اعرف القسط الشهري لمدة قرض ثابتة، أو المدة التي يستغرقها سداد قرض بقسط ثابت.
الدفعة الشهرية
$1,581.59
إجمالي 180 من الدفعات
$284,685.71
إجمالي الفائدة
$84,685.71
مبلغ القرض
$200,000.00
أصل القرض مقابل الفائدة
أصل القرض 70.3%
الفائدة 29.7%
الرصيد المتبقي بمرور الوقت
النتائج تقديرية وليست نصيحة مالية.
جدول الإطفاء
سنة القرض
الفائدة
أصل القرض
الرصيد الختامي
السنة 1
$9,791.31
$9,187.77
$190,812.23
السنة 2
$9,321.28
$9,657.80
$181,154.43
السنة 3
$8,827.17
$10,151.91
$171,002.52
السنة 4
$8,307.78
$10,671.30
$160,331.22
السنة 5
$7,761.83
$11,217.25
$149,113.97
السنة 6
$7,187.92
$11,791.16
$137,322.81
السنة 7
$6,584.67
$12,394.41
$124,928.40
السنة 8
$5,950.55
$13,028.53
$111,899.87
السنة 9
$5,283.97
$13,695.11
$98,204.76
السنة 10
$4,583.31
$14,395.77
$83,808.99
السنة 11
$3,846.79
$15,132.29
$68,676.70
السنة 12
$3,072.61
$15,906.47
$52,770.23
السنة 13
$2,258.79
$16,720.29
$36,049.94
السنة 14
$1,403.35
$17,575.73
$18,474.21
السنة 15
$504.15
$18,474.21
$0.00
رقم الدفعة
الفائدة
أصل القرض
الرصيد الختامي
1
$833.33
$748.26
$199,251.74
2
$830.22
$751.37
$198,500.37
3
$827.08
$754.51
$197,745.86
4
$823.94
$757.65
$196,988.21
5
$820.78
$760.81
$196,227.40
6
$817.61
$763.98
$195,463.42
7
$814.43
$767.16
$194,696.26
8
$811.23
$770.36
$193,925.90
9
$808.02
$773.57
$193,152.33
10
$804.80
$776.79
$192,375.54
11
$801.56
$780.03
$191,595.51
12
$798.31
$783.28
$190,812.23
13
$795.05
$786.54
$190,025.69
14
$791.77
$789.82
$189,235.87
15
$788.48
$793.11
$188,442.76
16
$785.18
$796.41
$187,646.35
17
$781.86
$799.73
$186,846.62
18
$778.53
$803.06
$186,043.56
19
$775.18
$806.41
$185,237.15
20
$771.82
$809.77
$184,427.38
21
$768.45
$813.14
$183,614.24
22
$765.06
$816.53
$182,797.71
23
$761.66
$819.93
$181,977.78
24
$758.24
$823.35
$181,154.43
25
$754.81
$826.78
$180,327.65
26
$751.37
$830.22
$179,497.43
27
$747.91
$833.68
$178,663.75
28
$744.43
$837.16
$177,826.59
29
$740.94
$840.65
$176,985.94
30
$737.44
$844.15
$176,141.79
31
$733.92
$847.67
$175,294.12
32
$730.39
$851.20
$174,442.92
33
$726.85
$854.74
$173,588.18
34
$723.28
$858.31
$172,729.87
35
$719.71
$861.88
$171,867.99
36
$716.12
$865.47
$171,002.52
37
$712.51
$869.08
$170,133.44
38
$708.89
$872.70
$169,260.74
39
$705.25
$876.34
$168,384.40
40
$701.60
$879.99
$167,504.41
41
$697.94
$883.65
$166,620.76
42
$694.25
$887.34
$165,733.42
43
$690.56
$891.03
$164,842.39
44
$686.84
$894.75
$163,947.64
45
$683.12
$898.47
$163,049.17
46
$679.37
$902.22
$162,146.95
47
$675.61
$905.98
$161,240.97
48
$671.84
$909.75
$160,331.22
