Pananalapi · Libreng online tool

Kalkulador ng loan para sa negosyo

Ihambing ang mga schedule ng pagbabayad ng business-loan at mga frequency ng compounding, na may opsyonal na karagdagang pangunahing at modeled upfront funding fees.

Pera: PHP

Ilagay ang lahat ng halaga sa PHP. Hindi nagbabago ang mga bilang kapag pinalitan ang pera; walang inilalapat na exchange rate.

Mga inilagay mong halaga

Buwan ng unang bayad

Ginagawa ang mga kalkulasyon sa iyong browser. Hindi kailangan ng account.

HALIMBAWANG RESULTAKinakalkula sa iyong device
Regular na buwanang bayad
₱1,580.17
Halaga ng loan
₱250,000.00
Kabuuang interes
₱318,861.22
Kabuuang mga bayad
₱568,861.22
Panahon hanggang mabayaran nang buo
360 buwan
Pumunta sa buong talahanayan
Aking workspace

Kalkulahin gamit ang iyong mga inilagay para mag-save ng resulta o maghambing ng mga senaryo.

Balanse ng loan sa paglipas ng panahon

PHP
Balanse
062.4K124.9K187.3K249.8K1180360
Bayad 360
Balanse₱0.00

Detalye ng bayad sa loan

PHP

Prinsipal at interes sa buong tagal ng loan.

Kabuuan₱568,861.22
  • Prinsipal₱250,000.0043.9%
  • Interes₱318,861.2256.1%

Detalyadong paliwanag

Lahat ng 360 hanay

Buong kalkulasyon, bawat hanay. Mga halaga sa PHP.

