Loan Comparison Calculator (2022)

Loan Comparison Calculator can compare the installments paid periodically and further the total interest outgo on loan. Then a decision can be taken as to which loan terms and conditions should be opted for.

Loan Comparison Calculator

[P* R * (1+R)^N]/[(1+R)^N-1]

Wherein,

  • P is the loan amount
  • R is the rate of interest per annum
  • N is the number of period or frequency wherein loan amount is to be paid

The loan Amount

$

Number of period or frequency wherein loan amount is to be paid

Table of contents
  • Loan Comparison Calculator
    • About the Loan Comparison Calculator
    • How to Calculate using the Loan Comparison Calculator?
    • Examples
    • Conclusion
    • Recommended Articles

About the Loan Comparison Calculator

The formula for calculation of Loan Comparison is below for a minimum of two loans, and further, if there are more than the same formula can be used:

Loan I Computation

[P * R * (1+R)N]/[(1+R)N-1]

Loan II Computation

(Video) Loan Comparison Calculator

[P * R’ * (1+R’)N’]/[(1+R’)N’-1]

Now both loans will be compared,

Wherein,

  • P is the loan amount
  • R is the rate of interest per annum
  • N is the number of periods or frequency wherein the loan amount is to be paid
  • R’ is the rate of interest per annum for the second loan
  • N’ is the number of periods or frequency wherein the loan amount is to be paid for the second loan

The Loan Comparison Calculator can be used to compare loans across different interest rates and different tenures or even across a different financial institution, which shall aid the borrower to make a decision which shall be fruitful for him, for example, easy installments, lesser cash outflow in the form of interest, or extended installments, etc. as per his requirements.

Loans must be planned; otherwise, one would pay a higher interest rate, and even the installment amount would be huge. Therefore, comparing loans across is essential and then making a decision.

How to Calculate using the Loan Comparison Calculator?

One needs to follow the below steps in order to calculate the monthly installment amounts.

  1. First of all, determine the loan amount which needs to be borrowed. Banks usually provide more loan amounts to those with a good credit score and less to those with a lower credit score. First, we shall enter the principal amount:

    Loan Comparison Calculator (1)

  2. Multiply the principal by a rate of interest for Loan I.

    Loan Comparison Calculator (2)

  3. Now, we need to compound the same by rate until the loan period for Loan I.

    Loan Comparison Calculator (3)

  4. We now need to discount the above result obtained in step 3 by the following:

    Loan Comparison Calculator (4)

  5. After entering the above formula in excel, we shall obtain installments periodically for Loan I.
  6. Repeat the same steps from 2 to 4 for Loan II if there are multiple loans.
  7. Now, one can compare the interest outflow and thus then can make decisions accordingly if it’s solely based on interest outflow.

You can download this Loan Comparison Calculator Excel Template here –Loan Comparison Calculator Excel Template

(Video) Loan Comparison and EMI Payment Calculator (Excel Template)

Examples

Example #1

Mr. A is working in a multinational companyMultinational CompanyA multinational company (MNC) is defined as a business entity that operates in its country of origin and also has a branch abroad. The headquarter usually remains in one country, controlling and coordinating all the international branches.read more and is now looking to borrow money to purchase a house. He is currently perplexed about which bank he should borrow the money from. He has two options in hand; one is offered by ABHC bank, which is quoting him an 8.5% fixed rate of interest and the loan period will be 18 years, and another bank, KCKC bank, is charging an 8.25% fixed rate of interest and loan period will be 20 years and also the second bank would charge processing fee at the rate of 0.50% and has to be paid upfront whereas ABHC is charging no processing fees. Both banks are giving facilities to pay installments monthly.

You must compare the loans and advise where the loan should be taken from, provided he needs to borrow $150,000.

Solution:

We need to calculate the Installment amount; the loan amount is $150,000.

LOAN I

The number of periods it is required to be paid is 18 years. Still, since here Mr. A is going to pay monthly hence the number of payments that he shall be required to be paid is 18*12, which is 216 equally installments, and lastly, the rate of interest is 8.50% fixed, which shall be calculated monthly which is 8.50%/12 which is 0.71%.

