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INFORMATION REGARDING COOKIES

1.- Introduction

This information sheet serves to inform you about our website's ("Website" - hereinafter referred to as "hipenpal.com", "We", "Us", "Our/s") Cookie Policy, so that you may better understand the use of cookies during your navigation and provide your consent thereto.

It is understood that by continuing to navigate on this Website you are consenting to the use of cookies, as specifically indicated in the notice on the front page ("Homepage") reporting the existence of our Cookie Policy.

2.- What are cookies?

Cookies are small files which are stored on your computer, they hold a modest amount of data specific to you and allows a server to deliver a page tailored to you on your computer, hard drive, smartphone or tablet (hereinafter referred to as, "Device"). Later on, if you return to our Website, it can read and recognise the cookies. Primarily, they are used to operate or improve the way our Website works as well as to provide business and marketing information to the Website owner.

3.- Authorisation for the use of cookies on our Website

In accordance with the notice of cookie usage appearing on our Website's homepage and our Cookie Policy you agree that, when browsing our Website, you consent to the use of cookies described herein, except to the extent that you have modified your browser settings to disable their use. This includes but is not limited to browsing our Website to complete any of the following actions: closing the cookie notice on the Homepage, scrolling through the Website, clicking on any element of the Website, etc.

4.- Types of cookies used on our Website

4.1. Types of cookies according to the managing entity

Depending on what entity manages the computer or domain from which the cookies are sent and processed, there exist the following types of cookies:

First party cookies: these are sent to your Device from a computer or domain managed by us and from which the service you requested is provided.

Third party cookies: these are sent to your Device from a computer or domain that is not managed by us, but by a separate entity that processes data obtained through cookies.

4.2. Types of cookies according to the length of time you stay connected:

Depending on the amount of time you remain active on your Device, these are the following types of cookies:

Session cookies: these are designed to receive and store data while you access the Website. These cookies do not remain stored on your Device when you exit the session or browser.

Persistent cookies: these types of cookies remain stored on your Device and can be accessed and processed after you exit the Website as well as when you navigate on it for a pre-determined period of time. The cookie remains on the hard drive until it reaches its expiration date. The maximum time we use persistent cookies on our Website is 2 years. At this point the browser would purge the cookie from the hard drive.

4.3. Types of cookies according to their purpose

Cookies can be grouped as follows:

a. Technical cookies: these cookies are strictly necessary for the operation of our Website and are essential for browsing and allow the use of various features. Without them, you cannot use the search function, compare tool or book other available services on our Website.

b. Personalisation cookies: these are used to make navigating our Website easier, as well as to remember your selections and offer more personalised services. In some cases, we may allow advertisers or other third parties to place cookies on our Website to provide personalised content and services. In any case, your use of our Website serves as your acceptance of the use of this type of cookie. If cookies are blocked, we cannot guarantee the functioning of such services.

c. Analytical cookies for statistical purposes and measuring traffic: these cookies gather information about your use of our Website, the pages you visit and any errors that may occur during navigation. We also use these cookies to recognise the place of origin for visits to our Website. These cookies do not gather information that may personally identify you. All information is collected in an anonymous manner and is used to improve the functioning of our Website through statistical information. Therefore, these cookies do not contain personal data. In some cases, some of these cookies are managed on our behalf by third parties, but may not be used by them for purposes other than those mentioned above.

d. Advertising and re-marketing cookies: these cookies are used to gather information so that ads are more interesting to you, as well as to display other advertising campaigns along with advertisements on the Website or on those of third parties. Most of these cookies are "third party cookies" which are not managed by us and, because of the way they work, cannot be accessed by us, nor are we responsible for their management or purpose. Our Privacy Policy contains more information about the way third party cookies work, their purpose and how they are used. You may find this information in the list of cookies available in Clause 5 of our Cookie Policy.

