learn.howToCalculate
learn.whatIsHeading
A balloon loan has lower monthly payments with a large lump-sum payment due at the end (balloon payment). Often used in real estate and vehicle financing.
Wzór
Monthly payment = (Loan - Balloon/(1+r)ⁿ) × [r(1+r)ⁿ / ((1+r)ⁿ - 1)]
Przewodnik krok po kroku
- 1Enter loan amount, balloon payment, interest rate, term
- 2Calculate present value of balloon payment
- 3Compute monthly payment for remaining amount
Rozwiązane przykłady
Wejście
Loan: $300k, Balloon: $100k, 5%, 30 years
Wynik
Monthly ≈ $1,146
Plus $100k due at end
Częste błędy do unikania
- ✕Forgetting the balloon payment in total cost
- ✕Incorrect present value of balloon
Gotowy do obliczeń? Wypróbuj darmowy kalkulator Balloon Loan
Spróbuj sam →