Loan Comparison Calculator (5)

Now we shall use the below formula to calculate the EMI amount.

Monthly Installment = [P * R * (1+R)N]/[(1+R)N-1]

Loan Comparison Calculator (6)
  • = [150,000 * 0.71% * (1 + 0.71%)^216 ] / [ (1 + 0.71%)^216 – 1 ]
  • = $1,358.19
Interest Flow

Interest outflow can be calculated by multiplying the installment amount by several periods and subtracting it from the loan amount.

Loan Comparison Calculator (7)
  • = $ 1358.19 * 216- $150,000.00
  • =$143,368.22
LOAN II

The number of periods it is required to be paid is 20 years. Still, since here Mr. A is going to pay monthly hence the number of payments that he shall be required to be paid is 20*12, which is 240 equally installments, and lastly, the rate of interest is 8.25% fixed, which shall be calculated monthly which is 8.25%/12 which is 0.69%.

Loan Comparison Calculator (8)

Now we shall use the below formula to calculate the EMI amount.

Monthly Installment = [P * R’ * (1+R’)N’]/[(1+R’)N’-1]

Loan Comparison Calculator (9)
  • =[150,000 * 0.69% * (1 + 0.69%)^240 ] / [ (1 + 0.69%)^240 – 1 ]
  • = $1,278.10
Interest Flow
Loan Comparison Calculator (10)
  • = $1278.10 * 240 – $ 150000.00
  • = $ 156743.63

Now we can compare both the loans and figure out where the interest flow is more.

Loan Comparison Calculator (11)

Even though at first instance, KCKC offers a lower rate, since it offers higher tenure, the borrower will end up paying more interest, and hence we have here only two options. Mr. A would prefer to take a loan from ABHC bank.

(Video) Loan Comparison Calculator Mortgage Comparison Calculator With Extra Payment

Example #2

There are two loan offers for a client per the below details:

ParticularsLoan ILoan II
Rate of Interest15%18%
Compound FrequencyQuarterlySemi-annually
Tenure10 years8 years

The loan amount is the same, which is $100,000. Based on the given information, you are required to compare the loans and advise the client as to which loan should be preferred, provided the client’s requirement is that the total cash outflow should be lower.

Solution:

We need to calculate the Installment amount; the loan amount is $100,000.

LOAN I

The number of periods it is required to be paid in 10 years, but since here, the borrower is going to pay quarterly; hence the number of payments that he shall be required to be paid is 10*4, which is 40 equal installments, and lastly, the rate of interest is 15.00% fixed which shall be calculated quarterly which is 15%/4 which is 3.75%.

Loan Comparison Calculator (12)

Now we shall use the below formula to calculate the EMI amount.

Monthly Installment = [P * R * (1+R)N]/[(1+R)N-1]

Loan Comparison Calculator (13)
  • = [100,000 * 3.75% * (1 + 3.75%)^40 ] / [ (1 + 3.75%)^40 – 1 ]
  • = $4,865.95
Interest Flow

Interest outflow can be calculated by multiplying the installment amount by the number of periods and then subtracting it from the loan amount.

Loan Comparison Calculator (14)
  • = $4865.95 * 40 – $100000.00
  • = $ 94637.83
LOAN II

The number of periods it is required to be paid in eight years. Still, since the borrower is going to pay on a semi-annual basis, the number of payments that he shall be required to be paid is 8*2, which is 16 equal installments. Lastly, the interest rate is 18% fixed, which shall be calculated semi-annually at 18%/2, which is 9.00%.

Loan Comparison Calculator (15)

Now we shall use the below formula to calculate the EMI amount.

Monthly Installment = [P * R’ * (1+R’)N’]/[(1+R’)N’-1]

Loan Comparison Calculator (16)
  • = [100,000 * 9.00% * (1 + 9.00%)^16 ] / [ (1 + 9.00%)^16 – 1 ]
  • = $12,029.99
Interest Flow
Loan Comparison Calculator (17)
  • = $ 12029.99 * 16 – $100000.00
  • = $ 92479.86

Now we can compare both the loans and figure out where the interest flow is more.

Loan Comparison Calculator (18)

Hence, from above, it can be said that Loan II should be preferred even though the interest rate is high since the total cash outflow is less.

