Bereken maandelijkse aflossing van je lening.
Een lening kan je op verschillende manieren aflossen:
Indien je kiest om je lening af te betalen met een vaste kapitaalsaflossing, vermindert het maandelijks te betalen bedrag, in tegenstelling tot de aflossing in vaste termijnen.
Bij een aflossing van je lening in vaste termijnen, betaal je in totaal meer rente dan bij de aflossing met vast kapitaal. Als je een lening aangaat met variabele rente (herzienbare rente), doe je er goed aan te kiezen voor de vaste kapitaalsaflossing. Als de rente stijgt, wordt de verhoging van het maandelijks af te betalen bedrag van je lening nl. gecompenseerd door de maandelijkse daling van het te betalen bedrag...
Indien je enkel de rente aflost, en geen kapitaal, dan betaal je maandelijks een vast bedrag aan interest (het ontleende kapitaal blijft immers constant). Op het einde van de leenperiode moet je het volledige kapitaal terugbetalen.
Om de maandelijkse aflossing van je lening te berekenen, heb je drie parameters nodig:
Vul deze gegevens in, kies de aflossingsmethode (vast maandelijks bedrag of aflossing vast kapitaal) en klik Bereken maandelijkse aflossing.
U heeft gekozen voor de aflossingsmethode: vaste maandelijkse aflossing.
Hieronder vindt u een gedetailleerde tabel met de verdeling tussen rente en aflossing voor het bedrag van € 25000 met looptijd 10 jaar.
| Maand | Betaling | Rente | Aflossing | Resterend Bedrag |
|---|---|---|---|---|
| Maand 1 | €265.16 | €104.17 | €161.00 | €24839.00 |
| Maand 2 | €265.16 | €103.50 | €161.67 | €24677.33 |
| Maand 3 | €265.16 | €102.82 | €162.34 | €24514.99 |
| Maand 4 | €265.16 | €102.15 | €163.02 | €24351.98 |
| Maand 5 | €265.16 | €101.47 | €163.70 | €24188.28 |
| Maand 6 | €265.16 | €100.78 | €164.38 | €24023.90 |
| Maand 7 | €265.16 | €100.10 | €165.06 | €23858.83 |
| Maand 8 | €265.16 | €99.41 | €165.75 | €23693.08 |
| Maand 9 | €265.16 | €98.72 | €166.44 | €23526.64 |
| Maand 10 | €265.16 | €98.03 | €167.14 | €23359.50 |
| Maand 11 | €265.16 | €97.33 | €167.83 | €23191.67 |
| Maand 12 | €265.16 | €96.63 | €168.53 | €23023.14 |
| Maand 13 | €265.16 | €95.93 | €169.23 | €22853.91 |
| Maand 14 | €265.16 | €95.22 | €169.94 | €22683.97 |
| Maand 15 | €265.16 | €94.52 | €170.65 | €22513.32 |
| Maand 16 | €265.16 | €93.81 | €171.36 | €22341.96 |
| Maand 17 | €265.16 | €93.09 | €172.07 | €22169.89 |
| Maand 18 | €265.16 | €92.37 | €172.79 | €21997.10 |
| Maand 19 | €265.16 | €91.65 | €173.51 | €21823.59 |
| Maand 20 | €265.16 | €90.93 | €174.23 | €21649.36 |
| Maand 21 | €265.16 | €90.21 | €174.96 | €21474.40 |
| Maand 22 | €265.16 | €89.48 | €175.69 | €21298.71 |
