ຕົວຄິດໄລ່ຊີឌី
ຄິດໄລ່ມູນຄ່າທີ່ຈະໝົດອາຍຸແລະເງິນກູ້ທີ່ມີໃບຢັ້ງຢືນຂອງການຝາກເງິນ.
ຜົນການຄົ້ນຫາຈະຖືກອັບເດດເມື່ອທ່ານພິມມັນຂຶ້ນມາ & # 160; ។
ກ່ຽວກັບເຄື່ອງຄິດໄລ່ນີ້
you haveaCD, you can use this calculator to calculate the effective annual yield of your deposit. The effective annual yield is the percentage of the total interest earned on your deposit. The effective annual yield is the percentage of the total interest earned on your deposit. The effective annual yield is the percentage of the total interest earned on your deposit. The effective annual yield is the percentage of the total interest earned on your deposit. The effective annual yield is the percentage of the total interest earned on your deposit. The effective annual yield is the percentage of the total interest earned on your deposit.The maturity value is deposit × (1 + rate ÷ n)^(n × years), where n is how often it compounds.The maturity value is deposit × (1 + rate ÷ n)^(n × years), where n is how often it compounds.The maturity value is deposit × (1 + rate ÷ n)^(n × years), where n is how often it compounds.The maturity value is deposit × (1 + rate ÷ n)^(n × years), where n is how often it compounds.The maturity value is deposit × (1 + rate ÷ n)^(n × years), where n is how often it compounds.The maturity value is deposit × (1 + rate ÷ n)^(n × years), where n is how often it compounds.The maturity value is deposit × (1 + rate ÷ n)^(n × years), where n is how often it compounds.The maturity value is deposit × (1 + rate ÷ n)^(n × years), where n is how often it compounds.The effective annual yield is the percentage of the total interest earned on your deposit.The effective annual yield is the percentage of the total interest earned on your deposit.The effective annual yield is the percentage of the total interest earned on your deposit.The effective annual yield is the percentage of the total interest earned on your deposit.The effective annual yield is the percentage of the total interest earned on your deposit.The maturity value is deposit × (1 + rate ÷ n)^(n × years), where n is the maturity value.The maturity value is deposit × (1 + rate ÷ n)^(n × years), where
ຄໍາຖາມທີ່ຖາມເລື້ອຍໆ
ຄ່າດອກເບ້ຍ CD ແມ່ນຖືກຄິດໄລ່ແນວໃດ?
ເງິນຝາກປະສົມແຕ່ລະໄລຍະ: ອາຍຸ = ເງິນຝາກ × (1 + ອັດຕາ ÷ n) ^ (n × ປີ), ບ່ອນທີ່ n ແມ່ນຄວາມຖີ່ compounding. ເງິນກູ້ຢືມໄດ້ແມ່ນມູນຄ່າອາຍຸຫຼຸດລົງເງິນຝາກຕົ້ນສະບັບຂອງທ່ານ.
ຂ້ອຍຄວນຈະປຽບທຽບຊີດີໂດຍ APR ຫຼື APY?
ກົງກັນຂ້າມໂດຍ APY, ຍ້ອນວ່າມັນໄດ້ folded ໃນຄວາມຖີ່ compounding ແລະສະແດງໃຫ້ເຫັນສິ່ງທີ່ທ່ານໄດ້ຮັບຢ່າງແທ້ຈິງໃນຫນຶ່ງປີ. CD ສອງທີ່ມີ APR ດຽວກັນແຕ່ compounding ທີ່ແຕກຕ່າງກັນຈະມີ APYs ແຕກຕ່າງກັນເລັກນ້ອຍ.
CD ຕ້ອງເສຍພາສີບໍ?
ຍິນດີຕ້ອນຮັບ. ເງິນກູ້ຢືມໃນ CD ແມ່ນປົກກະຕິແລ້ວສາມາດເກັບພາສີໄດ້ຄືກັບລາຍຮັບປົກກະຕິໃນປີທີ່ມັນຖືກຮັບ, ເຖິງແມ່ນວ່າທ່ານຈະບໍ່ຖອນມັນ. ເຂົ້າອັດຕາພາສີ marginal ຂອງທ່ານເພື່ອເບິ່ງຫຼັງຈາກ-ພາສີ interest, ເຊິ່ງແມ່ນຈໍານວນທີ່ສໍາຄັນສໍາລັບການປຽບທຽບ CD ເກັບພາສີກັບບັນຊີພາສີ-ຜົນປະໂຫຍດ.