Mag-swipe o mag-scroll nang pahalang upang makita ang iba pang column.
Detalyadong paliwanag · Lahat ng 360 hanay
BayadBuwanHalaga ng bayad (PHP)Prinsipal (PHP)Interes (PHP)Balanse (PHP)
12026-111,580.17226.001,354.17249,774.00
22026-121,580.17227.231,352.94249,546.77
32027-011,580.17228.461,351.71249,318.31
42027-021,580.17229.701,350.47249,088.61
52027-031,580.17230.941,349.23248,857.67
62027-041,580.17232.191,347.98248,625.48
72027-051,580.17233.451,346.72248,392.04
82027-061,580.17234.711,345.46248,157.32
92027-071,580.17235.981,344.19247,921.34
102027-081,580.17237.261,342.91247,684.07
112027-091,580.17238.551,341.62247,445.53
122027-101,580.17239.841,340.33247,205.69
132027-111,580.17241.141,339.03246,964.55
142027-121,580.17242.451,337.72246,722.10
152028-011,580.17243.761,336.41246,478.34
162028-021,580.17245.081,335.09246,233.26
172028-031,580.17246.411,333.76245,986.86
182028-041,580.17247.741,332.43245,739.12
192028-051,580.17249.081,331.09245,490.03
202028-061,580.17250.431,329.74245,239.60
212028-071,580.17251.791,328.38244,987.81
222028-081,580.17253.151,327.02244,734.66
232028-091,580.17254.521,325.65244,480.13
242028-101,580.17255.901,324.27244,224.23
252028-111,580.17257.291,322.88243,966.94
262028-121,580.17258.681,321.49243,708.26
272029-011,580.17260.081,320.09243,448.18
282029-021,580.17261.491,318.68243,186.68
292029-031,580.17262.911,317.26242,923.78
302029-041,580.17264.331,315.84242,659.44
312029-051,580.17265.761,314.41242,393.68
322029-061,580.17267.201,312.97242,126.47
332029-071,580.17268.651,311.52241,857.82
342029-081,580.17270.111,310.06241,587.72
352029-091,580.17271.571,308.60241,316.15
362029-101,580.17273.041,307.13241,043.10
372029-111,580.17274.521,305.65240,768.58
382029-121,580.17276.011,304.16240,492.58
392030-011,580.17277.501,302.67240,215.08
402030-021,580.17279.011,301.16239,936.07
412030-031,580.17280.521,299.65239,655.55
422030-041,580.17282.041,298.13239,373.52
432030-051,580.17283.561,296.61239,089.96
442030-061,580.17285.101,295.07238,804.86
452030-071,580.17286.641,293.53238,518.21
462030-081,580.17288.201,291.97238,230.02
472030-091,580.17289.761,290.41237,940.26
482030-101,580.17291.331,288.84237,648.93
492030-111,580.17292.911,287.27237,356.03
502030-121,580.17294.491,285.68237,061.53
512031-011,580.17296.091,284.08236,765.45
522031-021,580.17297.691,282.48236,467.76
532031-031,580.17299.301,280.87236,168.45
542031-041,580.17300.921,279.25235,867.53
552031-051,580.17302.551,277.62235,564.98
562031-061,580.17304.191,275.98235,260.78
572031-071,580.17305.841,274.33234,954.94
582031-081,580.17307.501,272.67234,647.44
592031-091,580.17309.161,271.01234,338.28
602031-101,580.17310.841,269.33234,027.44
612031-111,580.17312.521,267.65233,714.92
622031-121,580.17314.211,265.96233,400.71
632032-011,580.17315.921,264.25233,084.79
642032-021,580.17317.631,262.54232,767.16
652032-031,580.17319.351,260.82232,447.82
662032-041,580.17321.081,259.09232,126.74
672032-051,580.17322.821,257.35231,803.92
682032-061,580.17324.571,255.60231,479.36
692032-071,580.17326.321,253.85231,153.03
702032-081,580.17328.091,252.08230,824.94
712032-091,580.17329.871,250.30230,495.07
722032-101,580.17331.661,248.51230,163.42
732032-111,580.17333.451,246.72229,829.97
742032-121,580.17335.261,244.91229,494.71
752033-011,580.17337.071,243.10229,157.64
762033-021,580.17338.901,241.27228,818.74
772033-031,580.17340.741,239.43228,478.00
782033-041,580.17342.581,237.59228,135.42
792033-051,580.17344.441,235.73227,790.98
802033-061,580.17346.301,233.87227,444.68
812033-071,580.17348.181,231.99227,096.50
822033-081,580.17350.061,230.11226,746.44
832033-091,580.17351.961,228.21226,394.48
842033-101,580.17353.871,226.30226,040.61
852033-111,580.17355.781,224.39225,684.83
862033-121,580.17357.711,222.46225,327.12
872034-011,580.17359.651,220.52224,967.47