49
$668.05
$913.54
$159,417.68
50
$664.24
$917.35
$158,500.33
51
$660.42
$921.17
$157,579.16
52
$656.58
$925.01
$156,654.15
53
$652.73
$928.86
$155,725.29
54
$648.86
$932.73
$154,792.56
55
$644.97
$936.62
$153,855.94
56
$641.07
$940.52
$152,915.42
57
$637.15
$944.44
$151,970.98
58
$633.21
$948.38
$151,022.60
59
$629.26
$952.33
$150,070.27
60
$625.29
$956.30
$149,113.97
61
$621.31
$960.28
$148,153.69
62
$617.31
$964.28
$147,189.41
63
$613.29
$968.30
$146,221.11
64
$609.25
$972.34
$145,248.77
65
$605.20
$976.39
$144,272.38
66
$601.13
$980.46
$143,291.92
67
$597.05
$984.54
$142,307.38
68
$592.95
$988.64
$141,318.74
69
$588.83
$992.76
$140,325.98
70
$584.69
$996.90
$139,329.08
71
$580.54
$1,001.05
$138,328.03
72
$576.37
$1,005.22
$137,322.81
73
$572.18
$1,009.41
$136,313.40
74
$567.97
$1,013.62
$135,299.78
75
$563.75
$1,017.84
$134,281.94
76
$559.51
$1,022.08
$133,259.86
77
$555.25
$1,026.34
$132,233.52
78
$550.97
$1,030.62
$131,202.90
79
$546.68
$1,034.91
$130,167.99
80
$542.37
$1,039.22
$129,128.77
81
$538.04
$1,043.55
$128,085.22
82
$533.69
$1,047.90
$127,037.32
83
$529.32
$1,052.27
$125,985.05
84
$524.94
$1,056.65
$124,928.40
85
$520.54
$1,061.05
$123,867.35
86
$516.11
$1,065.48
$122,801.87
87
$511.67
$1,069.92
$121,731.95
88
$507.22
$1,074.37
$120,657.58
89
$502.74
$1,078.85
$119,578.73
90
$498.24
$1,083.35
$118,495.38
91
$493.73
$1,087.86
$117,407.52
92
$489.20
$1,092.39
$116,315.13
93
$484.65
$1,096.94
$115,218.19
94
$480.08
$1,101.51
$114,116.68
95
$475.49
$1,106.10
$113,010.58
96
$470.88
$1,110.71
$111,899.87
97
$466.25
$1,115.34
$110,784.53
98
$461.60
$1,119.99
$109,664.54
99
$456.94
$1,124.65
$108,539.89
100
$452.25
$1,129.34
$107,410.55
101
$447.54
$1,134.05
$106,276.50
102
$442.82
$1,138.77
$105,137.73
103
$438.07
$1,143.52
$103,994.21
104
$433.31
$1,148.28
$102,845.93
105
$428.52
$1,153.07
$101,692.86
106
$423.72
$1,157.87
$100,534.99
107
$418.90
$1,162.69
$99,372.30
108
$414.05
$1,167.54
$98,204.76
109
$409.19
$1,172.40
$97,032.36
110
$404.30
$1,177.29
$95,855.07
111
$399.40
$1,182.19
$94,672.88
112
$394.47
$1,187.12
$93,485.76
113
$389.52
$1,192.07
$92,293.69
114
$384.56
$1,197.03
$91,096.66
115
$379.57
$1,202.02
$89,894.64
116
$374.56
$1,207.03
$88,687.61
117
$369.53
$1,212.06
$87,475.55
118
$364.48
$1,217.11
$86,258.44
119
$359.41
$1,222.18
$85,036.26
120
$354.32
$1,227.27
$83,808.99
121
$349.20
$1,232.39
$82,576.60
122
$344.07
$1,237.52
$81,339.08
123
$338.91
$1,242.68
$80,096.40
124
$333.74
$1,247.85
$78,848.55
125
$328.54
