Basit Kredi Ödeme Hesaplayıcı
Bu basit kredi ödeme hesaplayıcısı, kredi taksit ödemelerini hesaplamak için tasarlanmıştır.
Bu Basit Kredi Ödeme Hesaplayıcı is designed to calculate loan installment payments. It uses basic information such as loan amount, interest rate and term length to determine the monthly payment amount. Using this calculator, you can more easily determine your monthly payment amount when taking out a loan or setting up your payment plan.
Çevrimiçi kullanırken Basit Kredi Ödeme Hesaplayıcı, you can calculate by entering: Loan amount, Interest rate and Number of period.
Not: “Dönem sayısı” alanının toplam ay sayısı olarak belirtilmesi tavsiye edilir.
P = \frac{L \cdot \frac{r}{12}}{1 - (1 + \frac{r}{12})^{-n}}
Neresi:
- P: aylık ödeme
- L: kredi tutarı
- r: yıllık faiz oranıdır (ondalık sayı olarak ifade edilir)
- n: ödeme sayısıdır (genellikle toplam ay sayısı)
İçindekiler:
How is the Monthly Loan Payment Calculated? Using Our Basit Kredi Ödeme Hesaplayıcı
The loan monthly payment is calculated based on factors such as the loan amount, interest rate and term length. Basically, it is determined using the monthly payment on loan (PMT) formula. Our Basit Kredi Ödeme Hesaplayıcı implements this formula to provide you with a quick and easy calculation. The formula is as follows:
PMT = \frac{P \times r \times (1 + r)^n}{(1 + r)^n - 1}Here, as used in our Basit Kredi Ödeme Hesaplayıcı:
- P: loan amount (input)
- r: monthly interest rate (calculated by the calculator from the annual rate you provide)
- n: represents the loan maturity (in months) (input as ‘Number of period’)
In this formula, the payment amount (PMT) represents the fixed amount to be paid each month (the result from the calculator). This formula is used to calculate the amount of monthly installments needed to repay the entire loan. Also, some considerations to take into account in this formula, which our Basit Kredi Ödeme Hesaplayıcı handles:
- If the interest rate is given in annual terms, the annual interest rate is divided by 12 to find the monthly interest rate.
- Vade süresi de ay cinsinden ifade edilmelidir.
This formula is a commonly used method for calculating monthly loan payments, and our Basit Kredi Ödeme Hesaplayıcı makes it readily accessible. While the formula is straightforward, our online tool provides faster and more accurate results. For more related calculator buraya tıklayın.
Kredi Ödemesi Nedir?
Loan repayments are periodic payments made to repay the loan amount when a loan or debt is taken out. These payments are usually made at regular intervals and continue throughout the loan term. A loan payment usually consists of principal and interest. Principal represents the original debt of the loan amount, while interest debt refers to the additional cost calculated on the loan amount. Our Basit Kredi Ödeme Hesaplayıcı helps you determine the size of these periodic payments.
Loan payments, as calculated by our tool, are determined by the loan amount, interest rate and maturity period and are made in installments. These payments are structured to ensure the loan is fully repaid over the agreed term.
Kredi Geri Ödeme Hesaplama Yöntemleri
Bizim Basit Kredi Ödeme Hesaplayıcı primarily uses a method akin to the fixed installment method, incorporating compound interest on a monthly basis. Here’s a brief overview of general methods, with our calculator focusing on a common approach:
- Basit Faiz Yöntemi: Interest is calculated only on the principal. Our calculator uses compound interest.
- Bileşik Faiz Yöntemi: Interest is calculated on the principal and accumulated interest. This is the basis of our Basit Kredi Ödeme Hesaplayıcı.
- Amortisman Tablosu Yöntemi: This shows the breakdown of principal and interest in each payment. Our calculator provides the total monthly payment, but not the detailed amortization schedule.
- Sabit Taksit Yöntemi: The payment amount remains constant. This is the type of calculation our Basit Kredi Ödeme Hesaplayıcı performs.
Bizim Basit Kredi Ödeme Hesaplayıcı provides a straightforward way to determine your fixed monthly payment based on the loan terms you enter.
Simple Loan Payment Calculation Example Using Our Calculator’s Logic
You want to get a loan of 10,000 USD from the bank. The bank charges an annual interest rate of 10% for this loan and the loan term is 12 months. Let’s use our Basit Kredi Ödeme Hesaplayıcı to find your monthly payment.
Enter the following into the Basit Kredi Ödeme Hesaplayıcı:
- Loan Amount: 10,000 USD
- Interest Rate: 10%
- Number of period: 12 (months)
Using the formula:
P = \frac{10000 \cdot \frac{0.10}{12}}{1 - (1 + \frac{0.10}{12})^{-12}} P = \frac{10000 \cdot 0.008333}{1 - (1.008333)^{-12}} P = \frac{83.33}{1 - 0.90487} P = \frac{83.33}{0.09513}Monthly Payment: ≈ 875.91 USD
The amount to be paid to the bank each month will be approximately 875.91 USD, as calculated by the Basit Kredi Ödeme Hesaplayıcı.
Kredi Geri Ödeme Hesaplamasında Dikkat Edilmesi Gerekenler
Here are some important points to consider when using our Basit Kredi Ödeme Hesaplayıcı:
Faiz oranı: Ensure you enter the correct annual interest rate. The calculator will convert it to a monthly rate.
Kredi miktarı: Double-check the principal amount you are borrowing.
Vade Süresi: Enter the loan term as the total number of months for accurate results.
Ek maliyetler: Bizim Basit Kredi Ödeme Hesaplayıcı primarily focuses on principal and interest. Be aware of potential additional costs like insurance or fees that might affect your total borrowing cost.
Ödeme Planının İncelenmesi: While the calculator gives the monthly payment, ask your lender for a full amortization schedule to see the breakdown of principal and interest over time.
Vergi ve Yasal Yükümlülükler: Loan repayments generally involve after-tax money. Consult with a financial advisor regarding any tax implications of your loan.
Esneklik ve Ayarlamalar: Our calculator shows a fixed payment. Inquire about options for extra payments or adjustments to the repayment schedule if needed.
Looking for a more detailed payment plan? Check out our Kredi Ödeme Hesaplama for a comprehensive breakdown.