Kikokotoo cha APR
Pata kiwango halisi cha riba cha mwaka (APR) cha mkopo baada ya kujumuisha ada na pointi.
Kuhusu Kikokotoo cha APR
Pata kiwango halisi cha riba cha mwaka (APR) cha mkopo baada ya kujumuisha ada na pointi.
Sehemu ya kitengo cha “Mikopo ya nyumba na mali isiyohamishika” cha SmartCalcy. Kinaendeshwa kwenye kivinjari chako bila akaunti, kinatumia sarafu na vipimo vyako (vibadilishe juu ya ukurasa), na kinatoa makadirio kwa taarifa tu, kwa hiyo angalia mwongozo rasmi kabla ya kutegemea matokeo.
Jinsi ya kutumia Kikokotoo cha APR
Kinachohesabu na wakati wa kukitumia
APR hubadilisha riba ya mkopo na ada za mwanzo kuwa kiwango kimoja cha mwaka kinacholinganishika. Itumie kulinganisha mikopo yenye ada tofauti na viwango tofauti vilivyotajwa.
Jinsi ya kukitumia, hatua kwa hatua
- Weka kiasi cha mkopo, kiwango kilichotajwa na muda.
- Ongeza pointi zozote au ada ya mpango kama asilimia, pamoja na ada nyingine za mwanzo.
- Linganisha APR na kiwango kilichotajwa.
Maana ya kila ingizo
- Quoted kiwango – The headline Riba kiwango.
- Nukta au arrangement ada – A asilimia ya the loan Inalipwa at the Anza.
- Other fees – Fixed fees paid at the start, such as valuation or legal costs.
Jinsi ya kusoma matokeo
- APR – Yearly rate on the money you actually receive, monthly rate × 12.
- Kiwango halisi cha mwaka – The sawa kiwango Inachanganywa Kila mwezi.
- Money you receive – Loan Kiasi minus upfront fees.
Fomula
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.
Mfano uliofanyiwa kazi
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%.
Dhana na mipaka
- 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 nchi na product.
Makosa ya kawaida
- Comparing loans on quoted kiwango only.
- Forgetting that a lower APR over a long term can still cost more in total interest.
Maswali yanayoulizwa mara kwa mara
Kwa nini APR iko juu kuliko kiwango kilichotajwa?
Ada hupunguza pesa unazopokea, lakini bado unarejesha mkopo wote.
Nilinganishe APR ipi?
Linganisha vitu vinavyofanana. Zote mbili zinaonyeshwa hapa ili uweze kufuata njia ya mkopeshaji wako.
Zana zinazohusiana
Maelezo
- Kiwango halisi cha mwaka
- 6.9%APR Inachanganywa Kila mwezi (UK na EU Mtindo)
- Malipo ya kila mwezi
- £1,580.17
- Fees Inalipwa at the Anza
- £5,000.00
- Money you actually receive
- £245,000.00
- Jumla ya riba
- £318,861.22