Kalkaaliyeyaasha
U shaqeeyo bixitaanka iyo faa'iidada guud ee la amortized, dib loo dhigay ama deyn-style.
Natiijooyinka cusbooneysiinta sida aad ku qorto.
Ku saabsan Kalkaaliyahan
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.
Su'aalaha badanaa la isweydiiyo
Maxaa u dhexeeya deyn la bixiyo iyo deyn dib loo dhigay?
A deyn amortized waa la soo celin doonaa in lacagta joogtada ah oo isku mid ah oo mid kasta oo ka mid ah daboolka faa'iido iyo qaar ka mid ah aasaasiga ah, sidaas daraaddeed miisaaniyadda hoos u dhac sideed by dhamaadka waqtiga. A deyn dib loo dhigay ma bixiyaan lacagaha inta lagu jiro waqtiga - faa'iido isku darka iyo aasaasiga ah oo dhan iyo faa'iido waa la siiyaa sida mid ka mid ah lacag la'aan ah marka ay da'da.
Sidee baa la deyn-sida bond shaqada halkan?
A bond (zero-coupon) deynta shaqooyinka dib: waxaad siisaa lacag la siiyo marka ay dhamaato iyo qiimaha, iyo xisaabiyaha xal u tahay qiimaha aad maanta bixin lahaa, taas oo ah in lacagta mustaqbalka dib u dhimis ku lacagta compounding.
Ma compounding iyo pay-back frekuency bedeli lacag?
Haa. APR magaceed waa la beddelay si ay heerka kasta oo muddo lacag bixin oo isticmaalaya tirada isku darka la doortay, sidaa darteed bixiyo toddobaad kasta oo ka hor bil kasta, ama isku darka maalin kasta ka hor sanadka, isbedelka labadaba lacagta joogtada ah iyo faa'iidada guud.
Waa maxay farqiga u dhexeeya APR iyo qiimaha faa'iido?
APR (kaarka sanadlaha ah ee boqolkiiba) waa in la isku duubto in lacago gaar ah oo kale, sidaas darteed waa caadi ahaan tirada ka fiican ee la barbardhigo deymaha. Kalkaaliyihiini wuxuu u dhaqmaa sawirka aad gasho sida qiimaha sanadlaha ah ee la isticmaalay si ay u miisaaniyadda.
Sideen ugu bixin karaa deyn si degdeg ah?
Ku dar lacag ku filan goobta lacag-bixinta dheeraadka ah, yareynta muddada, ama bixi si joogto ah. Lacagta kasta oo ka sarreysa lacag-bixinta qorshaysan si toos ah ayay u gashaa aasaaska, taas oo ka saarta miisaaniyadda ka hor iyo hoos u dhigta faa'iidada guud ee aad bixiso nolosha deynta.
Miyuu deynku ku jiraa faa'iido?
Ha. Qiimaha deynta waa lacagaha aad dhab ahaantii ku deynayso. Lacagta waa in laguu soo celiyo inta aad ku nooshahay - "lacagta guud ee la soo celiyay" waa lacagaha ugu badan ee lacagta, taas oo ah waxa ka tagaya jeebkaaga dhamaadka.
API — isticmaal xisaabinta ka code
Wici xisaabinta sida free JSON endpoint - key ma loo baahan yahay. Dib u soo dir qiimaha goobta hoos ku qoran sida parameters su'aal ama JSON. Wax kasta oo aad ka maqan tahay isticmaalaa default la mid ah ee boggani waa hore loo buuxiyey la; parameter aan la aqoon waa 400, marnaba ma aha zero maqan. Akhri dhammaan API xuquuqda →
Xarafka
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);Natiijooyinka waa tirakoobka loogu talagalay tilmaamaha guud oo keliya, maaha dhaqaale, caafimaad ama talo bixin canshuur.