Loan calculator 25000-1825-6.09-0-0-0-0-0-0-0
Calculate your cash loan repayments 25000-1825-6.09-0-0-0-0-0-0-0
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.
An initial fee
0,00
Credit amount
25 000,00
One-time commission expenses
0,00
Other commission expenses (monthly and annual) for the whole period
0,00
Calculate monthly payment and overpayment
Classic
Annuity
Monthly payment
from 534,97 to 411,89
477,57
Interest expenses on the loan
3 933,13
4 131,91
Loan overpayment
3 933,13
4 131,91
Effective rate
6,09 %
6,40 %
Classic loan repayment schedule
Month
Loan debt
% + monthly commissions
Main debt
Amount of payment
1
Loan debt
24 590,16
% + monthly commissions
125,14
Main debt
409,84
Amount of payment
534,97
2
Loan debt
24 180,33
% + monthly commissions
123,09
Main debt
409,84
Amount of payment
532,92
3
Loan debt
23 770,49
% + monthly commissions
121,03
Main debt
409,84
Amount of payment
530,87
4
Loan debt
23 360,66
% + monthly commissions
118,98
Main debt
409,84
Amount of payment
528,82
5
Loan debt
22 950,82
% + monthly commissions
116,93
Main debt
409,84
Amount of payment
526,77
6
Loan debt
22 540,98
% + monthly commissions
114,88
Main debt
409,84
Amount of payment
524,72
7
Loan debt
22 131,15
% + monthly commissions
112,83
Main debt
409,84
Amount of payment
522,66
8
Loan debt
21 721,31
% + monthly commissions
110,78
Main debt
409,84
Amount of payment
520,61
9
Loan debt
21 311,48
% + monthly commissions
108,73
Main debt
409,84
Amount of payment
518,56
10
Loan debt
20 901,64
% + monthly commissions
106,67
Main debt
409,84
Amount of payment
516,51
11
Loan debt
20 491,80
% + monthly commissions
104,62
Main debt
409,84
Amount of payment
514,46
12
Loan debt
20 081,97
% + monthly commissions
102,57
Main debt
409,84
Amount of payment
512,41
13
Loan debt
19 672,13
% + monthly commissions
100,52
Main debt
409,84
Amount of payment
510,36
14
Loan debt
19 262,30
% + monthly commissions
98,47
Main debt
409,84
Amount of payment
508,30
15
Loan debt
18 852,46
% + monthly commissions
96,42
Main debt
409,84
Amount of payment
506,25
16
Loan debt
18 442,62
% + monthly commissions
94,37
Main debt
409,84
Amount of payment
504,20
17
Loan debt
18 032,79
% + monthly commissions
92,31
Main debt
409,84
Amount of payment
502,15
18
Loan debt
17 622,95
% + monthly commissions
90,26
Main debt
409,84
Amount of payment
500,10
19
Loan debt
17 213,11
% + monthly commissions
88,21
Main debt
409,84
Amount of payment
498,05
20
Loan debt
16 803,28
% + monthly commissions
86,16
Main debt
409,84
Amount of payment
496,00
21
Loan debt
16 393,44
% + monthly commissions
84,11
Main debt
409,84
Amount of payment
493,94
22
Loan debt
15 983,61
% + monthly commissions
82,06
Main debt
409,84
Amount of payment
491,89
23
Loan debt
15 573,77
% + monthly commissions
80,01
Main debt
409,84
Amount of payment
489,84
24
Loan debt
15 163,93
% + monthly commissions
77,95
Main debt
409,84
Amount of payment
487,79
25
Loan debt
14 754,10
% + monthly commissions
75,90
Main debt
409,84
Amount of payment
485,74
26
Loan debt
14 344,26
% + monthly commissions
73,85
Main debt
409,84
Amount of payment
483,69
27
Loan debt
13 934,43
% + monthly commissions
71,80
Main debt
409,84
Amount of payment
481,64
28
Loan debt
13 524,59
% + monthly commissions
69,75
Main debt
409,84
Amount of payment
479,58
29
Loan debt
13 114,75
% + monthly commissions
67,70
Main debt
409,84
Amount of payment
477,53
30
Loan debt
12 704,92
% + monthly commissions
65,65
Main debt
409,84
Amount of payment
475,48
31
Loan debt
12 295,08
% + monthly commissions
63,59
Main debt
409,84
Amount of payment
473,43
32
Loan debt
11 885,25
% + monthly commissions
61,54
Main debt
409,84
Amount of payment
471,38
33
Loan debt
11 475,41
% + monthly commissions
59,49
Main debt
409,84
Amount of payment
469,33
34
Loan debt
11 065,57
% + monthly commissions
57,44
Main debt
409,84
Amount of payment
467,28
35
Loan debt
10 655,74
% + monthly commissions
55,39
Main debt
409,84
Amount of payment
465,22
36
Loan debt
10 245,90
% + monthly commissions
53,34
Main debt
409,84
