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Calcula la Tasa Anual Equivalente (TAE) de préstamos incluyendo comisiones, puntos y costos de cierre para comprender el costo real del préstamo.
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Calculadora de TAE
Calcula la Tasa Anual Equivalente (TAE) de préstamos incluyendo comisiones, puntos y costos de cierre para comprender el costo real del préstamo.
Entradas
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Resultados
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What is APR?
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.
How to use
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.
Preguntas frecuentes
What is APR?
APR stands for Annual Percentage Rate. It represents the yearly cost of a loan, including the interest rate and other associated fees like origination charges or closing costs, expressed as a percentage.
How is APR different from the interest rate?
The interest rate is the cost of borrowing the principal loan amount. The APR is a broader measure that includes the interest rate plus other costs, providing a more complete picture of the total cost of the loan.
What inputs do I need to calculate APR?
You typically need the Loan Amount, the Nominal Interest Rate, the Loan Term (duration), and any Additional Fees or Closing Costs to calculate the accurate APR.
Why is the APR higher than the interest rate?
The APR includes the interest rate plus other costs associated with the loan (such as points, fees, and mortgage insurance). Because it accounts for these extra expenses, it is almost always higher than the nominal interest rate.
Can I use this calculator for mortgages and car loans?
Yes, this calculator is versatile and can be used for various installment loans, including mortgages, auto loans, and personal loans, provided you have the necessary details.
Does a lower APR always mean a better loan?
Generally, a lower APR indicates a lower cost of borrowing. However, you should also consider the loan term and your specific financial situation, as a longer loan term with a low APR might cost more in total interest over time.
What happens if I enter 0 for fees?
If there are no additional fees, the APR will be identical to the nominal interest rate. This is common for certain personal loans or promotional credit card offers.
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