Kalkülatör
Her bir birleşdiriş üçin nominal APR'i effektiw ýyllyk girdeji'e (APY) öwür.
Netijeler ýazýan wagtyň täzelener.
Bu hasapçy hakda
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Köp soralýan soraglar
APR APY formulasy näme?
APY = (1 + APR ÷ n)^n - 1, n her ýyl üçin kompozit döwürleriň sany. 5% APR her aý üçin kompozit, APY = (1 + 0.05 ÷ 12)^12 - 1 ≈ 5.116%
Näme üçin APY her wagt APRden ýokary?
Sebäbi kompozitlemek öňki faiziň ýyl içinde öz-özüne faiz gazanmagyna ýol berýär. Neçe köp kompozitleseň, şonça uly aralyk döreýär - her gün kompozitlemekden soňra ekstra zyýan az bolýar.
APY meňzeşmi?
Eý. APY we effektiv ýyllyk ösümlik (EAR ýa EFF) şol bir san, şol bir ýol bilen hasaplanypdyr - birleşenden soň hakykat ýyllyk ösümlik. "APY" depozitler üçin ulanylan sözdür, "EAR" bolsa karzlar üçin has köp ulanylýar, emma formula birmeňzeşdir.
Men zaýalap hasaplary APR ýa APY bilen deňeşdirmelimi?
APY bilen deňeşdir. Bu haçansa birleşdiriji ýygylykda bölünýär, şonuň üçin ol bir ýylda hakykatda ne gazananyňyzy görkezýär. Iki hasabyň bir APR'i bar, emma dürli birleşdirijiler, dürli APY'leri bar, we has ýokary APY has gowy şertdir.
Has köp ýygylykly birleşme her wagt has köp puly aňladýarmy?
Bu kömek eder, emma azalýan gerim bilen. Ýyllykdan aýlyk kompozitden geçmek belli bir mukdar goşýar, emma gündelikden dowamly kompozitden tapawudy göterim bölekleridir. APY-a ýakynlaşýan, emma hiç wagt aşmaýan matematiki bir üsti bar (duragly kompozit).
Men APY'i APR'e nädip öwüreýin?
Formuly täzeden düzelt: APR = n × ((1 + APY) ^(1 ÷ n) − 1), n kompozit frekwensiýa. Bu bir töleg APY hökmünde reklam edilende peýdaly, emma bir hasaplamak üçin nominal döwre görä töleg gerek.
API — bu hasapçyny koddan ullan
Bu hasapçyny azat JSON ahtar noktasy hökmünde çagyr - açar gerek däl. Aşakdaky meýdança mykdarlaryny soragyň parametrleri ýa-da JSON hökmünde iber. Eňlisçe senedleri oka →
_Soňky
GET https://calculator.free/api/v1/apr-to-apy/curl
curl "https://calculator.free/api/v1/apr-to-apy/?apr=5&freq=12"JavaScript fetch()
const r = await fetch(
"https://calculator.free/api/v1/apr-to-apy/?" + new URLSearchParams({
"apr": "5",
"freq": "12"
}));
const data = await r.json();
console.log(data.results);Netijeler diňe umumy ýardam üçin hasaplanypdyr, maliýe, lukmançylyk ýa-da salgyt maslahaty üçin däl.