Interest rates are shopping now anyway. 대출이자 계산기 네이버
There’s a saying that lending is also an ability. Some people I know even say that if I can get a loan, I want to get all the ability and invest in a better place. To do that, you have to do your interest calculation carefully. What you need at that time is a mortgage and a calculator. And there’s one more thing you need.
It would be a way to get a loan at a lower interest rate.
Please take enough time to find out your current situation with a mortgage interest calculator and to sell various routes yourself now that it is difficult to determine whether to raise/cut interest rates.
Mortgage Interest Calculator Shortcut
Mortgage interest calculators are provided in so many places. Thankfully, we can check the calculated results immediately by simply simulating the amount we want to borrow and how to repay the annual interest rate on the loan period or putting what we have learned into the mortgage interest calculator.
If you want to know how to use a calculator and even tips on how to get a cheaper loan interest rate, it will be helpful to read this until the end. Don’t you need to know finance to use it well.
Interest Calculator > Quick and Easy Inquiry
Naver Loan Interest Calculator Shortcut
Interest Calculator > Monthly repayment principal and interest can be inquired
HF Loan Interest Calculator Shortcut
Using a 200 Million Mortgage Interest Calculator
The mortgage interest calculator can be easily moved through the blue button above. Alternatively, you can also find the interest calculator in the search results by typing “Housing Loan Interest Calculator” this long on portals such as Naver, Daum, and Google.
We will calculate interest using Naver, which is easily available.
Naver Mortgage Interest Calculator Screen
Naver Mortgage Calculator Main Screen
If you click the shortcut to the interest calculator, you’ll see the screen above. The way is simple. Write down the loan period that we want to receive, put in the annual interest rate, and finally choose one of three repayment methods: equal principal and interest, equal principal, and maturity. And if you’re done with all the settings, press the ‘Calculate’ blue button and it will be calculated.
First of all, we need to briefly look at the loan interest rate. If you don’t know, it will be very helpful to understand the interest rate if you check the following as well. I wrote it down with what I first understood. When I explained it like this, I changed what many people understood. (Please check the Find out section about loan interest rates.)
The loan amount is 200 million in Naver’s main bank interest calculator. I’ll enter the annual interest rate based on the next mortgage rate information. The loan period will be 10 years.
Mortgage Interest Information Inquiry Screen
You can check the interest information on the mortgage loan as above. This is because the Internet is available, so we will have to fully utilize the Internet. That way, you can get a rough idea with your hands before selling your feet. Even if you visit a bank branch unconditionally without sensitivity or find out through an Internet loan site by ear, it can be useless if you don’t have my standards.
It would not be an exaggeration to say that a decision is made in the process of finding out one by one whether or not to receive a cheaper loan interest rate based on more reliable information.
Clean up:
Loan amount: 200 million won
Loan term: 10 years
Annual interest rate: 6%
Repayment method: Equal principal and interest
Based on the above, we have turned the 200 million mortgage interest calculator.
200 Million Mortgage Interest Calculator Results Screen
200 Million Mortgage Interest Calculator Results Screen
If the principal of the loan is equally repaid at an interest rate of 6% for 10 years, it is the total repayment amount. Interest calculation comes out very easily. From here, it’s good to set a few more things according to my environment and capture the amount and take notes. Because beating with a calculator every time doesn’t seem to mean much.
If 10 years is short, but if it is long, you have to consider your environment for a long time. And you have to think about whether it is better to receive the current rate at a fixed rate or a variable rate.
The cost of living and the above expenses to live a month will be fixed. For reference, the reason for setting the interest rate a little higher at 6% is to get an idea of how much interest or principal is deducted from my current income.
If you click ‘View more monthly’ in the calculator results, you can check your monthly repayments and loan balance as shown below.
Check Mortgage Interest Calculator Results – Monthly Repayments and Loan Balance
Check Mortgage Interest Calculator Results – Monthly Repayments and Loan Balance
Can’t I get it cheaper than the loan interest rate?
At the time of taking out the loan, frankly, the loan interest rate may not change much, except for the preferential rate. However, let’s take a look at the loan interest rate step by step.
Loan interest rate: Base rate + Additional rate – Preferential rate
You can express it like this. The base rate is set in the COFIX, so it can hardly be changed. In terms of the market, it corresponds to the cost. It would be easy to understand if it is the same as the reason why you can’t buy products by lowering the cost in the market.
The additional interest rate is the margin that the bank takes. The bank borrows the loan-to-deposit margin, lends it to someone else, and then it makes money by adding interest to it. And that’s how the additional interest rate is used for bank employees, salaries, welfare, incidental expenses, and so on.