882034-021,580.17361.601,218.57224,605.87
892034-031,580.17363.551,216.62224,242.32
902034-041,580.17365.521,214.65223,876.79
912034-051,580.17367.501,212.67223,509.29
922034-061,580.17369.491,210.68223,139.80
932034-071,580.17371.501,208.67222,768.30
942034-081,580.17373.511,206.66222,394.79
952034-091,580.17375.531,204.64222,019.26
962034-101,580.17377.571,202.60221,641.69
972034-111,580.17379.611,200.56221,262.08
982034-121,580.17381.671,198.50220,880.42
992035-011,580.17383.731,196.44220,496.68
1002035-021,580.17385.811,194.36220,110.87
1012035-031,580.17387.901,192.27219,722.97
1022035-041,580.17390.001,190.17219,332.96
1032035-051,580.17392.121,188.05218,940.84
1042035-061,580.17394.241,185.93218,546.60
1052035-071,580.17396.381,183.79218,150.23
1062035-081,580.17398.521,181.65217,751.71
1072035-091,580.17400.681,179.49217,351.02
1082035-101,580.17402.851,177.32216,948.17
1092035-111,580.17405.031,175.14216,543.14
1102035-121,580.17407.231,172.94216,135.91
1112036-011,580.17409.431,170.74215,726.48
1122036-021,580.17411.651,168.52215,314.82
1132036-031,580.17413.881,166.29214,900.94
1142036-041,580.17416.121,164.05214,484.82
1152036-051,580.17418.381,161.79214,066.44
1162036-061,580.17420.641,159.53213,645.80
1172036-071,580.17422.921,157.25213,222.88
1182036-081,580.17425.211,154.96212,797.66
1192036-091,580.17427.521,152.65212,370.15
1202036-101,580.17429.831,150.34211,940.32
1212036-111,580.17432.161,148.01211,508.16
1222036-121,580.17434.501,145.67211,073.66
1232037-011,580.17436.851,143.32210,636.80
1242037-021,580.17439.221,140.95210,197.58
1252037-031,580.17441.601,138.57209,755.98
1262037-041,580.17443.991,136.18209,311.99
1272037-051,580.17446.401,133.77208,865.59
1282037-061,580.17448.811,131.36208,416.78
1292037-071,580.17451.251,128.92207,965.53
1302037-081,580.17453.691,126.48207,511.84
1312037-091,580.17456.151,124.02207,055.69
1322037-101,580.17458.621,121.55206,597.07
1332037-111,580.17461.101,119.07206,135.97
1342037-121,580.17463.601,116.57205,672.37
1352038-011,580.17466.111,114.06205,206.26
1362038-021,580.17468.641,111.53204,737.62
1372038-031,580.17471.171,109.00204,266.45
1382038-041,580.17473.731,106.44203,792.72
1392038-051,580.17476.291,103.88203,316.43
1402038-061,580.17478.871,101.30202,837.56
1412038-071,580.17481.471,098.70202,356.09
1422038-081,580.17484.071,096.10201,872.02
1432038-091,580.17486.701,093.47201,385.32
1442038-101,580.17489.331,090.84200,895.99
1452038-111,580.17491.981,088.19200,404.00
1462038-121,580.17494.651,085.52199,909.35
1472039-011,580.17497.331,082.84199,412.03
1482039-021,580.17500.021,080.15198,912.01
1492039-031,580.17502.731,077.44198,409.28
1502039-041,580.17505.451,074.72197,903.82
1512039-051,580.17508.191,071.98197,395.63
1522039-061,580.17510.941,069.23196,884.69
1532039-071,580.17513.711,066.46196,370.98
1542039-081,580.17516.491,063.68195,854.48
1552039-091,580.17519.291,060.88195,335.19
1562039-101,580.17522.101,058.07194,813.09
1572039-111,580.17524.931,055.24194,288.15
1582039-121,580.17527.781,052.39193,760.38
1592040-011,580.17530.631,049.54193,229.74
1602040-021,580.17533.511,046.66192,696.23
1612040-031,580.17536.401,043.77192,159.84
1622040-041,580.17539.301,040.87191,620.53
1632040-051,580.17542.231,037.94191,078.31
1642040-061,580.17545.161,035.01190,533.14
1652040-071,580.17548.121,032.05189,985.03
1662040-081,580.17551.081,029.09189,433.94
1672040-091,580.17554.071,026.10188,879.87
1682040-101,580.17557.071,023.10188,322.80
1692040-111,580.17560.091,020.08187,762.71
1702040-121,580.17563.121,017.05187,199.59
1712041-011,580.17566.171,014.00186,633.42
1722041-021,580.17569.241,010.93186,064.18
1732041-031,580.17572.321,007.85185,491.86
1742041-041,580.17575.421,004.75184,916.44
1752041-051,580.17578.541,001.63184,337.90
1762041-061,580.17581.67998.50183,756.22
