{"id":24859,"date":"2021-07-09T23:00:00","date_gmt":"2021-07-09T23:00:00","guid":{"rendered":"https:\/\/senhorpanda.com\/?p=24859"},"modified":"2021-07-08T00:37:02","modified_gmt":"2021-07-08T00:37:02","slug":"como-calcular-juros-de-emprestimo-ou-divida","status":"publish","type":"post","link":"https:\/\/senhorpanda.com\/en\/como-calcular-juros-de-emprestimo-ou-divida\/","title":{"rendered":"How to calculate loan or debt interest?"},"content":{"rendered":"<!--advertisement--><div class=\"mx-5 sm:mx-0 sm:text-3xl text-2xl font-medium title-font mb-4 text-gray-900 text-left\">\n<h2 id=\"0-entenda-como-%C3%A9-o-c%C3%A1lculo-de-juros-de-empr%C3%A9stimos-\"><strong>Understand how loan interest is calculated<\/strong><\/h2>\n<\/div><!--image--><div class=\"px-5 sm:px-0 w-full sm:w-[800px] sm:ml-[50%] sm:-translate-x-2\/4 rounded-lg overflow-hidden mb-5 text-center\">\n<figure class=\"wp-block-uploadcare-image\"><img loading=\"lazy\" alt=\"Como calcular juros de empr\u00e9stimo ou d\u00edvida? Imagem: investir sardinha\"  id=\"24861\" src=\"https:\/\/ucarecdn.com\/1cecf003-4289-4d10-a70f-3ff7744aa7d4\/\" class=\"w-full object-cover object-center border mx-auto uploadcare-image\"\/><figcaption class=\"mt-5 text-xs text-center border-b pb-4\" >How to calculate interest on a loan or debt? Image: invest sardines<\/figcaption><\/figure>\n<\/div><!--image--><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Initially, the idea of taking out a loan to pay off a debt may be a great alternative, but what if you don&#039;t pay the loan on time and the debt amounts accumulate? How do I calculate interest on a loan or debt?<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>The fact is that if you don&#039;t know about calculating interest and the difference between simple and compound interest, don&#039;t worry. Well, today we&#039;re going to tell you everything about loan interest!<\/p>\n<\/div><!--advertisement--><div class=\"mx-5 sm:mx-0 sm:text-3xl text-2xl font-medium title-font mb-4 text-gray-900 text-left\">\n<h2 id=\"1-o-que-s%C3%A3o-e-como-funcionam-os-juros-de-empr%C3%A9stimo-\"><strong>What is loan interest and how does it work?<\/strong><\/h2>\n<\/div><!--image--><div class=\"px-5 sm:px-0 w-full sm:w-[800px] sm:ml-[50%] sm:-translate-x-2\/4 rounded-lg overflow-hidden mb-5 text-center\">\n<figure class=\"wp-block-uploadcare-image\"><img loading=\"lazy\" alt=\"Como calcular juros de empr\u00e9stimo ou d\u00edvida? Imagem: o liberal\"  id=\"24865\" src=\"https:\/\/ucarecdn.com\/7abb580c-2f2f-408b-b024-68ebdabb972b\/\" class=\"w-full object-cover object-center border mx-auto uploadcare-image\"\/><figcaption class=\"mt-5 text-xs text-center border-b pb-4\" >How to calculate interest on a loan or debt? Image: the liberal<\/figcaption><\/figure>\n<\/div><!--image--><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>So, loan interest is the remuneration that the creditor receives for the loan borrowed. This means that the person or financial institution that provided the credit, that is, the money, receives a percentage of this value \u2013 the loan interest.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>This is because they serve to cover transaction costs and are responsible for the creditor&#039;s profit. <\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>It is important to mention that the person or financial institution that provides the loan money is called the creditor. On the other hand, the individual who receives the credit is called the debtor.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Therefore, loan interest needs to be well calculated so that it does not become a big snowball full of debts!<\/p>\n<\/div><div class=\"wp-block-lazyblock-cta lazyblock-cta-Z1xRS4W\">\n  <section class=\"cta mx-5 sm:mx-0 text-gray-600 body-font my-10 border-gray-200 border-b border-l border-r sm:border-0\">\n    <div class=\"h-1 bg-gray-200 rounded overflow-hidden\">\n      <div class=\"w-24 h-full\"><\/div>\n    <\/div>\n    <div class=\"container px-5 pt-6 pb-6 mx-auto flex flex-wrap\" data-anchor-target=\"lazyBlock\">    \n    \n              <a class=\"flex flex-wrap content-center w-full mb-4 md:hidden\" href=\"https:\/\/senhorpanda.com\/en\/10-emprestimos-com-as-menores-taxas-de-juros\/\"  data-analytics-label=\"ctaImage\" data-action=\"analytics#trackCTA\" aria-label=\"10 loans with the lowest interest rates\">\n          <div class=\"m-auto float-none\">\n            <img loading=\"lazy\" src=\"https:\/\/cdn.adtechpanda.com\/8d30da4f-a114-4a9c-84a2-dc89ae963fae\/\" alt=\"\">\n          <\/div>\n        <\/a>\n            <h2 class=\"w-full sm:text-3xl text-2xl text-gray-900 font-medium title-font mb-2 text-center md:text-left md:w-2\/5\">\n        <a href=\"https:\/\/senhorpanda.com\/en\/10-emprestimos-com-as-menores-taxas-de-juros\/\" data-analytics-label=\"ctaTitle\" data-action=\"analytics#trackCTA\" aria-label=\"10 loans with the lowest interest rates\">\n            10 loans with the lowest interest rates        <\/a>\n      <\/h2>\n      <div class=\"w-full md:w-3\/5 md:pl-6\">\n        <p class=\"text-center md:text-left leading-relaxed text-base\">\n            Do you need urgent money to clear your name? Get to know the loans with the lowest interest rates to take back the reins of your financial life.\n\n        <\/p>\n        <div class=\"flex mt-6 w-full flex-1 justify-center ml-auto md:mt-4 md:justify-start\" style=\"font-weight: bold;\">\n          <a class=\"inline-flex items-center\" href=\"https:\/\/senhorpanda.com\/en\/10-emprestimos-com-as-menores-taxas-de-juros\/\"  data-analytics-label=\"ctaButton\" data-action=\"analytics#trackCTA\" >\n            Keep Reading            <svg fill=\"none\" stroke=\"currentColor\" stroke-linecap=\"round\" stroke-linejoin=\"round\" stroke-width=\"2\" class=\"w-4 h-4 ml-2\" viewbox=\"0 0 24 24\">\n              <path d=\"M5 12h14M12 5l7 7-7 7\"><\/path>\n            <\/svg>\n          <\/a>\n        <\/div>\n      <\/div>  \n          \n    <\/div>\n      <script type=\"module\"> function waitFor(conditionFunction) { const poll = resolve => { if(conditionFunction()) resolve(); else setTimeout(_ => poll(resolve), 400); }; return new Promise(poll); } import { Application, Controller } from \"\/wp-content\/themes\/twentytwentyone\/assets\/js\/stimulus.min.js\"; let Stimulus = Application.start(); Stimulus.register(\"anchor\", class extends Controller { static get targets() { return [ \"lazyBlock\", \"lazyBlockAnchor\" ]; } initialize() { this.active = false; this.passed = false; this.closed = false; this.anchorViews = 0; this.boundOnShowAnchor = this.onShowAnchor.bind(this); window.anchorReady = window.anchorReady || false; waitFor(_ => (window.scrollY > this.getHeightBlock() && !this.active)) .then(_ => { !window.anchorReady? 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parseInt(sessionStorage.getItem(\"anchorViews\")) : 0; return this.anchorViews; } setAnchorViews(views) { sessionStorage.setItem(\"anchorViews\", views); } getHeightBlock() { return this.lazyBlockTarget.offsetTop + this.lazyBlockTarget.offsetHeight - 110; } }) <\/script>  <div data-anchor-target=\"lazyBlockAnchor\" class=\"fixed w-full sm:w-96 px-3 py-2 bottom-0 left-0 hidden\" style=\"z-index: 999999;\" name=\"lazyBlockAnchor\">\n    <div class=\"grid justify-items-stretch\">        \n              <div class=\"relative justify-self-end top-4 -right-2\">\n          <button class=\"bg-white text-md font-medium text-center rounded-full h-7 w-7 border-2\" data-analytics-label=\"anchorCloseAnchor\" data-action=\"anchor#closeAnchor\" style=\"z-index: 999999;\">\n            X\n          <\/button>\n        <\/div>\n        <div class=\"justify-self-auto flex flex-col h-32 bg-white border-solid border-2 shadow-md rounded-md\">\n          <div class=\"flex my-0 h-full\">\n            <div class=\"w-2\/5 p-1 ml-2 mt-2 w-full\">\n              <a href=\"https:\/\/senhorpanda.com\/en\/10-emprestimos-com-as-menores-taxas-de-juros\/\"  data-analytics-label=\"anchorImage\" data-action=\"analytics#trackCTA\">          \n                <img loading=\"lazy\" alt=\"card\" class=\"w-full object-cover h-24 object-center rounded justify-self-auto border-2 border-gray-100\" src=\"https:\/\/cdn.adtechpanda.com\/8d30da4f-a114-4a9c-84a2-dc89ae963fae\/\">          \n              <\/a>\n            <\/div>\n            <div class=\"w-3\/5 my-2\">\n              <p class=\"px-4 text-center text-xs h-1\/2\">\n                10 loans with the lowest interest rates              <\/p>\n              <a href=\"https:\/\/senhorpanda.com\/en\/10-emprestimos-com-as-menores-taxas-de-juros\/\"  data-analytics-label=\"anchorButton\" data-action=\"analytics#trackCTA\" >\n                <button class=\"flex w-5\/6 m-auto mt-2 border-0 py-1 px-3 focus:outline-none rounded\">                \n                  <p class=\"text-center w-full\" style=\"font-size: 0.67rem;\">\n                    Keep Reading                  <\/p>\n                <\/button>\n              <\/a>\n              <p class=\"text-gray-500 text-center mt-1\" style=\"font-size: 0.50rem;\">\n                You will remain on the same website              <\/p>\n            <\/div>\n          <\/div>\n        <\/div>\n          <\/div>\n  <\/div>\n  <\/section>\n\n<\/div><!