Kalkulator utangan
Petungan cicilan, pambayaran ditundha lan obligasi kanthi jadwal pambayaran.
Babagan Kalkulator utangan
Petungan cicilan, pambayaran ditundha lan obligasi kanthi jadwal pambayaran.
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Carane nganggo Kalkulator utangan
Apa sing dietung lan kapan nganggo
Nyakup telung cara umum dhuwit diutang utawa dibalekake: utangan amortisasi kanthi cicilan rutin, utangan pembayaran ditundha sing dilunasi sapisan ing pungkasan, lan obligasi (bond), ing ngendi panjenengan nggoleki regane saiki saka pembayaran ing mbesuk sing wis dingerteni. Grafik mbagi total dadi pokok lan bunga.
Carane nganggo, langkah demi langkah
- Pilih jinis utangan: Amortisasi, Pembayaran ditundha utawa Obligasi.
- Lebokna jumlah, tenor ing taun ditambah sasi tambahan yen ana, lan suku bunga saben taun.
- Pilih carane bunga dimajemukake, lan kanggo utangan amortisasi, sepira kerepe panjenengan mbayar.
- Yen gelem, tambahna jumlah ekstra ing saben pembayaran.
- Waca asile, grafik pokok lan bunga, lan jadwale.
Tegese saben input
- Jumlah utangan – The sum borrowed. In Bond mode this becomes the future repayment amount.
- Tenor – Years, plus extra months. Fractions of a year work, for example 2 years 6 months.
- Suku bunga – The yearly nominal rate. Zero is allowed and gives a loan with no interest.
- Compound – How often interest is added to the balance: monthly, annually, semi-annually, quarterly, weekly, daily or continuously.
- Bayaran back – Amortized only. How often a payment is made: every month, quarter, half year, year, two weeks or week.
- Tambahan with Saben siji payment – Opsional. It goes Lurus nganti the balance lan shortens the loan.
Carane maca asile
- Repayment saben Periode – Amortized. The fixed amount due at each payment date.
- Jumlah Tenggat at maturity – Deferred payment. The principal plus all compounded interest, paid once at the end.
- Initial Nilai – Bond. The rega Dina iki that grows nganti the future repayment Jumlah.
- Total bunga – Everything Dibayar above the Jumlah Diutang.
- Suku bunga efektif taunan – The true yearly growth after compounding, so different compounding choices can be compared.
- Schedule – A year-by-year table principal, Bunga lan Saldo.
Rumus
Effective annual rate EAR = (1 + r ÷ m)^m − 1, or e^r − 1 for continuous compounding. Rate per payment i = (1 + EAR)^(1 ÷ payments per year) − 1. Amortized payment = P × i ÷ (1 − (1 + i)^−n). Deferred amount due = P × (1 + EAR)^t. Bond initial value = future amount ÷ (1 + EAR)^t. Here t is the term in years and n is the number of payments.
Conto petungan
Borrow 100,000 at 6% for 10 years, compounded monthly and paid monthly. The payment is 1,110.21 for 120 payments, 133,224.60 in total, so 33,224.60 is interest (25% of the total). Repaid instead as one lump sum with annual compounding, the amount due at the end is 179,084.77, of which 79,084.77 is interest. Working backwards, a bond promising 179,084.77 in 10 years at 6% is worth 100,000 today.
Asumsi lan watesan
- A fixed tarif kanggo the whole Tenor.
- Equal payments made at the Rampung Saben siji Periode.
- Fees, insurance lan early repayment charges are excluded.
- Compounding and payment frequency are treated separately, as lenders do.
Kesalahan umum
- Comparing loans by payment alone. A longer term lowers the payment but raises the total interest.
- Mixing up the nominal rate with the effective annual rate when compounding differs.
- Entering sasi ing the Taun kardus.
- Forgetting that a deferred loan can cost far more than an amortized one, because interest is charged on unpaid interest for the whole term.
Pitakonan sing kerep ditakokake
Apa iku utangan amortisasi?
Utangan sing dilunasi kanthi cicilan padha. Cicilan wiwitan umume bunga, lan cicilan pungkasan umume pokok.
Apa iku utangan pembayaran ditundha?
Ora ana sing dibayar nganti pungkasan. Saldo dimajemukake lan dilunasi kanthi sapisan pembayaran nalika jatuh tempo.
Mode obligasi ngetung apa?
Jumlah sing kudu panjenengan utangake utawa investasikake saiki supaya tuwuh dadi pembayaran mbesuk sing wis dingerteni.
Kepriye yen suku bungane nol?
Cicilane yaiku utangan dibagi cacahe pembayaran, lan ora ana bunga.
Apa suku bunga iki APR?
Gunakake APR yen panjenengan pengin biaya-biaya katon ing ongkos; yen ora, gunakake suku bunga.
Kenapa mbayar saben minggu utawa saben rong minggu bisa ngirit bunga?
Pembayaran sing luwih kerep nyuda saldo luwih cepet, mula bunga sing nglumpuk luwih sithik.
Piranti sing gegandhengan
Rincian
- Total 60 payments
- £17,778.65
- Total bunga
- £2,778.65
- Total sing dibayar
- £17,778.65
- Suku bunga saben payment
- 0.575%
Saben taun
| Taun | Pokok | Bunga | Saldo |
|---|---|---|---|
| 1 | £2,602 | £954 | £12,398 |
| 2 | £2,787 | £768 | £9,611 |
| 3 | £2,986 | £570 | £6,625 |
| 4 | £3,199 | £357 | £3,426 |
| 5 | £3,426 | £129 | £0 |