1772041-071,580.17584.82995.35183,171.40
1782041-081,580.17587.99992.18182,583.41
1792041-091,580.17591.18988.99181,992.23
1802041-101,580.17594.38985.79181,397.85
1812041-111,580.17597.60982.57180,800.25
1822041-121,580.17600.84979.33180,199.42
1832042-011,580.17604.09976.08179,595.33
1842042-021,580.17607.36972.81178,987.97
1852042-031,580.17610.65969.52178,377.32
1862042-041,580.17613.96966.21177,763.36
1872042-051,580.17617.29962.88177,146.07
1882042-061,580.17620.63959.54176,525.44
1892042-071,580.17623.99956.18175,901.45
1902042-081,580.17627.37952.80175,274.08
1912042-091,580.17630.77949.40174,643.31
1922042-101,580.17634.19945.98174,009.13
1932042-111,580.17637.62942.55173,371.51
1942042-121,580.17641.07939.10172,730.43
1952043-011,580.17644.55935.62172,085.88
1962043-021,580.17648.04932.13171,437.85
1972043-031,580.17651.55928.62170,786.30
1982043-041,580.17655.08925.09170,131.22
1992043-051,580.17658.63921.54169,472.59
2002043-061,580.17662.19917.98168,810.40
2012043-071,580.17665.78914.39168,144.62
2022043-081,580.17669.39910.78167,475.23
2032043-091,580.17673.01907.16166,802.22
2042043-101,580.17676.66903.51166,125.56
2052043-111,580.17680.32899.85165,445.24
2062043-121,580.17684.01896.16164,761.23
2072044-011,580.17687.71892.46164,073.52
2082044-021,580.17691.44888.73163,382.08
2092044-031,580.17695.18884.99162,686.90
2102044-041,580.17698.95881.22161,987.95
2112044-051,580.17702.74877.43161,285.21
2122044-061,580.17706.54873.63160,578.67
2132044-071,580.17710.37869.80159,868.30
2142044-081,580.17714.22865.95159,154.08
2152044-091,580.17718.09862.08158,436.00
2162044-101,580.17721.98858.19157,714.02
2172044-111,580.17725.89854.28156,988.14
2182044-121,580.17729.82850.35156,258.32
2192045-011,580.17733.77846.40155,524.55
2202045-021,580.17737.75842.42154,786.80
2212045-031,580.17741.74838.43154,045.06
2222045-041,580.17745.76834.41153,299.30
2232045-051,580.17749.80830.37152,549.50
2242045-061,580.17753.86826.31151,795.64
2252045-071,580.17757.94822.23151,037.70
2262045-081,580.17762.05818.12150,275.65
2272045-091,580.17766.18813.99149,509.47
2282045-101,580.17770.33809.84148,739.15
2292045-111,580.17774.50805.67147,964.65
2302045-121,580.17778.69801.48147,185.95
2312046-011,580.17782.91797.26146,403.04
2322046-021,580.17787.15793.02145,615.89
2332046-031,580.17791.42788.75144,824.47
2342046-041,580.17795.70784.47144,028.76
2352046-051,580.17800.01780.16143,228.75
2362046-061,580.17804.35775.82142,424.40
2372046-071,580.17808.70771.47141,615.70
2382046-081,580.17813.09767.09140,802.61
2392046-091,580.17817.49762.68139,985.12
2402046-101,580.17821.92758.25139,163.21
2412046-111,580.17826.37753.80138,336.84
2422046-121,580.17830.85749.32137,505.99
2432047-011,580.17835.35744.82136,670.65
2442047-021,580.17839.87740.30135,830.77
2452047-031,580.17844.42735.75134,986.35
2462047-041,580.17848.99731.18134,137.36
2472047-051,580.17853.59726.58133,283.77
2482047-061,580.17858.22721.95132,425.55
2492047-071,580.17862.86717.31131,562.69
2502047-081,580.17867.54712.63130,695.15
2512047-091,580.17872.24707.93129,822.91
2522047-101,580.17876.96703.21128,945.95
2532047-111,580.17881.71698.46128,064.23
2542047-121,580.17886.49693.68127,177.75
2552048-011,580.17891.29688.88126,286.46
2562048-021,580.17896.12684.05125,390.34
2572048-031,580.17900.97679.20124,489.36
2582048-041,580.17905.85674.32123,583.51
2592048-051,580.17910.76669.41122,672.75
2602048-061,580.17915.69664.48121,757.06
2612048-071,580.17920.65659.52120,836.41
2622048-081,580.17925.64654.53119,910.77
2632048-091,580.17930.65649.52118,980.11
2642048-101,580.17935.69644.48118,044.42
2652048-111,580.17940.76639.41117,103.66
2662048-121,580.17945.86634.31116,157.80
2672049-011,580.17950.98629.19115,206.82
2682049-021,580.17956.13624.04114,250.68
2692049-031,580.17961.31618.86113,289.37
