대출 상환 계산
원리금균등/원금균등 월 상환액 계산.
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FAQ（5）
Equal payment vs equal principal?
Equal payment keeps the monthly amount fixed; equal principal reduces interest faster with a falling payment. LocalKit processes everything locally in your browser—nothing is uploaded and no account is required. Results are estimates only and not financial advice.
Is the rate nominal annual?
Enter the advertised annual rate; the tool divides by 12 for monthly periods. LocalKit processes everything locally in your browser—nothing is uploaded and no account is required. Results are estimates only and not financial advice.
Are taxes and insurance included?
No — principal and interest only. LocalKit processes everything locally in your browser—nothing is uploaded and no account is required. Results are estimates only and not financial advice.
Can I model early repayment?
Not in this version; use fewer years as a rough proxy. LocalKit processes everything locally in your browser—nothing is uploaded and no account is required. Results are estimates only and not financial advice.
Is my loan data uploaded?
Never. Inputs stay on your device. LocalKit processes everything locally in your browser—nothing is uploaded and no account is required. Results are estimates only and not financial advice.