Kalkulator konsolidasi utang
Bandhingake tetep nyicil utang-utang panjenengan karo siji kredit konsolidasi, kalebu biaya lan total bunga.
Babagan Kalkulator konsolidasi utang
Bandhingake tetep nyicil utang-utang panjenengan karo siji kredit konsolidasi, kalebu biaya lan total bunga.
Bagean saka seksi “Keuangan” 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 konsolidasi utang
Apa sing dietung lan kapan nganggo
Mbandhingake nyekel utang-utang saiki karo nggantine nganggo siji utangan konsolidasi, kalebu biaya administrasi, cicilan saben sasi lan total bunga.
Carane nganggo, langkah demi langkah
- Daftar utang-utange karo saldo, suku bunga lan cicilane.
- Lebokna suku bunga, tenor lan biaya utangan anyar.
- Bandhingake cicilan saben sasi, tenor lan total bunga.
Tegese saben input
- New loan tarif lan Tenor – The offered Bunga tarif lan taun.
- Arrangement biaya – A persentase added nganti the loan.
Carane maca asile
- Savings utawa Tambahan Modal – Interest on current debts minus interest on the new loan.
- Cicilan saben sasi – The new payment compared with your current payments.
Rumus
New loan = total balances × (1 + fee). Payment = loan × r ÷ (1 − (1 + r)^−n). Interest on the current debts comes from paying each at its own minimum until cleared.
Conto petungan
A 4,500 card at 22.9% and a 6,000 loan at 12.9% (payments 325 a month) consolidated into a 4-year 9.9% loan with no fee have a payment of 265.80 instead. Total interest drops from 3,931 to 2,259, a saving of about 1,673.
Asumsi lan watesan
- The new loan yaiku fixed-rate lan no new debt yaiku run up.
- Early repayment charges on old debts are not modelled.
Kesalahan umum
- Choosing the lowest payment rather than the lowest total cost.
- Running up the cleared cards again.
Pitakonan sing kerep ditakokake
Kapan konsolidasi ora mbantu?
Yen suku bunga anyar ora cetha luwih asor, yen tenore luwih dawa banget utawa yen biaya mbusak irit-iritane.
Piranti sing gegandhengan
Rincian
- New Saben sasi payment
- £265.80£325.00 now
- New loan
- £10,5004 taun at 9.9%
- Bunga on the new loan
- £2,259
- Bunga on your current debts
- £3,931lunas sajrone 3 taun, 9 sasi
- Wektu nganti be debt-free
- 4 taun vs 3 taun, 9 sasi