Car Payment ની ગણતરી કેવી રીતે કરવી
Car Payment શું છે?
Calculates monthly loan payment from purchase price, interest rate, and loan term. Helps evaluate affordability and financing options.
સૂત્ર
Loan amount = purchase price - down payment
પગલું દ્વારા પગલું માર્ગદર્શિકા
- 1Loan amount = purchase price - down payment
- 2Monthly rate = annual rate ÷ 12
- 3Formula: payment = P × (r × (1+r)^n) ÷ ((1+r)^n - 1)
- 4Add taxes, insurance, registration
Worked Examples
ઇનપુટ
$25k, 60mo, 5%
પરિણામ
$472/mo
Common Mistakes to Avoid
- ✕Only looking at monthly payment, ignoring total interest paid
- ✕Not including insurance and maintenance in affordability analysis
Frequently Asked Questions
What down payment percentage is standard?
Typically 10-20%; 20% avoids PMI; more down payment reduces monthly cost.
How does interest rate affect payment?
Each 1% rate increase adds $15-20/month per $10k borrowed; rate critical to total cost.
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