I-Calculator
Thola i-APR esemthethweni yemali engenayo uma izindleko nezipho zokunciphisa zifakazelwa.
Iziphetho zivuselelwa uma ubhala.
Malunga nale khadi
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.
Imibuzo ebuzwa kaningi
Yini ushintsho phakathi kwe-APR nezinga lenzuzo?
Izinga lenzuzo yilokho okuqokwa ku-equilibrium; i-APR ifaka izindleko ezingaphambili kanye namaphuzu ebhange, ngakho-ke ihlala ilingana noma iphakeme kunezinga le-notice. I-APR yinombolo efanelekayo yokuqhathanisa iziphakamiso zebhange.
Uyini umkhawulo wokwehla kwentengo?
Ingxenye ngayinye izindleko 1% yemali yokukhokha, ikhokhwe ekugcineni, futhi kufakwe izindleko zakho. Ngenxa ukhokha kubo upfront kodwa uphinde ukhokhe imali yokukhokha ephelele, baphakamisa inani elisebenzayo - okuyinto ngokucacile yini APR iqoqa.
Kungani i-APR iphakeme kunenani lenzuzo?
Ngenxa APR isakazeka upfront amaholo kanye amaphuzu phezu izimali ezikhokhelwa ngenkathi ukukhokha kuqhubeka ngokuya ngemali izimali ezikhokhelwa ngokuphelele. Uzothola ngokuphumelelayo ukudlulisa ngaphantsi kunalokho ukhokhela emuva, ngakho ngempela izindleko ngonyaka - APR - ihlala phezulu isilinganiso note lapho amaholo zikhokhwa.
Ingabe amaphuzu entengo ephansi afanele ukuthenga?
Amaphuzu aphansi isilinganiso sakho sokubhala ngokushintshana ngemali engenayo manje, okuphakamisa i-APR ngaphambili kodwa kunganciphisa izindleko zokuphila uma ugcina i-akhawunti yezimali isikhathi eside ngokwanele ukubuyisela imali engenayo. Engeza amaphuzu lapha ukuze ubone ukuthi bashintsha kanjani ukukhokha kanye ne-APR esebenzayo.
Ingabe i-APR ephansi ihlala ibhekisela ekutholeni imali engenayo ephansi?
Uma uhlela ukuthengisa noma ukukhokhela kabusha kuqala, izimali ezinama-APR aphezulu kodwa ama-premium aphansi zingakubiza imali encane, ngakho-ke ucabangele inani le-premium egcwele ngokumelene nosikhathi ongeke ugcine izimali.
Yini amazindleko ezifakazelwe ku-APR?
Le calculator imilenze ezikhokhelwa kanye ukuvala izindleko ufaka kanye nanoma iyiphi iphoyinti ukuphoqelela into eningi wena ngokuphumelelayo uthola. Real-world APR izichazamazwi zihluka ngokucacile ukuthi kuphi amaholo count, ngakho umqashi's sithi APR kungahluka kancane kusuka kule sinqumo.
API — sebenzisa le calculator kusuka kukhodi
Nquma le calculator njenge JSON evulekile yendawo yokuqeda - akukho isithonjana esidingekayo. Thumela amaxabiso endawo ngezansi njengezilungiselelo zombuzo noma i-JSON. Noma yini ongayishiya isebenzisa iphutha elifanayo elifakwe ngaphambili lekhasi; ipharamitha engaziwa yi-400, ayikho i-zero emnyama. Funda i-API egcwele →
Ingxenye yendawo
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);Izibalo ziyisilinganiso esisetshenziswa ukuqondisa kuphela, hhayi ukucebisa ngezimali, ukwelashwa noma ukukhokha.