APR Kalkulator
Ka hel APR dhab ah ee deyn mar kasta oo lacagaha iyo dhibcaha dhimista la soo galay.
Natiijooyinka cusbooneysiinta sida aad ku qorto.
Ku saabsan Kalkaaliyahan
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.
Su'aalaha badanaa la isweydiiyo
Waa maxay farqiga u dhexeeya APR iyo qiimaha faa'iido?
Qiimaha faa'iido waa waxa ku soo kordha ee miisaaniyadda; APR sidoo kale ku faafay upfront lacagaha iyo dhibcood oo dhan deynta, sidaas darteed waa mar walba la mid ah ama ka sareeya inta lagu jiro qiimaha qoraalka. APR waa tirada ka cadaalad badan ee la barbardhigo deeqda bixiyaan.
Sidee ayaa dhibcood dhimis ah la dhaqaajin?
dhibcood kasta oo ku kacaya 1% ee lacagta deynta, la siiyay marka la xiro, iyo waxaa lagu daray lacagahaaga. maxaa yeelay waxaad siin iyaga hore laakiin weli lacagta buuxda, waxay kor u qaadi karaan heerka wax ku ool ah - taas oo ah waxa ay si dhab ah u APR qabto.
Maxaa ka dhigaya APR ka sareeya qiimaha faa'iido?
Sababtoo ah APR faafin upfront lacagaha iyo dhibcaha oo dhan deynta inta lacagta ayaa weli ku saleysan lacagaha deynta oo dhan. Waxaad si dhab ah ka yar ka soo qaato ka dibna aad ka bixiso ka dhanka ah, sidaas daraaddeed qiimaha sannadka dhabta ah - APR - ku fadhiya korka qiimaha qoraalka marka lacagta la soo dejiyo.
Ma dhibcood dhimis ku filan iibka?
dhibcood hoos u dhigi kartaa qiimaha qoraalka aad ku beddeli lacag hadda, taas oo kor u qaadi kara APR hore laakiin waxay yareyn kartaa nolosha faa'iido haddii aad hayso deynta muddo dheer oo ku filan si ay u soo celiyaan qiimaha.
Ma APR hooseeya waa in aad mar walba la micno ah deyn ka jaban?
Haddii aad qorsheyneyso inaad iibsato ama dib u maalgeliso hore, deyn leh APR sare laakiin qiimaha hore ee hooseeya waxay kuugu qaadan kartaa lacag yar, sidaas darteed miisaanka qiimaha guud ee ka dhanka ah inta aad ka dhigi doontaan.
Maxaa lacagta ku jira APR?
Kalkaaliyihiini wuxuu ku tiirsan yahay lacagta iyo kharashka xiran ee aad gasho iyo dhibco kasta oo dhimis ah oo aad ku bixiso lacagtii aad si dhab ah u heshay. Mabaadi'da APR-ka dhabta ah ee adduunka ayaa kala duwan oo ku saabsan waxa ay ku tiirsan tahay, sidaa darteed APR-ka la soo xigtay ee deyn bixiye ayaa si yar uga duwanaan kara qiimeyntan.
API — isticmaal xisaabinta ka code
Wici xisaabinta sida free JSON endpoint - key ma loo baahan yahay. Dib u soo dir qiimaha goobta hoos ku qoran sida parameters su'aal ama JSON. Wax kasta oo aad ka maqan tahay isticmaalaa default la mid ah ee boggani waa hore loo buuxiyey la; parameter aan la aqoon waa 400, marnaba ma aha zero maqan. Akhri dhammaan API xuquuqda →
Xarafka
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);Natiijooyinka waa tirakoobka loogu talagalay tilmaamaha guud oo keliya, maaha dhaqaale, caafimaad ama talo bixin canshuur.