(Video) Loan Comparison Calculator - Alt Doc & Specialist Loans | BMM’s How To Guide

Conclusion

A loan comparison calculator can compare loans across tenure, banks, and interest rates, whichever meets the borrower’s requirement. Accordingly, the borrower will take a loan, whether it be less interest outflow, extended or lower installment, etc.

Recommended Articles

This has been a guide to the Loan Comparison Calculator. Here we provide the calculator used to compare loans across tenure, banks, and rate of interest, whichever meets the borrower’s requirement, along with the examples. You may also take a look at the following useful articles –

  • CD Interest Calculator
  • Mortgage Calculator with Taxes and Insurance
  • Mortgage Points Calculator
  • Loan Repayment Calculator
  • Loan Prequalification Calculator

FAQs

How can I compare two personal loans? ›

How to Compare Personal Loans
  1. Get quotes from at least three lenders -- and preferably more. ...
  2. Look for lenders that allow you to compare loan offers without hard credit inquiries. ...
  3. Make sure you're always comparing apples to apples. ...
  4. Look at total costs. ...
  5. Read the fine print. ...
  6. Comparing loans the right way is worth the effort.
1 Nov 2022

How much would a 35 000 loan cost per month? ›

The monthly payment on a $35,000 loan ranges from $478to $$3,516, depending on the APR and how long the loan lasts. For example, if you take out a $35,000 loan for one year with an APR of 36%, your monthly payment will be $$3,516.

How much loan can I get on 50000 salary? ›

5,40,000. On the other hand, if you are wondering - how much personal loan can I get on a 40,000 salary, the loan sanction amount will be close to Rs. 10.80 lakhs.
...
Multiplier Method.
SalaryExpected Personal Loan Amount
Rs. 40,000Rs. 10.80 lakhs
Rs. 50,000Rs. 13.50 lakhs
Rs. 60,000Rs. 16.20 lakhs
2 more rows

How much loan I can get if my salary is 25000? ›

How much personal loan can I get on a ₹25000 salary? According to the Multiplier method, on a salary of ₹25000, you can get a loan of ₹6.75 lakhs for 5 years. Going by the Fixed Obligation Income Ratio method, if you have monthly EMIs of ₹3000, you will be eligible for an amount of ₹5.89 lakhs.

Does comparing loans affect your credit score? ›

Comparing credit offers with Experian.

This is called a soft check. Soft checks aren't visible to lenders and have no impact on your credit score.

Is it better to have two loans or one? ›

Debt accumulation – the more loans you have, the more debt you accumulate. You will have high monthly repayments, and a higher debt-to-income ratio. If something happens to your ability to repay your debts, then you could end up in serious financial trouble.

How much will a 50 000 loan cost per month? ›

The monthly payment on a $50,000 loan ranges from $683 to $5,023, depending on the APR and how long the loan lasts. For example, if you take out a $50,000 loan for one year with an APR of 36%, your monthly payment will be $5,023.

What is a good interest rate on a personal loan? ›

A good personal loan interest rate depends on your credit score: 740 and above: Below 8% (look for loans for excellent credit) 670 to 739: Around 14% (look for loans for good credit) 580 to 669: Around 18% (look for loans for fair credit)

How much is a 100k loan monthly? ›

Monthly payments on a $100,000 mortgage by interest rate

At a 4% fixed interest rate, a 30-year $100,000 mortgage may cost you around $477.42 per month, while a 15-year mortgage has a monthly payment of around $739.69.

How much loan can I get if my salary 40k? ›

40,000, your repayment capacity will be Rs. 20,000 (50% of income as mentioned above). The calculator will give you the eligible home loan amount of around Rs. 26 lakh.

How much loan can I get on 75000 salary? ›

75,000 you can increase your eligibility up to a loan amount of Rs. 55.93 Lakh. Net monthly income (in Rs.)

How much loan can I get on 70 000 salary? ›

40,29,920 and the total amount (principal + total interest) is Rs. 80,29,920.

Can I get a loan on 30k salary? ›

With affordable interest rates and charges on offer, a personal loan is convenient for all salaried individuals, even those with a salary of up to Rs. 30,000.

