Calculadora de préstamos – Calcular Porcentajes

Loan Calculator

Test how different types of loans perform. Use different interest rates and different loan repayment periods to see how loan payments vary. You can also change the interest rate during the loan repayment period.

Loan amount:

€

Loan interest rate:

Loan repayment interval:

1 month

2 months

Loan Type:

constant fee

decreasing quota

Set time to pay the loan:

Year

Month

Loan Payments

You can change the interest rate by clicking on the month number. The change will occur after that month. You can make several changes. When you have made all the changes you want, recalculate.

Month	Payment	Principal	Interest

Decreasing fee

Loan payments are higher at the beginning and lower at the end. You pay the same amount for the principal of the loan but pay different amounts for interest.

Let's say you take out a loan of €1000 for two years. The interest rate is 2% and you make annual payments. In the first year the payment of the principal of the loan is €500 and the interest is €20. In the second year the payment of the principal of the loan is €500 and the interest is €10. Then you make payments: €520 and €510.

If the interest rate rises during the repayment period, your payments will be higher. If the interest rate drops during the repayment period, your payments will be lower.

Constant fee

The payments are the same all the time. Let's take the same example as above: two-year loan for €1000 with an interest rate of 2% and annual payments. Both payments are €515.05. The total interest cost is higher. This is because there will not be as much principal payment on the loan at first.