FAHAM JAWAABTA Sidee tan loo xisaabiyaa? 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 Lacag-bixinta = P × [r(1 + r)ⁿ] ÷ [(1 + r)ⁿ − 1]
Tusaale wax ku ool ah 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.
SU'AALAHA CAADIGA AH Jawaabo degdeg ah 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.
Intee ayay sax tahay qiyaastani?+ Xisaabtu waxay raacdaa qaacidada la muujiyey, laakiin natiijadu waxay u sax tahay oo keliya sida heerka, khidmadaha, wakhtiga iyo mala-awaallada kale ee aad geliso.
Sidee lacag-bixinta deynta loo xisaabiyaa?+ Qaacidada amortization-ka caadiga ahi waxay raasumaalka iyo dulsaarka ku qaybisaa tirada lacag-bixinnada billaha ah ee la doortay.
Muddo gaaban ma kaydisaa dulsaar?+ Badanaa haa. Muddo gaaban waxay kordhisaa lacag-bixinta laakiin waxay yaraysaa tirada bilaha dulsaarku ururayo.
Ma u isticmaali karaa deyn shakhsi ah?+ Haa, haddii deyntu leedahay heer go'an iyo lacag-bixinno bille ah oo joogto ah. Khidmadaha la maalgeliyey ku dar lacagta deynta marka ay habboon tahay.
Maxay lacag-bixinta koowaad u badan tahay dulsaar?+ Dulsaarku wuxuu ku salaysan yahay hadhaaga aan la bixin, kaas oo ugu sarreeya bilowga deyn amortizing ah.