Na'urar lissafin gama biyan bashi
Kwatanta hanyoyin snowball da avalanche a kan duk bashinku ku ga ranar da za ku rabu da bashi.
Game da Na'urar lissafin gama biyan bashi
Kwatanta hanyoyin snowball da avalanche a kan duk bashinku ku ga ranar da za ku rabu da bashi.
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 gama biyan bashi
Abin da yake lissafawa da lokacin amfani da shi
Yana kwatanta hanyoyin snowball da avalanche a kan basussuka da yawa, yana nuna ranar da za ku rabu da bashi, kuɗin ruwan da aka biya da jerin yadda ake share basussuka.
Yadda ake amfani da shi, mataki-mataki
- Jera kowane bashi tare da sauran adadinsa, kashin kuɗin ruwa da mafi ƙarancin biya.
- Shigar da ƙarin kuɗin da za ku iya biya kowane wata.
- Zaɓi avalanche (kashi mafi girma da farko) ko snowball (mafi ƙanƙantar bashi da farko).
- Kwatanta sakamakon.
Ma'anar kowace shigarwa
- Saura, Kashi %, Mafi ƙaranci – For Kowanne debt.
- Ƙari – Added zuwa the minimums da aimed at the buri debt.
- Hanya – Decides which debt receives the extra money.
Yadda ake karanta sakamako
- Debt-free in – Watanni har zuwa duka balances are zero.
- Kuɗin ruwa – Jimilla interest akan each method da don minimum payments only.
- Jeri – When Kowanne debt shi ne cleared.
Dabarar lissafi
Each month interest = balance × rate ÷ 12 is added, minimums are paid, and the remaining budget goes to the target debt. When a debt is cleared its minimum rolls into the next one.
Misali da aka warware
A credit card of 4,500 at 22.9%, a car loan of 9,000 at 7.5% and a store card of 1,200 at 29.9%, with 200 extra a month. You are debt-free in 2 years 4 months and pay 2,115 interest, compared with 3 years 11 months and 4,712 at the minimums, a saving of 2,596.
Zato da iyakoki
- Rates are fixed da no new debt shi ne added.
- Minimums do not change as balances fall.
Kurakuran da aka saba yi
- Not rolling a cleared debt’s payment into the next one.
- Paying only minimums on high-rate cards.
Tambayoyin da ake yawan yi
Avalanche ko snowball?
Avalanche yana jawo ƙarancin kuɗin ruwa. Snowball yana ba da nasara cikin sauri. Zaɓi wanda za ku ci gaba da shi.
Me ya sa yake cewa bashina ba zai taɓa ƙarewa ba?
Mafi ƙarancin biya da ya yi ƙasa da kuɗin ruwa na wata yana nufin bashin ba zai taɓa raguwa ba.
Kayan aiki masu alaƙa
Cikakkun bayanai
- Jimilla An biya
- £16,815
- Avalanche
- 2 shekaru, 4 watanni, £2,115 Kuɗin ruwa
- Snowball
- 2 shekaru, 4 watanni, £2,115 Kuɗin ruwa
- Mafi ƙaranci payments only
- 3 shekaru, 11 watanni, £4,712 Kuɗin ruwa
- Kuɗin ruwa An ajiye by your Ƙari payment
- £2,596
- Jimilla Kowane wata payment
- £620.00
Jeri the debts are cleared
| Debt | An biya off Bayan |
|---|---|
| Store card | 6 watanni |
| Credit card | 1 shekara, 6 watanni |
| Car loan | 2 shekaru, 4 watanni |