Loan Calculator
Calculate monthly payments and total interest for bullet, equal installment, equal principal, and graduated payment loans
대출 정보 입력
10년=120개월 · 20년=240개월 · 30년=360개월
About Loan Calculator
This loan calculator supports four repayment methods: bullet (interest-only until maturity), equal installment (same total payment each month), equal principal (same principal each month with decreasing interest), and graduated payment (increasing payments over time). Understanding the differences helps you choose the most cost-effective loan structure for your financial situation.
FAQ
- What is the difference between equal installment and equal principal?
- Equal installment (원리금균등) keeps the monthly payment the same throughout the loan term — easier to budget. Equal principal (원금균등) pays the same principal amount each month, so monthly payments decrease over time, resulting in lower total interest paid.
- Which repayment method has the lowest total interest?
- Equal principal (원금균등) typically results in the lowest total interest paid, followed by equal installment, then graduated, and finally bullet repayment (highest total interest).
- What is a graduated payment (체증식) loan?
- A graduated payment loan starts with lower monthly payments that increase over time, usually annually. It is suitable for borrowers who expect their income to grow over the loan period.
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