広告)
リボ払いの返済計画って計算した事ありますか？多分ないでしょう。これを見ると、「弁護士に行こう」と思うはず？
50万円を18%で借りると
こうなった。
任意整理の仮条件
- ※実際の計算とブレる可能性はあります
- 使用ソフトはGoogleスプレッドです
こんな感じです
ざっくり説明
任意整理しなかったら９０回、任意整理したら５７回の返済回数
携帯の人はPDFファイルで
| 当初元本 | 500000 | 遅延損害 | 0.2 | |||||
|---|---|---|---|---|---|---|---|---|
| 利率 | 0.18 | |||||||
| 回数 | 日数 | 日付 | 返済前元本 | 元本 | 返済金額 | 利息 | 任意整理元本 | 弁護士費用 |
| 2020-05-01 00:00:00 | 500000 | 0 | 500000 | |||||
| 1 | 30 | 2020-06-01 00:00:00 | 500000 | 497397.2603 | 10000 | 7397.260274 | 10000 | |
| 2 | 29 | 2020-07-01 00:00:00 | 497397.2603 | 494510.7225 | 10000 | 7113.462188 | 10000 | |
| 3 | 30 | 2020-08-01 00:00:00 | 494510.7225 | 491826.7715 | 10000 | 7316.049045 | 10000 | |
| 4 | 30 | 2020-09-01 00:00:00 | 491826.7715 | 489103.1128 | 10000 | 7276.341277 | 524383.5616 | 和解成立 |
| 5 | 29 | 2020-10-01 00:00:00 | 489103.1128 | 486097.9573 | 10000 | 6994.844517 | ||
| 6 | 30 | 2020-11-01 00:00:00 | 486097.9573 | 483289.5435 | 10000 | 7191.586218 | 514383.5616 | |
| 7 | 29 | 2020-12-01 00:00:00 | 483289.5435 | 480201.246 | 10000 | 6911.702513 | 504383.5616 | |
| 8 | 30 | 2021-01-01 00:00:00 | 480201.246 | 477305.5932 | 10000 | 7104.347202 | 494383.5616 | |
| 9 | 30 | 2021-02-01 00:00:00 | 477305.5932 | 474367.1006 | 10000 | 7061.507407 | 484383.5616 | |
| 10 | 27 | 2021-03-01 00:00:00 | 474367.1006 | 470683.3311 | 10000 | 6316.230436 | 474383.5616 | |
| 11 | 30 | 2021-04-01 00:00:00 | 470683.3311 | 467646.8653 | 10000 | 6963.534213 | 464383.5616 | |
| 12 | 29 | 2021-05-01 00:00:00 | 467646.8653 | 464334.8561 | 10000 | 6687.990786 | 454383.5616 | |
| 13 | 30 | 2021-06-01 00:00:00 | 464334.8561 | 461204.4676 | 10000 | 6869.611569 | 444383.5616 | |
| 14 | 29 | 2021-07-01 00:00:00 | 461204.4676 | 457800.3233 | 10000 | 6595.855674 | 434383.5616 | |
| 15 | 30 | 2021-08-01 00:00:00 | 457800.3233 | 454573.2596 | 10000 | 6772.93629 | 424383.5616 | |
| 16 | 30 | 2021-09-01 00:00:00 | 454573.2596 | 451298.453 | 10000 | 6725.19343 | 414383.5616 | |
| 17 | 29 | 2021-10-01 00:00:00 | 451298.453 | 447752.6391 | 10000 | 6454.186096 | 404383.5616 | |
| 18 | 30 | 2021-11-01 00:00:00 | 447752.6391 | 444376.9248 | 10000 | 6624.28562 | 394383.5616 | |
| 19 | 29 | 2021-12-01 00:00:00 | 444376.9248 | 440732.1235 | 10000 | 6355.198759 | 384383.5616 | |
| 20 | 30 | 2022-01-01 00:00:00 | 440732.1235 | 437252.544 | 10000 | 6520.420457 | 374383.5616 | |
| 21 | 30 | 2022-02-01 00:00:00 | 437252.544 | 433721.4857 | 10000 | 6468.941746 | 364383.5616 | |
| 22 | 27 | 2022-03-01 00:00:00 | 433721.4857 | 429496.517 | 10000 | 5775.031289 | 354383.5616 | |
| 23 | 30 | 2022-04-01 00:00:00 | 429496.517 | 425850.7121 | 10000 | 6354.195046 | 344383.5616 | |
| 24 | 29 | 2022-05-01 00:00:00 | 425850.7121 | 421940.9606 | 10000 | 6090.248539 | 334383.5616 | |
| 25 | 30 | 2022-06-01 00:00:00 | 421940.9606 | 418183.3748 | 10000 | 6242.414211 | 324383.5616 | |
| 26 | 29 | 2022-07-01 00:00:00 | 418183.3748 | 414163.9699 | 10000 | 5980.595114 | 314383.5616 | |
