2021年3月6日 · What Is the Rule of 78? The Rule of 78 is a method used by some lenders to calculate interest charges on a loan. The Rule of 78 requires the borrower to pay a greater...

78法則，又稱年數合計法，是貸款時用以計算還款時利息與本金比例的方法。在還款期的早段，利息的佔比將較高，並隨時間漸漸降低，故對提早還款者不利。

Also known as the "Sum of the Digits" method, the Rule of 78s is a term used in lending that refers to a method of yearly interest calculation. The name comes from the total number of months' interest that is being calculated in a year (the first month is 1 month's interest, whereas the second month contains 2 months' interest, etc.).

「78 法则」是一般银行及财务机构用以分配每期供款中本金及利息之方法。 据此方法，利息在每月供款金额中所占 之比重会随还款期数递减。

2024年10月16日 · Under the Rule of 78, a lender weighs interest payments in reverse order, with more weight given to the earlier months of the loan’s repayment period. According to this rule, if you took out...

2024年3月19日 · The rule of 78 is a specific method of calculating interest that gives significant weight to the early months of a borrower’s loan cycle. This emphasis on front-loading interest benefits the lender, increasing their profits. Typically, …

2024年6月10日 · The Rule of 78, also known as the Sum of Digits method, is a way to determine how much interest you will pay over the life of your loan. It assigns a greater portion of the interest to the earlier months of the loan, making it a front-loaded method of calculating interest.

2022年7月20日 · Paying off a loan ahead of schedule can save you money on interest charges. But if your lender uses the Rule of 78, your interest savings might be less than you expect. The Rule of 78...

The Rule of 78 is a method used to calculate the amount of interest charged on a loan. This method is also sometimes known as the “precomputed” or “sum-of-the-digits” method. Under the Rule of 78, the interest for the loan is calculated based on the total number of payments that are required to be made.

rule of 78. 78规则 分期偿付贷款利息计算方法，金融机构计算月份贷款利息所使用的公式。借款人在年度中每月偿付相等金额的情况下，金融机构使用月份数额总额法。由于从1月到12月的12个数字相加的总额为78，故称为78规则。