Kikokotoo cha mkopo
Hesabu za ulipaji, malipo yaliyoahirishwa na hatifungani pamoja na ratiba ya malipo.
Kuhusu Kikokotoo cha mkopo
Hesabu za ulipaji, malipo yaliyoahirishwa na hatifungani pamoja na ratiba ya malipo.
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 mkopo
Kinachohesabu na wakati wa kukitumia
Kinashughulikia njia tatu za kawaida ambazo kiasi cha pesa hukopwa au kurejeshwa: mkopo wa marejesho (amortized) wenye malipo ya mara kwa mara, mkopo wa malipo yaliyoahirishwa unaorejeshwa kwa mkupuo mmoja mwishoni, na hatifungani, ambapo unapata thamani ya leo ya marejesho yanayojulikana ya baadaye. Chati inagawanya jumla kuwa mtaji na riba.
Jinsi ya kukitumia, hatua kwa hatua
- Chagua aina ya mkopo: wa marejesho, wa malipo yaliyoahirishwa au hatifungani.
- Weka kiasi, muda kwa miaka pamoja na miezi yoyote ya ziada, na kiwango cha riba cha mwaka.
- Chagua jinsi riba inavyojumuishwa, na kwa mkopo wa marejesho, mara ngapi unarejesha.
- Ukipenda, ongeza kiasi cha ziada kwa kila malipo.
- Soma matokeo, chati ya mtaji na riba, na ratiba ya malipo.
Maana ya kila ingizo
- Kiasi cha mkopo – The sum borrowed. In Bond mode this becomes the future repayment amount.
- Muda – Years, plus extra months. Fractions of a year work, for example 2 years 6 months.
- Kiwango cha riba – The yearly nominal rate. Zero is allowed and gives a loan with no interest.
- Compound – How often interest is added to the balance: monthly, annually, semi-annually, quarterly, weekly, daily or continuously.
- Malipo back – Amortized only. How often a payment is made: every month, quarter, half year, year, two weeks or week.
- Ziada with Kila kimoja payment – Si lazima. It goes Moja kwa moja hadi the balance na shortens the loan.
Jinsi ya kusoma matokeo
- Repayment kwa Kipindi – Amortized. The fixed amount due at each payment date.
- Kiasi Mwisho at maturity – Deferred payment. The principal plus all compounded interest, paid once at the end.
- Initial Thamani – Bond. The bei Leo that grows hadi the future repayment Kiasi.
- Jumla ya riba – Everything Inalipwa above the Kiasi Kilichokopwa.
- Kiwango halisi cha mwaka – The true yearly growth after compounding, so different compounding choices can be compared.
- Schedule – A year-by-year table ya principal, Riba na Salio.
Fomula
Effective annual rate EAR = (1 + r ÷ m)^m − 1, or e^r − 1 for continuous compounding. Rate per payment i = (1 + EAR)^(1 ÷ payments per year) − 1. Amortized payment = P × i ÷ (1 − (1 + i)^−n). Deferred amount due = P × (1 + EAR)^t. Bond initial value = future amount ÷ (1 + EAR)^t. Here t is the term in years and n is the number of payments.
Mfano uliofanyiwa kazi
Borrow 100,000 at 6% for 10 years, compounded monthly and paid monthly. The payment is 1,110.21 for 120 payments, 133,224.60 in total, so 33,224.60 is interest (25% of the total). Repaid instead as one lump sum with annual compounding, the amount due at the end is 179,084.77, of which 79,084.77 is interest. Working backwards, a bond promising 179,084.77 in 10 years at 6% is worth 100,000 today.
Dhana na mipaka
- A fixed kiwango kwa the whole Muda.
- Equal payments made at the Mwisho ya Kila kimoja Kipindi.
- Fees, insurance na early repayment charges are excluded.
- Compounding and payment frequency are treated separately, as lenders do.
Makosa ya kawaida
- Comparing loans by payment alone. A longer term lowers the payment but raises the total interest.
- Mixing up the nominal rate with the effective annual rate when compounding differs.
- miezi Entering huko the Miaka boksi.
- Forgetting that a deferred loan can cost far more than an amortized one, because interest is charged on unpaid interest for the whole term.
Maswali yanayoulizwa mara kwa mara
Mkopo wa marejesho (amortized) ni nini?
Ni mkopo unaorejeshwa kwa awamu sawa. Malipo ya mwanzo huwa mengi yakiwa riba, na ya baadaye mengi yakiwa mtaji.
Mkopo wa malipo yaliyoahirishwa ni nini?
Hakuna kinacholipwa hadi mwisho. Salio huongezeka kwa riba juu ya riba na hurejeshwa kwa malipo mamoja wakati wa kuiva.
Hali ya hatifungani inakokotoa nini?
Kiasi ambacho ungehitaji kukopesha au kuwekeza leo ili kikue hadi kufikia marejesho yanayojulikana ya baadaye.
Nini hutokea ikiwa kiwango ni sifuri?
Malipo ni mkopo ukigawanywa kwa idadi ya malipo, na hakuna riba.
Je, kiwango hiki ni APR?
Tumia APR ikiwa unataka ada zionekane kwenye gharama; vinginevyo tumia kiwango cha riba.
Kwa nini malipo ya kila wiki au kila wiki mbili huokoa riba?
Malipo ya mara kwa mara zaidi hupunguza salio mapema, hivyo riba kidogo hulimbikizwa.
Zana zinazohusiana
Maelezo
- Jumla of 60 payments
- £17,778.65
- Jumla ya riba
- £2,778.65
- Jumla iliyorejeshwa
- £17,778.65
- Kiwango kwa payment
- 0.575%
Mwaka kwa mwaka
| Mwaka | Mtaji | Riba | Salio |
|---|---|---|---|
| 1 | £2,602 | £954 | £12,398 |
| 2 | £2,787 | £768 | £9,611 |
| 3 | £2,986 | £570 | £6,625 |
| 4 | £3,199 | £357 | £3,426 |
| 5 | £3,426 | £129 | £0 |