How much loan can I get on 35k salary? ›

How Much Home Loan Can I Get on My Salary?
Net Monthly Income (₹)Loan Amount (₹)
₹ 30,000₹ 17,09,806
₹ 35,000₹ 20,46,586
₹ 40,000₹ 23,83,366
₹ 50,000₹ 30,56,926
2 more rows

Can I Get home loan with 20K salary? ›

As per the standard rule, banks offer home loans up to 60 times of your salary. Say you earn Rs. 20000 then you will be eligible to get a home loan of Rs. 12,00,000.

Will my credit score get affected if I take 2 different loans? ›

Having multiple secured and unsecured loans may affect your credit score. Likewise, having multiple credits cards may bring down your credit score. Because, they indicate the high debt you are already carrying.

What is the most effective rate to consider when comparing loans? ›

When comparing two loans, the lender offering the lowest nominal rate is likely to offer the best value, since the bulk of the loan amount is financed at a lower rate. The scenario most confusing to borrowers is when two lenders are offering the same nominal rate and monthly payments but different APRs.

How many loan applications is too many? ›

For many lenders, six inquiries are too many to be approved for a loan or bank card. Even if you have multiple hard inquiries on your report in a short period, you may not see negative consequences if you're shopping for a specific type of loan.

How much debt is too much for a loan? ›

Generally speaking, a good debt-to-income ratio is anything less than or equal to 36%. Meanwhile, any ratio above 43% is considered too high. The biggest piece of your DTI ratio pie is bound to be your monthly mortgage payment.

How much of a loan is too much? ›

You owe too much on a home if your monthly payment exceeds 28% of your gross monthly income. If you're buying, make sure you calculate how much you'll pay a month, including interest, homeowner's insurance, private mortgage insurance (PMI) and taxes.

How long should you wait between loans? ›

Wait for a 30 day cycle before applying for a loan.

Each time you apply for new credit, that credit application shows up as an inquiry on your credit report, which can lower your credit score. Don't apply for a loan and get rejected.

How much a month is a 75k loan? ›

The monthly payment on a $75,000 loan ranges from $1,025 to $7,535, depending on the APR and how long the loan lasts. For example, if you take out a $75,000 loan for one year with an APR of 36%, your monthly payment will be $7,535.

How much a month is a 40k loan? ›

Your monthly payments would look like this for a $40,000 loan: 36 months: $1,146. 48 months: $885. 60 months: $737.

How much would a 60000 personal loan cost? ›

Borrowers with excellent credit can expect a monthly payment as low as $555 for a $60,000 personal loan at 5.73% with a 12-year term. If you have decent credit, it may be more realistic to estimate a monthly payment around $720 using a 12-year term.

Which bank has the lowest interest rate for personal loan? ›

Banks offering lowest personal loan interest rates
BANKSPersonal Loan AmountRoI (%)
IDBI Bank>=25000 and <=5 Lacs8.90% - 14.00%
Punjab National BankUpto 10 Lacs9.35% - 15.35%
Indian Bank>=50000 and <=5 Lacs9.40% - 9.90%
Karur Vysya BankUpto 10 Lacs9.40% - 19.00%
1 more row
24 Jun 2022

How can I get a loan with less interest? ›

Here are some tips to secure lower interest rates on personal loans:
  1. Maintain a good credit score.
  2. Maintain a good repayment track record.
  3. Compare interest rates offered by different lenders.
  4. Look out for Special offers.
  5. Good existing relationship with the bank.
  6. Check the method of interest calculation.

Is it better to have a higher or lower interest rate on a loan? ›

When interest rates are high, it's more expensive to borrow money; when interest rates are low, it's less expensive to borrow money. Before you agree to a loan, it's important to make sure you completely understand how the interest rate will affect the total amount you owe.

How long does it take to pay off a 100 000 loan? ›

While the standard repayment term for federal loans is 10 years, it takes anywhere between 13 and 20 years on average to repay $100k in student loans. Here are some different scenarios to consider, depending on your financial situation and goals.