To that end, we can also use the services of a third party in order to collect data and/or publish ads when you visit our Website. These companies often use anonymous and aggregated information (not including, for example, your name, address, email address or telephone number) regarding visits to this Website and others in order to publish ads about goods and services of interest to you.

e. Social cookies: these cookies allow you to share our Website and click "Like" on social networks like Facebook, Twitter, Google+, and YouTube, etc. They also allow you interact with each distinct platform's contents. The way these cookies are used and the information gathered is governed by the privacy policy of each social platform, which you can find on the list below in Paragraph 5 of our Cookie Policy.

5.- Cookie management

You must keep in mind that if your Device does not have cookies enabled, your experience on the Website may be limited, thereby impeding the navigation and use of our services.

5.1.- How do I disable/enable cookies?

There are a number of ways to manage cookies. By modifying your browser settings, you can opt to disable cookies or receive a notification before accepting them. You can also erase all cookies installed in your browser's cookie folder. Keep in mind that each browser has a different procedure for managing and configuring cookies. Here's how you manage cookies in the various major browsers:

MICROSOFT WINDOWS EXPLORER
GOOGLE CHROME
MOZILLA FIREFOX
APPLE SAFARI

If you use another browser, please read its help menu for more information.

If you would like information about managing cookies on your tablet or smartphone, please read the related documentation or help archives online.

5.2.- How are third party cookies enabled/disabled?

We do not install third party cookies. They are installed by our partners or other third parties

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  대출이자 계산기

대출금, 연이율, 대출기간, 거치기간(거치후 원리금균등분할상환 방식을 위해 필요)을 입력하면 기간에 따른 상환할 대출이자와 원금이 계산됩니다.

원금균등분할상환,원리금균등분할상환,거치후 원리금균등분할상환,만기일시상환 방식의 대출이자 계산이 가능합니다.

