APR Calculator
Full cost of credit — real rate including all fees and insurance
Loan parameters
UZS
%
Additional costs
Leave 0 if no extra costs
UZS
UZS
UZS
UZS
Full cost of credit (APR)
22,00%
per annum, including all costs
Nominal rate
22,00%
Difference
+0,00%
Payment
Base payment2 593 908 UZS
All-in payment2 593 908 UZS
Total over full term
All costs62 253 792 UZS
Of which hidden costs50 000 000 UZS
No additional costs — APR matches the nominal rate.
Why APR matters more than the nominal rate
Banks advertise a low nominal rate, but hide fees and mandatory insurance in the contract. APR reveals the true cost of the loan.
For example, a loan at 18% per year with a 2% origination fee and monthly insurance may have an APR of 25–28%.
Compare loans by APR, not the nominal rate — it is the honest metric.