FAHAMI JAWAPAN Bagaimanakah ini dikira? 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 Bayaran = P × [r(1 + r)ⁿ] ÷ [(1 + r)ⁿ − 1]
Contoh praktikal 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.
SOALAN LAZIM Jawapan pantas 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.
Sejauh mana tepatnya anggaran ini?+ Pengiraan mengikut formula dipaparkan, tetapi hasil hanya setepat kadar, yuran, masa dan andaian lain yang anda masukkan.
Bagaimanakah bayaran pinjaman dikira?+ Formula pelunasan standard mengagihkan prinsipal dan faedah sepanjang bilangan bayaran bulanan yang dipilih.
Adakah tempoh lebih pendek menjimatkan faedah?+ Biasanya ya. Tempoh lebih pendek menaikkan bayaran tetapi mengurangkan bilangan bulan faedah terakru.
Bolehkah saya menggunakannya untuk pinjaman peribadi?+ Ya, jika pinjaman mempunyai kadar tetap dan bayaran bulanan biasa. Tambahkan yuran dibiayai kepada jumlah pinjaman apabila sesuai.
Mengapa bayaran pertama kebanyakannya faedah?+ Faedah berdasarkan baki tertunggak, yang paling tinggi pada permulaan pinjaman pelunasan.