如何计算EMI Loan

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EMI (Equated Monthly Installment) is the fixed monthly payment for a loan, comprising both principal and interest. Widely used in India and South Asia for home loans, car loans, and personal loans. The formula is identical to the standard loan payment calculation.

分步指南

1. 1EMI = P × r × (1+r)^n / ((1+r)^n − 1)
2. 2P = Principal, r = monthly interest rate (annual rate/12), n = loan tenure in months
3. 3Total payment = EMI × n; Total interest = Total payment − Principal
4. 4Partial prepayment reduces either the EMI or the tenure

例题解析