Ƙididdige biyan hayar motar ku na wata-wata ta amfani da hanyar EU (balloon annuity) ko US (abin kuɗi). Cikakken jadawalin rangwame, APR, jimlar kuɗi, da albashi da ake bukata.
An sabunta na ƙarshe:
Kalkuletan Lizing
Kalkuletan lizing na mota yana taimaka muku wajen ƙididdige ainihin biyan kuɗi na wata-wata don sayen mota ta hanyar lizing, ko kuna amfani da hanyar balloon annuity ta Turai ko hanyar money factor ta Amurka. Shigar da farashin mota, kuɗin gaba, adadin riba, wa'adin lizing, da sauran darajar — kalkuletan yana nuna biyanku na wata-wata nan take, jimlar kuɗin lizing, da ingantaccen APR.
Kayan aikin yana goyon bayan hanyoyi biyu na ƙididdiga: hanyar EU (balloon annuity), wanda yawancin kamfanonin lizing na Turai ke amfani da shi, da hanyar US (money factor), ma'auni a wuraren sayar da motoci na Amurka. Zaɓi hanyar da ta dace da mai ba ku sabis kuma samun hoton gaskiya na jimlar kuɗinku kafin sanya hannu kan kwangila.
Bayanan shigarwa da za ku buƙata sune:
Kwatantawa
A Turai, ana ƙididdige lizing na mota ta amfani da hanyar balloon annuity. Bankuna da kamfanonin lizing kamar UniCredit Leasing, KBC Leasing, da Porsche Financial Services duk suna amfani da wannan tsari. Kuna biyan kuɗi daidai a kowane wata a tsawon wa'adin lizing, kuma a ƙarshen kwangilar akwai biyan kuɗi guda ɗaya mai girma — sauran darajar — wanda kuna iya biya don mallakar motar gaba ɗaya, sake sayen bashi, ko kawai mayar da motar. Riba tana tarawa a kan sauran babban jari, wanda ke raguwa tare da kowane biya.
A Amurka, ma'aunin shine hanyar money factor (MF). Maimakon adadin riba na shekara, masu sayar da motoci suna ba da money factor — ƙaramin lamba kamar 0.00125. Ninka money factor da 2,400 yana ba da kusan adadin kashi na shekara (0.00125 × 2,400 = 3%). Biyan wata-wata ya kasu kashi biyu: raguwar darajar (bambancin tsakanin kuɗin jari da sauran darajar, da aka raba a kan wa'adin) da kuɗin kuɗi (jimlar kuɗin jari da sauran darajar, da aka ninka da money factor).
Wane hanya ya kamata ku yi amfani da shi? Idan kuna aiki da kamfanin lizing na Turai, zaɓi hanyar EU. Idan kuna kimanta tayin daga wuraren sayar da motoci na Amurka ko shigo da mota daga Amurka, yi amfani da hanyar US. Hanyoyin biyu suna samar da sakamako iri ɗaya tare da sigogi iri ɗaya, amma tsarin lissafin su sun bambanta kuma kwatanta kai tsaye yana buƙatar juyawa tsakanin biyun.
Tsarin Lissafi
Biyanku na lizing na wata-wata a ƙarƙashin hanyar EU ana ƙididdige shi azaman balloon annuity. Adadin da aka samu shine bambancin tsakanin farashin mota da kuɗinku na gaba. Sauran darajar (balloon) ana ɗaukarta azaman biya guda ɗaya a ƙarshen wa'adin. Tsarin lissafin shine:
PMT = (P − RV / (1+r)^n) × r / (1 − (1+r)^(−n))
Inda P shine adadin da aka samu, RV shine sauran darajar, r shine adadin riba na wata-wata (adadin shekara / 12), kuma n shine adadin watanni. Sauran darajar mafi girma yana nufin biyan wata-wata mafi ƙanƙanta amma wajibcin mafi girma a ƙarshen kwangila.
A ƙarƙashin hanyar US, biyan ya kasu zuwa:
Don rage biyanku na wata-wata: ƙara kuɗin gaba, sasanta sauran darajar mafi girma, tsawaita wa'adin lizing, ko samun ƙarancin adadin riba ko money factor. Ka tuna cewa wa'adi mafi tsawo yana rage lissafin wata-wata amma yana ƙara jimlar ribar da aka biya a tsawon rayuwar lizing.
