Loan calculator 5000-1095-5.09-0-0-0-0-0-0-0

Use this calculator to quickly and accurately estimate key financial metrics such as monthly payments, loan overpayment, and effective interest rate. Simply enter your loan details—amount, term, interest rate, fees—and get instant results tailored to your specific calculation type.

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This calculator takes into account all key loan parameters to provide accurate monthly payment estimates and total overpayment amounts.

Loan Parameters

The loan includes an initial payment of 0,00, which reduces the principal amount. The total loan amount is 5 000,00. One-time commission fees are 0,00, and monthly and annual commission expenses also amount to 0,00. The nominal interest rate is 5,09% per annum, and the loan duration is 37 months.

Repayment Schemes and Monthly Payments

The classic repayment scheme starts with a maximum monthly payment of 156,05, which gradually decreases to a minimum monthly payment of 135,70 by the end of the loan term.

The annuity repayment scheme has fixed monthly payments of 146,30, which simplifies budgeting over the loan period.

Interest and Overpayment

Total interest expenses under the classic scheme amount to 402,96 (in currency), while under the annuity scheme, they amount to 413,19.

Total overpayment (amount paid in addition to the borrowed principal) is 402,96 for the classic scheme and 413,19 for the annuity scheme.

Effective Rate

The effective interest rate (APR), including commissions and fees, is 5,09% for the classic scheme and 5,22% for the annuity scheme.

Below is a detailed repayment schedule breaking down monthly principal balance, interest and fees, principal repayment, and total monthly payment.

Use this information to plan your finances wisely and choose the repayment plan that best fits your needs.