Application "Credit and Credit Card Online" - a wizard for the selection of loans for any purpose. Contains up-to-date information on all loan offers;
We have collected up-to-date information for you by countries: Russia, Ukraine, Belarus, Kazakhstan;
It is easy to get a loan or credit card - in a mobile application in 5 minutes
A personal manager will select the best offers for:
1. consumer loans, cash loans, auto loans and secured loans;
2.credit card or installment card
We show and talk about all the pitfalls, advantages and disadvantages of all banks
We cooperate with all popular banks such as Alfa Bank, Tinkoff Bank, Home Credit, VTB 24, etc. Depending on the requirements of banks, we will show the options with the highest percentage of approval, to save your time;
All banks can check credit history for free and calculate a loan through an online loan calculator.
Loan settlements. General terms:
- Minimum loan term - 180 days or 6 months;
- The maximum loan term is 84 months;
- Minimum interest rate - 5.4% (APR) including all fees and taxes;
- Maximum interest rate - 29.9% (APR) including all fees and taxes;
We propose to calculate the amount of payment for the borrower who wants to take 2,000,000 rubles from the bank. at 6% per annum for 2 years:
The formula for calculating the monthly payment and the total overpayment for example:
P = S * R * (1 + R) ^ N / ((1 + R) ^ N - 1), where
P - the amount of the monthly loan payment
S - loan amount
R - interest rate per month. R = Annual interest rate / 12
N - loan term in months
We propose to calculate the amount of payment for the borrower who wants to borrow 2,000,000 rubles from the bank. at 6% per annum for 2 years:
R = 12 / (100 * 6) = 0.02
P = 2,000,000 * 0.02 * (1 + 0.02) ^ 24 / ((1 + 0.02) ^ 24-1) = 88641.2
The formula for calculating the overpayment T = (N * P) - S = (24 * 88641.2) - 2,000,000 = 127388.88
Outcome:
Principal amount: RUB 2,000,000 00 kopecks
Loan overpayment: 127388 rubles 88 kopecks
Total debt: RUB 2,127,388 88 kopecks
Monthly payment amount 88641 rubles 20 kopecks
Penalty for late monthly payment: 0.05% - 0.2% of the amount of overdue debt for each day of violation of obligations.
Not a public offer