| 27 | 30 | 2022-08-01 00:00:00 | 414163.9699 | 410291.3273 | 10000 | 6127.357363 | 304383.5616 | |
| 28 | 30 | 2022-09-01 00:00:00 | 410291.3273 | 406361.3908 | 10000 | 6070.063472 | 294383.5616 | |
| 29 | 29 | 2022-10-01 00:00:00 | 406361.3908 | 402172.9153 | 10000 | 5811.524547 | 284383.5616 | |
| 30 | 30 | 2022-11-01 00:00:00 | 402172.9153 | 398122.8708 | 10000 | 5949.955459 | 274383.5616 | |
| 31 | 29 | 2022-12-01 00:00:00 | 398122.8708 | 393816.5732 | 10000 | 5693.702426 | 264383.5616 | |
| 32 | 30 | 2023-01-01 00:00:00 | 393816.5732 | 389642.9006 | 10000 | 5826.327384 | 254383.5616 | |
| 33 | 30 | 2023-02-01 00:00:00 | 389642.9006 | 385407.4805 | 10000 | 5764.579899 | 244383.5616 | |
| 34 | 27 | 2023-03-01 00:00:00 | 385407.4805 | 380539.2075 | 10000 | 5131.727 | 234383.5616 | |
| 35 | 30 | 2023-04-01 00:00:00 | 380539.2075 | 376169.1026 | 10000 | 5629.895124 | 224383.5616 | |
| 36 | 29 | 2023-05-01 00:00:00 | 376169.1026 | 371548.8361 | 10000 | 5379.733467 | 214383.5616 | |
| 37 | 30 | 2023-06-01 00:00:00 | 371548.8361 | 367045.7229 | 10000 | 5496.88689 | 204383.5616 | |
| 38 | 29 | 2023-07-01 00:00:00 | 367045.7229 | 362294.9796 | 10000 | 5249.256641 | 194383.5616 | |
| 39 | 30 | 2023-08-01 00:00:00 | 362294.9796 | 357654.9601 | 10000 | 5359.98052 | 184383.5616 | |
| 40 | 30 | 2023-09-01 00:00:00 | 357654.9601 | 352946.2938 | 10000 | 5291.333656 | 174383.5616 | |
| 41 | 29 | 2023-10-01 00:00:00 | 352946.2938 | 347993.9093 | 10000 | 5047.615489 | 164383.5616 | |
| 42 | 30 | 2023-11-01 00:00:00 | 347993.9093 | 343142.3123 | 10000 | 5148.403041 | 154383.5616 | |
| 43 | 29 | 2023-12-01 00:00:00 | 343142.3123 | 338049.7174 | 10000 | 4907.405124 | 144383.5616 | |
| 44 | 30 | 2024-01-01 00:00:00 | 338049.7174 | 333051.0009 | 10000 | 5001.283491 | 134383.5616 | |
| 45 | 30 | 2024-02-01 00:00:00 | 333051.0009 | 327978.3308 | 10000 | 4927.329876 | 124383.5616 | |
| 46 | 28 | 2024-03-01 00:00:00 | 327978.3308 | 322507.1275 | 10000 | 4528.796677 | 114383.5616 | |
| 47 | 30 | 2024-04-01 00:00:00 | 322507.1275 | 317278.4658 | 10000 | 4771.338324 | 104383.5616 | |
| 48 | 29 | 2024-05-01 00:00:00 | 317278.4658 | 311815.9825 | 10000 | 4537.516689 | 94383.56164 | |
| 49 | 30 | 2024-06-01 00:00:00 | 311815.9825 | 306429.1504 | 10000 | 4613.16796 | 84383.56164 | |
| 50 | 29 | 2024-07-01 00:00:00 | 306429.1504 | 300811.5071 | 10000 | 4382.356617 | 74383.56164 | |
| 51 | 30 | 2024-08-01 00:00:00 | 300811.5071 | 295261.8691 | 10000 | 4450.362022 | 64383.56164 | |
| 52 | 30 | 2024-09-01 00:00:00 | 295261.8691 | 289630.1269 | 10000 | 4368.257789 | 54383.56164 | |
| 53 | 29 | 2024-10-01 00:00:00 | 289630.1269 | 283772.2344 | 10000 | 4142.107568 | 44383.56164 | |
| 54 | 30 | 2024-11-01 00:00:00 | 283772.2344 | 277970.5086 | 10000 | 4198.274153 | 34383.56164 | |
| 55 | 29 | 2024-12-01 00:00:00 | 277970.5086 | 271945.8676 | 10000 | 3975.359054 | 24383.56164 | |
| 56 | 30 | 2025-01-01 00:00:00 | 271945.8676 | 265969.1764 | 10000 | 4023.308727 | 14383.56164 | |
