MALAMALAMA I TE TALI E fika 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 Peimeni = P × [r(1 + r)ⁿ] ÷ [(1 + r)ⁿ − 1]
Se fakaakoakoga 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 fakavave 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 pefea te tonu o te fakaasiga tenei?+ Te matematika e tautali ki te auala e fakaasi, kae te ikuga e tonu fua e pelā mo te pasene, togi, taimi mo manatu fakavae e fakaulu.
E fika pefea te peimeni nonoga?+ Te auala masani o amortization e vaevae te tupe tonu mo pasene ki te aofaki o peimeni i masina ne filifili.
E sefe ne se vaitaimi toetoe te pasene?+ E masani e ao. Se vaitaimi toetoe e fakalasi te peimeni kae fakafoliki masina e tupu ei te pasene.
E mafai o fakaaoga mō se nonoga totino?+ Ao, māfai te nonoga e isi sena pasene tumau mo peimeni masani i masina. Fakaopoopo togi ne nono ki te aofaki nonoga māfai e fetaui.
Kaia e lasi ei te pasene i te peimeni muamua?+ Pasene e fakavae ki te tupe e seki ‵togi, telā e maluga i te kamataga o se nonoga amortization.