银行通常是使用有效利率（Effective Rate） 来对你计算利息的。这个原因非常简单，因为我们 1 年有 12 个月，因此有效利率肯定是高于名义利率的。算法 我们使用信用卡的算法来作为例子，因为你的房贷是使用月结算的，通常和信用卡的月账单差不多。假设一张信用卡的 APR 是 20%，基于此利率我们可得出：假设小明在...
文章在住房贷款中，年利率（APR）是评估借贷成本的关键指标，但实际支付的利息会因为采用有效利率（Effective Rate）而高于名义利率（Nominal Rate）。以信用卡为例，尽管APR为20%，但通过复杂的复利计算，如每月或每日计息，实际有效利率可能高达21.94%或22.18%，明显高于APR本身。对于购房者，理解这一点...
The annual percentage rate, or APR, refers to the total cost of your borrowing for a year. It includes the interest you must pay plus any additional fees. All personal loans and credit cards have an APR. Before you sign a credit agreement, lenders must tell you the APR, which they ca...
根据上面的例子,我们会得出结论就是:22.18% (Effective Daily Rate) > 21.94%( Effective Monthly Rate) > 20%(APR, Nominal Rate) 在房地产交易的过程中,我们通常都是按月付账单的,因此你的实际月付利息为:Effective Monthly Rate。 对购房者来说,其实只需要知道你的实际支付利息是稍微高于 APR 一点点的,另...
=NOMINAL (effect_rate, npery) where, •NOMINALis the required output inAPR (Output) •effect_rateis the Effective Annual Rate of Interest orAPY (Input) •nperyis the number of compounding periods in a year(Input) The question that arises here is why would one need the APR when the...
Multiply by 100 to convert the annual rate into a percentage: 0.1723603 ✕ 100% = 17.23%. Potential home buyers can use this formula to compare loan terms from different mortgage lenders. But keep in mind, there are unexpected expenses that can influence APR, like paying formortgage pointsor...
APR is a term that’s used when discussing credit products like credit cards, automobile loans, or mortgages, but what does annual percentage rate mean, exactly? In short, this rate determines the cost of credit for a year. The process is standardized across the financial industry and the in...
interest (the rate you are charged by the provider to borrow money) fees (any standard charges such as application fees or annual card fees) The APR figure represents the yearly cost of borrowing money, combining interest and fees. The lower the APR, the cheaper it should be for you to ...
APR vs. Annual Percentage Yield (APY) Though an APR only accounts for simple interest, theannual percentage yield (APY)takes compound interest into account. As a result, a loan’s APY is higher than its APR. The higher the interest rate—and to a lesser extent, the smaller the compounding...
年度百分率，也叫年利率。APR就是美国诚信信贷法中要求披露的贷款利率 (from 百度百科)。综上，Annual Percentage Rate (APR) for Purchases就是“贷款购买某种商品的年利率”。