RAZUMITE ODGOVOR Kako se to izračuna? 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 Plačilo = P × [r(1 + r)ⁿ] ÷ [(1 + r)ⁿ − 1]
Praktičen primer 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.
POGOSTA VPRAŠANJA Hitri odgovori 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.
Kako natančna je ta ocena?+ Izračun sledi prikazani formuli, vendar je rezultat natančen le toliko kot vnesena stopnja, pristojbine, časovni razpored in druge predpostavke.
Kako se izračuna obrok posojila?+ Standardna amortizacijska formula razporedi glavnico in obresti na izbrano število mesečnih obrokov.
Ali krajša doba prihrani obresti?+ Običajno da. Krajša doba zviša obrok, vendar zmanjša število mesecev obračunavanja obresti.
Ali lahko to uporabim za osebno posojilo?+ Da, če ima posojilo fiksno obrestno mero in redne mesečne obroke. Po potrebi financirane pristojbine prištejte znesku posojila.
Zakaj prvi obrok večinoma sestavljajo obresti?+ Obresti temeljijo na neodplačanem stanju, ki je na začetku amortizacijskega posojila najvišje.