Car Payment ची गणना कशी करावी
Car Payment म्हणजे काय?
Calculates monthly loan payment from purchase price, interest rate, and loan term. Helps evaluate affordability and financing options.
सूत्र
Loan amount = purchase price - down payment
चरण-दर-चरण मार्गदर्शक
- 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
इनपुट
$25k, 60mo, 5%
परिणाम
$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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