Calcolatore Prestito
Domande Frequenti
Cos'e l'ammortamento alla francese?
L'ammortamento alla francese (o a rata costante) e il metodo piu diffuso. La rata rimane uguale per tutta la durata del prestito, ma la composizione cambia: inizialmente si pagano piu interessi, poi gradualmente piu capitale.
Qual e la differenza tra TAN e TAEG?
Il TAN (Tasso Annuo Nominale) e il tasso di interesse puro. Il TAEG (Tasso Annuo Effettivo Globale) include anche le spese accessorie (commissioni, assicurazioni). Questo calcolatore usa il TAN.
Posso estinguere anticipatamente un prestito?
Si, in Italia hai sempre il diritto di estinguere anticipatamente un prestito. Per i mutui contratti dopo il 2007, non e prevista alcuna penale di estinzione anticipata. Per altri prestiti, la penale massima e dell'1%.
What is the annuity repayment method?
It is the constant payment method, the most common one: the payment stays the same for the whole term, but what it is made of changes. Early on it is mostly interest, towards the end mostly capital.
What is the difference between the nominal and the effective rate?
The nominal rate is the interest alone. The effective rate also carries the fees: arrangement charges, administration, insurance. This calculator works on the nominal rate, so the real cost is somewhat higher.
Is it worth paying a loan off early?
Often yes, because the remaining interest is saved. How much depends on how far into the schedule you are: in the early years the payment is almost all interest, so paying off early is worth far more.
Does my data stay private?
Yes, and not because we promise it: this tool runs entirely inside your browser. What you type or upload never leaves your device, so it never reaches a server of ours and there is nothing we could keep, read or lose. You can check it yourself: open the page, disconnect from the internet, and the tool keeps working.
Do you store what I enter?
No. There is no database behind this tool: we do not store your files, your text or your results. When you close the tab nothing is left — not here with us, because it never arrived, and not anywhere else.
Do you profile me? Are you GDPR compliant?
We do not profile you: there is no account to create, we never ask for your email to use a tool, and we keep no profile of what you do. We are an Italian company and we work under the GDPR and the other European rules, with the privacy notice and the consent request in plain sight. One thing we say in full rather than hiding it behind a slogan: the ads on the page are Google's, and Google may use cookies to personalise them. You decide from the consent banner: if you say no the ads stay, but they are not personalised, and the tool works exactly the same.
If it is free, how do you make money?
From the ads on the page, and that is all. We do not sell your data, there is no hidden paid plan, there is no limit that eventually asks for your card, and you do not have to sign up. The ads pay for the servers and for the time we spend writing the tools: that is how we can keep them open to everyone.