Pahami cara menghitung bunga pinjaman total. Masukkan variabel Anda ke dalam persamaan. Sederhanakan persamaan Anda. Selesaikan eksponen perhitungan. Sederhanakan lebih lanjut. Selesaikan pembagian pada perhitungan. Hitunglah pembayaran bulanan. Hitunglah pembayaran bunga pinjaman total.

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The vast majority of car loans use simple interest. In order to calculate the amount of simple interest you will pay, you’ll first have to calculate your monthly payment using this formula: M=P∗i(1+i)n(1+i)n−1{\displaystyle M=P*{\frac {i(1+i)^{n}}{(1+i)^{n}-1}}}  "M" represents your monthly payment. This is what the formula will be calculating. "P" represents your principal. As previously discussed, this is what you will pay for your car after rebates, trade-ins, and your down payment. "n" represents the total number of monthly payments over the life of the loan. So, if you have a standard, 6-year loan, this would be 6 six years * 12 months per year, or 72.  i" represents your monthly interest rate. This is your stated interest rate, usually listed as your APR, divided by 12. So, if your stated interest rate is 6%, your monthly interest rate would be 6%/12, or 0.5%.  For the purpose of calculation, this number will have to be represented as a decimal instead of as a percentage. To get this number, simply divide your monthly percent interest by 100. In the example, this would be 0.5%/100, or 0.005. Even if you don't already have concrete terms for your loan, you can use estimates here and get a good idea of what various different loans would cost you.  For example, we can use the terms discussed previously. That is, a loan with $10,000 principal, 6% APR (interest), over 6 years. Our inputs would then be 10,000 for "P," 0.005 (the monthly interest rate, expressed as a decimal) for "i," and 72 (6 years x 12 months per year) for "n." Our example equation would now look as follows: M=10,000∗0.005(1+0.005)72(1+0.005)72−1{\displaystyle M=10,000*{\frac {0.005(1+0.005)^{72}}{(1+0.005)^{72}-1}}} From here, you'll simply to have solve your completed equation in the proper order. Start by solving the parts within the parentheses. In this case, this just means adding the 1 to the 0.005 in both places. Your simplified equation should now look like this: M=10,000∗0.005(1.005)72(1.005)72−1{\displaystyle M=10,000*{\frac...