$1,253.05
$77,595.50
126
$323.31
$1,258.28
$76,337.22
127
$318.07
$1,263.52
$75,073.70
128
$312.81
$1,268.78
$73,804.92
129
$307.52
$1,274.07
$72,530.85
130
$302.21
$1,279.38
$71,251.47
131
$296.88
$1,284.71
$69,966.76
132
$291.53
$1,290.06
$68,676.70
133
$286.15
$1,295.44
$67,381.26
134
$280.76
$1,300.83
$66,080.43
135
$275.34
$1,306.25
$64,774.18
136
$269.89
$1,311.70
$63,462.48
137
$264.43
$1,317.16
$62,145.32
138
$258.94
$1,322.65
$60,822.67
139
$253.43
$1,328.16
$59,494.51
140
$247.89
$1,333.70
$58,160.81
141
$242.34
$1,339.25
$56,821.56
142
$236.76
$1,344.83
$55,476.73
143
$231.15
$1,350.44
$54,126.29
144
$225.53
$1,356.06
$52,770.23
145
$219.88
$1,361.71
$51,408.52
146
$214.20
$1,367.39
$50,041.13
147
$208.50
$1,373.09
$48,668.04
148
$202.78
$1,378.81
$47,289.23
149
$197.04
$1,384.55
$45,904.68
150
$191.27
$1,390.32
$44,514.36
151
$185.48
$1,396.11
$43,118.25
152
$179.66
$1,401.93
$41,716.32
153
$173.82
$1,407.77
$40,308.55
154
$167.95
$1,413.64
$38,894.91
155
$162.06
$1,419.53
$37,475.38
156
$156.15
$1,425.44
$36,049.94
157
$150.21
$1,431.38
$34,618.56
158
$144.24
$1,437.35
$33,181.21
159
$138.26
$1,443.33
$31,737.88
160
$132.24
$1,449.35
$30,288.53
161
$126.20
$1,455.39
$28,833.14
162
$120.14
$1,461.45
$27,371.69
163
$114.05
$1,467.54
$25,904.15
164
$107.93
$1,473.66
$24,430.49
165
$101.79
$1,479.80
$22,950.69
166
$95.63
$1,485.96
$21,464.73
167
$89.44
$1,492.15
$19,972.58
168
$83.22
$1,498.37
$18,474.21
169
$76.98
$1,504.61
$16,969.60
170
$70.71
$1,510.88
$15,458.72
171
$64.41
$1,517.18
$13,941.54
172
$58.09
$1,523.50
$12,418.04
173
$51.74
$1,529.85
$10,888.19
174
$45.37
$1,536.22
$9,351.97
175
$38.97
$1,542.62
$7,809.35
176
$32.54
$1,549.05
$6,260.30
177
$26.08
$1,555.51
$4,704.79
178
$19.60
$1,561.99
$3,142.80
179
$13.10
$1,568.49
$1,574.31
180
$6.56
$1,574.31
$0.00
حول حاسبة الدفعات
استخدم تبويب المدة الثابتة عندما تعرف المدة التي تريد الاقتراض خلالها: فهو يعطي القسط الشهري اللازم للانتهاء في الموعد. واستخدم تبويب الدفعة الثابتة عندما تعرف ما يمكنك تحمله شهريًا: فهو يعطي مدة القرض ومقدار الفائدة التي ستدفعها.
في وضع الدفعة الثابتة يجب أن تكون الدفعة أكبر من فائدة الشهر الأول، وإلا لن ينخفض الرصيد أبدًا. تنبهك الحاسبة عندما يحدث ذلك.
المعادلة
المدة الثابتة: M = L × r ÷ (1 − (1 + r)^−n)
الدفعة الثابتة: n = −ln(1 − L × r ÷ M) ÷ ln(1 + r)
r = المعدل السنوي ÷ 12؛ L = مبلغ القرض
مثال
قرض بقيمة 200,000 $ بمعدل 5% لمدة 15 سنة يحتاج 1,581.59 $ شهريًا. أما دفع 2,000 $ ثابتة شهريًا فيسدد القرض نفسه خلال 130 شهرًا (10 سنوات و10 أشهر).
