Kikokotoo cha mkopo wa gari
Malipo ya kila mwezi na gharama ya jumla ya mkopo wa gari, pamoja na malipo ya awali, gari la kubadilishana, kodi ya mauzo na ada.
Kuhusu Kikokotoo cha mkopo wa gari
Malipo ya kila mwezi na gharama ya jumla ya mkopo wa gari, pamoja na malipo ya awali, gari la kubadilishana, kodi ya mauzo na ada.
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 mkopo wa gari
Kinachohesabu na wakati wa kukitumia
Kokotoa malipo ya kila mwezi na gharama ya jumla ya kufadhili gari, pamoja na malipo ya awali, gari la kubadilishana, kodi ya mauzo na ada.
Jinsi ya kukitumia, hatua kwa hatua
- Weka bei ya gari na malipo yako ya awali.
- Ongeza thamani ya gari la kubadilishana na kiasi chochote ambacho bado kinadaiwa juu yake.
- Ongeza kodi ya mauzo na ada ikiwa hazimo kwenye bei.
- Weka kiwango na muda kwa miezi.
Maana ya kila ingizo
- Trade-in – What the dealer gives you kwa your old car.
- Still owed – Any remaining finance on the old car. It is added to the new loan.
- Sales kodi – Charged on the price minus the trade-in where that applies.
- Muda – Namba ya Kila mwezi payments.
Jinsi ya kusoma matokeo
- Malipo ya kila mwezi – Cha The fixed amount due each mon.
- Kiasi financed – Bei plus tax na fees minus deposit na trade-in.
- Jumla cost ya the car – Zote payments plus Malipo ya awali na trade-in.
Fomula
Financed = price + tax + fees − deposit − trade-in + amount owed. Payment = Financed × r ÷ (1 − (1 + r)^−n), where r is the yearly rate ÷ 12 and n is the term in months.
Mfano uliofanyiwa kazi
A 30,000 car with 3,000 down and 500 of fees is a 27,500 loan. At 7.9% over 60 months the payment is 556.29, total interest is 5,877 and the total cost of the car is about 36,377.
Dhana na mipaka
- A fixed kiwango na equal payments.
- Insurance, fuel na depreciation are not included.
- Dealer finance rates depend on your credit.
Makosa ya kawaida
- Choosing a long term to lower the payment. Over 72 months you may owe more than the car is worth.
- Rolling negative equity into a new loan without noticing.
Maswali yanayoulizwa mara kwa mara
Muda upi ni bora?
Mfupi zaidi unaoweza kumudu kwa urahisi. Muda mrefu zaidi hugharimu riba nyingi zaidi na kuna hatari ya kudaiwa zaidi ya thamani ya gari.
Je, kiwango cha muuzaji ni bora kuliko cha benki yangu?
Linganisha APR ya ofa zote mbili. Wauzaji wakati mwingine hutoa viwango vya promosheni.
Zana zinazohusiana
Maelezo
- Kiasi financed
- £27,500.00
- Sales kodi
- £0.00
- Jumla ya riba
- £5,877.14
- Jumla cost ya the car
- £36,377.14payments, Malipo ya awali na trade-in
- Imelipwa ndani ya
- 5 miaka
Mwaka kwa mwaka
| Mwaka | Mtaji | Riba | Salio |
|---|---|---|---|
| 1 | £4,670 | £2,006 | £22,830 |
| 2 | £5,052 | £1,623 | £17,778 |
| 3 | £5,466 | £1,209 | £12,312 |
| 4 | £5,914 | £762 | £6,398 |
| 5 | £6,398 | £277 | £0 |