Offer A
- Financial payment
- —
- Total monthly outflow
- —
- Term
- —
- Interest
- —
- Upfront fees and costs
- —
- Recurring costs
- —
- Total paid
- —
- Estimated APR
- —
- Net amount received
- —
- Final payment
- —
Compare two loans
Compare two loans for the same amount using payment, term, interest, fees, recurring costs, estimated APR and total cost.
Like-for-like comparison
The table separates payment, charges and full cost so monthly payment is not compared in isolation.
Offer B
- Financial payment
- —
- Total monthly outflow
- —
- Term
- —
- Interest
- —
- Upfront fees and costs
- —
- Recurring costs
- —
- Total paid
- —
- Estimated APR
- —
- Net amount received
- —
- Final payment
- —
| CalculaPréstamo | Term | Financial payment | Net amount received | Interest | Upfront fees and costs | Recurring costs | Total real cost | Estimated APR |
|---|---|---|---|---|---|---|---|---|
| Offer A | — | — | — | — | — | — | — | — |
| Offer B | — | — | — | — | — | — | — | — |
How the offers are compared
Each offer is calculated independently with its own rate and term. Interest, origination, upfront and recurring charges are then added for total real cost.
Estimated APR annualises each cash-flow set. A smaller payment may still cost more when the term or charges are greater.
Advanced options provide a closer representation of the contract; keep their defaults when they do not apply.
Compared figures
Real cost = interest + upfront charges + recurring costs. Total paid = principal + real cost. APR uses net proceeds and every monthly outflow.
Example
A lower-rate offer can cost more when it adds an origination fee, monthly insurance or a much longer term. The comparison exposes each component and the difference.
Frequently asked questions
Which figure matters most?
Review APR, total cost, payment, term and contractual flexibility together.
Does the lowest APR always win?
It is highly comparable, but risk, security and conditions also matter.
Can terms differ?
Yes; this reveals the cost of a lower payment over a longer term.
Where does mandatory insurance go?
Enter it as monthly or upfront cost according to when it is paid.
Are late-payment charges included?
No; they depend on default and are outside the ordinary scenario.