Na'urar lissafin cash back ko ƙaramin kuɗin ruwa
Yanke shawara ko rangwamen kuɗi (cash rebate) ko lamunin dila mai ƙaramin kuɗin ruwa ne ya fi arha wajen sayen mota.
Game da Na'urar lissafin cash back ko ƙaramin kuɗin ruwa
Yanke shawara ko rangwamen kuɗi (cash rebate) ko lamunin dila mai ƙaramin kuɗin ruwa ne ya fi arha wajen sayen mota.
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 cash back ko ƙaramin kuɗin ruwa
Abin da yake lissafawa da lokacin amfani da shi
Yanke shawara ko za ku karɓi rangwamen tsabar kuɗi (rebate) na dillali ku sami lamuni a wani wuri, ko ku karɓi lamuni mai ƙaramin kuɗin ruwa na dillali ku bar rangwamen.
Yadda ake amfani da shi, mataki-mataki
- Shigar da farashin mota, kuɗin farko da wa'adi.
- Shigar da adadin rangwame da kashin lamunin da za ku samu daga mai ba ku lamuni.
- Shigar da ƙaramin kashin dillali wanda ke aiki ne kawai ba tare da rangwamen ba.
- Kwatanta jimillar abin da aka biya a kowane zaɓi da kashin daidaitawa (break-even).
Ma'anar kowace shigarwa
- Rebate – Cash off the price if you do not use dealer finance.
- Your nawa loan kashi – The kashi from your bank ko credit union.
- Dealer ƙasa kashi – The special rate that replaces the rebate.
Yadda ake karanta sakamako
- Savings – How much cheaper the better zaɓi shi ne over the loan.
- Break-even dealer kashi – The low rate at which both options cost the same.
Dabarar lissafi
Rebate option: loan = price + tax − deposit − rebate, paid at your own rate. Low-rate option: loan = price + tax − deposit, paid at the dealer rate. Each total is payment × months, with payment = L × r ÷ (1 − (1 + r)^−n). The break-even rate is solved numerically.
Misali da aka warware
A 30,000 car with 3,000 down over 60 months. Taking a 2,500 rebate with your own 7.5% loan costs 29,456 in total; the dealer’s 1.9% loan with no rebate costs 28,324. The low-rate option wins by 1,131.63, and the break-even dealer rate is 3.48%.
Zato da iyakoki
- The iri ɗaya Wa'adi akan both loans.
- Sales haraji shi ne charged Kafin the rebate.
- Your own loan rate depends on your credit.
Kurakuran da aka saba yi
- Choosing the rebate because cash feels better today without comparing total interest.
- Not checking your own loan rate beforehand.
Tambayoyin da ake yawan yi
Wanne ne galibi ya fi kyau?
Yayin da kashin dillali ya fi ƙanƙanta idan aka kwatanta da naku, kuma wa'adin ya fi tsawo, haka ƙaramin kashin ke da ƙarin daraja.
Kayan aiki masu alaƙa
Cikakkun bayanai
- Rebate zaɓi: loan
- £24,500.00£490.93 a Wata at 7.5%
- Rebate zaɓi: Jimilla An biya
- £29,455.78
- Low-rate zaɓi: loan
- £27,000.00£472.07 a Wata at 1.9%
- Low-rate zaɓi: Jimilla An biya
- £28,324.16
- Break-even dealer kashi
- 3.48%the low rate at which both cost the same