使用信用卡或者向银行贷款,需要每年按一定比例支付利息,这就叫年利率(APR)。如果你知道了几个关键数据,并且懂一点代数,那么只需要几分钟你就可以计算出信用卡的年利率。但是,贷款所用的年利率不同于简单的利率,为保证你能偿还贷款,你还需要支付额外的费用给银行。阅读本文,了解这它们的计算方法。
步骤
部分
1
部分 1 的 3:
APR的含义
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1
借钱是需要花钱的。如果你使用信用卡或者有银行贷款,那么你最终需要超过借款金额的钱来偿还借款。借钱给你的人,不仅希望你能够偿还本金,还需要你支付额外的费用,这个费用就是利息。
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2
APR可以按月或者按天计算。APR是你按年所支付的利息。比如,你借了$1,000, APR是10%,那么在年末,你又会多欠$100,即$1,000的10%。
- 放款人可以要求你按月付款。用APR除以12的结果就是月利率。比如,10% ÷ 12 = 0.83%,每月的利率就是0.83%。
- 放款人还可以要求你按天付款。用APR除以365的结果就是日利率。比如,10% ÷ 365 = 0.02%,每天的利率就是0.02%。
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3
三种类型的年利率。APR有三种计算方法,分别是固定利率、浮动利率和结构利率。[1]
固定利率在借款期限内保持不变;浮动利率每天都会变化,债务人无法知道它最终要支付的利息;结构利率根据借款时间的长度而定。
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4
平均年利率大概是14%。[2]
这个数据很重要,特别是在你无法快速偿清借款时。平均的固定利率大概略小于14%,而平均的浮动利率大概略高于14%。
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5
在信用卡还款日期之前偿清借款是可以不用支付利息的。如果你用信用卡消费了$500,并在到期日之前还清,那么这笔钱是不会计算年利率的。为了避免支付利息,以及维持良好的信用状况,你最好在每月还款日之前还清信用卡。
部分
2
部分 2 的 3:
计算信用卡的年利率
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1
找到最近的信用卡的消费金额或者欠款金额。假设,计息的金额是$2,500。
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2
找到你的信用卡的信贷费用。假设这个费用是$25。
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3
用信贷费用除以欠款金额。
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4
将上式答案乘以100,得到百分数。这个就是你的月利率。
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5
将月利率乘以12。答案就是你要求的年利率,即APR了。
部分
3
部分 3 的 3:
计算贷款的年利率
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1
在网上找一个年利率计算器。在搜索引擎中输入“贷款年利率计算器”,按下回车键搜索即可。
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2
确定你的借款金额,并输入到计算器中。假设,你打算借$300,000。
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3
输入获得贷款的成本费用。假设需要额外支出$750。
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4
输入给定的利率,代表每年不计额外费用的利率。假设,本例中的利率是6.25%。
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5
输入借款期限。大多数情况下,贷款期限都是以30年作为标准的。
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按下“计算”求出年利率。年利率会因为利率的不同而不同,根据金额的不同,相同利率下的利息也不同。
- 我们假设的这项贷款的年利率是6.37%。
- 每月的利息是$1,847。
- 总的利息金额是$364,975,这样还款金额就是$664,920。
小提示
- 按揭贷款的计算很复杂,不仅仅涉及借款金额和年利率。计算按揭贷款的年利率所用的公式中,包含了多步乘法和除法。贷款代理人并不会使用特定的年利率计算方法来计算利率,所以,如果你想比较各家的贷款利率,从而选择出成本最低的一个,你可以从网上搜集它们的相关信息,然后用在线计算器将它们的年利率算出来。“货比三家”的过程在贷款中也适用。
警告
- 在计算按揭贷款的年利率时,你必须考虑所有的隐藏费用。如果贷款代理人无法列清所有的收费信息,你应该换一家。贷款时你必须要知道所有的收费情况。
你需要准备
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信用卡账单
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计算器
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纸和笔
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年利率计算器(在线)
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贷款信息