Na'urar lissafin APR
Nemo ainihin kashin kuɗin ruwa na shekara (APR) na lamuni bayan an haɗa kuɗaɗen caji da points.
Game da Na'urar lissafin APR
Nemo ainihin kashin kuɗin ruwa na shekara (APR) na lamuni bayan an haɗa kuɗaɗen caji da points.
Ɓangare ne na sashen “Jinginar gida & gidaje” na SmartCalcy. Yana aiki a burauzar ku ba tare da asusu ba, yana amfani da kuɗinku da ma'aunanku (canza su a saman shafin), kuma yana ba da ƙiyasi don bayani kawai, don haka duba jagorar hukuma kafin ku dogara da sakamako.
Yadda ake amfani da Na'urar lissafin APR
Abin da yake lissafawa da lokacin amfani da shi
APR yana mayar da kuɗin ruwa na lamuni da kuɗaɗen farko zuwa kashi ɗaya na shekara da za a iya kwatantawa. Yi amfani da shi don kwatanta lamuni masu kuɗaɗe daban-daban da kashin da aka faɗa.
Yadda ake amfani da shi, mataki-mataki
- Shigar da adadin lamuni, kashin da aka faɗa da wa'adi.
- Ƙara duk wani points ko kuɗin shirya lamuni a matsayin kashi, tare da sauran kuɗaɗen farko.
- Kwatanta APR da kashin da aka faɗa.
Ma'anar kowace shigarwa
- Quoted kashi – The headline Kuɗin ruwa kashi.
- Wurare ko arrangement kuɗi – A kaso na the loan An biya at the Farawa.
- Other fees – Fixed fees paid at the start, such as valuation or legal costs.
Yadda ake karanta sakamako
- APR – Yearly rate on the money you actually receive, monthly rate × 12.
- Ainihin kashin shekara – The iri ɗaya kashi Ana tarawa Kowane wata.
- Money you receive – Loan Adadi minus upfront fees.
Dabarar lissafi
The monthly payment is calculated on the full loan. The APR is the rate r that makes the present value of those payments equal the net amount received: Net = pmt × (1 − (1 + r)^−n) ÷ r. APR = r × 12 and the effective rate = (1 + r)^12 − 1. It is solved numerically.
Misali da aka warware
A 250,000 loan at 6.5% for 30 years with 1% points and 2,500 of fees has a payment of 1,580.17. You receive 245,000, so the APR is about 6.7% and the effective annual rate is about 6.9%.
Zato da iyakoki
- The loan runs to full term. If you repay early, fees are spread over fewer months and the real cost is higher.
- Official APR rules vary by ƙasa da product.
Kurakuran da aka saba yi
- Comparing loans on quoted kashi only.
- Forgetting that a lower APR over a long term can still cost more in total interest.
Tambayoyin da ake yawan yi
Me ya sa APR ya fi kashin da aka faɗa?
Kuɗaɗen caji suna rage kuɗin da kuke karɓa amma har yanzu kuna biyan cikakken lamunin.
Wane APR ya kamata in kwatanta?
Kwatanta abu da irinsa. Ana nuna duka biyun a nan don ku daidaita da hanyar mai ba ku lamuni.
Kayan aiki masu alaƙa
Cikakkun bayanai
- Ainihin kashin shekara
- 6.9%APR Ana tarawa Kowane wata (UK da EU Salo)
- Biyan kuɗi na wata
- £1,580.17
- Fees An biya at the Farawa
- £5,000.00
- Money you actually receive
- £245,000.00
- Jimillar kuɗin ruwa
- £318,861.22