MALAMALAMA I LE TALI E faapefea ona fuafua lenei mea? 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 Totogi = P × [r(1 + r)ⁿ] ÷ [(1 + r)ⁿ − 1]
O se faataitaiga aoga 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.
FESILI MASANI Tali vave 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.
O le ā le sa'o o lenei fuafuaga?+ E mulimuli le numera i le fua ua faaalia, ae e na o le sa'o o le fua, pili, taimi ma isi manatu ua e tusia e sa'o ai le taunuuga.
E faapefea ona fuafua se totogi o le nonogatupe?+ O le fua masani o le amortization e vaevae ai le tupe autu ma le tului i le numera filifilia o totogi faalemasina.
E sefe tului i se vaitaimi puupuu?+ E masani ona ioe. O se vaitaimi puupuu e sii ai le totogi ae faaitiitia le numera o masina e faaputuputu ai tului.
E mafai ona ou faaaoga lenei mea mo se nonogatupe patino?+ Ioe, pe afai e tumau le fua o le nonogatupe ma iai totogi masani faalemasina. Faaopoopo pili ua faatupeina i le aofaiga o le nonogatupe pe a talafeagai.
Aisea e tele ai le tului i le totogi muamua?+ E faavae le tului i le paleni o loo totoe, lea e sili ona maualuga i le amataga o se nonogatupe amortizing.