住宅ローンシミュレーション – ローン返済額計算 & 返済計画表

計算式および算出アルゴリズム

            EMI = P × [r(1 + r)ⁿ] / [(1 + r)ⁿ - 1]
          

Monthly EMI is derived using standard fixed-annuity compound discounting formula over the total number of payment periods.

Loan & Mortgage Payment Calculatorの使い方と手順

Enter your total borrowed principal loan amount.
Input the annual interest rate offered by your financial institution.
Select your loan tenure in years or months.
Toggle between Fixed EMI or Reducing Balance method to inspect monthly principal vs. interest amortization.

よくあるご質問 (FAQ)

What is the difference between Fixed EMI and Reducing Balance loan schedules?

With Fixed EMI, your total monthly payment remains constant throughout the loan term. With reducing balance, you pay a fixed principal each month plus interest on the remaining balance, so payments decrease over time.

Can I view or export the full amortization schedule?

Yes, you can inspect every monthly breakdown showing starting balance, principal paid, interest paid, and remaining balance.

計算式および算出アルゴリズム

Loan & Mortgage Payment Calculatorの使い方と手順

よくあるご質問 (FAQ)

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