Kalamin Kwatsi
Lissafa kwatsin rancen da dukan biyan kudi.
Yaya ake lissafa?
Kwatsi = Asalin kudi × i ÷ (1 - (1 + i)⁻ⁿ), i = Rangwamen shekara ÷ 12 ÷ 100
Misali: Da ribar 0%, Kwatsi = Asalin kudi ÷ Tsawon lokaci
Karin bayani akan wannan lissafin
Matsakaicin ƙayyadaddun biyan kuɗi ne na yau da kullun da ake amfani da shi don biyan lamuni akan lokaci. Wannan kalkuleta yana nuna kuɗin kowane wata, jimlar biyan kuɗi da jimillar riba.
Ana ƙididdige biyan lamuni ne tare da tsarin amortization wanda ke amfani da ƙimar ribar kowane wata da adadin biyan kuɗi, don haka kowane kashi ɗaya adadin ne. Kowane biyan kuɗi yana ɗaukar riba na wannan lokacin kuma yana rage sauran shugaban makarantar. Tsawon lokaci yana rage biyan kuɗi na wata-wata amma yana ƙara yawan ribar da aka biya a tsawon rayuwar lamunin.
Tambayoyin da ake yawan yi
Ta yaya ake ƙididdige adadin kuɗi na wata-wata?
Yin amfani da dabarar amortization tare da adadin ribar kowane wata da jimlar adadin biyan kuɗi, wanda ke kiyaye kowane kashi daidai.
Me yasa jimlar biyan bashin ya fi lamuni?
Domin ana ƙara riba akan adadin kuɗin da kuka aro, don haka ku biya babba tare da riba.
Me zai faru idan na zaɓi dogon lokaci?
Tsawon lokaci yana rage biyan kuɗi na wata-wata amma yana ƙara yawan ribar da kuke biya.