계산하는 것에 자신이 없어서 부탁드립니다. 혹시 이자로 지불하는 금액을 계산하시는 법을 아시면 알려주십시오. 감사합니다.

$7.529 (내야할 돈)

APR 7.9%

납부기간: 36개월

계약서에 따르면, 이자로 내는 돈이 총 $979.85 입니다. 이 가격이 어떻게 나온 것인지 궁금합니다. 답변에 미리 감사드립니다. 좋은 하루 되세요.

그리고, 제가 만약 오늘 당장에 이 금액을 다 갚으면, 이자액인 $979.85는 안 갚아도 되는 것이 맞습니까? 감사합니다.

계약서상에 미리 갚을경우의 페널티를 참고하세요..

이자계산

REF) <a href=http://www.dinkytown.net/java/SimpleLoan.html
target=_blank>http://www.dinkytown.net/java/SimpleLoan.html

Monthly payment 금액에 따라 약간 차이가 있을수 있습니다.
========================
Monthly payment $235.58
Loan amount $7,529
Interest rate 7.900%
Term 36 months
Total of payments $8,481.05
Total interest paid $952.05
===========================

Payment schedule

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# Payment,Prinpal,Interest,Loan balance

---

$7,529
1 $235.58 $186.01 $49.57 $7,342.99
2 $235.58 $187.24 $48.34 $7,155.75
3 $235.58 $188.47 $47.11 $6,967.28
4 $235.58 $189.71 $45.87 $6,777.57
5 $235.58 $190.96 $44.62 $6,586.61
6 $235.58 $192.22 $43.36 $6,394.39
7 $235.58 $193.48 $42.10 $6,200.91
8 $235.58 $194.76 $40.82 $6,006.15
9 $235.58 $196.04 $39.54 $5,810.11
10 $235.58 $197.33 $38.25 $5,612.78
11 $235.58 $198.63 $36.95 $5,414.15
12 $235.58 $199.94 $35.64 $5,214.21
13 $235.58 $201.25 $34.33 $5,012.96
14 $235.58 $202.58 $33.00 $4,810.38
15 $235.58 $203.91 $31.67 $4,606.47
16 $235.58 $205.25 $30.33 $4,401.22
17 $235.58 $206.61 $28.97 $4,194.61
18 $235.58 $207.97 $27.61 $3,986.64
19 $235.58 $209.33 $26.25 $3,777.31
20 $235.58 $210.71 $24.87 $3,566.60
21 $235.58 $212.10 $23.48 $3,354.50
22 $235.58 $213.50 $22.08 $3,141.00
23 $235.58 $214.90 $20.68 $2,926.10
24 $235.58 $216.32 $19.26 $2,709.78
25 $235.58 $217.74 $17.84 $2,492.04
26 $235.58 $219.17 $16.41 $2,272.87
27 $235.58 $220.62 $14.96 $2,052.25
28 $235.58 $222.07 $13.51 $1,830.18
29 $235.58 $223.53 $12.05 $1,606.65
30 $235.58 $225.00 $10.58 $1,381.65
31 $235.58 $226.48 $9.10 $1,155.17
32 $235.58 $227.98 $7.60 $927.19
33 $235.58 $229.48 $6.10 $697.71
34 $235.58 $230.99 $4.59 $466.72
35 $235.58 $232.51 $3.07 $234.21
36 $235.75 $234.21 $1.54 $0.00
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