EMI Hesabu
Piga hesabu ya kiasi kilichokadiriwa kila mwezi cha pesa (MEI) kwa mkopo wowote ule.
Matokeo yanakuwa bora zaidi unapochapa.
Kuhusu kifaa hiki cha kupigia hesabu
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.
Maswali yaliyoulizwa mara nyingi
EMI thiolojia ni nini?
EMI = P × i × (1 + i)^n ÷ ((1 + i)^n − 1), where P is the principal, i the monthly rate (annual ÷ 12 ÷ 100) and n the number of months. It is the same amortisation maths used for any fixed-instalment loan.
Je, mkazo zaidi wa akili hupunguza EMI yangu?
Ndiyo, lakini kwa gharama ndogo kila mwezi EMI kwa sababu mkuu wa shule anaenea kwa miezi mingi zaidi, lakini faida ya jumla inayolipwa huongezeka kwa kiwango kikubwa.
Kuna tofauti gani kati ya EMI na kupendezwa kwa njia rahisi?
EMI imeundwa kwa kupunguza ulawiji (kwa kutumia mujibu wa picha) wa hali ya hewa, ambapo maslahi hutozwa kwa mkuu mwenye kutokeza, ambaye huangukia unapolipa.
Kulipa mapema hupunguzaje mkopo wangu wa EMI?
Kulipwa kwa fedha za kabla ya upasuaji hufanyika kwa mwalimu mkuu, kwa hiyo riba kidogo zaidi huongezeka kutoka wakati huo na kuendelea.
Kwa nini sehemu kubwa ya upendezi wangu wa mapema ni EMI?
Mapema katika mkopo huo mkuu ni mkubwa, kwa hiyo riba ya kila sehemu ya EMI iko juu na ni chache humwendea mkuu.
Je, kiwango cha juu cha riba kinaongeza kiasi cha EMI yangu?
Ndiyo, hasa kwa miisho mirefu. Kwa sababu misombo ya riba kwa miezi mingi, hata kiwango cha juu kinaongezeka kinaongezeka na pia kinaongeza kiasi cha riba ndiye anayeingia katika viwango tofauti vilivyo juu ili kuona kiasi cha riba kinachotakiwa.
API bustanini hutumia kifaa hiki cha hesabu kutoka kwenye mfumo wa sheria
Ipigie simu kifaa hiki cha kupigia hesabu kama Junse É not doot toder. Chochote unachoacha kinatumia kiwango kilekile cha mwisho ambacho ukurasa huu haujakamilika; parameta isiyojulikana ni 400, si sufuri kimya kamwe. Soma habari kamili za API docs →
keyboard label
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);Matokeo ni makadirio ya mwongozo wa ujumla, si wa kifedha, wa kitiba au wa kodi tu.