APR कैलकुलेटर: लोन का असली कॉस्ट जानें
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शुल्क, पॉइंट्स और क्लोजिंग लागत सहित ऋणों के लिए वार्षिक प्रतिशत दर (APR) की गणना करें। उधार लेने की वास्तविक लागत समझें।
finance
APR कैलकुलेटर
शुल्क, पॉइंट्स और क्लोजिंग लागत सहित ऋणों के लिए वार्षिक प्रतिशत दर (APR) की गणना करें। उधार लेने की वास्तविक लागत समझें।
इनपुट
गणना के लिए आवश्यक मान दर्ज करें
परिणाम
अपने गणना परिणाम देखें
गणना करने के लिए नीचे मान दर्ज करें
APR क्या है?
वार्षिक प्रतिशत दर (APR) प्रतिनिधित्व करता है the वार्षिक लागत की borrowing money, including ब्याज दर और other fees associated के साथ a ऋण. Unlike the nominal ब्याज दर, APR provides a more complete picture की the true लागत की a ऋण द्वारा factoring में origination fees, closing costs, points, और other charges. यह allows borrowers को compare different ऋण offers accurately.
उपयोग कैसे करें
Enter your ऋण राशि, nominal ब्याज दर, और various fees (ऋण fees, छूट points, closing costs). Specify the ऋण term सालों में और compounding frequency. The कैलकुलेटर will display the APR, effective APR, मासिक भुगतान, कुल ब्याज paid, और कुल लागत की the ऋण, helping you understand the true लागत की borrowing.
अक्सर पूछे जाने वाले प्रश्न
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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