APR calculator

Cómo usar la APR calculator

Qué calcula y cuándo usarla

The APR vueltas a loan’s Intereses y upfront fees into one comparable yearly rate. Use it a compare loans with different fees y quoted rates.

Cómo usarla, paso a paso

1. Enter the loan Cantidad, quoted Tipo y Plazo.
2. Add cualquiera Puntos o arrangement fee as a Porcentaje, plus other upfront fees.
3. Compare the APR with the quoted Tipo.

Qué significa cada dato

• Quoted Tipo – The headline Intereses Tipo.
• Puntos o arrangement fee – A Porcentaje de the loan Pagadas A the Inicio.
• Other fees – Fixed fees Pagadas A the Inicio, such as valuation o legal costs.

Cómo leer los resultados

• APR – Anual Tipo on the money you actually receive, Mensual Tipo × 12.
• Tipo anual efectivo – The same Tipo Capitalización Mensual.
• Money you receive – Loan Cantidad minus upfront fees.

La fórmula

The monthly payment es calculated on the full loan. The APR es the rate r that makes the present value de those payments equal the net amount received: Net = pmt × (1 − (1 + r)^−n) ÷ r. APR = r × 12 y the effective rate = (1 + r)^12 − 1. It es solved numerically.

Un ejemplo práctico

A 250,000 loan at 6.5% por 30 years with 1% points y 2,500 de fees has a payment of 1,580.17. You receive 245,000, so the APR es about 6.7% y the effective annual rate es about 6.9%.

Supuestos y límites

• The loan runs a full term. If you repay early, fees are spread over fewer meses y the real cost es higher.
• Official APR rules vary by país y product.

Errores comunes

• Comparing loans on quoted Tipo only.
• Forgetting that a lower APR over a long term can still cost más en total Intereses.

Preguntas frecuentes

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