Rata równa (annuitetowa) jest to metoda spłaty zadłużenia, charakteryzująca się jednakową wysokością każdej raty przez cały okres kredytowania. Jednakże wysokość raty może ulec zmianie na skutek wahań oprocentowania oraz ze względu na rodzaj zobowiązania - szczególnie narażone są długoterminowe kredyty hipoteczne.
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