Kuinka laskea Loan
Mikä on 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.
Vaiheittainen opas
- 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
Ratkaistut esimerkit
Syöte
$10,000 at 6% for 3 yrs
Tulos
$304.22/mo
Total interest: $951.92
Syöte
$250,000 at 7% for 30 yrs
Tulos
$1,663/mo
Total interest: $348,773