個人貸款總費用年百分率試算  
  

The total loan amount

.

loan interest rate (annual interest rate)

Fixed loan interest rate Multiple stage loan interest rate
Stage 1 termyearsmonths ; Interest rate%
Stage 2 termyearsmonths ; Interest rate%
Stage 3 termyearsmonths ; Interest rate%
Stage 4 termyearsmonths ; Interest rate%
Stage 5 termyearsmonths ; Interest rate%

No. of periods (month)

Equal instalment repayment of the principal and interest Periods (up to 360 , that is 30 years)

Service fee
( ex., loan origination fees)

.No entering data means no fee.

The variable expense (proportion to the loan amount)
-

No entering data means no fee.


The bank's credit products EAPR(effective annual percentage rate) is categorized as "Installment credit" and "Recurring credit products". Its example for the calculation Basic is listed below:

Type

The calculation Basic for loan EAPR

Loan period

Loan amount

Installment credit

-

House mortgages

20years

200* NT$ 10,000

The 2nd house mortgages

7years

50* NT$ 10,000

Car loan

5years

40* NT$ 10,000

Fiduciary loan

5years

30* NT$ 10,000

Recurring credit products

-

Recurring house mortgages or recurring fiduciary loan

To use credit rate instead

Cash card

Credit card

To use recurring interest rate instead