Amount of payment
463,17
37
Loan debt
9 836,07
% + monthly commissions
51,29
Main debt
409,84
Amount of payment
461,12
38
Loan debt
9 426,23
% + monthly commissions
49,23
Main debt
409,84
Amount of payment
459,07
39
Loan debt
9 016,39
% + monthly commissions
47,18
Main debt
409,84
Amount of payment
457,02
40
Loan debt
8 606,56
% + monthly commissions
45,13
Main debt
409,84
Amount of payment
454,97
41
Loan debt
8 196,72
% + monthly commissions
43,08
Main debt
409,84
Amount of payment
452,92
42
Loan debt
7 786,89
% + monthly commissions
41,03
Main debt
409,84
Amount of payment
450,86
43
Loan debt
7 377,05
% + monthly commissions
38,98
Main debt
409,84
Amount of payment
448,81
44
Loan debt
6 967,21
% + monthly commissions
36,93
Main debt
409,84
Amount of payment
446,76
45
Loan debt
6 557,38
% + monthly commissions
34,87
Main debt
409,84
Amount of payment
444,71
46
Loan debt
6 147,54
% + monthly commissions
32,82
Main debt
409,84
Amount of payment
442,66
47
Loan debt
5 737,70
% + monthly commissions
30,77
Main debt
409,84
Amount of payment
440,61
48
Loan debt
5 327,87
% + monthly commissions
28,72
Main debt
409,84
Amount of payment
438,56
49
Loan debt
4 918,03
% + monthly commissions
26,67
Main debt
409,84
Amount of payment
436,50
50
Loan debt
4 508,20
% + monthly commissions
24,62
Main debt
409,84
Amount of payment
434,45
51
Loan debt
4 098,36
% + monthly commissions
22,57
Main debt
409,84
Amount of payment
432,40
52
Loan debt
3 688,52
% + monthly commissions
20,51
Main debt
409,84
Amount of payment
430,35
53
Loan debt
3 278,69
% + monthly commissions
18,46
Main debt
409,84
Amount of payment
428,30
54
Loan debt
2 868,85
% + monthly commissions
16,41
Main debt
409,84
Amount of payment
426,25
55
Loan debt
2 459,02
% + monthly commissions
14,36
Main debt
409,84
Amount of payment
424,20
56
Loan debt
2 049,18
% + monthly commissions
12,31
Main debt
409,84
Amount of payment
422,14
57
Loan debt
1 639,34
% + monthly commissions
10,26
Main debt
409,84
Amount of payment
420,09
58
Loan debt
1 229,51
% + monthly commissions
8,21
Main debt
409,84
Amount of payment
418,04
59
Loan debt
819,67
% + monthly commissions
6,15
Main debt
409,84
Amount of payment
415,99
60
Loan debt
409,84
% + monthly commissions
4,10
Main debt
409,84
Amount of payment
413,94
61
Loan debt
0,00
% + monthly commissions
2,05
Main debt
409,84
Amount of payment
411,89
Comment on the Calculation
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 25 000,00. One-time commission fees are 0,00, and monthly and annual commission expenses also amount to 0,00. The nominal interest rate is 6,09% per annum, and the loan duration is 61 months.
Repayment Schemes and Monthly Payments
The classic repayment scheme starts with a maximum monthly payment of 534,97, which gradually decreases to a minimum monthly payment of 411,89 by the end of the loan term.
The annuity repayment scheme has fixed monthly payments of 477,57, which simplifies budgeting over the loan period.
Interest and Overpayment
Total interest expenses under the classic scheme amount to 3 933,13 (in currency), while under the annuity scheme, they amount to 4 131,91.
Total overpayment (amount paid in addition to the borrowed principal) is 3 933,13 for the classic scheme and 4 131,91 for the annuity scheme.
Effective Rate
The effective interest rate (APR), including commissions and fees, is 6,09% for the classic scheme and 6,40% 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.
Recommendations Based on Your Loan Calculation
- Your overpayment is moderate, which indicates reasonable loan terms.
- The classic repayment scheme starts with a higher monthly payment (534,97) and gradually decreases to 411,89. If your budget allows, this can save you interest over time.
- Always review the detailed repayment schedule to understand how your principal and interest payments change month by month.
- If possible, make additional payments toward the principal to reduce total interest and shorten the loan term.
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