ローン返済方式を比較

使い方

1. 借入額・年利・期間・据置期間を入力します。
2. 3枚の結果カードで初回返済額と総利息を比較し、カードを選んでグラフを強調します。
3. 必要なら詳細設定で繰上返済条件を入力し、効果と月別返済表を確認します。

詳細

This calculator builds a month-by-month cash-flow schedule for three common repayment structures. Equal payment uses one rounded installment after any grace period. Equal principal repays a similar amount of principal each month, so its payment normally falls over time. A bullet loan pays interest during the term and repays the remaining principal in the final month. Monthly interest is the previous balance multiplied by the annual percentage rate divided by twelve, with fractions below the smallest currency unit discarded.

A grace period is included within the total loan term. During grace, only interest is due, so the principal does not fall and the remaining repayment period becomes shorter. The trend chart omits the final principal lump sum from the bullet line so that its ordinary interest payments remain comparable with the other two methods. The result cards and monthly schedule still include the actual final payment.

The optional prepayment scenario applies one extra principal payment immediately after the regular payment in the chosen month. Shorten term keeps the scheduled payment pattern until the balance reaches zero; reduce payment recalculates payments over the remaining term. The estimated fee declines toward the entered exemption month. Lenders may use daily interest, different rounding, variable rates, or different fee formulas, so use this as a comparison rather than a quote. A monthly extra payment is applied right after each regular payment from month 1; the loan ends in the month the balance reaches zero.