Ako vypočítať Loan
Čo je 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.
Sprievodca krok za krokom
- 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
Vstup
$10,000 at 6% for 3 yrs
Výsledok
$304.22/mo
Total interest: $951.92
Vstup
$250,000 at 7% for 30 yrs
Výsledok
$1,663/mo
Total interest: $348,773