Kalkulator pinjaman
Pengiraan bayaran balik, bayaran tertangguh dan bon dengan jadual pembayaran.
Tentang Kalkulator pinjaman
Pengiraan bayaran balik, bayaran tertangguh dan bon dengan jadual pembayaran.
Sebahagian daripada bahagian “Kewangan” SmartCalcy. Ia berjalan dalam pelayar anda tanpa akaun, menggunakan mata wang dan unit anda sendiri (tukarkannya di bahagian atas halaman), dan memberikan anggaran untuk makluman sahaja, jadi semak panduan rasmi sebelum anda bergantung pada sesuatu hasil.
Cara menggunakan Kalkulator pinjaman
Apa yang dikira dan bila menggunakannya
Merangkumi tiga cara biasa sejumlah wang dipinjam atau dibayar balik: pinjaman beramortisasi dengan bayaran tetap berkala, pinjaman bayaran tertangguh yang dibayar balik sekali gus pada akhir tempoh, dan bon, iaitu anda mencari nilai hari ini bagi bayaran balik masa depan yang diketahui. Carta membahagikan jumlah kepada prinsipal dan faedah.
Cara menggunakannya, langkah demi langkah
- Pilih jenis pinjaman: Beramortisasi, Bayaran tertangguh atau Bon.
- Masukkan jumlah, tempoh dalam tahun serta bulan tambahan jika ada, dan kadar faedah tahunan.
- Pilih cara faedah dikompaunkan, dan bagi pinjaman beramortisasi, kekerapan anda membayar balik.
- Secara pilihan, tambah amaun tambahan pada setiap bayaran.
- Baca hasil, carta prinsipal dan faedah serta jadual bayaran.
Maksud setiap input
- Jumlah pinjaman – The sum borrowed. In Bond mode this becomes the future repayment amount.
- Tempoh – Years, plus extra months. Fractions of a year work, for example 2 years 6 months.
- Kadar faedah – 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.
- Gaji back – Amortized only. How often a payment is made: every month, quarter, half year, year, two weeks or week.
- Tambahan with Setiap satu payment – Pilihan. It goes Lurus hingga the balance dan shortens the loan.
Cara membaca hasil
- Repayment setiap Tempoh – Amortized. The fixed amount due at each payment date.
- Jumlah Tarikh akhir at maturity – Deferred payment. The principal plus all compounded interest, paid once at the end.
- Initial Nilai – Bond. The harga Hari ini that grows hingga the future repayment Jumlah.
- Jumlah faedah – Everything Berbayar above the Jumlah Dipinjam.
- Kadar tahunan efektif – The true yearly growth after compounding, so different compounding choices can be compared.
- Schedule – A year-by-year table principal, Faedah dan Baki.
Formula
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.
Contoh pengiraan
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.
Andaian dan had
- A fixed kadar untuk the whole Tempoh.
- Equal payments made at the Tamat Setiap satu Tempoh.
- Fees, insurance dan early repayment charges are excluded.
- Compounding and payment frequency are treated separately, as lenders do.
Kesilapan biasa
- 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 bulan di the Tahun kotak.
- Forgetting that a deferred loan can cost far more than an amortized one, because interest is charged on unpaid interest for the whole term.
Soalan lazim
Apakah pinjaman beramortisasi?
Pinjaman yang dibayar balik secara ansuran sama rata. Bayaran awal kebanyakannya faedah dan bayaran kemudian kebanyakannya prinsipal.
Apakah pinjaman bayaran tertangguh?
Tiada apa-apa dibayar sehingga akhir tempoh. Baki dikompaunkan dan dibayar balik dalam satu bayaran pada tarikh matang.
Apakah yang dikira oleh mod bon?
Jumlah yang perlu anda pinjamkan atau laburkan hari ini supaya ia berkembang menjadi bayaran balik masa depan yang diketahui.
Apakah yang berlaku jika kadarnya sifar?
Bayaran ialah pinjaman dibahagi dengan bilangan bayaran, dan tiada faedah.
Adakah kadar ini APR?
Gunakan APR jika anda mahu yuran diambil kira dalam kos; jika tidak, gunakan kadar faedah.
Mengapa bayaran mingguan atau dua minggu sekali menjimatkan faedah?
Bayaran yang lebih kerap mengurangkan baki lebih awal, jadi kurang faedah terkumpul.
Alat berkaitan
Butiran
- Jumlah of 60 payments
- £17,778.65
- Jumlah faedah
- £2,778.65
- Jumlah dibayar balik
- £17,778.65
- Kadar setiap payment
- 0.575%
Tahun demi tahun
| Tahun | Prinsipal | Faedah | Baki |
|---|---|---|---|
| 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 |