| 57 | 30 | 2025-02-01 00:00:00 | 265969.1764 | 259904.0628 | 10000 | 3934.886445 | 4383.561644 | |
| 58 | 27 | 2025-03-01 00:00:00 | 259904.0628 | 253364.7032 | 10000 | 3460.640398 | ||
| 59 | 30 | 2025-04-01 00:00:00 | 253364.7032 | 247113.1125 | 10000 | 3748.409308 | ||
| 60 | 29 | 2025-05-01 00:00:00 | 247113.1125 | 240647.1685 | 10000 | 3534.05602 | ||
| 61 | 30 | 2025-06-01 00:00:00 | 240647.1685 | 234207.428 | 10000 | 3560.25948 | ||
| 62 | 29 | 2025-07-01 00:00:00 | 234207.428 | 227556.9151 | 10000 | 3349.487053 | ||
| 63 | 30 | 2025-08-01 00:00:00 | 227556.9151 | 220923.5105 | 10000 | 3366.595456 | ||
| 64 | 30 | 2025-09-01 00:00:00 | 220923.5105 | 214191.9679 | 10000 | 3268.457416 | ||
| 65 | 29 | 2025-10-01 00:00:00 | 214191.9679 | 207255.2065 | 10000 | 3063.238555 | ||
| 66 | 30 | 2025-11-01 00:00:00 | 207255.2065 | 200321.4479 | 10000 | 3066.241411 | ||
| 67 | 29 | 2025-12-01 00:00:00 | 200321.4479 | 193186.319 | 10000 | 2864.871118 | ||
| 68 | 30 | 2026-01-01 00:00:00 | 193186.319 | 186044.418 | 10000 | 2858.098966 | ||
| 69 | 30 | 2026-02-01 00:00:00 | 186044.418 | 178796.856 | 10000 | 2752.437965 | ||
| 70 | 27 | 2026-03-01 00:00:00 | 178796.856 | 171177.5483 | 10000 | 2380.692383 | ||
| 71 | 30 | 2026-04-01 00:00:00 | 171177.5483 | 163710.0381 | 10000 | 2532.489756 | ||
| 72 | 29 | 2026-05-01 00:00:00 | 163710.0381 | 156051.3159 | 10000 | 2341.277805 | ||
| 73 | 30 | 2026-06-01 00:00:00 | 156051.3159 | 148360.0203 | 10000 | 2308.7044 | ||
| 74 | 29 | 2026-07-01 00:00:00 | 148360.0203 | 140481.7718 | 10000 | 2121.751523 | ||
| 75 | 30 | 2026-08-01 00:00:00 | 140481.7718 | 132560.1323 | 10000 | 2078.36046 | ||
| 76 | 30 | 2026-09-01 00:00:00 | 132560.1323 | 124521.2959 | 10000 | 1961.163601 | ||
| 77 | 29 | 2026-10-01 00:00:00 | 124521.2959 | 116302.121 | 10000 | 1780.825108 | ||
| 78 | 30 | 2026-11-01 00:00:00 | 116302.121 | 108022.7551 | 10000 | 1720.634119 | ||
| 79 | 29 | 2026-12-01 00:00:00 | 108022.7551 | 99567.62849 | 10000 | 1544.873374 | ||
| 80 | 30 | 2027-01-01 00:00:00 | 99567.62849 | 91040.68381 | 10000 | 1473.055326 | ||
| 81 | 30 | 2027-02-01 00:00:00 | 91040.68381 | 82387.58708 | 10000 | 1346.903267 | ||
| 82 | 27 | 2027-03-01 00:00:00 | 82387.58708 | 73484.58344 | 10000 | 1096.996365 | ||
| 83 | 30 | 2027-04-01 00:00:00 | 73484.58344 | 64571.75262 | 10000 | 1087.16918 | ||
| 84 | 29 | 2027-05-01 00:00:00 | 64571.75262 | 55495.21714 | 10000 | 923.464517 | ||
| 85 | 30 | 2027-06-01 00:00:00 | 55495.21714 | 46316.24227 | 10000 | 821.0251303 | ||
| 86 | 29 | 2027-07-01 00:00:00 | 46316.24227 | 36978.62798 | 10000 | 662.3857114 | ||
| 87 | 30 | 2027-08-01 00:00:00 | 36978.62798 | 27525.70905 | 10000 | 547.0810715 | ||
| 88 | 30 | 2027-09-01 00:00:00 | 27525.70905 | 17932.93872 | 10000 | 407.2296682 | ||
| 89 | 29 | 2027-10-01 00:00:00 | 17932.93872 | 8189.404312 | 10000 | 256.4655894 | ||
| 90 | 30 | 2027-11-01 00:00:00 | 8189.404312 | 0 | 10000 | 121.1583104 |
