無担保のフリーローンの必要性を感じている方へ
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最近のキャッシングでは、リボ払いで返済することが多くなりました。リボ払とは、利用金額に応じて毎月、一定の金額を返済するというもの。リボ払いのなかにも何種類かがあり、そのうちのひとつに「元利定額リボルビング方式」と呼ばれる返済方法があります。
例えば、5万円を借り、毎月1万円ずつ返済していくといったものです。
この場合、金額の毎月の返済には、利息分と返済分が含まれているのです。
返済金額はずっと同じですから、利息の分を引いた額が返済金額なのです。
仮に5万円を借りて、毎月1万円の金額を返済し利率18％考えるのであれば、最初の1万円には1割弱程の利息がある計算です。これに対して「元金定額リボルビング方式」は一定額プラス利息分を毎月支払うので、毎月の返済金額は定額ではないのです。
最初の例ならば、初回の金額は10700〜11000円ほどの返済になりますね。
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ほかにもう一枚おすすめするとしたら、このカード。
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キャッシングの基礎知識
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この企業のカードローンは？
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知名度の高いカードローン会社
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金融機関とカードローン
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