Cash back ou Mínima Juros calculator

Como usar a Cash back ou low interest calculator

O que calcula e quando usar

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

Como usar, passo a passo

1. Enter the car Preço, Entrada e Prazo.
2. Enter the rebate Quantidade e the loan Taxa you would Leve de your own lender.
3. Enter the dealer’s Mínima Taxa that applies only without the rebate.
4. Compare the total Pagas under Cada option e the break-even Taxa.

O que significa cada campo

• Rebate – Cash off the Preço if you do not use dealer Finanças.
• Your own loan Taxa – The Taxa de your bank ou credit union.
• Dealer Mínima Taxa – The special Taxa that replaces the rebate.

Como ler os resultados

• Savings – How much cheaper the better option é excedido the loan.
• Break-even dealer Taxa – The Mínima Taxa A which both options Custo the same.

A fórmula

Rebate option: loan = Preço + Imposto − Entrada − rebate, Pagas A your own Taxa. Low-rate option: loan = Preço + Imposto − Entrada, Pagas A the dealer Taxa. Cada total é payment × months, with payment = L × r ÷ (1 − (1 + r)^−n). The break-even rate é solved numerically.

Um exemplo prático

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

Premissas e limites

• The same Prazo por both loans.
• Sales Imposto é charged antes the rebate.
• Your own loan Taxa depends on your credit.

Erros comuns

• Choosing the rebate because cash feels better today without comparing total Juros.
• Not checking your own loan Taxa beforehand.

Perguntas frequentes

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