Kalkülatör
Bir kreditiň hakykat APR'ini tap, bir gezek tölegler we diňletme nokatlary goşulan bolsa.
Netijeler ýazýan wagtyň täzelener.
Bu hasapçy hakda
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.
Köp soralýan soraglar
APR we faiz derejesi arasyndaky tapawut näme?
Faiz derejesi balansda toplanýan zat; APR hemme wagt not derejesine deň ýa-da ondan ýokary. APR kredit hödürlerini deňeşdirmek üçin has dogry bir san.
Diskont nokatlary nädip işlenilip bilner?
Her bir nokat, baglanyşykda tölenen, karz mukdarynyň 1% yny satyn alýar we siziň tölegiňize goşulýar. Siziň olary öňden töläniňiz üçin, ýöne hala hemem karzyň doly tölegi, olar effektiw nokatlary galdyrýarlar - bu APR-yň aňsat ele alýan zatydyr.
Näme üçin APR (agyrlyk) girdejiden has ýokary?
Çünkü APR, ödeme hala tam kredit miktarına dayanırken, kredite aşan önki tölegleri we noktalary paýlaýar. Siz effektiv olarak geri ödemeden az borç aldınız, bu yüzden gerçek yıllık maliyet - APR - her ödemede not öderinden üstüne oturur.
Diskont nokatlary satyn almak üçin gymmatmy?
Puanlar indi nagt pul üçin alyşmak üçin notyňyzyň tölegini peselder, bu öňden APR-ni artdyrýar, emma eger siz bu karzyň bahasyny öwürmek üçin ýeterlik uzak saklaýan bolsaňyz ömrüňiziň dowamynda girdejileri peseldip biler. Bu ýere hem töleg hemde effektiw APR-i üýtgetmek üçin puanlary goşyň.
Az APR her wagt az bahaly karz manysynamy?
Normally, but not always - APR assumes you hold the loan for its full term. If you plan to sell or refinance early, a loan with higher APR but lower upfront fees can actually cost you less, so weigh the fee total against how long you will keep it.
Haçan başlajak?
Bu hasapçy girýän tölegleri we ýapyş töleglerini we her hili arzanlatma nokatlaryny kabul edýän mukdaryňyza goşýar. Hakykatdanam dünýäde APR düşünjeleri haýsy tölegler hasaplanýanda üýtgeýär, şuňa görä bir kreditçiň görkezilen APR bu hasaplamadan azça tapawutlanyp biler.
API — bu hasapçyny koddan ullan
Bu hasapçyny boş JSON ahtar noktasy hökmünde çagyr - açar gerek däl. Aşakdaky meýdança mykdarlaryny soragyň parametrleri ýa-da JSON hökmünde iber. Siziň goýmaýan hernäňiz şu sahypanyň öň bellenen öň bellenenini ulanýar; namydar parametr 400, hiç wagt sessiz sıfır däl. Eňlisçe senedleri oka →
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);Netijeler diňe umumy ýardam üçin hasaplanypdyr, maliýe, saglyk ýa-da salgyt maslahaty üçin däl.