Kredit Calculator

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Loan Amount

$/€/£

Interest rate

Loan term

months

Grace Period

months

Grace Period is needed to calculate 'Fixed Payment Loan after Grace Period' Interest Calculation Result.

Loan repayment comparison
	Principal	Interest	Payments
Equal Payment Loan	10,000	102	10,102
Fixed Payment Loan	10,000	102	10,102
Fixed Payment Loan after Grace Period	10,000	151	10,151
Balloon Payment Loan	10,000	192	10,192

Equal Payment Loan Interest Calculation Result

Equal Payment Loan(=Installment loan, Amortizing Loan, Even Principal Payment Loan, Fixed Principal Payment Loan, Equal Principal Payment Loan, Decreasing Loan) in which the monthly payments are applied first toward reducing the interest balance, and any remaining sum towards the principal balance. The loan balance and interest gradually decrease as you make interest and principal payments on the Equal Payment Loan loan. If you borrow $(€/£) 10,000 at 2% over 12 months using 'the Equal Payment Loan', your total loan repayment schedule is as follow :

NO.	Principal	Interest	Payments	Balance
1	833	17	850	9,167
2	833	15	849	8,333
3	833	14	847	7,500
4	833	13	846	6,667
5	833	11	844	5,833
6	833	10	843	5,000
7	833	8	842	4,167
8	833	7	840	3,333
9	833	6	839	2,500
10	833	4	838	1,667
11	833	3	836	833
12	833	1	835	0
Total	10,000	102	10,102	0

Fixed Payment Loan Interest Calculation Result

Fixed Payment Loan(=Even Total Payment, Fixed Total Payment, Equal Total Payment, Constant) is comprised of a decreasing interest payment and an increasing principal payment. So the payments which you have to repay are always same. If you borrow $(€/£) 10,000 at 2% over 12 months using 'the Fixed Payment Loan', your total loan repayment schedule is as follow :

NO.	Principal	Interest	Payments	Balance
1	826	17	842	9,174
2	827	15	842	8,347
3	828	14	842	7,519
4	830	13	842	6,689
5	831	11	842	5,858
6	833	10	842	5,025
7	834	8	842	4,191
8	835	7	842	3,356
9	837	6	842	2,519
10	838	4	842	1,681
11	840	3	842	841
12	841	1	842	0
Total	10,000	102	10,102	0

Fixed Payment Loan after Grace Period Interest Calculation Result

Fixed Payment Loan after Grace Period(=Even Total Payment Loan after Grace Period) is same as Fixed Payment Loan basically. But 'Fixed Payment Loan after Grace Period' has 'Waiting Period' is known as a 'Grace Period'. So if you use Fixed Payment Loan, you do not have to start repaying your loans(principal) right away. (You have to pay interest only or nothing during a period of grace.) If you borrow $(€/£) 10,000 at 2% over 12 months using 'the Fixed Payment Loan after Grace Period', your total loan repayment schedule is as follow :

NO.	Principal	Interest	Payments	Balance
1	0	17	17	10,000
2	0	17	17	10,000
3	0	17	17	10,000
4	0	17	17	10,000
5	0	17	17	10,000
6	0	17	17	10,000
7	1,660	17	1,676	8,340
8	1,663	14	1,676	6,678
9	1,665	11	1,676	5,012
10	1,668	8	1,676	3,344
11	1,671	6	1,676	1,674
12	1,674	3	1,676	0
Total	10,000	151	10,151	0

Balloon Payment Loan Interest Calculation Result

A Balloon Payment Loan(=Interest-only Loan) is a loan which does not fully amortize over the term of the note, thus leaving a balance due at maturity. The final payment is called a balloon payment because of its large size. A balloon payment loan may have a fixed or a floating interest rate. If you borrow $(€/£) 10,000 at 2% over 12 months using 'the Balloon Payment Loan', your total loan repayment schedule is as follow :

NO.	Principal	Interest	Payments	Balance
1	0	17	17	10,000
2	0	17	17	10,000
3	0	17	17	10,000
4	0	17	17	10,000
5	0	17	17	10,000
6	0	17	17	10,000
7	0	17	17	10,000
8	0	17	17	10,000
9	0	17	17	10,000
10	0	17	17	10,000
11	0	17	17	10,000
12	10,000	17	10,017	0
Total	10,000	192	10,192	0

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