Nhazi
Ihe n'ime ọnwa, n'ụdị ego na net uru na-enweta na ego nkeonwe.
Nhọrọ ndị ahụ ga-akpụzi mgbe ị na-etipụta.
N'ihe banyere calculator a
A personal loan calculator turns a loan amount, APR and term into a fixed monthly payment and total interest, and accounts for an origination fee that many lenders deduct up front. The fee reduces the cash you actually receive while you still repay the full loan amount, so your true cost is higher than the headline rate.
The payment comes from standard amortisation on the full loan amount. For example, 15,000 at 11% APR over 3 years is about 491 a month and roughly 2,700 in total interest. If the lender charges a 5% origination fee, it takes 750 off the top, so you receive 14,250 but still repay the full 15,000 plus interest — which raises your effective borrowing cost above the stated 11%.
Use it to compare loan offers on payment and total cost, to see how the term changes the monthly amount, and to factor in fees that make a low advertised rate less attractive. Personal loans are usually unsecured and fixed-rate, so the payment stays constant for the whole term.
Ajụjụ ndị a na-ajụkarị
Olee otú ego nke ịmalitegharị na-emetụta ọnụọgụgụ?
Ndị na-enyefe ego na-ewepụkarị ụgwọ 1-8% site n’ihe a na-enyefe, ya mere, ego 15,000 na ụgwọ 5% na-eweta 14,250 n’ọnụ gị—ma ị na-akwụghachi ụgwọ 15,000 nakwa ego, na-eweta ọnụọgụgụ gị.
Gịnị ka m ga-achọ maka ịkwụ ụgwọ?
N'onwe gị, APRs na-agbagharị n'ụzọ dị ukwuu na kredit: ike na-egosipụta ike nwere ike ịhụ ọnụọgụ abụọ, ebe ọnụọgụ dị ala nwere ike ịhụ 20% + Ngwaọrụ a na-eji ihe ọ bụla APR ị na-eweta, yabụ nweta ọnụego tupu ị na-ewere ihe ngosi ahụ.
Gịnị ka ego nkeonwe nwere ike iji mee?
N'ihi na ha na-adịkarịghị adịgide, ọ dịghị ihe ọzọ achọrọ, mana ọnụọgụgụ dị elu karịa maka ego na-adịgide adịgide dị ka ego na-adịgide adịgide ma ọ bụ ego ụgbọ ala.
Ọ bụ ego onye ọrụ na-adị ọnụ ala karịa kaadị kredit?
Ọtụtụ mgbe, ee. Personal loan APRs bụ na-adịkarị ala ala dị ka typical credit-card ọnụego, na-eguzogide oge na-egbochi a payoff schedule. Consolidating elu-ọnụego kaadị ego na ala-ọnụego ego nwere ike wepụ ego na-eme ka ụgwọ.
Ònye ga-emetụta m ma m banye n'ihe nrite m?
Applying triggers a hard inquiry that can dip your score slightly, and the new loan raises your total debt. Over time, on-time payments and a lower credit-card utilisation from consolidation can help your score recover and improve.
Oge ole ka m ga-ahọrọ?
A oge na-adịghị ogologo pụtara elu ọnwa ụgwọ ma n'ebe dị anya na-adịghị zuru ezu interest; a ogologo oge na-ewepụ ọnwa ụgwọ ma na-ewe ọtụtụ ego. Họrọ oge na-adịghị ogologo nke ụgwọ na-adaba na-adị mfe na gị budget.
API — jiri kaadị a site na kóòdù
Kpọọ kalkulata a dịka ebe ngwụcha JSON n'efu - enweghị kii achọrọ. Ziga valiu ebe ahụ n'okpuru dịka paramita ajụjụ mọọbụ JSON. Ihe ọbụla ị na-ewepụ na-eji dìfọ́ọ̀ltụ̀ nke a na-edebe ihuakwụkwọ a na ya; parameter a na-amaghị bụ 400, ọ dịghị sẽọ̀rọ̀. Gụọ ngwe ndị ahụ niile →
Ebemkpofuozi
GET https://calculator.free/api/v1/personal-loan/curl
curl "https://calculator.free/api/v1/personal-loan/?amount=15000&rate=11&years=3"JavaScript fetch()
const r = await fetch(
"https://calculator.free/api/v1/personal-loan/?" + new URLSearchParams({
"amount": "15000",
"rate": "11",
"years": "3"
}));
const data = await r.json();
console.log(data.results);Ihe a na-ahụta bụ n'ihi nlekọta n'ozuzu ya, ọ bụghị nlekọta ego, ọgwụ ma ọ bụ nlekọta ego.