為什麼評估貸款必須看「實際年利率 (APR)」？
許多銀行或財務公司宣傳的「低月平息」或「超低名義利率」，往往未涵蓋開戶手續費、行政費或月費。實際年利率 (Annual Percentage Rate, APR) 採用國際通用的內部報酬率 (IRR) 算法，將所有強制性費用與時間價值納入計算，能真正反映貸款的真實成本。
Understanding Annual Percentage Rate (APR). APR represents the real annual cost of borrowing money, incorporating nominal interest rates alongside loan origination fees and ongoing administration costs. Use this online calculator to compare loan products accurately.