工具 · 计算器
一次性手续费转实际利率计算器
把任何固定期限融资的一次性手续费，换算成预计的年化有效利率（EIR）。
Your offer
This assumes the fee is added to what you owe and you make the same payment at the end of each month.
Effective annual rate (EIR)
3.47%
This compares the cash you receive today with the monthly payments you make later.
Monthly payment
RM 168.33
Fee
RM 10.00
Total to repay
RM 1,010.00
Why the rate is higher than the fee
You pay the fee based on the original amount, but you repay the balance over time. The effective rate accounts for both, so it is not just the fee times twelve.