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How are the total cost of a Loan calculated?

I have this data and would like to know how I can calculate the total sum that I will have to pay to the bank:


13 Months, Loan Amount: 15132.08 Dollar

APRC: 12,0500 %

Interest Rate: 0,0795

12 Months: 528.83 Dollar

At the end bayback: 10233.17 Dollar

Service Fee: 35.00 Dollar Each Month


Here's an payment plan for this loan:

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I would like to know how to calculate the total to pay sum

I would simply sum up the Service Fee and The Kredit amount (35 * 14) + 15132.08 but how do I calculate the complete Interest to come to 16786.01?

How would you calculate it? Thanks

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The interest for each period should be the existing balance times the interest rate times the time. Your interest is just over $1\%$ per month, which should result in the kredit increasing by $1\%$ of the previous month's value. You can see it is not doing this, so they are using some other way of calculating the interest. The first month's interest should have been $15132.08 \cdot 0.1205/12 = 151.95$ The last month's interest (accepting their balance) should have been $10233.17 \cdot 0.1205/12 = 102.76$ Don't complain.

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