I-Calculator yeNtlawulo yoBuqu
Khangela iindleko zonyaka, iindleko zenzuzo kunye nexabiso elipheleleyo elifunyenwe kwityala lomuntu.
Iinketho ze projekti
Malunga nale Calculator
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.
Imibuzo ebuza rhoqo
Ixabiso lokuqalisa lichaphazela njani ixabiso?
Abanikeli bemali bahlala besusa i-1-8% yemali efunekayo yokuqalisa inkqubo kwimali enikezelwa, ngoko ke ityala le-15 000 nge-5% yemali ibeka i-14 250 kwipocket yakho - kodwa uhlala uhlawula i-15 000 kunye nenzuzo, unyusa umyinge wenzala osebenzayo.
Yintoni inqaku lemali ekufuneka ndilithathe ukuze ndifumane ixabiso elilungileyo?
I-APR yemali-mboleko yobuqu itshintsha ngokubanzi ngoncedo lwemali: iinkwenkwezi ezinamandla zinokubona i-APR yenani elinye, ngelixa iinkwenkwezi eziphantsi zingabona i-20%+. Le sixhobo sisebenzisa nayiphi na i-APR oyisebenzisayo, ngoko ke khangela ixabiso phambi kokuba uthembele kumfanekiso.
Yintoni ekufuneka isetyenziswe ityala lomuntu siqu?
Kuninzi izinto ezinokuthi zisetyenziswe—ukudityaniswa kwetyala, ukuphuculwa kwekhaya, iindleko zonyango, ukuthengiswa okukhulu okanye iimeko ezikhawulezayo. Kuba zihlala zingenakhuselo, akukho mfuneko yokuba zikhuselwe, kodwa iindleko ziphezulu kuneemali ezikhuselekileyo ezinjengemali yokugcina indlu okanye imali yokuhambisa imoto.
Ingaba ityala lomuntu siqu libiza ngaphantsi kunekhadi letyala?
I-APR yemali-mboleko yobuqu ihlala iphantsi kakhulu kunexabiso eliqhelekileyo lekhadi letyala, kwaye ixesha elimiselweyo libangela ukuba kubekho uluhlu lokuhlawula. Ukudibanisa i-akhawunti yekhadi eliphezulu lexabiso kwimali-mboleko yobuqu ephantsi kunokunciphisa inzala nokunciphisa ukuhlawula.
Ingaba ukutyala imali yobomi bam kubangela ukuba ndifikelele kwinqanaba lemali elungileyo?
Ukufaka isicelo kubangela ukuba kuqhutywe umbuzo onzima onokuthi ukhuphe inqaku lakho, kwaye ityala elitsha linyusa ityala lakho lonke. Ngexesha elizayo, ukuhlawula ngokufanelekileyo kunye nokusetyenziswa okuphantsi kwekhadi letyala ngenxa yokudityaniswa kunokunceda inqaku lakho libuye likhule.
Yintoni isihloko kufuneka ndikhethe?
Ixesha elifutshane lithetha ukuba uhlawulwe imali eninzi kodwa uhlawule iindleko ezincinci; ixesha elide linyusa iindleko zenyanga kodwa lihlawula imali eninzi. Khetha ixesha elifutshane elihlawula imali eninzi kodwa lihlawula iindleko ezincinci.
API — sebenzisa le calculator ukusuka kwikhowudi
Nceda le khadi lemali njengendawo esemva ye-JSON ekhululekileyo - akukho qhosha lifunekayo. Thumela amaxabiso endawo ezantsi njengeparameter yombuzo okanye i-JSON. Nantoni na oyenzayo isebenzisa okungagqibekanga okufanayo eli phepha ligqityiwe ngaphambili; iparameter engaziwayo yi 400, ayikho i zero ekhululekileyo. Funda i-API epheleleyo →
Incopho yesiphelo
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);Results are estimates for general guidance only, not financial, medical or tax advice.