商业贷款计算器 — 公式
## How to Calculate Business Loan Payments
### Formula
**M = P x [r(1+r)^n] / [(1+r)^n - 1]**
Where:
- **M** = Monthly payment
- **P** = Loan principal
- **r** = Monthly interest rate (annual rate / 12 / 100)
- **n** = Total number of payments (years x 12)
This standard amortization formula calculates equal monthly payments that cover both principal and interest over the loan term.
### Formula
**M = P x [r(1+r)^n] / [(1+r)^n - 1]**
Where:
- **M** = Monthly payment
- **P** = Loan principal
- **r** = Monthly interest rate (annual rate / 12 / 100)
- **n** = Total number of payments (years x 12)
This standard amortization formula calculates equal monthly payments that cover both principal and interest over the loan term.
计算示例
A $100,000 business loan at 8% annual interest for 5 years.
- Monthly rate = 8% / 12 = 0.6667% (0.006667)
- Total payments = 5 x 12 = 60
- Monthly payment = $100,000 x [0.006667 x (1.006667)^60] / [(1.006667)^60 - 1]
- Monthly payment = $2,027.64
- Total paid = $2,027.64 x 60 = $121,658.40
- Total interest = $121,658.40 - $100,000 = $21,658.40