Kako izračunati Loan
Što 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.
Vodič korak po korak
- 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
Unos
$10,000 at 6% for 3 yrs
Rezultat
$304.22/mo
Total interest: $951.92
Unos
$250,000 at 7% for 30 yrs
Rezultat
$1,663/mo
Total interest: $348,773