【貸款計算機】補充資料
甚麼是【貸款計算機】?
【貸款計算機】是用來計算貸款的每月還款、總貸款利息支出、貸款圖表,而毋須動用 MS Excel (試算表)。
巿面上有很多種貸款,有私人貸款、信用卡貸款、稅貸等等,林林總總的。而無論私人貸款、信用卡貸款或稅貸,最重要都是看年利率。到底如何自行計算以年利率計算的貸款的每月還款額呢?下面會有詳細說明。
以年利率計算的貸款
以年利率計算貸款的方程式如下:
![貸款計算方程式(以年利率計算)](http://178.128.105.246/cars-https-cc.bingj.com/data:image/png;base64,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)
- A 是每月還款額
- P 是貸款額(借了多少錢)
- r 是貸款年利率(%)除以 12,因為一年有十二個月
- n 是還款月數
例子:
我向銀行借了 50,000 元貸款,如果年息是 5%,分期 36 個月,那麼我每月還款額是:
有另一種貸款不以年利率計算,但是以月平息計算,那麼應怎樣計算呢,月平息跟年利率有甚麼分別?
以月平息計算的貸款
以月平息計算貸款的方程式如下:
- A 是每月還款額
- P 是貸款額(借了多少錢)
- r 是貸款月平息(%)
- n 是還款月數
例子:
我向銀行借了 50,000 元貸款,如果月平息是 0.14%,分期 36 個月,那麼我每月還款額是:
![貸款計算例子](http://178.128.105.246/cars-https-cc.bingj.com/data:image/png;base64,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)
此例子月平息 0.14%,還款期 36 個月的實際年利率為 3.22%
請注意,月平息是可以轉換為實際年利率。當比較貸款時,應該以年利率作比較,實際年利率越少越好。
為方便大家,本網已預備了
月平息/實際年利率計算機
78 法則
欲借貸的朋友要小心,千萬別以為你每月歸還的本金都是一樣!其實不論銀行/財務機構以「直線法」還是「78 法則」,客戶在開始償還款時,利息的比重都是比較高的。所以,若你選擇提早還款,就要注意你的未償還本金及可能要支付的提前還款手續費。
我會在此說明甚麼是 「78 法則」。
「78 法則」是這樣出來的:
使用了 12 個月還款期作命名。78 怎樣出來呢?就是:
![78 法則](http://178.128.105.246/cars-https-cc.bingj.com/data:image/png;base64,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)
就是這樣,全期總利息便能分成 78 份,第一個月支付利息 12/78,第二個月支付利息 11/78,如此類推。所以每月的還款中,利息跟本金的比例並不是一致的,開始時利息較多,到後來利息較少。
例子:
如果借了 36 個月貸款:
![78 法則](http://178.128.105.246/cars-https-cc.bingj.com/data:image/png;base64,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)
就這樣,36 個月貸款的全期總利息便會分成 666 份,第一個月支付利息 36/666,第二個月支付利息 35/666,如此類推。
【貸款計算機】的計算結果只供參巧,借貸前必須先向有關銀行或財務機構了解清楚!
這個【貸款計算機】讓你輕鬆計算貸款資料。如覺得這【貸款計算機】好用的話可以幫忙分享!謝謝!