| Maand 23 | €265.16 | €88.74 | €176.42 | €21122.29 |
| Maand 24 | €265.16 | €88.01 | €177.15 | €20945.14 |
| Maand 25 | €265.16 | €87.27 | €177.89 | €20767.25 |
| Maand 26 | €265.16 | €86.53 | €178.63 | €20588.61 |
| Maand 27 | €265.16 | €85.79 | €179.38 | €20409.24 |
| Maand 28 | €265.16 | €85.04 | €180.13 | €20229.11 |
| Maand 29 | €265.16 | €84.29 | €180.88 | €20048.23 |
| Maand 30 | €265.16 | €83.53 | €181.63 | €19866.60 |
| Maand 31 | €265.16 | €82.78 | €182.39 | €19684.22 |
| Maand 32 | €265.16 | €82.02 | €183.15 | €19501.07 |
| Maand 33 | €265.16 | €81.25 | €183.91 | €19317.16 |
| Maand 34 | €265.16 | €80.49 | €184.68 | €19132.49 |
| Maand 35 | €265.16 | €79.72 | €185.45 | €18947.04 |
| Maand 36 | €265.16 | €78.95 | €186.22 | €18760.82 |
| Maand 37 | €265.16 | €78.17 | €186.99 | €18573.83 |
| Maand 38 | €265.16 | €77.39 | €187.77 | €18386.06 |
| Maand 39 | €265.16 | €76.61 | €188.56 | €18197.50 |
| Maand 40 | €265.16 | €75.82 | €189.34 | €18008.16 |
| Maand 41 | €265.16 | €75.03 | €190.13 | €17818.03 |
| Maand 42 | €265.16 | €74.24 | €190.92 | €17627.11 |
| Maand 43 | €265.16 | €73.45 | €191.72 | €17435.39 |
| Maand 44 | €265.16 | €72.65 | €192.52 | €17242.88 |
| Maand 45 | €265.16 | €71.85 | €193.32 | €17049.56 |
| Maand 46 | €265.16 | €71.04 | €194.12 | €16855.43 |
| Maand 47 | €265.16 | €70.23 | €194.93 | €16660.50 |
| Maand 48 | €265.16 | €69.42 | €195.75 | €16464.76 |
| Maand 49 | €265.16 | €68.60 | €196.56 | €16268.20 |
| Maand 50 | €265.16 | €67.78 | €197.38 | €16070.82 |
| Maand 51 | €265.16 | €66.96 | €198.20 | €15872.61 |
| Maand 52 | €265.16 | €66.14 | €199.03 | €15673.59 |
| Maand 53 | €265.16 | €65.31 | €199.86 | €15473.73 |
| Maand 54 | €265.16 | €64.47 | €200.69 | €15273.04 |
| Maand 55 | €265.16 | €63.64 | €201.53 | €15071.51 |
| Maand 56 | €265.16 | €62.80 | €202.37 | €14869.15 |
| Maand 57 | €265.16 | €61.95 | €203.21 | €14665.94 |
| Maand 58 | €265.16 | €61.11 | €204.06 | €14461.88 |
| Maand 59 | €265.16 | €60.26 | €204.91 | €14256.98 |
| Maand 60 | €265.16 | €59.40 | €205.76 | €14051.22 |
| Maand 61 | €265.16 | €58.55 | €206.62 | €13844.60 |
| Maand 62 | €265.16 | €57.69 | €207.48 | €13637.12 |
| Maand 63 | €265.16 | €56.82 | €208.34 | €13428.78 |
| Maand 64 | €265.16 | €55.95 | €209.21 | €13219.57 |
| Maand 65 | €265.16 | €55.08 | €210.08 | €13009.49 |
| Maand 66 | €265.16 | €54.21 | €210.96 | €12798.53 |
| Maand 67 | €265.16 | €53.33 | €211.84 | €12586.69 |
| Maand 68 | €265.16 | €52.44 | €212.72 | €12373.97 |
| Maand 69 | €265.16 | €51.56 | €213.61 | €12160.37 |
| Maand 70 | €265.16 | €50.67 | €214.50 | €11945.87 |
| Maand 71 | €265.16 | €49.77 | €215.39 | €11730.48 |
