APR calculator

如何使用APR calculator

它计算什么，何时使用

The APR 圈 a loan’s 利息 和 upfront fees into one comparable yearly rate. Use it 至 compare loans with different fees 和 quoted rates.

使用步骤

1. Enter the loan 数量、quoted 利率、期限.
2. Add any 点数 或 arrangement fee as a 百分比, plus other upfront fees.
3. Compare the APR with the quoted 利率.

各输入项的含义

• Quoted 利率 – The headline 利息 利率.
• 点数 或 arrangement fee – A 百分比 the loan 有薪 以 the 开始.
• Other fees – Fixed fees 有薪 以 the 开始, such as valuation 或 legal costs.

如何阅读结果

• APR – 每年 利率 on the money you actually receive, 每月 利率 × 12.
• 实际年利率 – The same 利率 复利频率 每月.
• Money you receive – Loan 数量 minus upfront fees.

公式

The monthly payment 是 calculated on the full loan. The APR 是 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 和 the effective rate = (1 + r)^12 − 1. It 是 solved numerically.

计算示例

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

假设与局限

• The loan runs 至 full term. If you repay early、fees are spread over fewer 个月、the real cost 是 higher.
• Official APR rules vary by 国家／地区 和 product.

常见错误

• Comparing loans on quoted 利率 only.
• 总计 利息. 的 多 Forgetting that a lower APR over a long term can still cost 个

常见问题

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