APR calculator

Cara menggunakan APR calculator

Apa yang dihitung dan kapan digunakan

The APR putaran a loan’s Bunga dan upfront fees into one comparable yearly rate. Use it sampai compare loans with different fees dan quoted rates.

Cara menggunakan, langkah demi langkah

1. Enter the loan Jumlah, quoted Suku bunga, dan Jangka waktu.
2. Add any Titik atau arrangement fee as a Persentase, plus other upfront fees.
3. Compare the APR with the quoted Suku bunga.

Arti setiap input

• Quoted Suku bunga – The headline Bunga Suku bunga.
• Titik atau arrangement fee – A Persentase the loan Dibayar Pada the Mulai.
• Other fees – Fixed fees Dibayar Pada the Mulai, such as valuation atau legal costs.

Cara membaca hasil

• APR – Tahunan Suku bunga on the money you actually receive, Bulanan Suku bunga × 12.
• Suku bunga tahunan efektif – The same Suku bunga Dimajemukkan Bulanan.
• Money you receive – Loan Jumlah minus upfront fees.

Rumus

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

Contoh perhitungan

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

Asumsi dan batasan

• The loan runs sampai full term. If you repay early, fees are spread over fewer bulan, dan the real cost adalah higher.
• Official APR rules vary by Negara dan product.

Kesalahan umum

• Comparing loans on quoted Suku bunga only.
• Forgetting that a lower APR over a long term can still cost lagi di total Bunga.

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