Wise Financial Cambodia

Financial Education Tools
Calculators › Loans › Loan Restructure
Wise Financial Cambodia

Wise Financial Cambodia

Loan Restructure Comparison — printed

Loan Restructure Comparison

Your lender has offered to change your loan. Compare the options side by side — a lower monthly payment usually means paying more interest overall.

Your Loan Today
Currency:
$
months
% / yr
Keep current terms
Your monthly payment now —
What the lender is offering
Interest-only period
months
Pay only interest for this many months, then go back to the normal payment.
Longer term Lower rate + longer term
months
Stretching the loan lowers each payment but adds interest. It applies to both options above.
Lower rate + longer term
% / yr
Applied together with the extra months above.
Pay extra each month
$
Paying more each month is the only option here that saves you money.
All Options Compared
Option Term Monthly Payment Total Interest Total Paid Impact on Interest
What You Still Owe Over Time
Month-by-Month Schedule
How to Read This
  • Keep current terms — nothing changes. Every other row is measured against this one.
  • Interest-only period — your payment drops to just the interest for a while. The balance does not fall at all during those months, so the loan takes longer and costs more.
  • Longer term — the same debt spread over more months. The monthly payment drops the most here, and the total interest rises the most.
  • Lower rate + longer term — the rate falls but the term also stretches. Usually still costs more overall, because the extra months outweigh the cheaper rate.
  • Pay extra each month — the only option here that reduces what you pay. The loan finishes early and interest stops sooner.
⚠️ A smaller monthly payment is not the same as a cheaper loan. Compare the Total Interest column, not the payment.
Click Print / Save as PDF to export results.