I-Calculator ye-Personal Loan
Bala izindleko zonyaka, izindleko zenzuzo kanye nenani eliphelele elitholakele ngemali ekhokhelwa umuntu.
Iziphetho zivuselelwa uma ubhala.
Malunga nale khadi
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 ebuzwa kaningi
Ingabe izindleko zokuqala zithinta kanjani izindleko?
Abahlinzeki bezimali bavame ukucisha i-1-8% yemali ekhokhwa ekuqaleni kusuka kuleyo mali ekhokhwa, ngakho-ke imali ekhokhwa ngo-15,000 ne-5% yemali ibeka i-14,250 ephoyiseni lakho - kodwa uphinde ukhokhe i-15,000 kanye nenzuzo, ukhuphule inani lakho elisebenzayo.
Yini isilinganiso semali esidingekayo ukuze ngithole imali efanele?
Umuntu izimali APRs swing ngokugcwele nge credit: izibalo ezinamandla ungabona single-digit amaphesenti, ngenkathi izibalo eziphansi kungabhekana 20% + Lezi thuluzi isebenzisa noma yini APR ufaka, ngakho uthole ukubuyekezwa ngaphambi kokusebenzisa isithombe.
Yini esetshenziswa ukukhokhelwa kwezimali zomuntu siqu?
Kuze kube yilapho, i-IMF iphinde yamemezela ukuthi i-IMF izoqhubeka nokuxhasa i-Afrika ngemali engaphezu kuka-R1.5 billion ngonyaka we-2015, iphinde i
Ingabe imali engenayo yomuntu siqu ibiza kakhulu kunayo ikhadi lemali?
Imali yomuntu siqu i-APRs ivame ukuba ngezansi kakhulu kwemali yekhadi le-credit, futhi isikhathi esiqinile sidinga i-payoff schedule. Ukuqinisa i-card balances ephakeme-isilinganiso ebhange eliphansi-isilinganiso somuntu siqu kunganciphisa intshisekelo futhi kusheshe ukukhokha.
Ingabe ukuthenga imali engenayo yomuntu siqu kuthinta isilinganiso sami semali?
Ukufaka isicelo kuholela ekuphenyweni okunzima okuzokhuphula isicoco sakho, futhi izimali ezintsha zikhuphula izindleko zakho. Ngosikhathi, ukukhokha ngesikhathi kanye nokusebenziseka kwekhadi le-credit eliphansi kusuka ekuqiniseni kungasiza isicoco sakho ukuthi siphinde sithuthukiswe.
Yini isikhathi okufanele ngikhethe?
Isikhathi esincane sisho ukukhokha okuphezulu ngenyanga kodwa ngaphezu kwalokho kunciphisa ukukhokha okuphelele; isikhathi eside sisusa izindleko zonyaka kodwa kuthatha imali eningi. Khetha isikhathi esincane esikhokhelwa ngayo imali efaneleka kahle kwimali yakho.
API — sebenzisa le calculator kusuka kukhodi
Nquma le calculator njenge JSON evulekile yendawo yokuqeda - akukho isithonjana esidingekayo. Thumela amaxabiso endawo ngezansi njengezilungiselelo zombuzo noma i-JSON. Noma yini ongayishiya isebenzisa iphutha elifanayo elifakwe ngaphambili lekhasi; ipharamitha engaziwa yi-400, ayikho i-zero emnyama. Funda i-API egcwele →
Ingxenye yendawo
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);Izibalo ziyisilinganiso esisetshenziswa ukuqondisa kuphela, hhayi ukucebisa ngezimali, ukwelashwa noma ukukhokha.