Na'urar lissafin gama biyan jinginar gida
Duba yadda ƙarin biya na wata ko dunƙulen kuɗi ke rage tsawon jinginar gidanku da kuma kuɗin ruwa.
Game da Na'urar lissafin gama biyan jinginar gida
Duba yadda ƙarin biya na wata ko dunƙulen kuɗi ke rage tsawon jinginar gidanku da kuma kuɗin ruwa.
Ɓangare ne na sashen “Jinginar gida & gidaje” 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 jinginar gida
Abin da yake lissafawa da lokacin amfani da shi
Wannan na'urar lissafi tana nuna yadda za ku iya gama jinginar gida da wuri, da yawan kuɗin ruwan da za ku ajiye, idan kuna ƙarin biya kowane wata ko kuma kuka biya wani dunƙulen kuɗi sau ɗaya.
Yadda ake amfani da shi, mataki-mataki
- Shigar da sauran bashinku na yanzu, kashin kuɗin ruwa da shekarun da suka rage.
- Ƙara ƙarin adadin da za ku iya biya kowane wata da kowane dunƙulen kuɗin da za ku iya biya yanzu.
- Kwatanta sabon lokacin gama biya da kuɗin ruwa da ainihin tsari.
Ma'anar kowace shigarwa
- Mortgage Saura now – What you still owe, not the original loan.
- Kashin kuɗin ruwa – Your current Kowace shekara kashi.
- Shekaru left – The remaining Wa'adi on the mortgage.
- Ƙari kowane wata – Money added zuwa Kowanne regular payment.
- Lump Jimilla – A one-off payment applied immediately zuwa the Saura.
Yadda ake karanta sakamako
- Mortgage-free in – How long the loan lasts with your overpayments.
- Kuɗin ruwa An ajiye – Interest without extra payments minus interest with them.
- Payment you make now – The required payment plus your extra amount.
Dabarar lissafi
The required payment is P × r ÷ (1 − (1 + r)^−n). Each month interest = balance × r, and the whole payment plus extra, minus that interest, reduces the balance. The loop runs until the balance reaches zero.
Misali da aka warware
A 200,000 balance at 5.5% with 25 years left has a required payment of 1,228.17. Paying 200 more each month clears it in 18 years 9 months, 6 years 3 months sooner, and cuts interest from 168,452 to 120,683, a saving of about 47,770.
Zato da iyakoki
- A fixed kashi akan the rest na the term.
- Overpayments are accepted without charge. Many lenders cap penalty-free overpayments, often at 10% of the balance a year.
- The lump Jimilla shi ne An biya immediately.
Kurakuran da aka saba yi
- Overpaying while carrying higher-rate debt such as credit cards. Clear the dearest debt first.
- Using up emergency savings akan overpayments.
- Forgetting that a fixed deal may carry an early repayment charge.
Tambayoyin da ake yawan yi
Shin ƙarin biya koyaushe ya fi zuba jari?
Ƙarin biya yana ba da riba tabbatacciya daidai da kashin jinginar gidanku. Zuba jari zai iya samun fiye amma ba tabbas ba ne, don haka amsar ta dogara da kashin da yadda kuke jure haɗari.
Shin dunƙulen kuɗi ko ƙarin biya na wata-wata ne ya fi ajiyewa?
Kuɗin da aka biya da wuri yana ajiye ƙarin kuɗin ruwa, don haka dunƙulen kuɗi yanzu galibi yana ajiye fiye da jimilla iri ɗaya da aka raba a cikin shekaru.
Kayan aiki masu alaƙa
Cikakkun bayanai
- Payment you make now
- £1,428.17 a wata£1,228.17 required
- Kuɗin ruwa without Ƙari payments
- £168,452.50
- Kuɗin ruwa with Ƙari payments
- £120,682.73
- Kuɗin ruwa An ajiye
- £47,769.76
- Na asali payoff Lokaci
- 25 shekaru
Shekara-shekara
| Shekara | Babban kuɗi | Kuɗin ruwa | Saura |
|---|---|---|---|
| 1 | £6,295 | £10,843 | £193,705 |
| 2 | £6,650 | £10,488 | £187,054 |
| 3 | £7,025 | £10,113 | £180,029 |
| 4 | £7,422 | £9,716 | £172,607 |
| 5 | £7,840 | £9,298 | £164,767 |
| 6 | £8,283 | £8,855 | £156,484 |
| 7 | £8,750 | £8,388 | £147,734 |
| 8 | £9,243 | £7,895 | £138,491 |
| 9 | £9,765 | £7,373 | £128,726 |
| 10 | £10,316 | £6,822 | £118,411 |
| 11 | £10,898 | £6,241 | £107,513 |
| 12 | £11,512 | £5,626 | £96,001 |
| 13 | £12,162 | £4,977 | £83,839 |
| 14 | £12,848 | £4,291 | £70,992 |
| 15 | £13,572 | £3,566 | £57,419 |
| 16 | £14,338 | £2,800 | £43,081 |
| 17 | £15,147 | £1,991 | £27,935 |
| 18 | £16,001 | £1,137 | £11,934 |
| 19 | £11,934 | £263 | £0 |