Cash back atau Terendah Bunga calculator

Cara menggunakan Cash back atau low interest calculator

Apa yang dihitung dan kapan digunakan

Decide whether sampai take a dealer’s cash rebate dan finance elsewhere, or take the dealer’s low-interest Keuangan, dan give up the rebate.

Cara menggunakan, langkah demi langkah

1. Enter the car Harga, Uang muka, dan Jangka waktu.
2. Enter the rebate Jumlah dan the loan Suku bunga you would Dapat Dari your own lender.
3. Enter the dealer’s Terendah Suku bunga that applies only without the rebate.
4. Compare the total Dibayar under Per buah option dan the break-even Suku bunga.

Arti setiap input

• Rebate – Cash off the Harga if you Aksi not use dealer Keuangan.
• Your own loan Suku bunga – The Suku bunga Dari your bank atau credit union.
• Dealer Terendah Suku bunga – The special Suku bunga that replaces the rebate.

Cara membaca hasil

• Savings – How much cheaper the better option adalah over the loan.
• Break-even dealer Suku bunga – The Terendah Suku bunga Pada which both options Biaya the same.

Rumus

Rebate option: loan = Harga + Pajak − Uang muka − rebate, Dibayar Pada your own Suku bunga. Low-rate option: loan = Harga + Pajak − Uang muka, Dibayar Pada the dealer Suku bunga. Per buah total adalah payment × months, with payment = L × r ÷ (1 − (1 + r)^−n). The break-even rate adalah solved numerically.

Contoh perhitungan

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 di total; the dealer’s 1.9% loan with no rebate costs 28,324. The low-rate option wins by 1,131.63, dan the break-even dealer rate adalah 3.48%.

Asumsi dan batasan

• The same Jangka waktu seharga both loans.
• Sales Pajak adalah charged before the rebate.
• Your own loan Suku bunga depends on your credit.

Kesalahan umum

• Choosing the rebate because cash feels better today without comparing total Bunga.
• Not checking your own loan Suku bunga beforehand.

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