MAHINO KI HE TALI ʻOku fikaʻi fēfē ʻeni? 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 Totongi = P × [r(1 + r)ⁿ] ÷ [(1 + r)ⁿ − 1]
Ko ha sīpinga ʻaonga 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.
NGAAHI FEHUʻI ANGAMAHENI Ngaahi 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.
ʻOku tonu fēfē e fakafuofua ni?+ ʻOku muimui e fika ki he founga ʻoku fakahaaʻi, ka ʻoku tonu pē e ola ʻo fakatatau ki he tuʻunga, ngaahi totongi, taimi mo e ngaahi fakafuofua kehe ʻoku ke fakahū.
ʻOku fikaʻi fēfē ha totongi nō?+ Ko e founga totongi fakasiʻisiʻi angamaheni ʻoku tufaki e paʻanga tefito mo e tute ʻi he lahi ʻo e ngaahi totongi fakamāhina kuo fili.
ʻOku fakahaofi nai ʻe ha taimi nounou ange e tute?+ ʻOku faʻa ʻio. ʻOku hiki ʻe ha taimi nounou ange e totongi ka fakasiʻisiʻi e lahi ʻo e ngaahi māhina ʻoku tanaki ai e tute.
ʻE lava nai ke u ngāueʻaki ʻeni ki ha nō fakafoʻituitui?+ ʻIo, kapau ʻoku tuʻumaʻu e tuʻunga ʻo e nō pea ʻi ai e ngaahi totongi fakamāhina angamaheni. Tānaki e ngaahi totongi kuo fakapaʻanga ki he lahi nō ʻi he taimi ʻoku feʻunga ai.
Ko e hā ʻoku lahi ai e tute ʻi he totongi ʻuluaki?+ ʻOku makatuʻunga e tute ʻi he palanisi ʻoku teʻeki totongi, ʻa ia ʻoku māʻolunga taha ʻi he kamataʻanga ʻo ha nō totongi fakasiʻisiʻi.