Debt consolidation calculator

如何使用Debt consolidation calculator

它计算什么，何时使用

Compares keeping your 电流 debts with replacing them by one consolidation loan、including any arrangement fee, 每月 payment、总计 利息.

使用步骤

1. List the debts with their balances、rates、payments.
2. Enter the new loan’s 利率、期限、fee.
3. Compare the 每月 payment、期限、总计 利息.

各输入项的含义

• New loan 利率 和 期限 – The offered 利息 利率 和 年.
• Arrangement fee – A 百分比 added 至 the loan.

如何阅读结果

• Savings 或 extra 成本 – 利息 on 电流 debts minus 利息 on the new loan.
• 月供 – The new payment compared with your 电流 payments.

公式

New loan = 总计 balances × (1 + fee). Payment = loan × r ÷ (1 − (1 + r)^−n). 利息 on the 电流 debts comes 从 paying 每件 以 its own 最小值 直到 cleared.

计算示例

A 4,500 card 以 22.9% 和 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 265.80 instead. Total interest drops from 3,931 至 2,259, a saving about 1,673.

假设与局限

• The new loan 是 fixed-rate 和 no new debt 是 run up.
• Early repayment charges on old debts are not modelled.

常见错误

• Choosing the lowest payment rather than the lowest 总计 成本.
• Running up the cleared cards again.

常见问题

相关工具