Kikokotoo cha punguzo la pesa taslimu au riba nafuu
Amua kama punguzo la pesa taslimu au mkopo wa riba nafuu wa muuzaji ni nafuu zaidi unaponunua gari.
Kuhusu Kikokotoo cha punguzo la pesa taslimu au riba nafuu
Amua kama punguzo la pesa taslimu au mkopo wa riba nafuu wa muuzaji ni nafuu zaidi unaponunua gari.
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 punguzo la pesa taslimu au riba nafuu
Kinachohesabu na wakati wa kukitumia
Amua kama uchukue punguzo la pesa taslimu la muuzaji na ufadhiliwe mahali pengine, au uchukue ufadhili wa riba ndogo wa muuzaji na uache punguzo.
Jinsi ya kukitumia, hatua kwa hatua
- Weka bei ya gari, malipo ya awali na muda.
- Weka kiasi cha punguzo na kiwango cha mkopo ambacho ungepata kutoka kwa mkopeshaji wako mwenyewe.
- Weka kiwango cha chini cha muuzaji kinachotumika tu bila punguzo.
- Linganisha jumla iliyolipwa chini ya kila chaguo na kiwango cha kurudisha gharama.
Maana ya kila ingizo
- Rebate – Cash off the price if you do not use dealer finance.
- Your yangu loan kiwango – The kiwango from your bank au credit union.
- Dealer chini kiwango – The special rate that replaces the rebate.
Jinsi ya kusoma matokeo
- Savings – How much cheaper the better chaguo ni over the loan.
- Break-even dealer kiwango – The low rate at which both options cost the same.
Fomula
Rebate option: loan = price + tax − deposit − rebate, paid at your own rate. Low-rate option: loan = price + tax − deposit, paid at the dealer rate. Each total is payment × months, with payment = L × r ÷ (1 − (1 + r)^−n). The break-even rate is solved numerically.
Mfano uliofanyiwa kazi
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 in total; the dealer’s 1.9% loan with no rebate costs 28,324. The low-rate option wins by 1,131.63, and the break-even dealer rate is 3.48%.
Dhana na mipaka
- The sawa Muda kwa both loans.
- Sales kodi ni charged Kabla the rebate.
- Your own loan rate depends on your credit.
Makosa ya kawaida
- Choosing the rebate because cash feels better today without comparing total interest.
- Not checking your own loan rate beforehand.
Maswali yanayoulizwa mara kwa mara
Kipi kwa kawaida ni bora?
Kadiri kiwango cha muuzaji kilivyo chini ukilinganisha na chako, na kadiri muda ulivyo mrefu, ndivyo kiwango cha chini kinavyokuwa na thamani zaidi.
Zana zinazohusiana
Maelezo
- Rebate chaguo: loan
- £24,500.00£490.93 a Mwezi at 7.5%
- Rebate chaguo: Jumla Inalipwa
- £29,455.78
- Low-rate chaguo: loan
- £27,000.00£472.07 a Mwezi at 1.9%
- Low-rate chaguo: Jumla Inalipwa
- £28,324.16
- Break-even dealer kiwango
- 3.48%the low rate at which both cost the same