Kaip apskaičiuoti Loan
Kas yra 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.
Žingsnis po žingsnio vadovas
- 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
Worked Examples
Įvestis
$10,000 at 6% for 3 yrs
Rezultatas
$304.22/mo
Total interest: $951.92
Įvestis
$250,000 at 7% for 30 yrs
Rezultatas
$1,663/mo
Total interest: $348,773