Kikokotoo cha kuunganisha madeni
Linganisha kubaki na madeni yako na mkopo mmoja wa kuunganisha madeni, ikijumuisha ada na jumla ya riba.
Kuhusu Kikokotoo cha kuunganisha madeni
Linganisha kubaki na madeni yako na mkopo mmoja wa kuunganisha madeni, ikijumuisha ada na jumla ya riba.
Sehemu ya kitengo cha “Fedha” 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 kuunganisha madeni
Kinachohesabu na wakati wa kukitumia
Kinalinganisha kubaki na madeni yako ya sasa na kuyabadilisha kwa mkopo mmoja wa kuunganisha madeni, pamoja na ada yoyote ya mpango, malipo ya kila mwezi na jumla ya riba.
Jinsi ya kukitumia, hatua kwa hatua
- Orodhesha madeni pamoja na salio, viwango na malipo yake.
- Weka kiwango, muda na ada ya mkopo mpya.
- Linganisha malipo ya kila mwezi, muda na jumla ya riba.
Maana ya kila ingizo
- New loan kiwango na Muda – The offered Riba kiwango na miaka.
- Arrangement ada – A asilimia added hadi the loan.
Jinsi ya kusoma matokeo
- Savings au Ziada Gharama – Interest on current debts minus interest on the new loan.
- Malipo ya kila mwezi – The new payment compared with your current payments.
Fomula
New loan = total balances × (1 + fee). Payment = loan × r ÷ (1 − (1 + r)^−n). Interest on the current debts comes from paying each at its own minimum until cleared.
Mfano uliofanyiwa kazi
A 4,500 card at 22.9% and a 6,000 loan at 12.9% (payments 325 a month) consolidated into a 4-year 9.9% loan with no fee have a payment of 265.80 instead. Total interest drops from 3,931 to 2,259, a saving of about 1,673.
Dhana na mipaka
- The new loan ni fixed-rate na no new debt ni run up.
- Early repayment charges on old debts are not modelled.
Makosa ya kawaida
- Choosing the lowest payment rather than the lowest total cost.
- Running up the cleared cards again.
Maswali yanayoulizwa mara kwa mara
Kuunganisha madeni hakusaidii lini?
Ikiwa kiwango kipya hakiko chini kwa wazi, ikiwa muda ni mrefu zaidi sana au ikiwa ada zinafuta akiba.
Zana zinazohusiana
Maelezo
- New Kila mwezi payment
- £265.80£325.00 now
- New loan
- £10,5004 miaka at 9.9%
- Riba on the new loan
- £2,259
- Riba on your current debts
- £3,931imelipwa ndani ya 3 miaka, 9 miezi
- Muda hadi be debt-free
- 4 miaka dhidi ya 3 miaka, 9 miezi