কীভাবে Loan গণনা করবেন
Loan কি?
Loan amortization spreads equal payments over the loan term. Each payment first covers accrued interest, with the remainder reducing the principal. Early payments are mostly interest; later ones mostly principal.
ধাপে ধাপে নির্দেশিকা
- 1Convert annual rate to monthly: r = annual rate ÷ 12
- 2Calculate n = total payments (years × 12)
- 3Apply: M = P × r(1+r)ⁿ / ((1+r)ⁿ − 1)
- 4Total interest = (M × n) − P
সমাধান করা উদাহরণ
ইনপুট
$10,000 at 6% for 3 yrs
ফলাফল
$304.22/mo
Total interest: $951.92
ইনপুট
$250,000 at 7% for 30 yrs
ফলাফল
$1,663/mo
Total interest: $348,773