MALAMALAMA KI TE TALI E fuafua pefea te mea tenei? 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]
He fakaaogāga moni 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 MAHANI Nā 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.
E hako pefea te fakatatau tenei?+ Ko te matematika e mulimuli ki te fakavae e fakaali, kae ko te tonu o te tali e fuafua ki te fua, totogi, taimi ma iētahi manatu fakavae e tuku ki loto.
E fuafua pefea he totogi nonogatupe?+ Ko te fua mahani o te totogi nonogatupe e tufatufa te tinoitupe ma te tului ki te numela filifilia o nā totogi i te masina.
E fakahao tului he vaitaimi pukupuku?+ E mahani lava e ā. Ko he vaitaimi pokole e fakalahi te totogi kae fakaititia te numela o mahehina e tupu ai te tului.
E mafai ke fakaaogā te mea tenei mō he nonogatupe patino?+ Ā, pe afai e tumau te fua o te nonogatupe ma i ei nā totogi fakamahehina tumau. Fakaopoopo nā totogi kua fakatupe ki te aofaki nonogatupe pe a talafeagai.
Aiheā e lahi ai te tului i te totogi muamua?+ E fakavae te tului ki te paleni e heki totogia, e pito maualuga i te kamata o he nonogatupe e totogi fakaholosolo.