Loan calculator 25000-2556-6.99-0-0-0-0-0-0-0
Calculate your cash loan repayments 25000-2556-6.99-0-0-0-0-0-0-0
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 437,75 to 295,81
373,75
Interest expenses on the loan
6 261,88
6 768,99
Loan overpayment
6 261,88
6 768,99
Effective rate
6,99 %
7,56 %
Classic loan repayment schedule
Month
Loan debt
% + monthly commissions
Main debt
Amount of payment
1
Loan debt
24 705,88
% + monthly commissions
143,63
Main debt
294,12
Amount of payment
437,75
2
Loan debt
24 411,76
% + monthly commissions
141,94
Main debt
294,12
Amount of payment
436,06
3
Loan debt
24 117,65
% + monthly commissions
140,25
Main debt
294,12
Amount of payment
434,37
4
Loan debt
23 823,53
% + monthly commissions
138,56
Main debt
294,12
Amount of payment
432,68
5
Loan debt
23 529,41
% + monthly commissions
136,87
Main debt
294,12
Amount of payment
430,99
6
Loan debt
23 235,29
% + monthly commissions
135,18
Main debt
294,12
Amount of payment
429,30
7
Loan debt
22 941,18
% + monthly commissions
133,49
Main debt
294,12
Amount of payment
427,61
8
Loan debt
22 647,06
% + monthly commissions
131,80
Main debt
294,12
Amount of payment
425,92
9
Loan debt
22 352,94
% + monthly commissions
130,11
Main debt
294,12
Amount of payment
424,23
10
Loan debt
22 058,82
% + monthly commissions
128,42
Main debt
294,12
Amount of payment
422,54
11
Loan debt
21 764,71
% + monthly commissions
126,73
Main debt
294,12
Amount of payment
420,85
12
Loan debt
21 470,59
% + monthly commissions
125,04
Main debt
294,12
Amount of payment
419,16
13
Loan debt
21 176,47
% + monthly commissions
123,35
Main debt
294,12
Amount of payment
417,47
14
Loan debt
20 882,35
% + monthly commissions
121,66
Main debt
294,12
Amount of payment
415,78
15
Loan debt
20 588,24
% + monthly commissions
119,97
Main debt
294,12
Amount of payment
414,09
16
Loan debt
20 294,12
% + monthly commissions
118,28
Main debt
294,12
Amount of payment
412,40
17
Loan debt
20 000,00
% + monthly commissions
116,59
Main debt
294,12
Amount of payment
410,71
18
Loan debt
19 705,88
% + monthly commissions
114,90
Main debt
294,12
Amount of payment
409,02
19
Loan debt
19 411,76
% + monthly commissions
113,21
Main debt
294,12
Amount of payment
407,33
20
Loan debt
19 117,65
% + monthly commissions
111,52
Main debt
294,12
Amount of payment
405,64
21
Loan debt
18 823,53
% + monthly commissions
109,83
Main debt
294,12
Amount of payment
403,95
22
Loan debt
18 529,41
% + monthly commissions
108,15
Main debt
294,12
Amount of payment
402,26
23
Loan debt
18 235,29
% + monthly commissions
106,46
Main debt
294,12
Amount of payment
400,57
24
Loan debt
17 941,18
% + monthly commissions
104,77
Main debt
294,12
Amount of payment
398,88
25
Loan debt
17 647,06
% + monthly commissions
103,08
Main debt
294,12
Amount of payment
397,19
26
Loan debt
17 352,94
% + monthly commissions
101,39
Main debt
294,12
Amount of payment
395,50
27
Loan debt
17 058,82
% + monthly commissions
99,70
Main debt
294,12
Amount of payment
393,81
28
Loan debt
16 764,71
% + monthly commissions
98,01
Main debt
294,12
Amount of payment
392,12
29
Loan debt
16 470,59
% + monthly commissions
96,32
Main debt
294,12
Amount of payment
390,43
30
Loan debt
16 176,47
% + monthly commissions
94,63
Main debt
294,12
Amount of payment
388,74
31
Loan debt
15 882,35
% + monthly commissions
92,94
Main debt
294,12
Amount of payment
387,05
32
Loan debt
15 588,24
% + monthly commissions
91,25
Main debt
294,12
Amount of payment
385,37
33
Loan debt
15 294,12
% + monthly commissions
89,56
Main debt
294,12
Amount of payment
383,68
34
Loan debt
15 000,00
% + monthly commissions
87,87
Main debt
294,12
Amount of payment
381,99
35
Loan debt
14 705,88
% + monthly commissions
86,18
Main debt
294,12
Amount of payment
380,30
36
Loan debt
14 411,76
% + monthly commissions
84,49
Main debt
294,12
Amount of payment
378,61
37
Loan debt
14 117,65
% + monthly commissions
82,80
Main debt
294,12
Amount of payment
376,92
38
Loan debt
13 823,53
% + monthly commissions
81,11
Main debt
294,12
Amount of payment
375,23
39
Loan debt
13 529,41
% + monthly commissions
79,42
Main debt
294,12
Amount of payment
373,54
40
Loan debt
13 235,29
% + monthly commissions
77,73
Main debt
294,12
Amount of payment
371,85
41
Loan debt
12 941,18
% + monthly commissions
76,04
Main debt
294,12
Amount of payment
370,16
42
Loan debt
12 647,06
% + monthly commissions
74,35
Main debt
294,12
Amount of payment
368,47
43
Loan debt
12 352,94
% + monthly commissions
72,66
Main debt
294,12
Amount of payment
366,78
44
Loan debt
12 058,82
% + monthly commissions
70,97
Main debt
294,12
Amount of payment
365,09
45
Loan debt
11 764,71
% + monthly commissions
69,28
Main debt
294,12
Amount of payment
363,40
46
Loan debt
11 470,59
% + monthly commissions