Jimlar Kuɗi
Jimlar kuɗin lizing shine jimlar duk biyan kuɗi na wata-wata a tsawon wa'adin da kuɗinku na gaba. Idan kuna shirin siyan motar a ƙarshen kwangila, ƙara sauran darajar ma. Kwatanta wannan jimlar da farashin siye kai tsaye don ganin ainihin kuɗin ƙarin sayen ta hanyar lizing.
Bayan biyan kuɗi na wata-wata, lizing yawanci yana ɗaukar ƙarin kuɗi: kuɗin farawa (1-3% na darajar mota), inshorar cikakke mai wajibi da kusan duk masu ba da lizing ke buƙata, hukunci na dakatar da wuri, da yuwuwar kuɗin ƙarin kilomita a kan lizingin aiki (yawanci €0.05-0.20 ga kowane km sama da iyakar shekarar da aka amince).
Fa'idodin lizing: ƙarancin kuɗin farko, koyaushe tuƙi sabuwar mota kowane shekaru 3-4, cikakken guarantin masana'anta a lokacin wa'adin, da fa'idodin haraji ga kasuwanci. Rashin amfani: ba ku da ikon mallakar motar a lokacin kwangila, takurawa a kan kilomita da gyare-gyare, kuma jimlar kuɗi a kan zagaye-zagayen lizing ya fi siyan kai tsaye.
Sauran darajar a ƙarshen kwangila sigar muhimmanci ne. A lizing na kuɗi an gyara ta a gaba, kuma kuna da 'yancin siyan motar a wannan farashin. A lizing na aiki kuna mayar da motar kawai — zaɓi mai kyau idan kun fi so ku canza samfuri akai-akai ba tare da damuwa da haɗarin raguwar darajar ba.
APR
Adadin Kashi na Shekara (APR) a cikin lizing yana wakiltar ainihin kuɗin sayen bashi da aka bayyana a matsayin kashi na shekara na adadin da aka aro. Ba kamar adadin riba na yau da kullun ba, APR yana ƙunshe da duk kuɗi da cajin da ke da alaƙa da kwangilar, wanda ya sa ya zama kayan aiki mafi daidaito don kwatanta tayin daga masu bayarwa daban-daban.
Ga lizing na EU, ana ƙididdige APR ta amfani da hanyar Newton-Raphson mai maimaitawa. Muna neman adadin rangwame r wanda darajar yanzu na duk kuɗin — biyan wata-wata da balloon — ya yi daidai da adadin da aka samu. Wannan lissafin ba shi da warwarewar nazari kuma dole ne a warware shi ta hanyar lamba. Kalkuletanmu yana yin wannan maimaitawa ta atomatik kuma yana nuna daidai APR zuwa maki biyu na decimal.
Ga lizing na US, akwai ƙididdiga mai sauri:
Kusan APR ≈ Money Factor × 2,400
Misali, money factor na 0.00150 ya dace da kusan 3.6% a kowace shekara. Wannan ƙididdigan ya isa don dalilai na kwatantawa amma ainihin APR na iya bambanta da makin kashi 0.1-0.3 dangane da tsarin biya. Don cikakkun ƙididdigen doka — kamar waɗanda ake buƙata a ƙarƙashin jagororin bashin masu amfani na EU — yi amfani da hanyar Newton-Raphson mai maimaitawa.
Tips
Yi shawarwari game da kuɗin tafiya, ba kawai biyan kuɗi ba
Yawancin dillalai suna jaddada ƙarancin biyan kuɗi kowane wata. Koyaushe yin shawarwarin farashin abin hawa (farashin hula) da farko - shine ginshiƙi na duka lissafin haya.
Nemi adadin kuɗin a bayyane
A kan yarjejeniyar hanyar Amurka, tambayi dillalin kuɗin kuɗin a rubuce. Ƙirƙirar da 2,400 kuma kwatanta da farashin kasuwa - dillalai wani lokaci suna yin alamar MF.
Rago darajar ya dogara da alamar
Motoci masu ƙima masu yawa (Toyota, Lexus, Porsche) suna samar da ƙananan biyan kuɗi na wata-wata a daidai sharuɗɗan iri ɗaya. Bincika sauran hasashen kafin zabar samfur.
