KONPRANN REPONS LAN Kijan yo kalkile sa? Both plans use the same principal with fixed monthly payments. The comparison includes principal and interest only; lender fees, insurance, penalties and irregular payment timing are excluded.
Fixed-payment loan comparison Peman = P × [r(1 + r)ⁿ] ÷ [(1 + r)ⁿ − 1]
Yon egzanp pratik Compare a 25,000 loan at 7.5% for five years with 6.5% for four years. The shorter plan can have a higher payment while reducing total interest.
KESYON KOMEN Repons rapid Should I choose the lowest monthly payment?+ Not automatically. Compare total interest, fees and payoff time as well as the monthly amount.
Does Plan B use a different loan amount?+ No. Both plans use the same principal so the rate-and-term tradeoff is clear.
Ki presizyon estimasyon sa a genyen?+ Matematik la suiv fòmil ki parèt la, men rezilta a presi sèlman selon to, frè, lè ak lòt sipozisyon ou antre.
Kijan yo kalkile yon peman prè?+ Yon fòmil amortisman estanda distribye kapital ak enterè sou kantite peman chak mwa yo chwazi a.
Èske yon tèm pi kout ekonomize enterè?+ Anjeneral wi. Yon tèm pi kout ogmante peman men li redui kantite mwa enterè akimile.
Èske mwen ka itilize sa pou yon prè pèsonèl?+ Wi, si prè a gen yon to fiks ak peman regilye chak mwa. Ajoute frè ki finanse sou kantite prè lè sa apwopriye.
Poukisa premye peman an sitou enterè?+ Enterè baze sou balans ki rete, ki pi wo nan kòmansman yon prè amortize.