Na'urar lissafin lamunin mota
Biyan kuɗi na wata da jimillar kuɗin lamunin mota, tare da kuɗin farko, musayar tsohuwar mota, harajin sayarwa da kuɗaɗen caji.
Game da Na'urar lissafin lamunin mota
Biyan kuɗi na wata da jimillar kuɗin lamunin mota, tare da kuɗin farko, musayar tsohuwar mota, harajin sayarwa da kuɗaɗen caji.
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 lamunin mota
Abin da yake lissafawa da lokacin amfani da shi
Lissafa biyan wata-wata da jimillar kuɗin sayen mota ta lamuni, har da kuɗin farko, tsohuwar mota da aka bayar (trade-in), harajin sayarwa da kuɗaɗen caji.
Yadda ake amfani da shi, mataki-mataki
- Shigar da farashin mota da kuɗin farkonku.
- Ƙara ƙimar trade-in da duk wani adadin da har yanzu ake bin ku a kanta.
- Ƙara harajin sayarwa da kuɗaɗen caji idan ba su cikin farashin.
- Shigar da kashi da wa'adi a watanni.
Ma'anar kowace shigarwa
- Trade-in – What the dealer gives you akan your old car.
- Still owed – Any remaining finance on the old car. It is added to the new loan.
- Sales haraji – Charged on the price minus the trade-in where that applies.
- Wa'adi – Lamba na Kowane wata payments.
Yadda ake karanta sakamako
- Biyan kuɗi na wata – ta The fixed amount due each mon.
- Adadi financed – Farashi plus tax da fees minus deposit da trade-in.
- Jimilla cost na the car – Duka payments plus Kuɗin farko da trade-in.
Dabarar lissafi
Financed = price + tax + fees − deposit − trade-in + amount owed. Payment = Financed × r ÷ (1 − (1 + r)^−n), where r is the yearly rate ÷ 12 and n is the term in months.
Misali da aka warware
A 30,000 car with 3,000 down and 500 of fees is a 27,500 loan. At 7.9% over 60 months the payment is 556.29, total interest is 5,877 and the total cost of the car is about 36,377.
Zato da iyakoki
- A fixed kashi da equal payments.
- Insurance, fuel da depreciation are not included.
- Dealer finance rates depend on your credit.
Kurakuran da aka saba yi
- Choosing a long term to lower the payment. Over 72 months you may owe more than the car is worth.
- Rolling negative equity into a new loan without noticing.
Tambayoyin da ake yawan yi
Wane wa'adi ne ya fi kyau?
Mafi gajeren da za ku iya biya cikin sauƙi. Dogayen wa'adi suna jawo ƙarin kuɗin ruwa sosai kuma suna da haɗarin equity mara kyau (bashin ya fi ƙimar mota).
Shin kashin dillali ya fi na bankina?
Kwatanta APR a kan tayin biyu. Dillalai wani lokaci suna ba da kashi na talla.
Kayan aiki masu alaƙa
Cikakkun bayanai
- Adadi financed
- £27,500.00
- Sales haraji
- £0.00
- Jimillar kuɗin ruwa
- £5,877.14
- Jimilla cost na the car
- £36,377.14payments, Kuɗin farko da trade-in
- An gama biya cikin
- 5 shekaru
Shekara-shekara
| Shekara | Babban kuɗi | Kuɗin ruwa | Saura |
|---|---|---|---|
| 1 | £4,670 | £2,006 | £22,830 |
| 2 | £5,052 | £1,623 | £17,778 |
| 3 | £5,466 | £1,209 | £12,312 |
| 4 | £5,914 | £762 | £6,398 |
| 5 | £6,398 | £277 | £0 |