APR calculator

APR calculatorの使い方

何を計算するか、いつ使うか

The APR 回転 a loan’s 利息とupfront fees into one comparable yearly rate. Use it〜compare loans with different feesとquoted rates.

使い方の手順

1. Enter the loan 量、quoted 利率、期間.
2. Add any 点の数またはarrangement fee as a 割合, plus other upfront fees.
3. Compare the APR with the quoted 利率.

各入力項目の意味

• Quoted 利率 – The headline 利息 利率.
• 点の数またはarrangement fee – the loan 有給 適用 the 開始. A 割合
• Other fees – Fixed fees 有給 適用 the 開始, such as valuationまたはlegal costs.

結果の読み方

• APR – 毎年 利率 on the money you actually receive, 毎月 利率 × 12.
• 実効年利 – The same 利率 複利の頻度 毎月.
• Money you receive – Loan 量 minus upfront fees.

計算式

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

計算例

A 250,000 loan at 6.5%個で30 years with 1% pointsと1,580.17. You receive 245,000 fees has a payment 2,500、so the APRはabout 6.7%です、the effective annual rateはabout 6.9%.です

前提と限界

• The loan runs〜full term. If you repay early、fees are spread over fewerか月、the real costはhigher.です
• Official APR rules vary by 国・地域とproduct.

よくある間違い

• Comparing loans on quoted 利率 only.
• 合計 利息.のあとForgetting that a lower APR over a long term can still cost

よくある質問

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