Loan Payment Calculator

我的贷款还款金额将是多少？

贷款金额、利率和贷款期限会对你最终支付的贷款总额产生巨大影响。使用我们的贷款支付计算器来确定付款金额并查看这些变量对指定贷款金额以及摊销计划的影响。

贷款信息

贷款金额 (￥)

年利率 (0% - 40%)

贷款期限（月数） (1 - 360)

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Advantages of a Good Credit Score

Interest is the charge added to a loan that makes up the cost of money. Interest is usually expressed as a percentage of the loan principal. The principal is the original amount of the loan. The interest rate tells you what percentage of the unpaid loan will be charged each period. The period is usually a year but may be any agreed-upon time. Here is how it works. Let's say you loan your friend $100 at 5% annual interest. At the end of a year—the period—you should receive $105, or $100 of principal and $5 interest. Simple, isn't it?

Let's say your friend doesn't repay the $100 principal, but pays you only the $5 interest; then the next year your friend will still owe you the $100 plus another $5 in interest. The preceding is an example of simple interest. Simple interest is the amount of money to be paid each period on a principal amount due.
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5 Ways to Create a Budget That Works

In personal finance, you set financial goals so you can plan your budget around those goals. After all, they are your priorities, aren't they? Here is how financial planners work with budgets:

A budget has two main components: cash coming in (inflows) and cash going out (outflows). If you subtract the outflows from the inflows, the answer should always be zero. That is called balancing the budget.
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Credit 101

An important part of personal finance is how you manage your debt. Ideally, you would not have any debt, but in practice, most families do. It is not likely that most persons would be able to buy a car, a house, an education, or even major appliances without having to incur some debt. Sometimes, debt may actually be desirable, especially if you could borrow money at a low interest rate to make a high-interest investment.

Debt makes everything cost more. If you saw a sign in a store window advertising "Sale -- Everything 25% Off," you might be tempted to rush in and buy, buy, buy. But what if the sign said "Sale -- Everything 25% More Than Marked"? That is just what happens when you pay for goods and services using debt. Moreover, you may be using debt without even realizing it.
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此資訊可幫助您分析您的財務需要。它以您提供的有關您目標、期望和財務狀況的資訊與假設為基礎。此服務不得推斷為公司要承擔任何受託責任。此外，此類服務不得作為可依賴的唯一資訊來源。此資訊透過我們認為可靠的來源提供，但我們不保證其準確性。假設說明可能提供歷史的或最新的績效資訊。過往績效並非未來結果之保證或象徵。
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