请问利率是怎么算的。

大沙发

假如说一台车 44000 利率 4.9
7 ?% ?* V; `$ ]( M0 down 96 个月， 他是怎么算的

Edmontonian18

You read the fine prints below in the contract document.  Some lenders are using semi-annual compounding. Then the effective interest rate will be slightly higher than 4.9% they charge you. My calculation is 4.96%   4.9% is called nominal interest rate.  I am assuming this rate is fixed for 8 years.  
The first month payment, using financial calculator to find out monthly payment.  Your interest is $44000x4.96%/12 = 181.67   The rest goes to principal.

Rubsmith

并不是这样祘的,类似房贷，利和本是8年平均了。当你每月还本后的部分，下个月就不需要付利息、余下的部分才计息。
2 H5 u- Y# J$ _9 m, a! e

Edmontonian18

The 2nd month payment will be the (declining principal x effective interest) /12 for interest portion, the remainder goes to principal. I believe this is the only correct method.