Paano Kalkulahin si Loan
Ano ang 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.
Step-by-Step na Gabay
- 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
Mga Nalutas na Halimbawa
Input
$10,000 at 6% for 3 yrs
Resulta
$304.22/mo
Total interest: $951.92
Input
$250,000 at 7% for 30 yrs
Resulta
$1,663/mo
Total interest: $348,773