--advertisement--><div class=\"mx-5 sm:mx-0 sm:text-3xl text-2xl font-medium title-font mb-4 text-gray-900 text-left\">\n<h2 id=\"2-como-calcular-juros-simples-de-empr%C3%A9stimo-\"><strong>How to calculate simple loan interest?<\/strong><\/h2>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>So, to calculate simple interest on a loan, we\u2019ll take you step by step! <\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Initially, the rate is only applied to the initial capital, this means that debt growth is linear. So, let&#039;s assume you borrowed R$1,000.00 at an interest rate of 10% per year for 3 years. Like this:<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose text-left mb-5\">\n<ul><li><strong>1st year:<\/strong>&nbsp;R$ 1,000.00 to 10% = R$ 1,100.00 (R$ 100.00 interest);<\/li><li><strong>2nd year:<\/strong>&nbsp;R$ 1,100.00 to 10% = R$ 1,200.00 (+ R$ 100.00 interest);<\/li><li><strong>3rd year:<\/strong>&nbsp;R$ 1,200.00 to 10% = R$ 1,300.00 (+ R$ 100.00 interest).<\/li><\/ul>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>In other words, after three years, you will receive around R$1,300.00: the sum of the R$1,00.00 borrowed + R$300 in simple interest. In this case, the interest for each period will be R$100.00.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>This is because the 10% rate is applied to the initial value and does not include interest for the period, as occurs with compound interest. <\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>And in addition, there is also the following mathematical formula: <strong>J = C * i * <\/strong>t where:<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose text-left mb-5\">\n<ul><li>J = Interest<\/li><li>C = Borrowed capital<\/li><li>i = Interest rate for the period<\/li><li>t = Time.<\/li><\/ul>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Thus, applying the formula:<strong>&nbsp;<\/strong>R$ 1,000.00 (C = borrowed capital) to be paid over a period of three years (t = time) at a rate of 10% per year (i = interest rate for the period), the formula will be as follows:<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>J = C * i * t<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose text-left mb-5\">\n<ul><li>J= R$ 1,000.00*0.1*3<\/li><li>J= R$ 300.00.<\/li><\/ul>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>And so, the interest on the interest loan amounts to R$ 300.00, and it is important to mention that the interest rate was transformed into a decimal number, that is, 10% became 0.1.<\/p>\n<\/div><!--advertisement--><div class=\"mx-5 sm:mx-0 sm:text-3xl text-2xl font-medium title-font mb-4 text-gray-900 text-left\">\n<h2 id=\"3-qual-a-f%C3%B3rmula-para-calcular-juros-compostos-\"><strong>What is the formula for calculating compound interest?<\/strong><\/h2>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>And now that you know how to calculate simple interest, we will teach you compound interest step by step. <\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>For this, the first difference in relation to simple interest is the application of the rate which, in the case of compound interest, will be applied to the interest incorporated into the initial capital over time, being called interest on interest.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Therefore, the way compound interest grows is exponential. So, let&#039;s look at the example: Following the same example given by simple interest: Capital of R$1000.00 loaned at a compound interest rate of 10% per year for 3 years.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose text-left mb-5\">\n<ul><li><strong>1st year<\/strong>: R$ 1,000.00 to 10% = R$ 1,100.00 (R$ 100.00 interest)<\/li><li><strong>2nd year<\/strong>: R$ 1,100.00 to 10% = R$ 1,210.00 (+R$ 110.00 interest)<\/li><li><strong>3rd year<\/strong>: R$ 1,210.00 to 10% = R$ 1,331.00 (+R$ 121.00 interest)<\/li><\/ul>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Therefore, removing the R$1,000 (borrowed capital) from the R$1,331.00 (capital + interest for the period), we have R$331.00 of compound interest. Thus, the formula used will be: <strong>M = C(1+i)^t<\/strong> where:<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose text-left mb-5\">\n<ul><li>M = Amount payable<\/li><li>C = Borrowed capital<\/li><li>i = Interest rate<\/li><li>t = Time.