Calculadora de pagamento de empréstimos

Calculadora de pagamento de empréstimos

Crédito
6 minutos

Uma calculadora de pagamento de empréstimo é uma ferramenta usada para calcular o valor das parcelas mensais a pagar por um determinado valor de empréstimo.

A Calculadora de pagamento de empréstimos is a tool used to calculate the amount of monthly installments payable for a given loan amount. This calculator allows the user to create a loan payment plan and compare different scenarios for the loan.

Ao usar o online Calculadora de pagamento de empréstimos, you can calculate the payment amount by entering: loan amount, interest rate, number of years and rate of interest compounded.

 

Montante do empréstimo
$
Taxa de juro
%
Número de anos
Taxa de juros composta
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    How is Loan Payment Calculated? Using Our Calculadora de pagamento de empréstimos

    Loan repayment refers to the calculation of the amount to be repaid when a loan is taken out. The loan repayment is usually made in monthly installments, which include the principal and the amount of interest to be paid. Our Calculadora de pagamento de empréstimos automates this calculation. The following information is needed by the calculator:

    1. Valor do empréstimo (P): Refere-se ao valor emprestado. Geralmente esse é o valor inicial do empréstimo.
    2. Taxa de juros (r): The annual interest rate applied to the loan . This rate determines the amount of interest to be paid on the amount borrowed over a given period (usually a year).
    3. Período de Maturidade (n): O período total durante o qual o empréstimo será reembolsado. Isso geralmente é expresso em meses. Por exemplo, 36 meses ou 60 meses.
    4. Rate of Interest Compounded: How often the interest is calculated and added to the principal

    The following formula is usually used to calculate the loan repayment, and our Calculadora de pagamento de empréstimos implements this:

    \text{Monthly Installment Amount} = \frac{P \times \frac{\text{Annual Interest Rate}}{12} \times (1 + \frac{\text{Annual Interest Rate}}{12})^n}{(1 + \frac{\text{Annual Interest Rate}}{12})^n - 1}

    Nesta fórmula, conforme usada pelo Calculadora de pagamento de empréstimos:

    • Valor da parcela mensal: representa o valor a ser pago a cada mês.
    • P: representa o valor do empréstimo.
    • Annual Interest Rate: refers to the annual interest rate.
    • n: refers to the maturity period of the loan in months.

    Using this formula, our Calculadora de pagamento de empréstimos determines the monthly installment amount to be paid when the loan is taken out. Be aware that different compounding frequencies selected in the calculator will slightly alter the effective interest rate and thus the monthly payment. For more related calculator Clique aqui.

    O que é um empréstimo?

    A loan is the process by which a lender (bank, financial institution, etc.) lends a certain amount of money to a borrower or borrowing person or organization. The loan usually has a specific maturity period and interest rate, and the borrower or borrower undertakes to repay this money within a certain period of time in accordance with the terms set by the lender. Our Calculadora de pagamento de empréstimos helps you understand the financial implications of these terms.

    O crédito geralmente é dividido em duas categorias principais:

    1. Empréstimo pessoal: Loans taken out by individuals to meet their personal needs or to be used for a specific purpose. For example, there are various types of personal loans such as housing loans, car loans, education loans, consumer loans, etc. The Calculadora de pagamento de empréstimos can be used for any of these.
    2. Crédito Corporativo: Empréstimos contraídos por empresas para financiar as suas operações, fazer investimentos ou expandir os seus negócios. Os empréstimos corporativos geralmente podem ser divididos em várias categorias, como empréstimos comerciais, empréstimos comerciais e financiamento de projetos.