대출원금 
이율 
%
대출기간 
개월
거치기간 
개월
  
거치기간은 '거치후 원리금균등분할상환'방식의 대출상환을 계산하기 위해 필요합니다.
대출 방법별 이자 비교
상환원금상환이자입금합계
원금균등분할상환1,000,00016,2431,016,243
원리금균등분할상환1,000,00016,3191,016,319
거치후 원리금균등분할상환1,000,00023,7651,023,765
만기일시상환1,000,00030,0001,030,000
실제 대출시에는 1일 기준으로 이자가 책정되므로 한달이 28일인 2월은 이자가 조금 적고, 한달이 31일은 3월은 이자가 조금 많은 식으로 미묘하게 매월 이자액수가 조금씩 달라질 수 있으나, 본 사이트에서는 균등하게 나누어 게재되고 있습니다.
원금균등분할상환 이자계산
매월 동일한 액수를 원금에서 갚아 나가며, 갚고 남은 금액에 대한 이자를 다음에 납입하는 방식입니다. 대출방식 중, 가장 적은 이자를 지불하며 시간이 갈 수록 이자의 액수가 줄어들게 되므로 경제적으로 가장 손해가 적으며 대출 상품중에서 대출 직후 부담이 가장 큰 상품입니다. 원금균등분할상환의 방식으로 1,000,000원을 3%의 이율로 12개월간 빌리는 경우, 다음과 같은 방식으로 이자와 원금을 지불하게 됩니다.
회차상환원금상환이자입금합계잔금
183,3332,50085,833916,667
283,3332,29285,625833,333
383,3332,08385,417750,000
483,3331,87585,208666,667
583,3331,66785,000583,333
683,3331,45884,792500,000
783,3331,25084,583416,667
883,3331,04284,375333,333
983,33383384,167250,000
1083,33362583,958166,667
1183,33341783,75083,333
1283,33320883,5420
합계1,000,00016,2431,016,2430
원리금균등분할상환 이자계산
대출기간 동안 이자와 원금을 합친 금액이 매월 같도록 계산하여 납입합니다. 매월 납입하는 금액은 같지만 초기에는 이자의 비율이 높고, 시간이 갈 수록 원금의 비율이 높아집니다. 매월 납입하는 금액이 동일하므로 관리가 쉬우며 만기일시상환보다 적은 이자를 내는 것이 장점이나, 대출기간의 중간에 남은 대출액을 모두 상환할 수 있는 여건이 되어 계약기간 보다 빨리 상환한다고 해도 (다른 대출상품과 비교할 때) 큰 이득은 없습니다. 원리금균등분할상환의 방식으로 1,000,000원을 3%의 이율로 12개월간 빌리는 경우, 다음과 같은 방식으로 이자와 원금을 지불하게 됩니다.
회차상환원금상환이자입금합계잔금
182,1942,50084,694917,806
282,3992,29584,694835,407
382,6052,08984,694752,802
482,8121,88284,694669,990
583,0191,67584,694586,972
683,2261,46784,694503,745
783,4341,25984,694420,311
883,6431,05184,694336,668
983,85284284,694252,816
1084,06263284,694168,754
1184,27242284,69484,482
1284,48221184,6940
합계1,000,00016,3191,016,3190
거치후 원리금균등분할상환 이자계산
처음 일정기간 동안은 이자만 갚아가다 특정 시점부터는 대출기간 동안 이자와 원금을 합친 금액이 매월 같도록 계산하여 납입합니다. 다시 말해, 처음에는 만기일시상환방식으로 진행하다가 도중에 원리금균등분할상환으로 전환되는 방식입니다. 한동안 이자만 내면 되므로 초기 부담이 적으며, 중도부터 원금도 갚아나가므로 만기일시상환보다 이자 부담도 줄어듭니다. 원리금균등분할상환, 원금균등분할상환과 비교해 보다 많은 이자를 지불하여야 합니다. 거치후 원리금균등분할상환의 방식으로 1,000,000원을 3%의 이율로 12개월간 빌리는 경우, 다음과 같은 방식으로 이자와 원금을 지불하게 됩니다.
회차상환원금상환이자입금합계잔금
102,5002,5001,000,000
202,5002,5001,000,000
302,5002,5001,000,000
402,5002,5001,000,000
502,5002,5001,000,000
602,5002,5001,000,000
7165,6282,500168,128834,372
8166,0422,086168,128668,330
9166,4571,671168,128501,873
10166,8731,255168,128334,999
11167,291837168,128167,709
12167,709419168,1280
합계1,000,00023,7651,023,7650
만기일시상환 이자계산
대출 후 매월 원금에 대한 이자만 납입하고 최종 대출 반환일에 마지막 이자와 원금을 함께 납입합니다. 매월 이자만 내면 되므로 마지막 반환일까지는 부담이 가장 적습니다. 대출 기간 동안 낸 이자를 모두 합한 금액이 다른 대출방식과 비교해 가장 많으며, 매회 원금을 조금씩 갚아가는 다른 상품과 달리 마지막 반환일에 모든 원금을 준비해야 하므로 이 부분도 부담이 될 수 있습니다. 만기일시상환의 방식으로 1,000,000원을 3%의 이율로 12개월간 빌리는 경우, 다음과 같은 방식으로 이자와 원금을 지불하게 됩니다.
회차상환원금상환이자입금합계잔금
102,5002,5001,000,000
202,5002,5001,000,000
302,5002,5001,000,000
402,5002,5001,000,000
502,5002,5001,000,000
602,5002,5001,000,000
702,5002,5001,000,000
802,5002,5001,000,000
902,5002,5001,000,000
1002,5002,5001,000,000
1102,5002,5001,000,000
121,000,0002,5001,002,5000
합계1,000,00030,0001,030,0000

4가지 방식의 대출이자를 한번에 계산해주므로 비교가 쉽습니다.

