Na'urar lissafin lamuni
Lissafin biyan lamuni, biyan kuɗi da aka jinkirta da kuma bond, tare da jadawalin biya.
Game da Na'urar lissafin lamuni
Lissafin biyan lamuni, biyan kuɗi da aka jinkirta da kuma bond, tare da jadawalin biya.
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 lamuni
Abin da yake lissafawa da lokacin amfani da shi
Yana ƙunshe da hanyoyi uku da aka saba na aron kuɗi ko biyan sa: lamuni mai biyan kashi-kashi (amortized) tare da biya akai-akai, lamuni mai jinkirta biya da ake biya gaba ɗaya a ƙarshe, da bond, inda kuke samun darajar yau ta wani biya da aka sani a nan gaba. Jadawali yana raba jimillar zuwa babban kuɗi da kuɗin ruwa.
Yadda ake amfani da shi, mataki-mataki
- Zaɓi nau'in lamuni: Amortized, Deferred payment ko Bond.
- Shigar da adadin, wa'adi a shekaru tare da ƙarin watanni idan akwai, da kashin kuɗin ruwa na shekara.
- Zaɓi yadda kuɗin ruwa ke tarawa, kuma ga lamuni mai biyan kashi-kashi, sau nawa kuke biya.
- Idan kuna so, ƙara wani ƙarin adadi tare da kowane biya.
- Karanta sakamakon, jadawalin babban kuɗi da kuɗin ruwa, da jadawalin biya.
Ma'anar kowace shigarwa
- Adadin lamuni – The sum borrowed. In Bond mode this becomes the future repayment amount.
- Wa'adi – Years, plus extra months. Fractions of a year work, for example 2 years 6 months.
- Kashin kuɗin ruwa – The yearly nominal rate. Zero is allowed and gives a loan with no interest.
- Compound – How often interest is added to the balance: monthly, annually, semi-annually, quarterly, weekly, daily or continuously.
- Albashi back – Amortized only. How often a payment is made: every month, quarter, half year, year, two weeks or week.
- Ƙari with Kowanne payment – Zaɓi ne. It goes Madaidaici zuwa the balance da shortens the loan.
Yadda ake karanta sakamako
- Repayment kowace Lokaci (period) – Amortized. The fixed amount due at each payment date.
- Adadi Ƙarshe at maturity – Deferred payment. The principal plus all compounded interest, paid once at the end.
- Initial Ƙima – Bond. The farashi Yau that grows zuwa the future repayment Adadi.
- Jimillar kuɗin ruwa – Everything An biya above the Adadi An aro.
- Ainihin kashin shekara – The true yearly growth after compounding, so different compounding choices can be compared.
- Schedule – A year-by-year table na principal, Kuɗin ruwa da Saura.
Dabarar lissafi
Effective annual rate EAR = (1 + r ÷ m)^m − 1, or e^r − 1 for continuous compounding. Rate per payment i = (1 + EAR)^(1 ÷ payments per year) − 1. Amortized payment = P × i ÷ (1 − (1 + i)^−n). Deferred amount due = P × (1 + EAR)^t. Bond initial value = future amount ÷ (1 + EAR)^t. Here t is the term in years and n is the number of payments.
Misali da aka warware
Borrow 100,000 at 6% for 10 years, compounded monthly and paid monthly. The payment is 1,110.21 for 120 payments, 133,224.60 in total, so 33,224.60 is interest (25% of the total). Repaid instead as one lump sum with annual compounding, the amount due at the end is 179,084.77, of which 79,084.77 is interest. Working backwards, a bond promising 179,084.77 in 10 years at 6% is worth 100,000 today.
Zato da iyakoki
- A fixed kashi akan the whole Wa'adi.
- Equal payments made at the Ƙarshe na Kowanne Lokaci (period).
- Fees, insurance da early repayment charges are excluded.
- Compounding and payment frequency are treated separately, as lenders do.
Kurakuran da aka saba yi
- Comparing loans by payment alone. A longer term lowers the payment but raises the total interest.
- Mixing up the nominal rate with the effective annual rate when compounding differs.
- Watanni Entering a the Shekaru akwati.
- Forgetting that a deferred loan can cost far more than an amortized one, because interest is charged on unpaid interest for the whole term.
Tambayoyin da ake yawan yi
Mene ne lamuni mai biyan kashi-kashi (amortized)?
Lamuni ne da ake biya a kashi-kashi daidai. Biyan farko galibi kuɗin ruwa ne, na baya kuma galibi babban kuɗi.
Mene ne lamuni mai jinkirta biya (deferred-payment)?
Ba a biyan komai har sai ƙarshe. Bashin yana tarawa kuma ana biyan sa a biya ɗaya lokacin da wa'adi ya cika.
Me yanayin bond ke lissafawa?
Adadin da za ku buƙaci ku ba da rance ko ku zuba jari a yau domin ya girma zuwa wani biya da aka sani a nan gaba.
Me zai faru idan kashin sifili ne?
Biyan shi ne lamunin da aka raba da adadin biye-biye, kuma babu kuɗin ruwa.
Shin kashin APR ne?
Yi amfani da APR idan kuna son kuɗaɗen caji su bayyana a cikin kuɗin; in ba haka ba, yi amfani da kashin kuɗin ruwa.
Me ya sa biya kowane mako ko kowane mako biyu ke rage kuɗin ruwa?
Biya mai yawan aukuwa yana rage bashin da wuri, don haka kuɗin ruwa kaɗan ne ke taruwa.
Kayan aiki masu alaƙa
Cikakkun bayanai
- Jimilla of 60 payments
- £17,778.65
- Jimillar kuɗin ruwa
- £2,778.65
- Jimillar da aka biya
- £17,778.65
- Kashi kowace payment
- 0.575%
Shekara-shekara
| Shekara | Babban kuɗi | Kuɗin ruwa | Saura |
|---|---|---|---|
| 1 | £2,602 | £954 | £12,398 |
| 2 | £2,787 | £768 | £9,611 |
| 3 | £2,986 | £570 | £6,625 |
| 4 | £3,199 | £357 | £3,426 |
| 5 | £3,426 | £129 | £0 |