Na'urar lissafin hayar mota (lease)
Biyan hayar mota na wata da aka raba zuwa raguwar daraja da kuɗin finance, da jimillar kuɗin haya.
Game da Na'urar lissafin hayar mota (lease)
Biyan hayar mota na wata da aka raba zuwa raguwar daraja da kuɗin finance, da jimillar kuɗin haya.
Ɓangare ne na sashen “Mota & haya” na SmartCalcy. Yana aiki a burauzar ku ba tare da asusu ba, yana amfani da kuɗinku da ma'aunanku (canza su a saman shafin), kuma yana ba da ƙiyasi don bayani kawai, don haka duba jagorar hukuma kafin ku dogara da sakamako.
Yadda ake amfani da Na'urar lissafin hayar mota (lease)
Abin da yake lissafawa da lokacin amfani da shi
Ƙiyasta biyan haya (lease) daga farashi, ragowar ƙima (residual value), wa'adi da kashi. Yana raba biyan zuwa kuɗin faɗuwar darajar motar da kuɗin ruwa (finance charge).
Yadda ake amfani da shi, mataki-mataki
- Shigar da farashin abin hawa da ragowar ƙima a ƙarshen haya a matsayin kashi.
- Shigar da biyan farkonku, duk wani trade-in da kuɗaɗen da aka ƙara a cikin hayar.
- Shigar da wa'adi a watanni, kashin kuɗin ruwa (APR) da harajin kowane biya.
Ma'anar kowace shigarwa
- Residual – What the vehicle is expected to be worth at the end, as a percentage of price.
- An biya up front – A deposit that reduces the capitalised cost.
- Kashi – APR. The money factor shi ne APR ÷ 2400.
Yadda ake karanta sakamako
- Kowane wata lease payment – Depreciation, Kuɗi charge da kowane haraji.
- Jimilla cost na the lease – All payments plus what you pay at the start.
Dabarar lissafi
Depreciation = (capitalised cost − residual) ÷ term. Finance charge = (capitalised cost + residual) × money factor. Payment = (depreciation + finance charge) × (1 + tax rate).
Misali da aka warware
A 35,000 car with a 60% residual (21,000), 2,000 down and 795 of fees has a capitalised cost of 33,795. Over 36 months at 6% the depreciation is 355.42, the finance charge is 136.99 and the payment is 492.40, so the lease costs 19,727 including the deposit.
Zato da iyakoki
- Mileage limits da wear charges are not included.
- You own nothing at the end unless you buy the vehicle.
- Fees and rules differ by country and by lender.
Kurakuran da aka saba yi
- Comparing lease payments with loan payments without considering what you own at the end.
- Forgetting mileage da end-of-lease charges.
Tambayoyin da ake yawan yi
Mene ne money factor?
Kashin kuɗin ruwa na haya da aka bayyana a matsayin ƙaramin decimal. Ninka da 2400 don samun APR na kusan.
Shin hayar mota ta fi saye arha?
Biyan galibi ya fi ƙanƙanta, amma ba ku da kadara a ƙarshe. Kwatanta jimillar kuɗaɗe a zagaye da yawa.
Kayan aiki masu alaƙa
Cikakkun bayanai
- Money factor
- 0.0025APR ÷ 2400
- Residual Ƙima
- £21,000.00
- Adadi zuwa depreciate
- £12,795.00
- An biya at the Farawa
- £2,000.00
- Jimilla cost na the lease
- £19,726.55payments plus money up front