Home load amount: $250,000 Down Payment: 20% Loan Term: 30 years Interest Rate: 4.5% Loan Fees: $1500
Online calculator returns the following: ( https://www.calculator.net/apr- calculator.html ) Real ARP: 4.564% Down Payment: $50,000 Monthly Pay: $1,013.37 Total of 360 Payments:$364.813.42
如果不用这个online calculator, how to write a formula to calculator ARP in order to get the 4.564%
Home load amount: $250,000
Down Payment: 20%
Loan Term: 30 years
Interest Rate: 4.5%
Loan Fees: $1500
Online calculator returns the following: ( https://www.calculator.net/apr-
calculator.html )
Real ARP: 4.564%
Down Payment: $50,000
Monthly Pay: $1,013.37
Total of 360 Payments:$364.813.42
如果不用这个online calculator, how to write a formula to calculator ARP in
order to get the 4.564%
感谢回复！！
APR没有直接的公式,直接计算都是用试差法获得的。
PMT = PV * r / (1 - (1+r)^(-N))
首先用借款现值 PV = 200,000 (80% of 250,000), N = 12 * 30, r0=名义APR/12，
计算每月付款值 PMT
PV = 200,000
N = 360
r0 = 0.375%
PMT = 1013.37
因为1500的收费， 所以实际到手借款值不是 200，000， 而是 198，500。 用PV' =
185，000代入公式，反算月利率r'。 实际APR就是12*r'
PV = 198,500
N = 360
PMT = 1013.37
r'= 0.3803599%
实际APR = 4.5643%