2702049-041,580.17966.52613.65112,322.85
2712049-051,580.17971.75608.42111,351.10
2722049-061,580.17977.02603.15110,374.08
2732049-071,580.17982.31597.86109,391.77
2742049-081,580.17987.63592.54108,404.14
2752049-091,580.17992.98587.19107,411.16
2762049-101,580.17998.36581.81106,412.80
2772049-111,580.171,003.77576.40105,409.03
2782049-121,580.171,009.20570.97104,399.82
2792050-011,580.171,014.67565.50103,385.15
2802050-021,580.171,020.17560.00102,364.99
2812050-031,580.171,025.69554.48101,339.29
2822050-041,580.171,031.25548.92100,308.04
2832050-051,580.171,036.83543.3499,271.21
2842050-061,580.171,042.45537.7298,228.76
2852050-071,580.171,048.10532.0797,180.66
2862050-081,580.171,053.77526.4096,126.89
2872050-091,580.171,059.48520.6995,067.40
2882050-101,580.171,065.22514.9594,002.18
2892050-111,580.171,070.99509.1892,931.19
2902050-121,580.171,076.79503.3891,854.40
2912051-011,580.171,082.63497.5490,771.77
2922051-021,580.171,088.49491.6889,683.28
2932051-031,580.171,094.39485.7888,588.90
2942051-041,580.171,100.31479.8687,488.58
2952051-051,580.171,106.27473.9086,382.31
2962051-061,580.171,112.27467.9085,270.04
2972051-071,580.171,118.29461.8884,151.75
2982051-081,580.171,124.35455.8283,027.40
2992051-091,580.171,130.44449.7381,896.97
3002051-101,580.171,136.56443.6180,760.41
3012051-111,580.171,142.72437.4579,617.69
3022051-121,580.171,148.91431.2678,468.78
3032052-011,580.171,155.13425.0477,313.65
3042052-021,580.171,161.39418.7876,152.26
3052052-031,580.171,167.68412.4974,984.58
3062052-041,580.171,174.00406.1773,810.58
3072052-051,580.171,180.36399.8172,630.22
3082052-061,580.171,186.76393.4171,443.46
3092052-071,580.171,193.18386.9970,250.28
3102052-081,580.171,199.65380.5269,050.63
3112052-091,580.171,206.15374.0267,844.48
3122052-101,580.171,212.68367.4966,631.80
3132052-111,580.171,219.25360.9265,412.55
3142052-121,580.171,225.85354.3264,186.70
3152053-011,580.171,232.49347.6862,954.21
3162053-021,580.171,239.17341.0061,715.04
3172053-031,580.171,245.88334.2960,469.16
3182053-041,580.171,252.63327.5459,216.53
3192053-051,580.171,259.41320.7657,957.12
3202053-061,580.171,266.24313.9356,690.88
3212053-071,580.171,273.09307.0855,417.79
3222053-081,580.171,279.99300.1854,137.80
3232053-091,580.171,286.92293.2552,850.88
3242053-101,580.171,293.89286.2851,556.98
3252053-111,580.171,300.90279.2750,256.08
3262053-121,580.171,307.95272.2248,948.13
3272054-011,580.171,315.03265.1447,633.09
3282054-021,580.171,322.16258.0146,310.94
3292054-031,580.171,329.32250.8544,981.62
3302054-041,580.171,336.52243.6543,645.10
3312054-051,580.171,343.76236.4142,301.34
3322054-061,580.171,351.04229.1340,950.30
3332054-071,580.171,358.36221.8139,591.94
3342054-081,580.171,365.71214.4638,226.23
3352054-091,580.171,373.11207.0636,853.12
3362054-101,580.171,380.55199.6235,472.57
3372054-111,580.171,388.03192.1434,084.54
3382054-121,580.171,395.55184.6232,689.00
3392055-011,580.171,403.10177.0731,285.89
3402055-021,580.171,410.70169.4729,875.19
3412055-031,580.171,418.35161.8228,456.84
3422055-041,580.171,426.03154.1427,030.81
3432055-051,580.171,433.75146.4225,597.06
3442055-061,580.171,441.52138.6524,155.54
3452055-071,580.171,449.33130.8422,706.21
3462055-081,580.171,457.18122.9921,249.04
3472055-091,580.171,465.07115.1019,783.96
3482055-101,580.171,473.01107.1618,310.96
3492055-111,580.171,480.9999.1816,829.97
3502055-121,580.171,489.0191.1615,340.96
3512056-011,580.171,497.0783.1013,843.89
3522056-021,580.171,505.1874.9912,338.71
3532056-031,580.171,513.3466.8310,825.37
3542056-041,580.171,521.5358.649,303.84
3552056-051,580.171,529.7750.407,774.07
3562056-061,580.171,538.0642.116,236.01
3572056-071,580.171,546.3933.784,689.61
3582056-081,580.171,554.7725.403,134.85
3592056-091,580.171,563.1916.981,571.66
3602056-101,580.171,571.668.510.00

