's expertise and bank's problem solving

Economic considerations :

Credit score - it tells about the financial health of the person whether the person has given or repaid loans on time or not or he is a defaulter
Down payment - this means larger the down payment lower will be interest rate and more the chances of getting the loan
Loan term - the shorter is the time of loan the banks favours to give loan for it,longer the period it becomes difficult to approve
Interest rate type - it can be fixed or adjustable which initially can be fixed and overtime it can be flexible making , to charge higher rate in latter period of loan.
Loan type - what is the purpose of loan , as loans that would be yeilding returns as in business tend to get approved easily than non productive loans
Age - a mid aged person is most preferred as he can pay back the loan by working however an old person cannot get as his income sources are not sure
Occupation - people with secured jobs as in military or blue chip company employees or government employees tend to have higher probability of getting loan than a self employed people
Relation with bank - the older customer you are of bank ,loan approvement chances are more as it is easier for them to analyse you back financial records
Surplus income - with the ones who have surplus income getting a loan is easier for them as they can easily give EMI's.

These all are part of loan cost for product pricing.

Rahul Sunny answered 2 years ago

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