第二種奨学金を貸与してもらおうと思っているものです 機関…

質問と回答
  • 第二種奨学金を貸与してもらおうと思っているものです 機関保障制度ありで月額5万円(特別増額希望なし)で48ヶ月貸与、180回払いで借りようと思っているのですが 日本学生支援機構のシミュレーションによると利率3%なの3018568円返済とでます これっておかしくないのでしょうか? 5万x48ヶ月→240万x1.03=247万円 +保証料 月2170円x180回払い→390600円 となり利率の掛かった借用金+保証料でも合計2860600円となります 結果として自分が過払いになっている気がするのですがこの計算はどこかおかしいのでしょうか 詳しい方教えてください
  • 180回ってことは15年で返すってことだよね。 3%ってのは年利だから、その15年間の間、ずっと残高にかかるんだよ。 もっと正確にいうと、3%÷12の利率が、その月の残高にかけられて、その月の利息になるってわけ。 単純に借りたお金に3%をかけて利息になるというわけじゃないんだ。 恥ずかしいから、この質問削除しなさい。

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