| Maand 72 | €265.16 | €48.88 | €216.29 | €11514.20 |
| Maand 73 | €265.16 | €47.98 | €217.19 | €11297.01 |
| Maand 74 | €265.16 | €47.07 | €218.09 | €11078.91 |
| Maand 75 | €265.16 | €46.16 | €219.00 | €10859.91 |
| Maand 76 | €265.16 | €45.25 | €219.91 | €10640.00 |
| Maand 77 | €265.16 | €44.33 | €220.83 | €10419.17 |
| Maand 78 | €265.16 | €43.41 | €221.75 | €10197.42 |
| Maand 79 | €265.16 | €42.49 | €222.67 | €9974.74 |
| Maand 80 | €265.16 | €41.56 | €223.60 | €9751.14 |
| Maand 81 | €265.16 | €40.63 | €224.53 | €9526.61 |
| Maand 82 | €265.16 | €39.69 | €225.47 | €9301.14 |
| Maand 83 | €265.16 | €38.75 | €226.41 | €9074.73 |
| Maand 84 | €265.16 | €37.81 | €227.35 | €8847.38 |
| Maand 85 | €265.16 | €36.86 | €228.30 | €8619.08 |
| Maand 86 | €265.16 | €35.91 | €229.25 | €8389.83 |
| Maand 87 | €265.16 | €34.96 | €230.21 | €8159.62 |
| Maand 88 | €265.16 | €34.00 | €231.17 | €7928.45 |
| Maand 89 | €265.16 | €33.04 | €232.13 | €7696.32 |
| Maand 90 | €265.16 | €32.07 | €233.10 | €7463.23 |
| Maand 91 | €265.16 | €31.10 | €234.07 | €7229.16 |
| Maand 92 | €265.16 | €30.12 | €235.04 | €6994.12 |
| Maand 93 | €265.16 | €29.14 | €236.02 | €6758.10 |
| Maand 94 | €265.16 | €28.16 | €237.01 | €6521.09 |
| Maand 95 | €265.16 | €27.17 | €237.99 | €6283.10 |
| Maand 96 | €265.16 | €26.18 | €238.98 | €6044.12 |
| Maand 97 | €265.16 | €25.18 | €239.98 | €5804.14 |
| Maand 98 | €265.16 | €24.18 | €240.98 | €5563.16 |
| Maand 99 | €265.16 | €23.18 | €241.98 | €5321.17 |
| Maand 100 | €265.16 | €22.17 | €242.99 | €5078.18 |
| Maand 101 | €265.16 | €21.16 | €244.00 | €4834.18 |
| Maand 102 | €265.16 | €20.14 | €245.02 | €4589.15 |
| Maand 103 | €265.16 | €19.12 | €246.04 | €4343.11 |
| Maand 104 | €265.16 | €18.10 | €247.07 | €4096.04 |
| Maand 105 | €265.16 | €17.07 | €248.10 | €3847.95 |
| Maand 106 | €265.16 | €16.03 | €249.13 | €3598.82 |
| Maand 107 | €265.16 | €15.00 | €250.17 | €3348.65 |
| Maand 108 | €265.16 | €13.95 | €251.21 | €3097.44 |
| Maand 109 | €265.16 | €12.91 | €252.26 | €2845.18 |
| Maand 110 | €265.16 | €11.85 | €253.31 | €2591.87 |
| Maand 111 | €265.16 | €10.80 | €254.36 | €2337.51 |
| Maand 112 | €265.16 | €9.74 | €255.42 | €2082.08 |
| Maand 113 | €265.16 | €8.68 | €256.49 | €1825.59 |
| Maand 114 | €265.16 | €7.61 | €257.56 | €1568.04 |
| Maand 115 | €265.16 | €6.53 | €258.63 | €1309.41 |
| Maand 116 | €265.16 | €5.46 | €259.71 | €1049.70 |
| Maand 117 | €265.16 | €4.37 | €260.79 | €788.91 |
| Maand 118 | €265.16 | €3.29 | €261.88 | €527.03 |
| Maand 119 | €265.16 | €2.20 | €262.97 | €264.06 |
| Maand 120 | €265.16 | €1.10 | €264.06 | €-0.00 |