贷款摊销计算器 — 公式
## How Loan Amortization Works
Amortization is the process of spreading loan payments over time. Each payment covers interest on the remaining balance plus a portion of the principal.
### Formula
**Monthly Payment: M = P * [r(1+r)^n] / [(1+r)^n - 1]**
For each payment:
- **Interest portion** = Remaining balance * monthly rate
- **Principal portion** = Monthly payment - interest portion
Early payments are mostly interest; later payments are mostly principal.
Amortization is the process of spreading loan payments over time. Each payment covers interest on the remaining balance plus a portion of the principal.
### Formula
**Monthly Payment: M = P * [r(1+r)^n] / [(1+r)^n - 1]**
For each payment:
- **Interest portion** = Remaining balance * monthly rate
- **Principal portion** = Monthly payment - interest portion
Early payments are mostly interest; later payments are mostly principal.
计算示例
A $200,000 loan at 6% interest for 30 years.
- Monthly rate: 6% / 12 = 0.5% (0.005)
- Total payments: 30 * 12 = 360
- Monthly payment = $200,000 * [0.005 * (1.005)^360] / [(1.005)^360 - 1] = $1,199.10
- First month interest: $200,000 * 0.005 = $1,000.00
- First month principal: $1,199.10 - $1,000.00 = $199.10
- Total paid: $1,199.10 * 360 = $431,676.00
- Total interest: $431,676.00 - $200,000 = $231,676.00