ຈະເກີດຫຍັງຂຶ້ນ ຖ້າຂ້ອຍຖອນຕົວອອກຈາກ CD ກ່ອນ?
CDs ຫຼາຍທີ່ສຸດ chargeapre-withdrawal penalty, often several months of interest, which can wipe out much of your gain or even dip into principal. ຕົວຄິດໄລ່ນີ້ຄິດວ່າທ່ານຖືໃຫ້ແກ່ອາຍຸ, ດັ່ງນັ້ນຫຼຸດລົງໂທດໃດໆເອງຖ້າຫາກວ່າທ່ານອາດຈະເງິນອອກກ່ອນ.
ໄລຍະເວລາ CD ຍາວກວ່າ ຈະເຮັດໃຫ້ມີລາຍໄດ້ຫຼາຍຂຶ້ນບໍ່?
ໄລຍະເວລາຍາວກວ່າໄດ້ຮັບເງິນກູ້ຢືມລວມຫຼາຍຂຶ້ນໃນອັດຕາທີ່ໃຫ້ແລະມັກຈະປະຕິບັດອັດຕາທີ່ສູງກວ່າ, ແຕ່ມັນຍັງປິດເງິນຂອງທ່ານຂຶ້ນຍາວກວ່າແລະເປີດເຜີຍທ່ານທີ່ຈະສູນເສຍອອກຖ້າຫາກວ່າອັດຕາການເພີ່ມຂຶ້ນ. ບາງຜູ້ເກັບໃຊ້ CD ຂັ້ນໄດ - staggered maturities - ເພື່ອສົມດຸນຜົນຜະລິດແລະເຂົ້າເຖິງ.
CD ຄືແນວໃດເມື່ອທຽບໃສ່ບັນຊີເງິນຝາກ?
CD ປົກກະຕິແລ້ວຈ່າຍສູງຂຶ້ນ, ອັດຕາການຕັ້ງຄ່າໃນຄໍາຕອບສໍາລັບການລັອກເງິນໄປສໍາລັບໄລຍະເວລາ, ໃນຂະນະທີ່ບັນຊີການຝາກຈ່າຍອັດຕາການປ່ຽນແປງທີ່ທ່ານສາມາດຖອນເວລາໃດກໍ່ຕາມ. ຖ້າຫາກວ່າທ່ານຈະບໍ່ຕ້ອງການເງິນກ່ອນທີ່ອາຍຸ, CD ສູງຮັບປະກັນ APY ມັກຈະຊະນະ.
API — ໃຊ້ເຄື່ອງຄິດໄລ່ນີ້ຈາກໂປຣແກຣມ
ໂທເຄື່ອງຄິດໄລ່ນີ້ເປັນຈຸດຈົບ JSON ຟຣີ - ບໍ່ຕ້ອງການກູໂກ. ສົ່ງຄ່າພື້ນທີ່ຂ້າງລຸ່ມນີ້ເປັນປາຣມາຕິກຄໍາຖາມ ຫຼື JSON. ອ່ານເອກະສານ API ເຕັມ →
ຈຸດສຸດທ້າຍ
GET https://calculator.free/api/v1/cd/curl
curl "https://calculator.free/api/v1/cd/?deposit=10000&rate=4.5&years=5"JavaScript fetch()
const r = await fetch(
"https://calculator.free/api/v1/cd/?" + new URLSearchParams({
"deposit": "10000",
"rate": "4.5",
"years": "5"
}));
const data = await r.json();
console.log(data.results);ຜົນໄດ້ຮັບແມ່ນຄາດຄະເນສໍາລັບຄໍາແນະນໍາທົ່ວໄປເທົ່ານັ້ນ, ບໍ່ການເງິນ, ຄໍາແນະນໍາທາງການແພດຫຼືພາສີ.