Paano gamitin

Isang mahalagang pagkakaiba

Magplano gamit ang netong matatanggap

Ang 50,000 na loan na may 2,000 na paunang financing charges ay nag-iiwan ng 48,000, pero sa 50,000 pa rin nakabatay ang hulog. Ihambing ang magagamit na halaga sa kinakailangang working capital.

Pagtutugma ng hulog sa negosyo at daloy ng salapi

Itugma ang dalas ng bayad sa iminungkahing kasunduan sa pautang. Hindi direktang maihahambing ang buwanan at lingguhang hulog nang hindi isinasaalang-alang ang bilang ng bayad. Suriin ang kabuuang babayaran at oras ng hulog kasabay ng inaasahang daloy ng salapi. Modelo lamang ito ng inilagay na tuntunin; hindi nito hinuhulaan ang kitang magagamit sa pagbabayad.

Loan at iskedyul ng bayad: pormula at mga palagay

Gantimpala = P × r / [1−(1+r)^−n], kung saan r ang buwanang rate.

Ang parehong buwanang pagbabayad ay amortize ang isang fixed rate loan. Ang karagdagang pagbabayad ay mabawasan ang pangunahing pagkatapos ng regular na pagbayaran.

Dalas ng bayad at compounding: pormula at mga palagay

Ang bilis ng panahon=(1+nominal na rate/compounds)^(compounds/palay)−1; kabayaran=P×i/[1−(1+i)^−n].

Ang term ay dapat magbigay ng isang buong bilang ng mga pagbabayad. Upfront fees ay mabawasan ang net na kita para sa modeled APR ngunit huwag baguhin ang halaga repaid. Ito ay hindi isang jurisdiction-specific APR disclosure.

Halimbawang kalkulasyon

Reference halimbawa ng currency: USD Ang mga ito fixed halimbawa ay hindi pagbabago sa iyong kalkulator preferences.

Gamit ang halimbawang Loan at iskedyul ng bayad:

Mga input
Halaga ng loan ($)
250000
Taunang rate ng interes (%)
6.5
Tagal (taon)
30
Dagdag na buwanang bayad ($)
0
Buwan ng unang bayad
2026-11-01
Paraan

Gantimpala = P × r / [1−(1+r)^−n], kung saan r ang buwanang rate.

Resulta

Resulta ng halimbawa

Regular na buwanang bayad: $1,580.17

Halaga ng loan: $250,000.00

Kabuuang interes: $318,861.22

Kabuuang mga bayad: $568,861.22

Panahon hanggang mabayaran nang buo: 360 buwan

Ito ay mga ilustrasyon. Baguhin ang mga halaga upang malaman ang isang iba't ibang scenario.

Mga dapat tandaan

Ang mga bayad, variable rate, mga kinakailangan ng pagbabayad, at ang mga convention ng pagbabayad ay hindi awtomatikong kasama.

Mga sanggunian ng pormula

Ang mga referral ay nagpapaliwanag ng mga nakaraang pamamaraan; hindi nila sumasang-ayon sa pagsusuri o indibidwal na propesyonal na pagsusuri ng Finflo.

Mga karaniwang tanong

Maaari ko bang ikukumpara ang monthly and less frequent business loan payments?

Ano ang Ang frequency mode ay sumusuporta sa iba't ibang compounding at mga schedule ng pagbabayad, kung ang termino ay naglalaman ng isang buong bilang ng pagbabayad.

Ang resulta ay isang negosyo-loan approval o legal APR disclosure?

Hindi. Ang mga modelo nito ay nagpasok ng cash flow; subwriting, variable pricing, mga kinakailangan sa seguridad at mga patakaran APR-specific ay nasa labas ng kanyang hanay.

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