Cash backまたは安値 利息 calculator

Cash backまたはlow interest calculatorの使い方

何を計算するか、いつ使うか

Decide whether〜take a dealer’s cash rebateとfinance elsewhere、or take the dealer’s low-interest 金融、give up the rebate.

使い方の手順

1. Enter the car 価格、頭金、期間.
2. Enter the rebate 量とthe loan 利率 you would 付与 開始 your own lender.
3. Enter the dealer’s 安値 利率 that applies only without the rebate.
4. Compare the 合計 有給 under 1個あたり optionとthe break-even 利率.

各入力項目の意味

• Rebate – Cash off the 価格 if you 操作 not use dealer 金融.
• Your own loan 利率 – The 利率 開始 your bankまたはcredit union.
• Dealer 安値 利率 – The special 利率 that replaces the rebate.

結果の読み方

• Savings – How much cheaper the better optionはover the loan.です
• Break-even dealer 利率 – The 安値 利率 適用 which both options 原価 the same.

計算式

Rebate option: loan = 価格 + 税額 − 頭金 − rebate, 有給 適用 your own 利率. Low-rate option: loan = 価格 + 税額 − 頭金, 有給 適用 the dealer 利率. 1個あたり 合計はpayment × months, with payment = L × r ÷ (1 − (1 + r)^−n). The break-even rateはsolved numerically.ですです

計算例

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

前提と限界

• The same 期間個でboth loans.
• Sales 税額はcharged before the rebate.です
• Your own loan 利率 depends on your credit.

よくある間違い

• Choosing the rebate because cash feels better today without comparing 合計 利息.
• Not checking your own loan 利率 beforehand.

よくある質問

関連ツール