Kalkulator cashback utawa bunga endhek
Temtokake endi sing luwih murah nalika tuku mobil: potongan tunai utawa kredit dealer kanthi bunga endhek.
Babagan Kalkulator cashback utawa bunga endhek
Temtokake endi sing luwih murah nalika tuku mobil: potongan tunai utawa kredit dealer kanthi bunga endhek.
Bagean saka seksi “Mobil & leasing” SmartCalcy. Lumaku ing browser panjenengan tanpa akun, nganggo mata uang lan satuan panjenengan dhewe (ganti ing sisih ndhuwur kaca), lan menehi perkiraan mung kanggo informasi, mula priksa pandhuan resmi sadurunge ngandelake asile.
Carane nganggo Kalkulator cashback utawa bunga endhek
Apa sing dietung lan kapan nganggo
Nemtokake apa njupuk cashback saka dealer lan golek pembiayaan ing papan liya, utawa njupuk pembiayaan bunga asor saka dealer lan ngeculake cashback.
Carane nganggo, langkah demi langkah
- Lebokna rega mobil, DP lan tenor.
- Lebokna jumlah cashback lan suku bunga utangan sing bakal panjenengan olehi saka bank dhewe.
- Lebokna suku bunga asor dealer sing mung ditrapake tanpa cashback.
- Bandhingake total sing dibayar ing saben pilihan lan suku bunga impas.
Tegese saben input
- Rebate – Cash off the price if you do not use dealer finance.
- Your dhewe loan tarif – The tarif from your bank utawa credit union.
- Dealer endhek tarif – The special rate that replaces the rebate.
Carane maca asile
- Savings – How much cheaper the better pilihan yaiku over the loan.
- Break-even dealer tarif – The low rate at which both options cost the same.
Rumus
Rebate option: loan = price + tax − deposit − rebate, paid at your own rate. Low-rate option: loan = price + tax − deposit, paid at the dealer rate. Each total is payment × months, with payment = L × r ÷ (1 − (1 + r)^−n). The break-even rate is solved numerically.
Conto petungan
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 in total; the dealer’s 1.9% loan with no rebate costs 28,324. The low-rate option wins by 1,131.63, and the break-even dealer rate is 3.48%.
Asumsi lan watesan
- The padha Tenor kanggo both loans.
- Sales pajak yaiku charged Sadurunge the rebate.
- Your own loan rate depends on your credit.
Kesalahan umum
- Choosing the rebate because cash feels better today without comparing total interest.
- Not checking your own loan rate beforehand.
Pitakonan sing kerep ditakokake
Biasane endi sing luwih apik?
Saya asor suku bunga dealer dibandhingake karo duweke panjenengan, lan saya dawa tenore, saya aji suku bunga asor kasebut.
Piranti sing gegandhengan
Rincian
- Rebate pilihan: loan
- £24,500.00£490.93 a Sasi at 7.5%
- Rebate pilihan: total Dibayar
- £29,455.78
- Low-rate pilihan: loan
- £27,000.00£472.07 a Sasi at 1.9%
- Low-rate pilihan: total Dibayar
- £28,324.16
- Break-even dealer tarif
- 3.48%the low rate at which both cost the same