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What is a Loan Calculator?
A loan calculator calculates monthly payment, total payment, and total interest based on loan amount, annual interest rate, and loan period. Based on equal principal and interest repayment method, useful for comparing mortgage loans, credit loans, and installment savings loans.
How to Use
Step 1: Enter loan amount. Step 2: Enter annual interest rate. Step 3: Enter loan period (years). Step 4: Click Calculate to see monthly payment, total payment, and total interest. Step 5: View period comparison table and repayment schedule.
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คำถามที่พบบ่อย (FAQ)
- ถาม. What about interest-only repayment?
- ตอบ. Interest-only repayment means paying only interest during the term and repaying principal at maturity. Lower monthly burden but requires large lump-sum repayment at maturity, so financial planning is essential. This tool calculates based on equal amortization.
- ถาม. What about early repayment fees?
- ตอบ. Early repayment fees may apply when paying off the loan balance early. Typically 0.5-1.5% of the balance if repaid within 3 years of loan execution. Check your loan product terms for exact rates.