Na'urar lissafin haɗa bashi (consolidation)
Kwatanta riƙe bashinku da lamuni ɗaya na haɗa bashi, gami da kuɗaɗen caji da jimillar kuɗin ruwa.
Game da Na'urar lissafin haɗa bashi (consolidation)
Kwatanta riƙe bashinku da lamuni ɗaya na haɗa bashi, gami da kuɗaɗen caji da jimillar kuɗin ruwa.
Ɓangare ne na sashen “Kuɗi” 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 haɗa bashi (consolidation)
Abin da yake lissafawa da lokacin amfani da shi
Yana kwatanta riƙe basussukanku na yanzu da maye gurbinsu da lamunin haɗa basussuka (consolidation) ɗaya, har da duk wani kuɗin shirya lamuni, biyan wata-wata da jimillar kuɗin ruwa.
Yadda ake amfani da shi, mataki-mataki
- Jera basussukan tare da sauran adadinsu, kashinsu da biyansu.
- Shigar da kashi, wa'adi da kuɗin caji na sabon lamunin.
- Kwatanta biyan wata-wata, wa'adi da jimillar kuɗin ruwa.
Ma'anar kowace shigarwa
- New loan kashi da Wa'adi – The offered Kuɗin ruwa kashi da shekaru.
- Arrangement kuɗi – A kaso added zuwa the loan.
Yadda ake karanta sakamako
- Savings ko Ƙari Kuɗin sayo – Interest on current debts minus interest on the new loan.
- Biyan kuɗi na wata – The new payment compared with your current payments.
Dabarar lissafi
New loan = total balances × (1 + fee). Payment = loan × r ÷ (1 − (1 + r)^−n). Interest on the current debts comes from paying each at its own minimum until cleared.
Misali da aka warware
A 4,500 card at 22.9% and a 6,000 loan at 12.9% (payments 325 a month) consolidated into a 4-year 9.9% loan with no fee have a payment of 265.80 instead. Total interest drops from 3,931 to 2,259, a saving of about 1,673.
Zato da iyakoki
- The new loan shi ne fixed-rate da no new debt shi ne run up.
- Early repayment charges on old debts are not modelled.
Kurakuran da aka saba yi
- Choosing the lowest payment rather than the lowest total cost.
- Running up the cleared cards again.
Tambayoyin da ake yawan yi
Yaushe haɗa basussuka ba ya taimakawa?
Idan sabon kashin bai yi ƙasa a fili ba, idan wa'adin ya fi tsawo sosai ko idan kuɗaɗen caji sun shafe ajiyar.
Kayan aiki masu alaƙa
Cikakkun bayanai
- New Kowane wata payment
- £265.80£325.00 now
- New loan
- £10,5004 shekaru at 9.9%
- Kuɗin ruwa on the new loan
- £2,259
- Kuɗin ruwa on your current debts
- £3,931an gama biya cikin 3 shekaru, 9 watanni
- Lokaci zuwa be debt-free
- 4 shekaru da 3 shekaru, 9 watanni