aprs如何确定个人贷款？
一个年利率—or apr—is the total annual cost of a loan, over the life of the loan. stated another way, it’s the total cost of credit based on the interest rate, fees and length of the repayment term. some lenders include origination fees in the advertised aprs, while others take them out of the loan amount at funding. the apr of a personal loan, therefore, will vary depending on your creditworthiness, the size of the loan, how long you have to repay the loan and the lender.
与个人贷款相关的常用费用包括发起费用，延迟付款费和退回支票费用。有些贷款人也为a充电预付期罚款 to borrowers who opt to pay off their loans early. keep in mind, however, that many lenders offer a no-fee structure that can reduce costs over the life of your loan—so it’s important to always shop around for the most favorable loan terms.