APR Calculator
Ita shuwa kuti iwe unowana APR yakakwana yemari yako yekudyara kana iwe uchitenga mari yekudyara.
Zvinyorwa zvinogadziridzwa paunenge uchinyora.
Nezve iyi kalkulator
The advertised interest rate on a loan hides its real cost, and this APR calculator reveals it. The annual percentage rate (APR) folds upfront fees and discount points into a single yearly rate by treating them as reducing the money you actually receive, then finding the rate that equates your payments to that smaller net amount. It solves for the APR iteratively so you can compare loans with different fee structures on an equal footing.
The note rate sets your payment; the APR reflects that you get less cash up front because of fees. For example, a 200,000 loan at a 6% note rate over 30 years still has the same monthly payment, but 3,000 in fees means you effectively receive only 197,000 — so the true APR comes out modestly above 6%. Adding discount points, each costing 1% of the loan, pushes the APR higher still.
Use it to see past a tempting headline rate to a loan’s real cost and to compare offers where one has a lower rate but higher fees. Because APR spreads those upfront costs across the full term, it always equals or exceeds the note rate and is the fairer number for shopping loans.
Zvimwe zvinobvunzwa zvakanyanya
Chii chinonzi APR uye chii chinonzi interest rate?
Mutengo wemubhadharo wemubhadharo ndewekuti mari inowanikwa nemari yemubhadharo inobva pamari yemubhadharo wemubhadharo. Mutengo wemubhadharo wemubhadharo ndewekuti mari inowanikwa nemari yemubhadharo wemubhadharo. Mutengo wemubhadharo wemubhadharo ndewekuti mari inowanikwa nemari yemubhadharo wemubhadharo.
Maitiro ekuchengeta zvipo zvemapoints?
Mumwe nemumwe wevatambi anobhadhara 1% yemari yemubhadharo, inobhadharwa pakupera kwemubhadharo, uye inowedzera kune mari yako. Nekuti unobhadhara mari iyi pamberi, asi uchiramba uchibhadhara mari yose, vanowedzera mari yacho.
Nei APR iri pamusoro pechikwereti?
Nekudaro, APR inowedzera kana iwe ukatenga mari yekudyara, uye kana iwe ukatenga mari yekudyara, iwe unowana APR yakakura kupfuura iyo yaunowana kana iwe ukatenga mari yekudyara.
Ndezvipi zvipo zvinokosha kutenga?
Points anodzikisa yako note rate muzvipo mari mari ikozvino, izvo zvinowedzera APR pamberi asi anogona kuderedza hupenyu interest kana iwe kuchengeta mari yakareba zvakakwana kuti rekudzosera mutengo. Add points pano kuti uone sei vari kuchinja mari uye zvakajeka APR.
Ichi chikonzero nei APR yakaderera ichireva kuti mari yacho isiri yakachipa?
Kana uchida kutengesa kana kubhadharisazve mari yacho, mari ine APR yakakwira asi ine mari yakaderera yekutenga mari itsva inogona kukubatsira kuti uwane mari yakawanda, saka tarisa kuti mari yacho inoita sei nenguva yauri kutarisira kuichengeta.
Ndezvipi zvikwereti zvinosanganisirwa mu APR?
Chimwe chinhu chinokosha kuti uzive ndechekuti APR inowanzoshandiswa sechiyero chekuongorora mari yemubhadharo wemubhadharo. Iyo calculator inowedzera mari yemubhadharo wemubhadharo wemubhadhar
API — kushandisa iyi kalkulator kubva code
Nhare iyi calculator semahara JSON endpoint - hapana chikuru zvinodiwa. Kutumira nzvimbo mavara pasi separameter query kana JSON. Chii zvachose chaunoisa kunze chinoshandisa default iyo peji iri rakasviba nayo; parameter isiri yechokwadi inonzi 400, uye haisi zero. Tora yakazara API docs →
Endpoint
GET https://calculator.free/api/v1/apr/curl
curl "https://calculator.free/api/v1/apr/?amount=200000&rate=6&years=30&fees=3000"JavaScript fetch()
const r = await fetch(
"https://calculator.free/api/v1/apr/?" + new URLSearchParams({
"amount": "200000",
"rate": "6",
"years": "30",
"fees": "3000"
}));
const data = await r.json();
console.log(data.results);Zviratidzo zvemubvunzo ndezvekufungidzira kwechinangwa chekudzidzisa chete, kwete zvemari, zvehutano kana zvemari.