个人贷款计算器
个人贷款计算器
Calculate personal loan payments to plan ahead
个人 loans may be good solutions for many kinds of expenses. And because their interest rates are usually fixed, 不像信用卡, loan repayment amounts are fixed. That means you can calculate what you’ll owe and plan ahead for repayment. Interest rates may be lower than credit card rates as well.
You might choose to apply for a personal loan to:
- Consolidate high interest debt
- 处理突发的紧急情况
- Make home repairs or improvements
- Purchase any other big ticket item
不像其他类型的贷款, 通常很少, 如果有任何, restrictions on how personal loans are spent.
个人贷款vs. 个人信用额度
个人 loans are what most people think of when they think of the word "loan." Members who take out personal loans receive the full amount of cash all at once. Then they repay that loan over a period of time at a set interest rate.
个人 loans generally offer:
- Full amount of money loaned up front
- 固定利率
- 付款期限
- Reliable repayments that won't change
- Interest rates may be lower than credit card rates
个人 lines of credit are more like credit cards. Members who obtains a line of credit receive access to a specified limit of funds, 就像信用卡限额一样. Lines of credit may be good solutions if members don't know exactly how much they'll need, or when payments need to be made in stages. 最棒的是? If the money isn't spent, it doesn't need to be repaid.
个人 lines of credit usually offer:
- More flexibility than personal loans
- 快速获取资金
- Interest rates that are lower than credit card rates
- 可变利率
However, 个人信用额度 usually do not offer:
- Fixed rates — rates are usually variable, which means they may change over the period of repayment
- Reliable repayment — when interest rates change, the repayment amount also changes
- Grace periods — 不像信用卡, interest often begins to accrue as soon as the funds are used. Making on-time payments doesn't eliminate interest debt.