Saita haƙiƙanin izinin nisan miloli
A kan kwangilar aiki, ƙetare yarjejeniyar nisan miloli na shekara-shekara yana haifar da gagarumin hukunci (€ 0.05-0.20 a kowace kilomita). Gina a cikin madaidaicin buffer lokacin sa hannu.
Kwatanta da lamunin banki
Yawan lamuni na atomatik daga bankuna galibi suna ƙasa da ƙimar haya. Idan kuna da niyyar mallakar motar a ƙarshe, lamuni na sirri na iya zama mai rahusa akan cikakken lokaci.
Haɗa inshora a cikin kasafin kuɗin ku
Inshorar cikakken inshora na wajibi yana ƙara 2-5% na ƙimar abin hawa kowace shekara. Haɗa wannan a cikin jimlar kuɗin ku na wata don ingantacciyar kwatance.
Kalkuletan hayar mota yana taimakon ku kiyasta biyan hayar wata-wata ɗinku da jimlar kuɗi. Yana amfani da ko dai hanyar balloon annuity ta EU (da bankuna na Turai ke amfani da su) ko hanyar abin kuɗi ta US (da dilalai na Amurka ke amfani da su) don ƙididdige daidaitaccen biyan wata-wata, jimlar kuɗin kudi, da APR.
Hanyar balloon annuity ta EU daidaitaccen da bankuna na Turai da kamfanoni na hayar ke amfani da su ne. Kuna ba da kuɗin ƙimar net na mota (farashi minus biyan farko), kuma ana saita ƙimar sauran (balloon) a ƙarshen kwangilar. Biyan wata-wata yana rufe riba da hada-hadar babban jari, tare da ƙimar balloon da ta rage ba a biya ba. Wannan yawanci yana haifar da ƙarancin biyan wata-wata idan aka kwatanta da rance na daidai.
Hanyar abin kuɗi dilalai na US ke amfani da ita ne. Biyan wata-wata yana da ɓangare biyu: ragewa (nawa ƙima mota ke rasa raba da wa'adi) da cajin kudi (bisa abin kuɗi). Abin kuɗi ninka da 2400 yana ba APR na kusan. Ƙarancin abin kuɗi yana nufin arhar kuɗin kudi.
Sauran darajar ita ce ƙimar mota da ake tsammani a ƙarshen wa'adin hayar. Sauran darajar mafi girma yana nufin ƙarancin biyan wata-wata saboda kuna ba da kuɗin ɓangaren ragewa kawai. A cikin hayar EU ana saita shi a matsayin kashi dari na farashin mota; a hayar US shine kashi dari na MSRP.
Abin kuɗi shine adadin kuɗin kudi don hayar mota ta salon US. Ya yi kama da adadin riba amma ana bayyana shi a matsayin ƙaramin decimal (misali, 0.00125). Ninka abin kuɗi da 2400 don samun APR na kusan. Abin kuɗi na 0.00125 daidai yake da kusan 3% APR.
Don hayar EU: Biyan wata-wata = Adadin da aka ba da kuɗi × [i/(1−(1+i)^−n)] − Sauran × [i/((1+i)^n−1)], inda i shine adadin riba na wata-wata kuma n shine yawan watanni. Don hayar US: Biyan wata-wata = Ragewa + Cajin kudi = (Cap cost net − Sauran)/n + (Cap cost net + Sauran) × Abin kuɗi.
Cap cost (kuɗin da aka tattara) shine farashin siyan da aka yi shawarwari na hanyar da ake amfani da shi a ƙididdigen hayar US. Na iya bambanta da MSRP (farashin alamar). Rage cap cost — ta hanyar shawartar ƙarancin farashin ko yin biyan rage cap cost — yana rage biyan wata-wata ɗinku.
Masana kuɗi yawanci suna ba da shawarar kin yin biyan farko manya akan hayar. Ba kamar rance ba, idan motar da aka hayar ta sata ko ta lalace, kuna rasa duk kuɗi da kuka sanya. Ya fi kyau kiyaye kuɗi kuma bari inshora ya rufe maye gurbin. Biyan farko mai matsakaici yana rage biyan wata-wata, amma fa'idar daidaita haɗari tana ƙasa.