RAPR 计算器
一旦包括了收费和折扣点,就找到贷款的真实的卢旺达人民军。
输入结果时更新 。
关于此计算器
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.
经常问到的问题
年度年报与利率有什么区别?
利率是余额的累积值;卢旺达爱国军还在整个贷款中分摊预付费用和点数,因此总是等于或高于记分率。 卢旺达爱国军是比较贷款报价的更公平的数字。
贴现点如何处理?
每点都花费贷款金额的1%,在结束时支付,并且被加到您的收费中。 因为你预付了贷款,但仍然全额偿还贷款,所以他们提高了有效利率 — — 这正是卢旺达爱国军所抓住的。
为什么非洲同侪审议机构高于利率?
因为国安局在贷款时将预付费用和点数分散到贷款中,而支付仍然以全额贷款数额为基础。 你实际上借的钱少于偿还的数额,因此,只要收取费用,真正的年度成本(国安局)就高于记账率。
贴现点值不值得买?
点数降低你的备注汇率,以换取现现金,这提高了国安局的预付利率,但如果贷款足够长的时间以收回成本,则可以降低终身利息。 在此添加点数, 以观察它们如何改变支付和有效国安局。
低等爱国军是否总是意味着便宜贷款?
通常情况下,但并非总是 — — 国安局假设你持有贷款的期限为整个期限。 如果您打算提前出售或再融资,则以国安局较高的但较低的预付费用贷款实际上可以降低成本,因此,将总费用与您将保留多久的比例权衡。
复兴共和军的收费包括哪些?
计算器在收费和关闭成本上折叠,输入的金额加上任何贴现点,以计算实际收到的金额。 真实世界的非洲复兴军定义在收费计算的确切价值上有所不同,因此放款人所引用的非洲复兴军可能与这一估计略有不同。
API - 使用代码中的计算器
将此计算器称为自由 JSON 端点 。 不需要按键 。 将字段值发送到下面作为查询参数或 JSON 。 任何您省略的, 都会使用相同的默认值, 此页面预填的默认值是预填的; 未知参数是 400, 而不是静音零 。 读取 API 全部文件 →
终点
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);成果仅是一般指导的估计数,而不是财务、医疗或税务咨询。