Related Tags
대출 상환 계산기대출 이자 계산대출 이자 계산기 엑셀은행 대출 이자 계산기농협 대출 이자 계산기원금균등분할상환원리금균등분할상환거치후 원리금균등분할상환만기일시상환
대출이자 계산기 - Hi!Penpal!
This site uses cookies. By continuing to browse the site you accept the use of cookies. Cookie Policy OK
INFORMATION REGARDING COOKIES

1.- Introduction

This information sheet serves to inform you about our website's ("Website" - hereinafter referred to as "hipenpal.com", "We", "Us", "Our/s") Cookie Policy, so that you may better understand the use of cookies during your navigation and provide your consent thereto.

It is understood that by continuing to navigate on this Website you are consenting to the use of cookies, as specifically indicated in the notice on the front page ("Homepage") reporting the existence of our Cookie Policy.

2.- What are cookies?

Cookies are small files which are stored on your computer, they hold a modest amount of data specific to you and allows a server to deliver a page tailored to you on your computer, hard drive, smartphone or tablet (hereinafter referred to as, "Device"). Later on, if you return to our Website, it can read and recognise the cookies. Primarily, they are used to operate or improve the way our Website works as well as to provide business and marketing information to the Website owner.

3.- Authorisation for the use of cookies on our Website

In accordance with the notice of cookie usage appearing on our Website's homepage and our Cookie Policy you agree that, when browsing our Website, you consent to the use of cookies described herein, except to the extent that you have modified your browser settings to disable their use. This includes but is not limited to browsing our Website to complete any of the following actions: closing the cookie notice on the Homepage, scrolling through the Website, clicking on any element of the Website, etc.

4.- Types of cookies used on our Website

4.1. Types of cookies according to the managing entity

Depending on what entity manages the computer or domain from which the cookies are sent and processed, there exist the following types of cookies:

First party cookies: these are sent to your Device from a computer or domain managed by us and from which the service you requested is provided.

Third party cookies: these are sent to your Device from a computer or domain that is not managed by us, but by a separate entity that processes data obtained through cookies.

4.2. Types of cookies according to the length of time you stay connected:

Depending on the amount of time you remain active on your Device, these are the following types of cookies:

Session cookies: these are designed to receive and store data while you access the Website. These cookies do not remain stored on your Device when you exit the session or browser.

Persistent cookies: these types of cookies remain stored on your Device and can be accessed and processed after you exit the Website as well as when you navigate on it for a pre-determined period of time. The cookie remains on the hard drive until it reaches its expiration date. The maximum time we use persistent cookies on our Website is 2 years. At this point the browser would purge the cookie from the hard drive.

4.3. Types of cookies according to their purpose

Cookies can be grouped as follows:

a. Technical cookies: these cookies are strictly necessary for the operation of our Website and are essential for browsing and allow the use of various features. Without them, you cannot use the search function, compare tool or book other available services on our Website.

b. Personalisation cookies: these are used to make navigating our Website easier, as well as to remember your selections and offer more personalised services. In some cases, we may allow advertisers or other third parties to place cookies on our Website to provide personalised content and services. In any case, your use of our Website serves as your acceptance of the use of this type of cookie. If cookies are blocked, we cannot guarantee the functioning of such services.

c. Analytical cookies for statistical purposes and measuring traffic: these cookies gather information about your use of our Website, the pages you visit and any errors that may occur during navigation. We also use these cookies to recognise the place of origin for visits to our Website. These cookies do not gather information that may personally identify you. All information is collected in an anonymous manner and is used to improve the functioning of our Website through statistical information. Therefore, these cookies do not contain personal data. In some cases, some of these cookies are managed on our behalf by third parties, but may not be used by them for purposes other than those mentioned above.

d. Advertising and re-marketing cookies: these cookies are used to gather information so that ads are more interesting to you, as well as to display other advertising campaigns along with advertisements on the Website or on those of third parties. Most of these cookies are "third party cookies" which are not managed by us and, because of the way they work, cannot be accessed by us, nor are we responsible for their management or purpose. Our Privacy Policy contains more information about the way third party cookies work, their purpose and how they are used. You may find this information in the list of cookies available in Clause 5 of our Cookie Policy.

