Şahsy Kalkülatory
Bir şahsy karz üçin aýlyk töleg, faiz we netto mukdary hasap ed
Netijeler ýazýan wagtyň täzelener.
Bu hasapçy hakda
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.
Köp soralýan soraglar
Başlanyş tölegi harçlygy nädip täsir edýär?
Kreditörler köplenç 1-8% başlangyç tölegi disbursed mukdardan düşürýärler, şonuň üçin 15,000 kredit 5% töleg bilen 14,250 siziň çepiňize goýýar - ýöne siz 15,000 töleg bilen bir hatarda faiz töleýärsiňiz, siziň effektiw mukdaryňyzy artdyryp.
Meniň gowy baha üçin näçe kredit nokadyň gerek?
Personal loan APRs wide swing with credit: strong scores can see single-digit rates, while lower scores may face 20% + This tool uses whatever APR you enter, so get a quote before relying on the figure.
Şahsy karz näme üçin ulanylyp bilner?
Azda-azda hernäme - borç konsolidasiýa, öýi gowulandyrmak, saglyk hasaplary, uly satyn almak ýa-da agyr ýagdaý. Olar aňsatlyk bilen kepilsizdirler, hiç bir kepil gerek däl, emma tölegler kepilsiz kreditlerden has ýokarydyr, mysal üçin ipoteka ýa-da awto kredit.
Şahsy karz kredit kartyndan has gymmatmy?
Köplenç, eý. şahsy karz APRs köplenç kredit kartlary töleglerinden aşakdadyr we belli bir möhlet bir töleg planyny talap eder. ýokary tölegli karz balansyny aşak tölegli şahsy karza birikdirmek tölegleri azaltyp we aňsatlaşdyryp biler.
Şahsy karz almak meniň kredit balyma täsir edermi?
Saýlamak siziň reýtingiňizi azrak aşak düşürip biler we täze karz siziň jemi borçyňyzy artdyryp biler. Zaman geçýänçe, wagtly tölegler we konsolidasiýadan düşük kredit kart ulanyş reýtingiňizi dikeldip we gowulandyryp biler.
Haýsy sözlemy saýlamaly?
Kısa möhlet, ýokary aýlyk tölegler, ýöne az tölegler manysyna gelýär; uzak möhlet, aýlyk tölegleri azaldýar, emma tölegler köp bolýar. Siziň býujetiňize laýyk gelýän iň gysga möhleti saýlaň.
API — bu hasapçyny koddan ullan
Bu hasapçyny boş JSON ahtar noktasy hökmünde çagyr - açar gerek däl. Aşakdaky meýdança mykdarlaryny soragyň parametrleri ýa-da JSON hökmünde iber. Siziň goýmaýan hernäňiz şu sahypanyň öň bellenen öň bellenenini ulanýar; namydar parametr 400, hiç wagt sessiz sıfır däl. Eňlisçe senedleri oka →
Endpoint
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);Netijeler diňe umumy ýardam üçin hasaplanypdyr, maliýe, saglyk ýa-da salgyt maslahaty üçin däl.