EMI Calculator ndi Maphunziro
Kafukufuku wa 2015 anasonyeza kuti 10% ya anthu aku America ali ndi ngongole ya mwezi (EMI).
Zithunzizi zimasintha monga momwe mumalemba.
Zachidule
An EMI (equated monthly instalment) is the fixed amount you repay each month on a loan, covering both interest and principal, and this EMI calculator works it out from the loan amount, annual interest rate and tenure. It also shows the total interest and the total payment over the life of the loan, and lets you add an extra monthly amount to clear the loan sooner.
The formula is EMI = P × i × (1 + i)^n ÷ ((1 + i)^n − 1), where P is the principal, i the monthly rate (annual rate ÷ 12 ÷ 100) and n the number of months. For example, a 1,000,000 loan at 9% over 20 years gives an EMI of about 8,997; early instalments are mostly interest and later ones mostly principal, but the EMI itself stays constant throughout.
Use it for home, car or personal loans to check the monthly commitment before borrowing, to compare tenures, or to see how a longer tenure trims the EMI while inflating total interest. Adding even a small extra monthly payment shifts the balance toward principal and shortens the loan.
Mafunso ofunsidwa nthawi zambiri
Kodi ndi chiyani EMI formula?
EMI = P × i × (1 + i) ^ n ÷ ((1 + i) ^ n − 1), kumene P ndi waukulu, i mwezi mtengo (zaka ÷ 12 ÷ 100) ndi n mnda wa miyezi.Izi ndi zofanana amortization mathematics ntchito kwa aliyense fixed-instantaneously ngongole.
Kodi nthawi yaitali kuchepetsa EMI wanga?
Ndikukhulupirira kuti mukudziwa kuti kunyamula ndalama kumachepetsa ndalama zanu za mwezi ndi mwezi chifukwa ndalama zanu zimagawidwa m’miyezi ingapo, koma ndalama zonse zomwe mumalipira zimawonjezeka kwambiri. Kunyamula ndalama mofulumira kumatanthauza ndalama zambiri koma ndalama zochepa.
Kodi pali kusiyana kotani pakati pa EMI ndi cholinga chokha?
EMI ndi yopangidwa pa kuchepetsa-balance (compound) amortization, kumene ndalama mwezi uliwonse ndi kulipira okha pa chiyambi chosawerengeka, amene amagwa monga inu kulipira. Simple ndalama zimalipira mtengo wokhazikika pa ndalama zoyambirira zonse ndi nthawi zambiri ntchito kunja kwambiri chosungira kwa wolandira ndalama.
Kodi kulipira mobwerezabwereza kumachepetsa bwanji ndalama zanga za EMI?
A chindapusa akupita kwathunthu kwa bungwe, kotero pang'ono ndalama zimawonjezeka pa malire ochepa kuchokera pamenepo. Mu extra-kulipira nyanja, ngakhale mofulumira mwezi top-up angachepetse ndalama zambiri off the teneure ndi kupulumutsa mbale lalikulu la ndalama zonse.
N’chifukwa chiyani ambiri a EMI anga oyamba amafuna ndalama?
Kuyambira m'mayambiriro a ngongole chiyambi cha chiyambi chimatuluka ndi chachikulu, choncho gawo la ndalama la EMI lokhazikika ndilo lalikulu ndipo ochepa amapita ku chiyambi. Popeza malire amachepetsedwa, chigawo chimasintha, ndipo kumapeto kwa nthawi pafupifupi zonse za EMI zimalipira chiyambi.
Kodi ndalama zochuluka zochuluka zimawonjezera ndalama zanga za EMI kwambiri?
Chifukwa cha ndalama zosawerengeka m’maola ambiri, ngakhale kuwonjezeka kwa ndalama zosawerengeka kwa mphindi imodzi kumawonjezera mosaoneka EMI ndi ndalama zonse zosawerengeka – dinani pa zigawo zosiyanasiyana pamwambapa kuti mudziwe mmene ndalamazo zimakhalira.
API — kugwiritsa ntchito izi calculator kuchokera code
Kuti mudziwe zambiri, pitani ku www.json.org/json.html. Kuti mudziwe zambiri, pitani ku www.json.org/json.html. Chomweko chilichonse chimene mumasiya chimagwiritsa ntchito mfundo yoyamba yomweyi yomwe tsambali limagwiritsa ntchito; mfundo yosadziwika ndi 400, siyiyenera kukhala zero yosadziwika. Onani zonse API docs →
Chithunzi
GET https://calculator.free/api/v1/emi/curl
curl "https://calculator.free/api/v1/emi/?amount=1000000&rate=9&years=20"JavaScript fetch()
const r = await fetch(
"https://calculator.free/api/v1/emi/?" + new URLSearchParams({
"amount": "1000000",
"rate": "9",
"years": "20"
}));
const data = await r.json();
console.log(data.results);Zimenezi ndi zowerengera zokhudzana ndi malangizo amtundu uliwonse, si zokhudzana ndi ndalama, zamoyo kapena zokhudzana ndi ndalama.