Commercial real estate lenders commonly calculate loans in three ways: 30/360, Actual/365 (aka 365/365), and Actual/360 (aka 365/360). Real estate professionals should be aware of these methods if they want to understand the real interest rate as well as the total amount of interest being paid over the term of a loan.

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3 Best Low Interest Personal Loans Simple loan calculator and amortization table. Use this accessible, simple loan calculator to create an amortization table and payment schedule for any type of loan. Just enter the loan amount, interest rate, loan period, and start date, and monthly principal and interest payments will be calculated for you through the final loan payment.

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The practice of the 365/360 interest calculation on commercial loans started over 200 years ago, so this is nothing new. Long before the prevalence of desktop computers, banks had to perform many calculations by hand: generating bills, loan payoffs, etc.

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Find out how much of your monthly payments goes toward principal and how much goes toward interest. This calculator can help you create an amortization schedule for any loan that uses a 365/360 schedule.

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