How much credit do I need for a 100K loan? ›

Borrowers with excellent credit scores (720 or higher) have the best chance of getting approved for a $100,000 personal loan. You'll also likely get the lowest interest rate the lender offers. If you have bad credit, you may still get approved for a loan.

Is it hard to get a 100K loan? ›

If your credit score is very good to excellent, you'll likely have a better chance of getting a $100,000 loan than someone with fair or poor credit. And your good credit could help you secure a more competitive interest rate. Your interest rate can have a major impact on the total cost of the loan.

How much loan can I get on 90000 salary? ›

Maximum Loan Amount for Different Salaries as per Multiplier Method
Monthly SalaryMaximum Loan Amount
Rs. 70,000Rs. 10.50 Lakh
Rs. 80,000Rs. 12.00 Lakh
Rs. 90,000Rs. 13.50 Lakh
Rs. 1,00,000Rs. 15.00 Lakh
9 more rows

Can I borrow four times my salary? ›

4-4.5 times your salary is the average income multiple used by most high street lenders, so is often quoted as the amount you can expect to borrow. It's only an average though, and it is possible to secure a mortgage for 5 times or even 6 times your annual salary, depending on your circumstances and on the lender.

How much times my salary can I borrow? ›

How many times my salary can I borrow for a mortgage? Lenders will typically use an income multiple of 4-4.5 times salary per person.

How much can I borrow with 80k salary? ›

On an annual income of $80,000 after-tax, a lender may offer you a mortgage of $1.75 million. This assumes that the applicant's credit score is at least average.

Can I get a home loan with 80k salary? ›

For the couple making $80,000 per year, the Rule of 28 limits their monthly mortgage payments to $1,866. Ideally, you have a down payment of at least 10%, and up to 20%, of your future home's purchase price.

What banks consider before giving loans? ›

In reality, there are many other factors to consider when applying for a bank loan – from monthly income, monthly expenses, assets and liabilities for collateral assessment, and so on. These factors play a vital role in guiding your decision to take a bank loan.

How much should I earn for a 200000 loan? ›

What income is required for a 200k mortgage? To be approved for a $200,000 mortgage with a minimum down payment of 3.5 percent, you will need an approximate income of $62,000 annually.

How much is a 200k loan per month? ›

With a 15-year mortgage, your monthly payment on a $200,000 mortgage at 3.5% jumps to $1,430. At 5% interest, your payment would be $1,582. You can calculate mortgage payments yourself using an online calculator, like Credible's mortgage payment calculator.

How much home loan can I get on 100 000 salary? ›

You can usually get a home loan that is 60 times your salary. However, lenders do not generally consider your in-hand salary when determining the loan amount.

How much a month is a 30k loan? ›

The monthly payment on a $30,000 loan ranges from $410 to $3,014, depending on the APR and how long the loan lasts. For example, if you take out a $30,000 loan for one year with an APR of 36%, your monthly payment will be $3,014.

Can I buy a house with 30k income? ›

If you were to use the 28% rule, you could afford a monthly mortgage payment of $700 a month on a yearly income of $30,000. Another guideline to follow is your home should cost no more than 2.5 to 3 times your yearly salary, which means if you make $30,000 a year, your maximum budget should be $90,000.

Can I buy a house with 30k? ›

With a $30,000 down payment (20% of purchase price) and a 30-year loan at 3%, you'll only be paying around $700 a month! Definitely affordable on a $30,000 budget. If you need more help, you can apply for a Federal Housing Association (FHA) loan, which is specifically designed for those with low income.

How much credit do you need for a 40000 loan? ›

Most lenders require a minimum credit score of 580 or higher to qualify for a $40,000 personal loan. If you have credit challenges or a lower score than 580, you should look into using a cosigner or secured personal loan.

What do I need to qualify for a 30000 loan? ›

You will likely need a credit score of at least 660 for a $30,000 personal loan. Most lenders that offer personal loans of $30,000 or more require fair credit or better for approval, along with enough income to afford the monthly payments.

How much home loan can I get on 45000 salary? ›

Salaried individuals are eligible to get housing loans up to 60 times their net monthly income as a rule of thumb. So, if your in-hand salary is Rs. 45000 per month, you can get a housing loan up to Rs. 27,00,000 approximately.

