Cum se calculează Loan
Ce este 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.
Ghid pas cu pas
- 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
Exemple rezolvate
Intrare
$10,000 at 6% for 3 yrs
Rezultat
$304.22/mo
Total interest: $951.92
Intrare
$250,000 at 7% for 30 yrs
Rezultat
$1,663/mo
Total interest: $348,773