Untuk lebih mudah, anda juga boleh lawati website ini atau mana site yang ada calculator.
http://www.yourmortgage.com.au/calculators/repay_basic/
Setelah anda masukkan loan amount = 250,000, interest rate = 3.5%, loan period = 30 tahun, keputusannya:-
| Loan Details |
|
||
| Loan amount: | 250,000 |
|
|
| Interest rate: | 3.5% |
|
|
| Loan term: | 30 years |
|
|
| Payment Frequency | Repayment Amount | Total Interest | |
| Monthly: | $1,123 | $154,140 | |
| Weekly: | $258 | $153,884 | |
| Fortnightly: | $516 | $153,961 | |
| Half monthly paid fortnightly: | $561 | ||
| $131,203 | |||
Dari monthly installment berjumlah $1,123 tadi, $7xx digunakan untuk membayar interest manakala $3xx digunakan untuk membayar Principal. Namun jumlah interest akan berkurangan setelah semakin lama anda membayar. Dan jumlah yang diguna untuk membayar Principal akan meningkat. Sila rujuk jadual dibawah.
Loan Amortisation Table
| 1 | 729.17 | 393.45 | 249,606.55 | |
| 2 | 728.02 | 394.59 | 249,211.96 | |
| 3 | 726.87 | 395.74 | 248,816.22 | |
| 4 | 725.71 | 396.90 | 248,419.32 | |
| 5 | 724.56 | 398.06 | 248,021.27 | |
| 1 | 6 | 723.40 | 399.22 | 247,622.05 |
| 7 | 722.23 | 400.38 | 247,221.67 | |
| 8 | 721.06 | 401.55 | 246,820.12 | |
| 9 | 719.89 | 402.72 | 246,417.40 | |
| 10 | 718.72 | 403.89 | 246,013.51 | |
| 11 | 717.54 | 405.07 | 245,608.43 | |
| 12 | 716.36 | 406.25 | 245,202.18 | |
Nota:-
Principal adalah loan amount atau jumlah yang dipinjam.
That is inspirational stuff. Never knew that opinions can be this diversed. Thanks for every bit of keenness to offer such helpful information here.