What is the minimum salary for home loan? ›

Home Loan Eligibility Criteria

Age Limit for Salaried Individuals: 21 to 65 years . Age Limit for Self-Employed Individuals: 21 to 65 years. Minimum Salary: ₹10,000 p.m. Minimum business income: ₹2 lac p.a.

Is it wise to take home loan? ›

As such, it is better to take a home loan instead of spending all your savings in one investment alone. Taking a loan can improve your credit worthiness: Did you know that your credit scores can reduce even if you do not take on any loans?

Can a person have 2 personal loans? ›

You can have more than one personal loan with some lenders or you can have multiple personal loans across different lenders. You're generally more likely to be blocked from getting multiple loans by the lender than the law. Lenders may limit the number of loans — or total amount of money — they'll give you.

Will multiple personal loans hurt my credit? ›

If you pay on time, multiple personal loans (like any installment loans) can help your credit. Credit scores reward on-time payments. Applying for multiple personal loans in a short period of time can cause your scores to dip slightly, but any decrease is usually temporary.

Can you have 2 personal loans at a time? ›

Yes. Many lenders allow multiple outstanding personal loans. You can take out a personal loan from multiple banks or online lenders, as long as you qualify. If you already have a lot of outstanding debt, however, a lender might not approve you for an additional loan.

What is a good credit score? ›

Although ranges vary depending on the credit scoring model, generally credit scores from 580 to 669 are considered fair; 670 to 739 are considered good; 740 to 799 are considered very good; and 800 and up are considered excellent.

How long should I wait between loan applications? ›

Wait for a 30 day cycle before applying for a loan.

Each time you apply for new credit, that credit application shows up as an inquiry on your credit report, which can lower your credit score. Don't apply for a loan and get rejected.

What credit score is needed for a personal loan? ›

To qualify for a personal loan, borrowers generally need a minimum credit score of 610 to 640. However, your chances of getting a loan with a low interest rate are much higher if you have a “good” or “excellent” credit score of 690 and above.

Can you use a loan to pay off another loan? ›

While you can often use one loan to pay off another, be sure to read the fine print of your contract first and be wise about your spending habits.

What is the maximum personal loan amount? ›

The largest personal loan you can get is generally $100,000, with a handful of lenders offering loans of this size. But many lenders have maximum loan amounts between $40,000 and $50,000.

Can you pay off a loan early to avoid interest? ›

Yes. By paying off your personal loans early you're bringing an end to monthly payments, which means no more interest charges. Less interest equals more money saved.

Does it hurt your credit to pay off loan early? ›

Does Paying Off a Personal Loan Early Hurt Your Credit Scores? In short, yes—paying off a personal loan early could temporarily have a negative impact on your credit scores. You might be thinking, “Isn't paying off debt a good thing?” And generally, it is.

How long does a personal loan stay on your credit report? ›

If the last status of the account is reported by the lender as paid as agreed, the account can stay on your Equifax credit report for up to 10 years from the date it was reported by the lender to Equifax.

Which is the best lending company? ›

  • Current Personal Loan Rates.
  • Best Personal Loans.
  • SoFi: Best Overall Personal Loan.
  • LightStream: Best for Low Interest Rates.
  • Marcus: Best for Terms Up to 72 Months.
  • LendingPoint: Best for Fast Funding & Below-average Credit.
  • Upgrade: Best for Bad Credit.
  • Universal Credit: Best for Comparing Multiple Offers.
23 Oct 2022

What is one mistake that could reduce your credit score? ›

Missing a card or loan payment

Missing a payment by 90 days can be even more damaging, lowering a 790 credit score to 660, which is below FICO's “Good” range. A missed payment can stay on your credit report for up to seven years.

What do I do if I have too many loans? ›

You can refinance mortgages, auto loans, personal loans and student loans. One way to do this is through a debt consolidation loan, a personal loan that may come with lower interest rates than your existing debts. You may also consider transferring the debt to a balance transfer card if you have credit card debt.

How much money can you borrow from the bank? ›

In general, most lenders allow borrowers to take out $1,000 – $50,000. The amount you're approved for, however, can depend on certain factors in your finances.

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