Jak vypočítat Loan

Co je Loan?

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.

Průvodce krok za krokem

1. 1Convert annual rate to monthly: r = annual rate ÷ 12
2. 2Calculate n = total payments (years × 12)
3. 3Apply: M = P × r(1+r)ⁿ / ((1+r)ⁿ − 1)
4. 4Total interest = (M × n) − P

Worked Examples