SOBANUKIRWA IGISUBIZO Ibi bibarwa bite? 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 Ubwishyu = P × [r(1 + r)ⁿ] ÷ [(1 + r)ⁿ − 1]
Urugero rufatika 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 Ibisubizo byihuse 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.
Iki kigereranyo ni ukuri ku rugero rungana iki?+ Imibare ikurikiza ifomula yerekanwa, ariko igisubizo kiba nyacyo gusa uko igipimo, amafaranga y'inyongera, igihe n'ibindi wanditse ari ukuri.
Ubwishyu bw'inguzanyo bubarwa bute?+ Ifomula isanzwe yo kwishyura inguzanyo igabanya igishoro n'inyungu mu mubare wahisemo w'ubwishyu bwa buri kwezi.
Ese igihe kigufi kizigama inyungu?+ Akenshi yego. Igihe kigufi cyongera ubwishyu ariko kigabanya umubare w'amezi inyungu zikusanyirizwamo.
Ese nshobora kubikoresha ku nguzanyo y'umuntu ku giti cye?+ Yego, niba inguzanyo ifite igipimo kidahinduka n'ubwishyu busanzwe bwa buri kwezi. Ongera amafaranga y'inyongera yagurijwe ku mafaranga y'inguzanyo igihe bikwiye.
Kuki ubwishyu bwa mbere ahanini ari inyungu?+ Inyungu zishingira ku mafaranga asigaye, aba ari menshi cyane mu ntangiriro y'inguzanyo igenda yishyurwa.