Kikokotoo cha kukodisha gari
Malipo ya kila mwezi ya ukodishaji yaliyogawanywa kuwa uchakavu na gharama ya ufadhili, pamoja na gharama ya jumla ya ukodishaji.
Kuhusu Kikokotoo cha kukodisha gari
Malipo ya kila mwezi ya ukodishaji yaliyogawanywa kuwa uchakavu na gharama ya ufadhili, pamoja na gharama ya jumla ya ukodishaji.
Sehemu ya kitengo cha “Magari na ukodishaji” cha SmartCalcy. Kinaendeshwa kwenye kivinjari chako bila akaunti, kinatumia sarafu na vipimo vyako (vibadilishe juu ya ukurasa), na kinatoa makadirio kwa taarifa tu, kwa hiyo angalia mwongozo rasmi kabla ya kutegemea matokeo.
Jinsi ya kutumia Kikokotoo cha kukodisha gari
Kinachohesabu na wakati wa kukitumia
Kadiria malipo ya ukodishaji kutokana na bei, thamani iliyobaki, muda na kiwango. Kinagawanya malipo kuwa gharama ya kushuka kwa thamani ya gari na gharama ya ufadhili.
Jinsi ya kukitumia, hatua kwa hatua
- Weka bei ya gari na thamani iliyobaki mwishoni mwa ukodishaji kama asilimia.
- Weka malipo yako ya mwanzo, gari lolote la kubadilishana na ada zilizoongezwa kwenye ukodishaji.
- Weka muda kwa miezi, kiwango cha riba (APR) na kodi kwa kila malipo.
Maana ya kila ingizo
- Residual – What the vehicle is expected to be worth at the end, as a percentage of price.
- Inalipwa up front – A deposit that reduces the capitalised cost.
- Kiwango – APR. The money factor ni APR ÷ 2400.
Jinsi ya kusoma matokeo
- Kila mwezi lease payment – Depreciation, Fedha charge na yoyote kodi.
- Jumla cost ya the lease – All payments plus what you pay at the start.
Fomula
Depreciation = (capitalised cost − residual) ÷ term. Finance charge = (capitalised cost + residual) × money factor. Payment = (depreciation + finance charge) × (1 + tax rate).
Mfano uliofanyiwa kazi
A 35,000 car with a 60% residual (21,000), 2,000 down and 795 of fees has a capitalised cost of 33,795. Over 36 months at 6% the depreciation is 355.42, the finance charge is 136.99 and the payment is 492.40, so the lease costs 19,727 including the deposit.
Dhana na mipaka
- Mileage limits na wear charges are not included.
- You own nothing at the end unless you buy the vehicle.
- Fees and rules differ by country and by lender.
Makosa ya kawaida
- Comparing lease payments with loan payments without considering what you own at the end.
- Forgetting mileage na end-of-lease charges.
Maswali yanayoulizwa mara kwa mara
Money factor ni nini?
Kiwango cha riba cha ukodishaji kinachoonyeshwa kama desimali ndogo. Zidisha kwa 2400 ili kupata APR ya kukadiria.
Je, kukodisha ni nafuu kuliko kununua?
Malipo kwa kawaida ni madogo zaidi, lakini huna mali mwishoni. Linganisha gharama za jumla katika mizunguko kadhaa.
Zana zinazohusiana
Maelezo
- Money factor
- 0.0025APR ÷ 2400
- Residual Thamani
- £21,000.00
- Kiasi hadi depreciate
- £12,795.00
- Inalipwa at the Anza
- £2,000.00
- Jumla cost ya the lease
- £19,726.55payments plus money up front