TAHURA INYISHU Ibi bibarwa gute? 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 Ikiguzi = P × [r(1 + r)ⁿ] ÷ [(1 + r)ⁿ − 1]
Akarorero ngirakamaro 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.
IBIBAZO BIKUNZE KUBAZWA Inyishu zihuta 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.
Iri gereranya ritomoye gute?+ Imibare ikurikira ifomula yerekanywe, ariko inyishu iba itomoye nk'igipimo, amahera y'ibikorwa, igihe n'ibindi winjiza gusa.
Ikiguzi c'inguzanyo kibarwa gute?+ Ifomula isanzwe yo kwishura inguzanyo igabura umutahe n'inyungu mu bitigiri vyatowe vy'ukwishura buri kwezi.
Ikiringo kigufi kiraziganya inyungu?+ Akenshi ego. Ikiringo kigufi congera ikiguzi ariko kigabanya amezi inyungu yegeranamwo.
Nshobora kubikoresha ku nguzanyo y'umuntu ku giti ciwe?+ Ego, iyo inguzanyo ifise igipimo kidahinduka n'ukwishura gusanzwe kwa buri kwezi. Ongerako amahera y'ibikorwa agurizwa ku mahera y'inguzanyo iyo bibereye.
Kuki ukwishura kwa mbere kurimwo inyungu nyinshi?+ Inyungu ishingiye ku mahera asigaye, aba menshi mu ntango y'inguzanyo iriko irishurwa.