To that end, we can also use the services of a third party in order to collect data and/or publish ads when you visit our Website. These companies often use anonymous and aggregated information (not including, for example, your name, address, email address or telephone number) regarding visits to this Website and others in order to publish ads about goods and services of interest to you.

e. Social cookies: these cookies allow you to share our Website and click "Like" on social networks like Facebook, Twitter, Google+, and YouTube, etc. They also allow you interact with each distinct platform's contents. The way these cookies are used and the information gathered is governed by the privacy policy of each social platform, which you can find on the list below in Paragraph 5 of our Cookie Policy.

5.- Cookie management

You must keep in mind that if your Device does not have cookies enabled, your experience on the Website may be limited, thereby impeding the navigation and use of our services.

5.1.- How do I disable/enable cookies?

There are a number of ways to manage cookies. By modifying your browser settings, you can opt to disable cookies or receive a notification before accepting them. You can also erase all cookies installed in your browser's cookie folder. Keep in mind that each browser has a different procedure for managing and configuring cookies. Here's how you manage cookies in the various major browsers:

MICROSOFT WINDOWS EXPLORER
GOOGLE CHROME
MOZILLA FIREFOX
APPLE SAFARI

If you use another browser, please read its help menu for more information.

If you would like information about managing cookies on your tablet or smartphone, please read the related documentation or help archives online.

5.2.- How are third party cookies enabled/disabled?

We do not install third party cookies. They are installed by our partners or other third parties

≡≡Ltool MENU
추천사이트
영어
중국어
일본어
한국어
문자열/자료정리
세계/여행
날짜
경제/금융
HTML, CSS, 인터넷

  대출이자 계산기

대출금, 연이율, 대출기간, 거치기간(거치후 원리금균등분할상환 방식을 위해 필요)을 입력하면 기간에 따른 상환할 대출이자와 원금이 계산됩니다.

원금균등분할상환,원리금균등분할상환,거치후 원리금균등분할상환,만기일시상환 방식의 대출이자 계산이 가능합니다.

