Àwọn Ìṣàmúlò-ètò

Wá àwọn APR àwọn tí a fi pamọ́ nígbà tí a tí fi àwọn owó atí àwọn

Àwọn Ìgúnrégé

Àwọn Ìjánu-ìsún

Àwọn ìṣàmúlò-ètò

Àwọn àwọn

Àwọn ààyè-iṣẹ́ ìṣàmúlò-ètò ?

Gbogbo awọn ipo ni 1% ti owo-ori ti a san ni ibẹrẹ.

Àwọn àwọn ààyè-iṣẹ́ —

Ìfihàn Òjó —

Àwọn ìṣàmúlò-ètò —

Àwọn Ìṣàmúlò-ètò —

Àwọn Àtòjọ-ẹ̀yàn àwọn ìṣàmúlò-ètò

Ńlà àwọn àwọn ààtò àtòjọ-ẹ̀yàn yìí?

Àkóónú ìṣàmúlò-ètò yìí

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.

Àwọn Àtòjọ-ẹ̀yàn

Kini iyatọ laarin APR ati iye owo-ifowopamọ?

Àwọn ìṣàmúlò-ètò ìfẹ́nú ní ohun tí a tí wa nínú ìbálẹ̀; APR tun tí n pọ̀jú àwọn owó ìṣàmúlò-ètò àti àwọn ààyè nínú ìpàpọ̀, láti jẹ́ pe o tí wa ní gbogbo àkókò ní pàtó àti àwọn àwọn ìṣàmúlò-ètò àìpàpọ̀. APR ní nọmba tí o tí ìbárá fún ìṣàmúlò-ètò ìpàpọ̀.

Bawo ní a ṣe n ṣakoso àwọn àwọn ààtò àwọn ààtò?

Iwọn igun kọọkan jẹ 1% ti iye owo ti o gba, ti a san ni ipari, ati pe a fi kun si awọn owo rẹ. Nitori o n san wọn ni ibẹrẹ ṣugbọn o tun san owo-ori kikun, wọn n mu iye owo ti o ni ipa - ti o jẹ ohun ti APR gba.

Kini idi ti APR ti o ga ju iye owo-ìdáràn lọ?

Because the APR spreads upfront fees and points across the loan while the payment is still based on the full loan amount. You effectively borrow less than you repay against, so the true yearly cost — the APR — sits above the note rate whenever fees are charged.

Ńlá nínú àwọn àwọn ààtò àwọn ààtò àwọn ààtò

Àwọn àwọn ààtòjútó gbálú àwọn ààtòjútó rẹ̀ nínú ìṣàfarawé fún owó ní bayii, tí a fi àwọn APR pọ̀ jú lọ, àwọn ààtòjútó náà si lè kù nínú àwọn ìṣàmúlò-ètò tí o bà fi àwọn à

Njẹ APR ti o kere ju nigbagbogbo tumọ si owo-ori ti o dara julọ?

Nígbà gbogbo, ṣugbọn kò ni gbogbo igba — APR gbá pé o tí gbọ́dọ̀ gbáwòlẹ̀ fun àwọn ìgbà tí o tí n bọ́. Tí o bá fẹ́ ráwọ́lẹ̀ fún ìfílọ́ọ̀kan tabi ìṣàfarawé owó nígbà tí o tì n gbọ́dọ̀ gbáwòlẹ̀, gbáwòlẹ̀ pẹlú APR tí o gà jù lọ́wọ́lú, ṣugbọn àwọn owó tí o gà jù lọ́wọ́lú lè jẹ́ tí o bá jẹ́ tí o bá jẹ́ pé o kò lè gbáwòlẹ̀, bẹ́ẹ̀ wólè gbogbo owó ní pàtó bí o tí n gbọ́dọ̀ gbáwòlẹ̀.

Kini awọn owo-ori ti a ti fi kun APR?

Calculator yi ti folds ni awọn owo ati ti ipari iye owo ti o ti tẹ plus eyikeyi ti o ti gba ni o dara ju awọn ipo si awọn iye ti o ti gba. Real-world APR àkọsílẹ yatọ si lori ni pato eyi ti awọn owo-ori counts, ki o si a loaner's quoted APR le yatọ si a bit lati yi estimate.

API — ló àwọn ìṣàmúlò-ètò yìí láti inú ìṣàmúlò-ètò

Fi àwọn ìṣàmúlò-ètò yìí kọ̀ǹpútà yìí láti jẹ́ ààyè-iṣẹ́ JSON tí a tí fi pamọ́ - kò ní bọ́tìnì kan tí a fẹ́. Fi àwọn fálù ààyè-iṣẹ́ sílẹ̀ sí bí àwọn àwọn ìṣàmúlò-ètò àti JSON. Anything you omit uses the same default this page is pre-filled with; an unknown parameter is a 400, never a silent zero. Ka àwọn àkọlé API kíkún →

Àwọn Ààyè Ìjánu-ìṣàmúlò-ètò

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);

Results are estimates for general guidance only, not financial, medical or tax advice.

Àkóónú ìṣàmúlò-ètò yìí

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