Loan calculator 25000-365-12.96-0-0-0-0-0-0-0
Calculate your cash loan repayments 25000-365-12.96-0-0-0-0-0-0-0
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 2 349,63 to 2 105,53
2 232,46
Interest expenses on the loan
1 755,00
1 789,55
Loan overpayment
1 755,00
1 789,55
Effective rate
12,96 %
13,22 %
Classic loan repayment schedule
Month
Loan debt
% + monthly commissions
Main debt
Amount of payment
1
Loan debt
22 916,67
% + monthly commissions
266,30
Main debt
2 083,33
Amount of payment
2 349,63
2
Loan debt
20 833,33
% + monthly commissions
244,11
Main debt
2 083,33
Amount of payment
2 327,44
3
Loan debt
18 750,00
% + monthly commissions
221,92
Main debt
2 083,33
Amount of payment
2 305,25
4
Loan debt
16 666,67
% + monthly commissions
199,73
Main debt
2 083,33
Amount of payment
2 283,06
5
Loan debt
14 583,33
% + monthly commissions
177,53
Main debt
2 083,33
Amount of payment
2 260,87
6
Loan debt
12 500,00
% + monthly commissions
155,34
Main debt
2 083,33
Amount of payment
2 238,68
7
Loan debt
10 416,67
% + monthly commissions
133,15
Main debt
2 083,33
Amount of payment
2 216,48
8
Loan debt
8 333,33
% + monthly commissions
110,96
Main debt
2 083,33
Amount of payment
2 194,29
9
Loan debt
6 250,00
% + monthly commissions
88,77
Main debt
2 083,33
Amount of payment
2 172,10
10
Loan debt
4 166,67
% + monthly commissions
66,58
Main debt
2 083,33
Amount of payment
2 149,91
11
Loan debt
2 083,33
% + monthly commissions
44,38
Main debt
2 083,33
Amount of payment
2 127,72
12
Loan debt
0,00
% + monthly commissions
22,19
Main debt
2 083,33
Amount of payment
2 105,53
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 12,96% per annum, and the loan duration is 12 months.
Repayment Schemes and Monthly Payments
The classic repayment scheme starts with a maximum monthly payment of 2 349,63, which gradually decreases to a minimum monthly payment of 2 105,53 by the end of the loan term.
The annuity repayment scheme has fixed monthly payments of 2 232,46, which simplifies budgeting over the loan period.
Interest and Overpayment
Total interest expenses under the classic scheme amount to 1 755,00 (in currency), while under the annuity scheme, they amount to 1 789,55.
Total overpayment (amount paid in addition to the borrowed principal) is 1 755,00 for the classic scheme and 1 789,55 for the annuity scheme.
Effective Rate
The effective interest rate (APR), including commissions and fees, is 12,96% for the classic scheme and 13,22% 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.
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 (2 349,63) and gradually decreases to 2 105,53. 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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