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An advanced loan calculator handles complex scenarios: variable interest periods, multiple fees, balloon payments, biweekly payments, and extra payment analysis. Useful for comparing real-world loan offers with different structures.

단계별 가이드

1. 1Biweekly payments: 26 payments/year instead of 24 (2× monthly) — makes 1 extra monthly payment per year
2. 2Balloon loan: lower monthly payments for set term, then large lump-sum payment at end
3. 3Interest-only period: payments only cover interest, principal unchanged
4. 4Origination fees: added to principal or paid upfront (affects true cost)

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