APR calculator

Как пользоваться: APR calculator

Что считает и когда использовать

The APR обороты a loan’s Проценты и от upfront fees into one comparable yearly rate. Use it до compare loans with different fees и quoted rates.

Как пользоваться, шаг за шагом

1. Enter the loan Количество, quoted Ставка и Срок.
2. Add any Точки или arrangement fee as a Процент, plus other upfront fees.
3. Compare the APR with the quoted Ставка.

Что означает каждое поле

• Quoted Ставка – The headline Проценты Ставка.
• Точки или arrangement fee – A Процент the loan Оплачено По the Начало.
• Other fees – Fixed fees Оплачено По the Начало, such as valuation или legal costs.

Как читать результаты

• APR – Ежегодно Ставка on the money you actually receive, Ежемесячно Ставка × 12.
• Эффективная годовая ставка – The same Ставка Капитализация Ежемесячно.
• Money you receive – Loan Количество minus upfront fees.

Формула

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

Пример расчёта

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

Допущения и ограничения

• от The loan runs до full term. If you repay early, fees are spread over fewer мес. и the real cost — higher.
• Official APR rules vary by Страна и product.

Частые ошибки

• Comparing loans on quoted Ставка only.
• ещё Forgetting that a lower APR over a long term can still cost в Итого Проценты.

Частые вопросы

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