Kalkulator APR
Golek suku bunga taunan (APR) sejatine saka kredit sawise biaya lan points dietung.
Babagan Kalkulator APR
Golek suku bunga taunan (APR) sejatine saka kredit sawise biaya lan points dietung.
Bagean saka seksi “KPR & properti” SmartCalcy. Lumaku ing browser panjenengan tanpa akun, nganggo mata uang lan satuan panjenengan dhewe (ganti ing sisih ndhuwur kaca), lan menehi perkiraan mung kanggo informasi, mula priksa pandhuan resmi sadurunge ngandelake asile.
Carane nganggo Kalkulator APR
Apa sing dietung lan kapan nganggo
APR ngowahi bunga lan biaya ngarep utangan dadi siji suku bunga saben taun sing bisa dibandhingake. Gunakake kanggo mbandhingake utangan kanthi biaya lan suku bunga sing beda.
Carane nganggo, langkah demi langkah
- Lebokna jumlah utangan, suku bunga sing ditawakake lan tenor.
- Tambahna poin utawa biaya administrasi minangka persentase, ditambah biaya ngarep liyane.
- Bandhingake APR karo suku bunga sing ditawakake.
Tegese saben input
- Quoted tarif – The headline Bunga tarif.
- Titik utawa arrangement biaya – A persentase the loan Dibayar at the Wiwit.
- Other fees – Fixed fees paid at the start, such as valuation or legal costs.
Carane maca asile
- APR – Yearly rate on the money you actually receive, monthly rate × 12.
- Suku bunga efektif taunan – The padha tarif Dimajemukake Saben sasi.
- Money you receive – Loan Jumlah minus upfront fees.
Rumus
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.
Conto petungan
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%.
Asumsi lan watesan
- 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 negara lan product.
Kesalahan umum
- Comparing loans on quoted tarif only.
- Forgetting that a lower APR over a long term can still cost more in total interest.
Pitakonan sing kerep ditakokake
Kenapa APR luwih dhuwur tinimbang suku bunga sing ditawakake?
Biaya nyuda dhuwit sing panjenengan tampa nanging panjenengan tetep mbalekake kabeh utangan.
APR endi sing kudu dibandhingake?
Bandhingake sing padha jinise. Loro-lorone ditampilake ing kene supaya panjenengan bisa nyocogake karo cara bank panjenengan.
Piranti sing gegandhengan
Rincian
- Suku bunga efektif taunan
- 6.9%APR Dimajemukake Saben sasi (UK lan EU Gaya)
- Cicilan saben sasi
- £1,580.17
- Fees Dibayar at the Wiwit
- £5,000.00
- Money you actually receive
- £245,000.00
- Total bunga
- £318,861.22