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Calculez le Taux Annuel Effectif Global (TAEG) des prêts en incluant les frais, les points et les frais de clôture. Comprenez le véritable coût de l'emprunt.
finance
Calculateur de TAEG
Calculez le Taux Annuel Effectif Global (TAEG) des prêts en incluant les frais, les points et les frais de clôture. Comprenez le véritable coût de l'emprunt.
Entrées
Entrez les valeurs requises pour le calcul
Résultats
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Qu'est-ce que APR?
annuel pourcentage taux (APR) représente the annuel coût de borrowing money, including intérêt taux et other fees associated avec a prêt. Unlike the nominal intérêt taux, APR provides a more complete picture de the true coût de a prêt par factoring dans origination fees, closing costs, points, et other charges. ce allows borrowers à compare different prêt offers accurately.
Comment utiliser
Enter your prêt montant, nominal intérêt taux, et various fees (prêt fees, remise points, closing costs). Specify the prêt term en années et compounding frequency. The calculateur will display the APR, effective APR, mensuel paiement, total intérêt paid, et le total coût de the prêt, helping you understand the true coût de borrowing.
Questions fréquentes
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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