APR calculator
Alamin ang tunay na annual percentage rate ng loan kapag isinama ang fees at points.
Tungkol sa APR calculator
Alamin ang tunay na annual percentage rate ng loan kapag isinama ang fees at points.
Bahagi ng seksyong “Mortgage at real estate” ng SmartCalcy. Tumatakbo ito sa browser mo nang walang account, gumagamit ng sarili mong currency at units (palitan ang mga ito sa itaas ng page), at nagbibigay ng tantiya para sa impormasyon lamang, kaya tingnan ang opisyal na gabay bago umasa sa resulta.
Paano gamitin ang APR calculator
Ano ang kinukuwenta nito at kailan ito gagamitin
Ginagawang isang maikukumparang taunang rate ng APR ang interes at upfront fee ng isang loan. Gamitin ito para ikumpara ang mga loan na may magkakaibang fee at quoted rate.
Paano ito gamitin, hakbang-hakbang
- Ilagay ang halaga ng loan, quoted rate at termino.
- Idagdag ang anumang points o arrangement fee bilang porsyento, pati ang iba pang upfront fee.
- Ikumpara ang APR sa quoted rate.
Ano ang ibig sabihin ng bawat input
- Quoted rate – The headline Interes rate.
- Mga point o arrangement fee – A porsyento na the loan Bayad at the Simula.
- Other fees – Fixed fees paid at the start, such as valuation or legal costs.
Paano basahin ang mga resulta
- APR – Yearly rate on the money you actually receive, monthly rate × 12.
- Effective annual rate – The same rate compounded Buwanan.
- Money you receive – Loan Dami minus upfront fees.
Ang formula
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.
Isang halimbawa
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%.
Mga palagay at limitasyon
- 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 bansa at product.
Karaniwang pagkakamali
- Comparing loans on quoted rate only.
- Forgetting that a lower APR over a long term can still cost more in total interest.
Mga madalas itanong
Bakit mas mataas ang APR kaysa sa quoted rate?
Binabawasan ng mga fee ang perang natatanggap mo pero buong loan pa rin ang babayaran mo.
Aling APR ang dapat kong ikumpara?
Ikumpara ang magkatulad. Parehong ipinapakita rito para maitugma mo sa paraan ng lender mo.
Kaugnay na tools
Detalye
- Effective annual rate
- 6.9%APR compounded Buwanan (UK at EU Estilo)
- Buwanang hulog
- £1,580.17
- Fees Bayad at the Simula
- £5,000.00
- Money you actually receive
- £245,000.00
- Kabuuang interes
- £318,861.22