Title : This is the Everything About Calculation of Sports Car Credit Simulation
link : This is the Everything About Calculation of Sports Car Credit Simulation
This is the Everything About Calculation of Sports Car Credit Simulation
However, many people who do not yet understand in detail will only be able to calculate credit simulations. sport car the new one. This is the sunday calculation of a sports car loan simulation that is also known. Although many leasing and banks offer car and motorbike loan simulations, many people are confused and do not yet understand in detail the details of how to calculate car loan simulations.
Initially, the leasing side of the bank will explain in advance the gambling terms and conditions, agreements, until the calculation of a new car loan simulation to prospective buyers. Then, the prospective buyer will be asked to specify the type of car that will be bought.
1. To make money dp
If the price of the car is Rp 200 million, and the money is up to Rp 20 million, then the figure is obtained to be paid in advance of Rp 40 million. Tariffs of money can usually be the minimum amount for both leasing parties and banks. 20% is the minimum general amount that can be offered. The formula for calculating money that is paid is:
Money dp = 20% x the price of the car.
Then, 20% x Rp 200 million = Rp 40 million.
2. Determine the principal credit (pk)
Then, calculate the principal credit (pk) or the remaining credit that is also paid.
The formula is, pk = car price - dp.
So, Rp. 200 million - Rp. 40 million = Rp. 160 million.
3. Determine the interest rate (tb)
However, don't forget to calculate the interest rate (tb) that is paid first. How do you look for multiplying the principal credit (pk) and the percent interest rate (tb%) that is based on the tenor or the period of time (jw) as specified.
- The formula and the interest rate (tb) = principal credit (pk) х tb%.
- So, for a term of three years, the percent interest rate is 8%.
- Rp 160 million х 8% = Rp 12.8 million х 3 years = Rp 38.4 million.
4. Determine the amount of installments
As long as the amount of the interest rate that is paid as long as the 3-year installment period, is all due, and all that remains is to calculate the amount of installments that are paid.
- The formula is to add the principal credit (pk) and the interest rate (tb) and divided by the term of the credit (jw).
- Then get the monthly installment amount is, (Rp 160 million + Rp 38.4 million): 3 years (36 months) = Rp 5.551,200.
5. Specifies insurance rates and administrative costs.
Do not forget to calculate the insurance rates that are also paid. The formula is 9.5% (insurance rate for 3 years) х car price = 9.5% x rp 200 million = rp 19 million. As well as administrative costs. The administrative costs that are required when applying for a car loan for 3 years usually range from Rp 550,000. So, the total amount prepared for the payment of auto loans is:
Money dp + installments in the month before + insurance rates + administrative fees = Rp 40 million + Rp 5,511,200 + Rp 19 million + Rp 550,000 = Rp 65,061,200.
6. Completeness of administration
Which is not less important is the file and data administration. The completeness of administrative documents and data is also a determining condition for credit applications and is quickly approved. The documents that are owned as well as applying for car loans are, family cards, ID cards, paychecks, savings accounts, electricity / telephone / land tax, building documents and supporting documents, as all the requirements of the financial institution. Don't forget to check the documents that will be provided, make sure that the data is the latest data and is where you live now. It is only intended that there will be problems in your day.
That is the calculation of a new car loan simulation. Giving this vehicle is certainly a dream for every person. With a private vehicle, it can facilitate the activities because we can arrange it according to your needs.
Thus the article This is the Everything About Calculation of Sports Car Credit Simulation
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