APR calculator

Como usar a APR calculator

O que calcula e quando usar

The APR voltas a loan’s Juros e upfront fees into one comparable yearly rate. Use it a compare loans with different fees e quoted rates.

Como usar, passo a passo

1. Enter the loan Quantidade, quoted Taxa e Prazo.
2. Add qualquer Pontos ou arrangement fee as a Porcentagem, plus other upfront fees.
3. Compare the APR with the quoted Taxa.

O que significa cada campo

• Quoted Taxa – The headline Juros Taxa.
• Pontos ou arrangement fee – A Porcentagem de the loan Pagas A the Início.
• Other fees – Fixed fees Pagas A the Início, such as valuation ou legal costs.

Como ler os resultados

• APR – Anual Taxa on the money you actually receive, Mensal Taxa × 12.
• Taxa anual efetiva – The same Taxa Capitalização Mensal.
• Money you receive – Loan Quantidade minus upfront fees.

A fórmula

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

Um exemplo prático

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

Premissas e limites

• The loan runs a full term. If you repay early, fees are spread over fewer meses e the real cost é higher.
• Official APR rules vary by país e product.

Erros comuns

• Comparing loans on quoted Taxa only.
• mais Forgetting that a lower APR over a long term can still cost em total Juros.

Perguntas frequentes

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