<\/li><\/ul>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Where M =R$ 1,000.00*(1+0.1)^3 = R$ 1,000.00*(1,1)^3<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>M = R$ 1,000.00*1.331 = R$ 331.00.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Thus, by subtracting the invested capital from the amount you will discover the interest value, being R$331.00 in interest.<\/p>\n<\/div><!--advertisement--><div class=\"mx-5 sm:mx-0 sm:text-3xl text-2xl font-medium title-font mb-4 text-gray-900 text-left\">\n<h2 id=\"4-como-calcular-juros-compostos-com-parcelas-diferentes-\"><strong>How to calculate compound interest with different installments?<\/strong><\/h2>\n<\/div><!--image--><div class=\"px-5 sm:px-0 w-full sm:w-[800px] sm:ml-[50%] sm:-translate-x-2\/4 rounded-lg overflow-hidden mb-5 text-center\">\n<figure class=\"wp-block-uploadcare-image\"><img loading=\"lazy\" alt=\"Como calcular juros de empr\u00e9stimo ou d\u00edvida? Imagem: konta azul\"  id=\"24868\" src=\"https:\/\/ucarecdn.com\/1c0ae5f8-559b-451b-912e-6f61c27fb113\/\" class=\"w-full object-cover object-center border mx-auto uploadcare-image\"\/><figcaption class=\"mt-5 text-xs text-center border-b pb-4\" >How to calculate interest on a loan or debt? Image: blue konta<\/figcaption><\/figure>\n<\/div><!--image--><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>So, in compound interest, the second installment represents 10% on the value of the previous installment. This means that, assuming that an institution applies a rate of 10% per month to pay off the debt and R$100 is the value of the installment, then in the first month, the interest would be around 10% of this amount.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>That is, R$10 resulting in R$110.00. In this case, the second partnership would represent 10% of R$110, totaling R$121.00, since 10% of R$110.00 is R$11.00. So, the installment amounts will be different each month, but the interest will always represent 10% of the installment paid in the previous month.<\/p>\n<\/div><!--advertisement--><div class=\"mx-5 sm:mx-0 sm:text-3xl text-2xl font-medium title-font mb-4 text-gray-900 text-left\">\n<h2 id=\"5-como-calcular-juros-de-uma-d%C3%ADvida-\"><strong>How to calculate interest on a debt?<\/strong><\/h2>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>So, as we mentioned previously, there are two formulas for calculating interest: simple and compound.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>In this sense, compound interest is the most used formula, being used in the financial market to calculate financing and loans.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>On the other hand, simple interest is uncommon, more used in short-term operations. Therefore, following the step-by-step instructions we taught you above, you will be able to calculate the interest on a debt, so that you can plan for the long term!<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Below is recommended content that can help you on this financial education journey!<\/p>\n<\/div><div class=\"wp-block-lazyblock-cta lazyblock-cta-2eWjG9\">\n  <section class=\"cta mx-5 sm:mx-0 text-gray-600 body-font my-10 border-gray-200 border-b border-l border-r sm:border-0\">\n    <div class=\"h-1 bg-gray-200 rounded overflow-hidden\">\n      <div class=\"w-24 h-full\"><\/div>\n    <\/div>\n    <div class=\"container px-5 pt-6 pb-6 mx-auto flex flex-wrap\" data-anchor-target=\"lazyBlock\">    \n    \n              <a class=\"flex flex-wrap content-center w-full mb-4 md:hidden\" href=\"https:\/\/senhorpanda.com\/en\/vale-a-pena-abrir-uma-poupanca\/\"  data-analytics-label=\"ctaImage\" data-action=\"analytics#trackCTA\" aria-label=\"Is it worth opening a savings account?\">\n          <div class=\"m-auto float-none\">\n            <img loading=\"lazy\" src=\"https:\/\/cdn.adtechpanda.com\/1c0ae5f8-559b-451b-912e-6f61c27fb113\/\" alt=\"\">\n          <\/div>\n        <\/a>\n            <h2 class=\"w-full sm:text-3xl text-2xl text-gray-900 font-medium title-font mb-2 text-center md:text-left md:w-2\/5\">\n        <a href=\"https:\/\/senhorpanda.com\/en\/vale-a-pena-abrir-uma-poupanca\/\" data-analytics-label=\"ctaTitle\" data-action=\"analytics#trackCTA\" aria-label=\"Is it worth opening a savings account?\">\n            Is it worth opening a savings account?        <\/a>\n      <\/h2>\n      <div class=\"w-full md:w-3\/5 md:pl-6\">\n        <p class=\"text-center md:text-left leading-relaxed text-base\">\n            Opening a savings account can bring security, but it is no longer so advantageous in terms of income. 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