Kikokotoo cha ratiba ya marejesho ya mkopo (amortization)

Jinsi ya kutumia Kikokotoo cha ratiba ya marejesho ya mkopo (amortization)

Kinachohesabu na wakati wa kukitumia

Ratiba ya marejesho inaonyesha jinsi kila malipo ya mkopo wa kiwango kisichobadilika yanavyogawanyika kati ya riba na mtaji. Itumie kuona jinsi salio linavyoshuka polepole katika miaka ya mwanzo, kujua tarehe ya malipo yako ya mwisho na kupima athari ya kulipa ziada kila mwezi.

Jinsi ya kukitumia, hatua kwa hatua

1. Weka kiasi unachokopa, kiwango cha riba cha mwaka na muda kwa miaka.
2. Ongeza kiasi cha ziada cha kila mwezi ikiwa unapanga kulipa zaidi.
3. Chagua mwezi wa malipo yako ya kwanza ili ratiba ionyeshe tarehe halisi.
4. Soma malipo, jumla ya riba na mwezi wa malipo ya mwisho, kisha fungua ratiba ya mwaka kwa mwaka au mwezi kwa mwezi.

Maana ya kila ingizo

Jinsi ya kusoma matokeo

Fomula

Payment = P × r ÷ (1 − (1 + r)^−n). P is the amount borrowed, r is the yearly rate ÷ 12 and n is the number of monthly payments. Each month, interest = balance × r and principal = payment − interest. When the rate is 0 the payment is simply P ÷ n.

Mfano uliofanyiwa kazi

Borrow 300,000 at 6.5% for 30 years. The monthly payment is 1,896.20 over 360 payments, so you repay 682,633 and 382,633 of that is interest. In year 1 only 3,353 of the 22,754 paid reduces the loan. Adding 200 a month cuts the term by several years and saves a six-figure sum of interest.

Dhana na mipaka

Makosa ya kawaida

Maswali yanayoulizwa mara kwa mara

Zana zinazohusiana