Як розрахувати Loan
Що таке 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.
Покрокова інструкція
- 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
Розв'язані приклади
Введення
$10,000 at 6% for 3 yrs
Результат
$304.22/mo
Total interest: $951.92
Введення
$250,000 at 7% for 30 yrs
Результат
$1,663/mo
Total interest: $348,773