حاسبة معدل النسبة السنوية

Annual Percentage Rate (APR) represents the annual cost of borrowing money, including interest rate and other fees associated with a loan. Unlike the nominal interest rate, APR provides a more complete picture of the true cost of a loan by factoring in origination fees, closing costs, points, and other charges. This allows borrowers to compare different loan offers accurately.

Enter your loan amount, nominal interest rate, and various fees (loan fees, discount points, closing costs). Specify the loan term in years and compounding frequency. The calculator will display the APR, effective APR, monthly payment, total interest paid, and the total cost of the loan, helping you understand the true cost of borrowing.