67,59
Main debt
294,12
Amount of payment
361,71
47
Loan debt
11 176,47
% + monthly commissions
65,90
Main debt
294,12
Amount of payment
360,02
48
Loan debt
10 882,35
% + monthly commissions
64,21
Main debt
294,12
Amount of payment
358,33
49
Loan debt
10 588,24
% + monthly commissions
62,52
Main debt
294,12
Amount of payment
356,64
50
Loan debt
10 294,12
% + monthly commissions
60,83
Main debt
294,12
Amount of payment
354,95
51
Loan debt
10 000,00
% + monthly commissions
59,14
Main debt
294,12
Amount of payment
353,26
52
Loan debt
9 705,88
% + monthly commissions
57,45
Main debt
294,12
Amount of payment
351,57
53
Loan debt
9 411,76
% + monthly commissions
55,76
Main debt
294,12
Amount of payment
349,88
54
Loan debt
9 117,65
% + monthly commissions
54,07
Main debt
294,12
Amount of payment
348,19
55
Loan debt
8 823,53
% + monthly commissions
52,38
Main debt
294,12
Amount of payment
346,50
56
Loan debt
8 529,41
% + monthly commissions
50,69
Main debt
294,12
Amount of payment
344,81
57
Loan debt
8 235,29
% + monthly commissions
49,00
Main debt
294,12
Amount of payment
343,12
58
Loan debt
7 941,18
% + monthly commissions
47,31
Main debt
294,12
Amount of payment
341,43
59
Loan debt
7 647,06
% + monthly commissions
45,62
Main debt
294,12
Amount of payment
339,74
60
Loan debt
7 352,94
% + monthly commissions
43,93
Main debt
294,12
Amount of payment
338,05
61
Loan debt
7 058,82
% + monthly commissions
42,24
Main debt
294,12
Amount of payment
336,36
62
Loan debt
6 764,71
% + monthly commissions
40,55
Main debt
294,12
Amount of payment
334,67
63
Loan debt
6 470,59
% + monthly commissions
38,86
Main debt
294,12
Amount of payment
332,98
64
Loan debt
6 176,47
% + monthly commissions
37,17
Main debt
294,12
Amount of payment
331,29
65
Loan debt
5 882,35
% + monthly commissions
35,49
Main debt
294,12
Amount of payment
329,60
66
Loan debt
5 588,24
% + monthly commissions
33,80
Main debt
294,12
Amount of payment
327,91
67
Loan debt
5 294,12
% + monthly commissions
32,11
Main debt
294,12
Amount of payment
326,22
68
Loan debt
5 000,00
% + monthly commissions
30,42
Main debt
294,12
Amount of payment
324,53
69
Loan debt
4 705,88
% + monthly commissions
28,73
Main debt
294,12
Amount of payment
322,84
70
Loan debt
4 411,76
% + monthly commissions
27,04
Main debt
294,12
Amount of payment
321,15
71
Loan debt
4 117,65
% + monthly commissions
25,35
Main debt
294,12
Amount of payment
319,46
72
Loan debt
3 823,53
% + monthly commissions
23,66
Main debt
294,12
Amount of payment
317,77
73
Loan debt
3 529,41
% + monthly commissions
21,97
Main debt
294,12
Amount of payment
316,08
74
Loan debt
3 235,29
% + monthly commissions
20,28
Main debt
294,12
Amount of payment
314,39
75
Loan debt
2 941,18
% + monthly commissions
18,59
Main debt
294,12
Amount of payment
312,71
76
Loan debt
2 647,06
% + monthly commissions
16,90
Main debt
294,12
Amount of payment
311,02
77
Loan debt
2 352,94
% + monthly commissions
15,21
Main debt
294,12
Amount of payment
309,33
78
Loan debt
2 058,82
% + monthly commissions
13,52
Main debt
294,12
Amount of payment
307,64
79
Loan debt
1 764,71
% + monthly commissions
11,83
Main debt
294,12
Amount of payment
305,95
80
Loan debt
1 470,59
% + monthly commissions
10,14
Main debt
294,12
Amount of payment
304,26
81
Loan debt
1 176,47
% + monthly commissions
8,45
Main debt
294,12
Amount of payment
302,57
82
Loan debt
882,35
% + monthly commissions
6,76
Main debt
294,12
Amount of payment
300,88
83
Loan debt
588,24
% + monthly commissions
5,07
Main debt
294,12
Amount of payment
299,19
84
Loan debt
294,12
% + monthly commissions
3,38
Main debt
294,12
Amount of payment
297,50
85
Loan debt
0,00
% + monthly commissions
1,69
Main debt
294,12
Amount of payment
295,81
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 6,99% per annum, and the loan duration is 85 months.
Repayment Schemes and Monthly Payments
The classic repayment scheme starts with a maximum monthly payment of 437,75, which gradually decreases to a minimum monthly payment of 295,81 by the end of the loan term.
The annuity repayment scheme has fixed monthly payments of 373,75, which simplifies budgeting over the loan period.
Interest and Overpayment
Total interest expenses under the classic scheme amount to 6 261,88 (in currency), while under the annuity scheme, they amount to 6 768,99.
Total overpayment (amount paid in addition to the borrowed principal) is 6 261,88 for the classic scheme and 6 768,99 for the annuity scheme.
Effective Rate
The effective interest rate (APR), including commissions and fees, is 6,99% for the classic scheme and 7,56% 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 (437,75) and gradually decreases to 295,81. 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.
Video Guide
