Cash back 或 最低 利息 calculator

如何使用Cash back 或 low interest calculator

它计算什么，何时使用

Decide whether 至 take a dealer’s cash rebate 和 finance elsewhere、or take the dealer’s low-interest 财务、give up the rebate.

使用步骤

1. Enter the car 价格、首付、期限.
2. Enter the rebate 数量 和 the loan 利率 you would 得 从 your own lender.
3. Enter the dealer’s 最低 利率 that applies only without the rebate.
4. Compare the 总计 有薪 under 每件 option 和 the break-even 利率.

各输入项的含义

• Rebate – Cash off the 价格 if you 操作 not use dealer 财务.
• Your own loan 利率 – The 利率 从 your bank 或 credit union.
• Dealer 最低 利率 – The special 利率 that replaces the rebate.

如何阅读结果

• Savings – How much cheaper the better option 是 over the loan.
• Break-even dealer 利率 – The 最低 利率 以 which both options 成本 the same.

公式

Rebate option: loan = 价格 + 税款 − 首付 − rebate, 有薪 以 your own 利率. Low-rate option: loan = 价格 + 税款 − 首付, 有薪 以 the dealer 利率. 每件 总计 是 payment × months, with payment = L × r ÷ (1 − (1 + r)^−n). The break-even rate 是 solved numerically.

计算示例

total; the dealer’s 1.9% loan with no rebate costs 28,324. The low-rate option wins by 1,131.63, 的 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 和 the break-even dealer rate 是 3.48%.

假设与局限

• The same 期限件both loans.
• Sales 税款 是 charged before the rebate.
• Your own loan 利率 depends on your credit.

常见错误

• Choosing the rebate because cash feels better today without comparing 总计 利息.
• Not checking your own loan 利率 beforehand.

常见问题

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