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Monthly payment and total interest for any fixed-rate loan.
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Contoh perhitungan
Monthly payment$304.15
$15,000 at 8.0% for 5 years
Total interest$3,249
Total paid$18,249
Same loan over 3 years instead$470.05/month
total interest $1,922 — saving $1,327
Principal and interest only — car/home loans add insurance, taxes or fees on top.
Judge loans by TOTAL cost, not monthly payment. Longer terms hide cost inside comfort.