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The detailed guide below is currently available in English.
Three ways to structure a loan
An amortized loan is repaid through equal periodic payments that cover interest plus principal, like a car or personal loan. A deferred payment loan makes no payments until maturity, when the full balance plus compounded interest comes due. A bond works in reverse: you lend an amount today and receive one predetermined payment at maturity, so what you should pay today is that amount discounted back to the present.
How compounding and payback interact
The stated rate is a nominal annual figure tied to its compounding frequency. The calculator converts it to a rate per payment period: for example, 6% compounded monthly (APR) pays 0.5% per month, while 6% compounded annually (APY) earns the equivalent of about 0.4868% per month. Choosing a payback schedule that is slower than compounding means interest builds up between payments, which raises the cost of the loan.
よくある質問
What kinds of loans can I model here?
Any fixed-rate installment loan — personal, student, business, boat, or RV — using the amortized tab. The deferred and bond tabs cover single-payment structures such as zero-coupon bonds or bridge loans due at maturity.
Does the payment include fees or insurance?
No. The result covers principal and interest only. If a lender rolls origination fees into the balance, add them to the loan amount so they are financed and amortized too.
Why does a longer term cost more overall?
A longer term lowers each payment but stretches interest over more payments, so the total interest paid grows. The summary rows show that tradeoff directly.