Àwọn Ìṣàmúlò-ètò

Fi àwọn ìṣàmúlò-ètò àwọn ìṣàmúlò-ètò àwọn ìṣàmúlò-ètò àwọn ìṣàmúlò-ètò àwọn ìṣàmúlò-ètò àwọn ìṣàmúlò-ètò

Àwọn Ìgúnrégé

Àwọn ìṣàmúlò-ètò

Ìdírẹ̀sì ?

Àwọn akojopo tí a fi kuń nínú oṣù kan nínú oṣù kan nínú oṣù kan.

Àwọn ààyè-iṣẹ́ —

Àwọn ìṣàmúlò-ètò —

Àwọn Àtòjọ-ẹ̀yàn àwọn ìṣàmúlò-ètò

Ńlà àwọn àwọn ààtò àtòjọ-ẹ̀yàn yìí?

Àkóónú ìṣàmúlò-ètò yìí

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.

Àwọn Àtòjọ-ẹ̀yàn

Kini àwọn ìṣàmúlò-ètò EMI?

EMI = P × i × (1 + i) ^n ÷ ((1 + i) ^n − 1), ibi ti P ni awọn principal, i ni oṣuwọn oṣuwọn (oṣuwọn ọdun ÷ 12 ÷ 100) ati n ni nọmba ti osu. O ni kanna amortization mathematics lo fun eyikeyi fixed-instantaneously owo-ori.

Njẹ aago pipẹ kan le dinku EMI mi?

Ya, sugbon nínú iye. Ìgbà tí a bá fi pẹ̀lú ìgbàgbọ́ pẹ̀lú ìgbàgbọ́ pẹ̀lú ìgbàgbọ́ pẹ̀lú ìgbàgbọ́ pẹ̀lú ìgbàgbọ́ pẹ̀lú ìgbàgbọ́ pẹ̀lú ìgbàgbọ́ pẹ̀lú ìgbàgbọ́ pẹ̀lú ìgbàgbọ́ pẹ̀lú ìgbàgbọ́ pẹ̀lú ìgbàgbọ́ pẹ̀lú ìgbàgbọ́ pẹ̀lú ìgbàgbọ́ pẹ̀lú ìgbàgbọ́ pẹ̀lú ìgbàgbọ́ pẹ̀lú ìgbàgbọ́ pẹ̀lú ìgbàgbọ́ pẹ̀lú ìgbàgbọ́ pẹ̀lú ìgbàgbọ́ pẹ̀lú ìgbàgbọ́ pẹ̀lú ìgbàgbọ́.

Kini iyatọ laarin EMI ati owo-ori ti o rọrun?

EMI is built on reducing-balance (compound) amortisation, where interest each month is charged only on the outstanding principal, which falls as you repay. Simple interest charges a flat rate on the original amount throughout and usually works out more expensive for the borrower.

Bawo ni a ṣe le mu ifowopamọ lọ́wọ́lú mì pọ̀?

A prepayment lọ ni gbogbo lọ si principal, ki o si kere ju owo-ori ti a ti gba lori ti o kere ju ifowopamọ lati nigba naa. Ninu àgbègbè-owo-ori, paapaa a modest oṣu-ọla le se egbin diẹ ninu awọn ifowopamọ kuro ni titun ati ki o tọju a nla pẹpẹ ti gbogbo owo-ori.

Kini idi ti o ti wa ni diẹ ninu mi ti o ti wa ni titun EMI ifẹ?

Ni igba akọkọ ninu awọn owo-ori awọn ti o wa ni ti o tobi, ki o si awọn ipin ti owo-ori ti gbogbo ti o tọ EMI ni giga ati ki o kere lọ si awọn oludari. Bi awọn iwuwo ti o ti pọju awọn flips ti a pin, ati ki o si ti o ti pari nibẹ nibẹ ni gbogbo ti gbogbo EMI repays awọn oludari.

Njẹ oṣuwọn owo-ori ti o gaju le mu EMI mi pọ si?

Ya, nípárá nípá tí o bá jẹ́ pé o tí n gbọ́dọ̀. Nítorí pé o tí n gbọ́dọ̀ sí ìdíyelé nínú oṣù mẹ́tà, a tí lè fi ìdíyelé kan pọ̀ jú lọ́wọ́lú nínú oṣù mẹ́tà lọ́wọ́lú - tẹ̀lẹ̀ nínú ìdíyelé mìíràn nípàrá lati wó bí o tí n gbọ́dọ̀ sí ìdíyelé náà.

API — ló àwọn ìṣàmúlò-ètò yìí láti inú ìṣàmúlò-ètò

Fi àwọn ìṣàmúlò-ètò yìí kọ̀ǹpútà yìí láti jẹ́ ààyè-iṣẹ́ JSON tí a tí fi pamọ́ - kò ní bọ́tìnì kan tí a fẹ́. Fi àwọn fálù ààyè-iṣẹ́ sílẹ̀ sí bí àwọn àwọn ìṣàmúlò-ètò àti JSON. Anything you omit uses the same default this page is pre-filled with; an unknown parameter is a 400, never a silent zero. Ka àwọn àkọlé API kíkún →

Àwọn Ààyè Ìjánu-ìṣàmúlò-ètò

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);

Results are estimates for general guidance only, not financial, medical or tax advice.

Àkóónú ìṣàmúlò-ètò yìí

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