Loan Calculator
Kuchita ntchito zolipira ndi ndalama zonse za ngongole ya amortized, yotsiriza kapena yolimba-style.
Zithunzizi zimasintha monga momwe mumalemba.
Zachidule
A loan calculator turns a loan amount, interest rate (APR) and term into a fixed payment and shows how much interest you pay in total. For an amortized loan it uses the standard payment formula — the nominal APR is first converted to a rate per payment period using your chosen compounding frequency, then spread over the number of payments so the balance falls to zero by the end of the term. Use the tabs for the three main loan shapes: an amortized loan paid down in equal instalments, a deferred loan repaid as a single lump at maturity, and a bond-style loan where you solve the price that grows to a set amount due.
For example, a 20,000 personal loan at 7.5% APR over 5 years, paid monthly, comes to a payment of about 401 a month. Across all 60 payments you repay roughly 24,050, so the loan costs you around 4,050 in interest. Shortening the term or dropping the rate lowers that interest; paying weekly instead of monthly, or adding an extra payment each period, clears it faster still.
Use a loan calculator to compare offers on a personal, student or business loan, to work out whether a shorter term is affordable, and to see the real cost of borrowing before you sign — the total interest is often far larger than the headline rate suggests.
Mafunso ofunsidwa nthawi zambiri
Kodi pali kusiyana kotani pakati pa ngongole yosinthidwa ndi ngongole yosinthidwa?
A amortized ngongole ndi kubwezeredwa mu ndalama nthawi zonse zofanana kuti aliyense kuvala ndalama zambiri ndi zina kapitali, kotero malire akhoza kugwa ku zero pamapeto a nthawi. A deferred ngongole amachita palibe ndalama nthawi ya term — ndalama compounds ndi zonse ndalama zambiri ndi ndalama zambiri ndi zoyenera monga imodzi ndalama pa nthawi ya kumapeto.
Kodi ndalama zochuluka zimagwira ntchito bwanji pano?
A bond (zero-coupon) ngongole ntchito mmbuyo: inu kuika ndalama zoyenera pa nthawi yomaliza ndi mtengo, ndi calculator amachotsa mtengo inu mudzalandire lero, amene ndi kuti ndalama za m'tsogolo discounted m'mbuyo pa mtengo compounding.
Kodi kuwonjezera ndi pay-back nthawi zambiri kusintha ndalama?
Yes. The nominal APR ndi kusinthidwa kuti mtengo pa nthawi ya malipiro pogwiritsa ntchito chosankhidwa compounding nthawi zambiri, kotero kulipira sabata iliyonse versus mwezi, kapena compounding tsiku versus chaka, amasintha onse nthawizonse malipiro ndi ndalama zonse.
Kodi pali kusiyana kotani pakati pa APR ndi mtengo wa ndalama?
APR (zakanthawi zonse peresenti mtengo) ndi cholinga chodula mu ndalama zina monga bwino, kotero kuti ndi nthawi zambiri bwino mnda kwa kuyerekezera ngongole. Izi calculator amaona chifaniziro inu kulowa monga zakanthawi zonse mtengo wogwiritsa ntchito ku malire.
Kodi ndingatani kuti ndilandire ndalama zochuluka kwambiri?
Kuwonjezera ndalama mu gawo la malipiro ena, kufupikitsa nthawi, kapena kulipira nthawi zambiri. Malipiro onse opitilira malipiro osankhidwa amapita mosalekeza ku kapitali, zomwe zimachepetsa ndalama zosawerengeka ndi kuchepetsa ndalama zonse zomwe mumalipira pamoyo wa ngongole.
Kodi ndalama zolipira ndalama zimaphatikizapo ndalama zolipira?
Sichoncho. Mtengo wa ngongole ndi ndalama zomwe mwalandira. Mtengo wa ngongole umawonjezedwa panthawi yolipira — zotsatira za “kubwezera kwa ndalama zonse” ndi ndalama zomwe mwalandira ndi ndalama zonse zomwe mwalandira, zomwe ndi zomwe zimatuluka m’manja mwanu pamapeto pake.
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/loan/curl
curl "https://calculator.free/api/v1/loan/?amount=20000&maturity_value=25000&rate=7.5&years=5&_mode=amortized"JavaScript fetch()
const r = await fetch(
"https://calculator.free/api/v1/loan/?" + new URLSearchParams({
"amount": "20000",
"maturity_value": "25000",
"rate": "7.5",
"years": "5",
"_mode": "amortized"
}));
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.