Loan calculator (pautang)
Kuwenta ng hulog, deferred payment at bond, kasama ang iskedyul ng bayad.
Tungkol sa Loan calculator (pautang)
Kuwenta ng hulog, deferred payment at bond, kasama ang iskedyul ng bayad.
Bahagi ng seksyong “Pananalapi” 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 Loan calculator (pautang)
Ano ang kinukuwenta nito at kailan ito gagamitin
Saklaw nito ang tatlong karaniwang paraan ng paghiram o pagbabayad ng pera: ang amortized loan na may regular na hulog, ang deferred-payment loan na binabayaran nang buo sa dulo, at ang bond, kung saan inaalam mo ang halaga ngayon ng isang tiyak na bayad sa hinaharap. Hinahati ng chart ang kabuuan sa principal at interes.
Paano ito gamitin, hakbang-hakbang
- Piliin ang uri ng loan: Amortized, Deferred payment o Bond.
- Ilagay ang halaga, ang termino sa taon kasama ang anumang dagdag na buwan, at ang taunang interest rate.
- Piliin kung paano nagko-compound ang interes, at para sa amortized loan, kung gaano kadalas ka magbabayad.
- Kung gusto mo, magdagdag ng dagdag na halaga sa bawat hulog.
- Basahin ang resulta, ang chart ng principal at interes, at ang schedule.
Ano ang ibig sabihin ng bawat input
- Halaga ng loan – The sum borrowed. In Bond mode this becomes the future repayment amount.
- Termino – Years, plus extra months. Fractions of a year work, for example 2 years 6 months.
- Interes rate – 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.
- Sahod back – Amortized only. How often a payment is made: every month, quarter, half year, year, two weeks or week.
- Dagdag with Bawat isa payment – Opsyonal. It goes Diretso hanggang the balance at shortens the loan.
Paano basahin ang mga resulta
- Repayment bawat period – Amortized. The fixed amount due at each payment date.
- Dami due at maturity – Deferred payment. The principal plus all compounded interest, paid once at the end.
- Initial Halaga – Bond. The Presyo Ngayon that grows hanggang the future repayment Dami.
- Kabuuang interes – Everything Bayad above the Dami Hiniram.
- Effective annual rate – The true yearly growth after compounding, so different compounding choices can be compared.
- Schedule – A year-by-year table na principal, Interes at Balanse.
Ang 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.
Isang halimbawa
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.
Mga palagay at limitasyon
- A fixed rate sa halagang the whole Termino.
- Equal payments made at the Katapusan na Bawat isa period.
- Fees, insurance at early repayment charges are excluded.
- Compounding and payment frequency are treated separately, as lenders do.
Karaniwang pagkakamali
- 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 buwan sa the Taon kahon.
- Forgetting that a deferred loan can cost far more than an amortized one, because interest is charged on unpaid interest for the whole term.
Mga madalas itanong
Ano ang amortized loan?
Loan na binabayaran nang pantay-pantay na hulog. Ang mga unang hulog ay kadalasang interes, at ang mga huli ay kadalasang principal.
Ano ang deferred-payment loan?
Walang binabayaran hanggang sa dulo. Nagko-compound ang balanse at binabayaran ito nang isang beses sa maturity.
Ano ang kinukuwenta ng bond mode?
Ang halagang kailangan mong ipautang o i-invest ngayon para lumaki ito hanggang sa isang tiyak na bayad sa hinaharap.
Ano ang mangyayari kung zero ang rate?
Ang hulog ay ang loan na hinati sa bilang ng hulog, at walang interes.
APR ba ang rate?
Gamitin ang APR kung gusto mong kasama ang mga fee sa gastos; kung hindi, gamitin ang interest rate.
Bakit nakakatipid sa interes ang lingguhan o kada dalawang linggong pagbabayad?
Mas mabilis bumababa ang balanse kapag mas madalas ang bayad, kaya mas kaunti ang naiipong interes.
Kaugnay na tools
Detalye
- Kabuuan of 60 payments
- £17,778.65
- Kabuuang interes
- £2,778.65
- Kabuuang naibayad
- £17,778.65
- Rate bawat payment
- 0.575%
Taon-taon
| Taon | Principal | Interes | Balanse |
|---|---|---|---|
| 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 |