    No processo de obtenção de um empréstimo, devem ser respeitados a taxa de juros e o cronograma de reembolso definidos pelo credor. Geralmente, são necessários um determinado histórico de crédito e pontuação de crédito para obter um empréstimo. Ao contrair um empréstimo, o mutuário ou a organização compromete-se a reembolsar a dívida do empréstimo durante o período de vencimento especificado, cumprindo os termos e o calendário de pagamentos especificados no contrato de empréstimo. O crédito pode ser utilizado para diversos fins, tanto para pessoas físicas quanto para empresas, como gestão de fluxo de caixa, atendimento de necessidades urgentes ou investimentos. Calculadora de pagamento de empréstimos helps in understanding the repayment obligations.

    Exemplo de cálculo de empréstimo

    You want to buy a new car and are planning to take out a car loan of 50,000 USD. The bank offers you a 3-year (36-month) loan with a 10% annual interest rate, compounded monthly.

    Amount given:

    • Valor do empréstimo (P): 50.000 USD
    • Interest Rate (annual): 10%
    • Number of Years: 3
    • Rate of Interest Compounded: Monthly

    Solução:

    Using the formula with monthly interest rate (10%/12) and number of months (3*12 = 36):

    \text{Monthly Installment Amount} = \frac{50000 \times \frac{0.10}{12} \times (1 + \frac{0.10}{12})^{36}}{(1 + \frac{0.10}{12})^{36} - 1} \text{Monthly Installment Amount} = \frac{50000 \times 0.008333 \times (1.008333)^{36}}{(1.008333)^{36} - 1} \text{Monthly Installment Amount} = \frac{416.67 \times 1.348185}{1.348185 - 1} \text{Monthly Installment Amount} = \frac{561.83}{0.348185}

    Valor da parcela mensal: ≈ 1613.60 USD

    In this case, the monthly installment to be paid will be approximately 1613.60 USD, as calculated by the Calculadora de pagamento de empréstimos.

    Advantages of Making a Loan Calculation with Our Tool

    There are many advantages to using our Calculadora de pagamento de empréstimos:

    • Determinando o Plano de Pagamento: Our calculator clearly shows the estimated monthly payment, helping you understand your repayment obligations.
    • Planejamento Orçamentário: Knowing the monthly installment amount from our calculator allows for effective budget planning.
    • Comparando diferentes cenários: You can easily input different loan amounts, interest rates, and terms into our calculator to compare various loan options.
    • Avaliando a situação financeira: The calculator helps individuals and businesses assess the affordability of a loan and their repayment capacity.
    • Estabeleça metas financeiras: By using the calculator, you can determine how much you can comfortably borrow and plan your finances accordingly to achieve your goals.

    Thanks to these advantages, using our Calculadora de pagamento de empréstimos provides a more informed and solid basis for financial decision-making. It is also important for minimizing potential financial risks and securing the financial future.

    Coisas a considerar no cálculo do empréstimo

    There are some important points to consider when using our Calculadora de pagamento de empréstimos:

    Taxa de juros e custos: Ensure you enter the correct annual interest rate. Remember that the calculator shows the principal and interest payment but might not include other fees. Factor in potential processing fees, insurance premiums, etc., separately.

    Período de Maturidade: Input the loan term accurately in years. The calculator will convert this to the number of payment periods based on the compounding frequency.

    Custos e taxas adicionais: Be aware of any additional costs associated with the loan that are not directly part of the interest calculation in our tool. These will increase the overall cost of borrowing.

    Capacidade de pagamento: Use the calculator to find a monthly payment amount that comfortably fits your budget. Don’t overextend yourself based solely on the calculator’s output for a large loan amount.

    Outras metas financeiras: Consider how the estimated monthly payment from the calculator will impact your ability to achieve other financial goals.

    Flexibilidade e Riscos: The calculator provides a fixed payment schedule. Consider if your loan has any flexibility for extra payments or if there are penalties for early repayment. Also, think about potential financial risks and whether you have a buffer to handle unexpected situations.

    These are important points to consider when using our Calculadora de pagamento de empréstimos to make informed financial decisions.

    Not sure how much you need to borrow? Try our Calculadora do montante do empréstimo to estimate the right loan size for you.