대출원금 
이율 
%
대출기간 
개월
거치기간 
개월
  
거치기간은 '거치후 원리금균등분할상환'방식의 대출상환을 계산하기 위해 필요합니다.
대출 방법별 이자 비교
상환원금상환이자입금합계
원금균등분할상환1,000,00016,2431,016,243
원리금균등분할상환1,000,00016,3191,016,319
거치후 원리금균등분할상환1,000,00023,7651,023,765
만기일시상환1,000,00030,0001,030,000
실제 대출시에는 1일 기준으로 이자가 책정되므로 한달이 28일인 2월은 이자가 조금 적고, 한달이 31일은 3월은 이자가 조금 많은 식으로 미묘하게 매월 이자액수가 조금씩 달라질 수 있으나, 본 사이트에서는 균등하게 나누어 게재되고 있습니다.
원금균등분할상환 이자계산
매월 동일한 액수를 원금에서 갚아 나가며, 갚고 남은 금액에 대한 이자를 다음에 납입하는 방식입니다. 대출방식 중, 가장 적은 이자를 지불하며 시간이 갈 수록 이자의 액수가 줄어들게 되므로 경제적으로 가장 손해가 적으며 대출 상품중에서 대출 직후 부담이 가장 큰 상품입니다. 원금균등분할상환의 방식으로 1,000,000원을 3%의 이율로 12개월간 빌리는 경우, 다음과 같은 방식으로 이자와 원금을 지불하게 됩니다.
회차상환원금상환이자입금합계잔금
183,3332,50085,833916,667
283,3332,29285,625833,333
383,3332,08385,417750,000
483,3331,87585,208666,667
583,3331,66785,000583,333
683,3331,45884,792500,000
783,3331,25084,583416,667
883,3331,04284,375333,333
983,33383384,167250,000
1083,33362583,958166,667
1183,33341783,75083,333
1283,33320883,5420
합계1,000,00016,2431,016,2430
원리금균등분할상환 이자계산
대출기간 동안 이자와 원금을 합친 금액이 매월 같도록 계산하여 납입합니다. 매월 납입하는 금액은 같지만 초기에는 이자의 비율이 높고, 시간이 갈 수록 원금의 비율이 높아집니다. 매월 납입하는 금액이 동일하므로 관리가 쉬우며 만기일시상환보다 적은 이자를 내는 것이 장점이나, 대출기간의 중간에 남은 대출액을 모두 상환할 수 있는 여건이 되어 계약기간 보다 빨리 상환한다고 해도 (다른 대출상품과 비교할 때) 큰 이득은 없습니다. 원리금균등분할상환의 방식으로 1,000,000원을 3%의 이율로 12개월간 빌리는 경우, 다음과 같은 방식으로 이자와 원금을 지불하게 됩니다.
회차상환원금상환이자입금합계잔금
182,1942,50084,694917,806
282,3992,29584,694835,407
382,6052,08984,694752,802
482,8121,88284,694669,990
583,0191,67584,694586,972
683,2261,46784,694503,745
783,4341,25984,694420,311
883,6431,05184,694336,668
983,85284284,694252,816
1084,06263284,694168,754
1184,27242284,69484,482
1284,48221184,6940
합계1,000,00016,3191,016,3190
거치후 원리금균등분할상환 이자계산
처음 일정기간 동안은 이자만 갚아가다 특정 시점부터는 대출기간 동안 이자와 원금을 합친 금액이 매월 같도록 계산하여 납입합니다. 다시 말해, 처음에는 만기일시상환방식으로 진행하다가 도중에 원리금균등분할상환으로 전환되는 방식입니다. 한동안 이자만 내면 되므로 초기 부담이 적으며, 중도부터 원금도 갚아나가므로 만기일시상환보다 이자 부담도 줄어듭니다. 원리금균등분할상환, 원금균등분할상환과 비교해 보다 많은 이자를 지불하여야 합니다. 거치후 원리금균등분할상환의 방식으로 1,000,000원을 3%의 이율로 12개월간 빌리는 경우, 다음과 같은 방식으로 이자와 원금을 지불하게 됩니다.
회차상환원금상환이자입금합계잔금
102,5002,5001,000,000
202,5002,5001,000,000
302,5002,5001,000,000
402,5002,5001,000,000
502,5002,5001,000,000
602,5002,5001,000,000
7165,6282,500168,128834,372
8166,0422,086168,128668,330
9166,4571,671168,128501,873
10166,8731,255168,128334,999
11167,291837168,128167,709
12167,709419168,1280
합계1,000,00023,7651,023,7650
만기일시상환 이자계산
대출 후 매월 원금에 대한 이자만 납입하고 최종 대출 반환일에 마지막 이자와 원금을 함께 납입합니다. 매월 이자만 내면 되므로 마지막 반환일까지는 부담이 가장 적습니다. 대출 기간 동안 낸 이자를 모두 합한 금액이 다른 대출방식과 비교해 가장 많으며, 매회 원금을 조금씩 갚아가는 다른 상품과 달리 마지막 반환일에 모든 원금을 준비해야 하므로 이 부분도 부담이 될 수 있습니다. 만기일시상환의 방식으로 1,000,000원을 3%의 이율로 12개월간 빌리는 경우, 다음과 같은 방식으로 이자와 원금을 지불하게 됩니다.
회차상환원금상환이자입금합계잔금
102,5002,5001,000,000
202,5002,5001,000,000
302,5002,5001,000,000
402,5002,5001,000,000
502,5002,5001,000,000
602,5002,5001,000,000
702,5002,5001,000,000
802,5002,5001,000,000
902,5002,5001,000,000
1002,5002,5001,000,000
1102,5002,5001,000,000
121,000,0002,5001,002,5000
합계1,000,00030,0001,030,0000

4가지 방식의 대출이자를 한번에 계산해주므로 비교가 쉽습니다.

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