대출 이자 계산기 – 원리금 균등상환 & 아파트 대출 상환 스케줄

계산 공식 및 산출 알고리즘

            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 사용 방법 및 가이드

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.

자주 묻는 질문 (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.

계산 공식 및 산출 알고리즘

Loan & Mortgage Payment Calculator 사용 방법 및 가이드

자주 묻는 질문 (FAQ)

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