learn.howToCalculate
learn.whatIsHeading
Calculates monthly loan payment from purchase price, interest rate, and loan term. Helps evaluate affordability and financing options.
공식
Loan amount = purchase price - down payment
단계별 가이드
- 1Loan amount = purchase price - down payment
- 2Monthly rate = annual rate ÷ 12
- 3Formula: payment = P × (r × (1+r)^n) ÷ ((1+r)^n - 1)
- 4Add taxes, insurance, registration
풀어진 예시
입력
$25k, 60mo, 5%
결과
$472/mo
피해야 할 일반적인 실수
- ✕Only looking at monthly payment, ignoring total interest paid
- ✕Not including insurance and maintenance in affordability analysis
자주 묻는 질문
What down payment percentage is standard?
Typically 10-20%; 20% avoids PMI; more down payment reduces monthly cost.
How does interest rate affect payment?
Each 1% rate increase adds $15-20/month per $10k borrowed; rate critical to total cost.
계산할 준비가 되셨나요? 무료 Car Payment 계산기를 사용해 보세요
직접 시도해 보세요 →