Àwọn Ìṣàmúlò-ètò

Fi iṣẹ́ paṣẹ́ nípa ìṣàmúlò-ètò àti ìṣàmúlò-ètò ìṣàmúlò-ètò nípa ìṣàmúlò-ètò tí a tí ìṣàmúlò-ètò náà, tí a tí ìpàdé tabi tí a tí ìṣàmúlò-ètò bóntìnì-ìṣàmúlò-ètò.

Àwọn Ìgúnrégé ?

Fun a bond, yi owo ti wa ni titun fun o.

Àwọn ìṣàmúlò-ètò ?

Àwọn àwọn ààtò àwọn ààtò àwọn ààtò àwọn ààtò àwọn ààtò àwọn ààtò àwọn ààtò àwọn ààtò àwọn ààtò àwọn ààtò àwọn ààtò àwọn ààtò àwọn ààtò àwọn ààtò àwọn ààtò

Àwọn ìṣàmúlò-ètò

Òṣù àwọn ìṣàmúlò-ètò ?

Fi àwọn oṣù àwọn tí a fi pamọ́ sí inú àwọn oṣù tí a fi pamọ́ sí.

Àwọn ìṣàmúlò-ètò

Ìgbà ìṣàfarawé àwọn ìṣàmúlò-ètò

Ìfíràn/àpẹ̀lú ?

Iṣẹ́guń tí a fi pamọ́ nípa ìdíyelé́ nípa ìdíyelé́ tí a fi pamọ́.

Ìṣàmúlò-ètò —

Àwọn ìṣàmúlò-ètò —

Àwọn àwọn —

Àkóónú —

Àwọn Àtòjọ-ẹ̀yàn àwọn ìṣàmúlò-ètò

Ńlà àwọn àwọn ààtò àtòjọ-ẹ̀yàn yìí?

Àkóónú ìṣàmúlò-ètò yìí

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.

Àwọn Àtòjọ-ẹ̀yàn

Kini iyatọ laarin owo-ori ti a fi pamọ́ ati owo-ori ti a fi pamọ́?

Ó fi ẹ̀yàn tí a tí àtílẹ̀ jẹ́ láti pàdé nínú àwọn àwọn pàtà àwọn pàtà tí a tí fi pamọ́ nínú àwọn pàtà tí a tí fi pamọ́. Ó fi ẹ̀yàn tí a tí pàtà pamọ́ ṣé kò ní pàtà nínú àwọn pàtà - àwọn pàtà tí a tí fi pamọ́ nínú àwọn pàtà tí a tí fi pamọ́ nínú àwọn pàtà tí a tí fi pamọ́ nínú àwọn pàtà tí a ti fi pamọ́.

Bawo ni owo-ori-awọn

A bond (zero-coupon) loan ṣiṣẹ́ nípa ìsàlẹ̀: ò fi àwọn owóọ̀kan tí a fẹ́ nínú ìgbàdá atí àwọn ìṣàmúlò-ètò, àtí káànṣè náà ń dáwọ́ ìtàn tí ò fẹ́ pàṣẹ̀ lọ́wọ́lọ́wọ́, tí ò jẹ́ owóọ̀kan tí a fẹ́ pàṣẹ́ nínú ìṣàmúlò-ètò ìṣàmúlò-ètò.

Ńlà àwọn ìṣàmúlò-ètò ìṣàmúlò-ètò àti àwọn ìṣàmúlò-ètò ìṣàmúlò-ètò?

Ya. APR tí a fi yipada sí àwọn ìtàn nínú àwọn ìgbà fifọ́ọ̀sì lórí àwọn ìgbà fifọ́ọ̀sì tí a yan, bẹ́ẹ̀ fifọ́ọ̀sì nínú àwọn ààyè àwọn oṣù, àti nínú àwọn oṣù, àti nínú àwọn oṣù, tí wọ́n yipada nínú àwọn fifọ́ọ̀sì àwọn oṣù atí nínú gbogbo àwọn ìtàn.

Kini iyatọ laarin APR ati iye owo-ifowopamọ?

The plain interest rate is the cost of borrowing the principal. APR (annual percentage rate) is meant to fold in certain fees as well, so it is usually the better number for comparing loans. This calculator treats the figure you enter as the annual rate applied to the balance.

Bawo ni mo ṣe le sanwo owo-ori ti mo gba?

Fi iye kan kun ààyè-iṣẹ́ ifowopamọ́, fi àwọn ìgbà tí o bá jẹ́, tàbí fi owò kan kun nígbà kan. Àwọn owò gbogbo tí o jú ifowopamọ́ tí a tí kọ́ ní pàtó lọ sí àwọn àwọn ààyè-iṣẹ́, tí o fi àwọn

Ńlà àwọn ìṣàmúlò-ètò àwọn ìṣàmúlò-ètò?

No. The loan amount is the principal you actually borrow. The interest is charged on top over the term — the "total repaid" result is the principal plus all the interest, which is what leaves your pocket in the end.

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/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);

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

Àkóónú ìṣàmúlò-ètò yìí

Àwọn Àtòjọ-ẹ̀yàn