http___www.zhitov.ru_ga_credit__1.xml
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Loan Calculator Enter the amount and term of the loan, the interest rate and payment type. The calculator will calculate the amount of payments, the debt and the cost of credit. More people for major purchases using credit. Banks and non-bank organizations offer get credit for a variety of conditions. When you take great credit, for example, to buy an apartment, a car, a loan for the construction of a home or business development, it is important to know that this loan will get you. To be sure of choosing a credit program, we offer you to use our loan calculator. In the appropriate boxes, type the loan amount, loan term in months and the interest rate, and also specify the type of payment-annuity or differential, and you can find out what part of the mortgage payment goes to paying off debt and how much to repay the interest on the loan, the balance of its debt on a monthly basis, the amount of the overpayment, as per month and for the entire term of the loan, and the real interest rate on the loan. Differential payments When differential method of debt repayment on the loan amount of loan is divided into equal shares. These shares make up the bulk of the monthly payments. The residual part represent interest on the unpaid balance on the loan. So a month from month to month payments is reduced. Such a way of repaying the loan there are drawbacks. The main one is that the credit with this way of repaying debt harder to get. The Bank expect the maximum amount of the loan, based on whether the borrower is to pay the first contribution. This means that to get such a loan is required to have a high enough income. In some cases, it may help bail guarantors or co-borrowers attraction. Another drawback is that the first half of the payment is for the borrower to especially severe. If we are talking about a big loan it can become a heavy burden for the borrower. But this disadvantage can turn into dignity. Inflation and declining interest rates make payments more burdensome. Annuity payments When the annuitetnom method of debt repayment on the loan in equal parts is not only the amount of debt, but also the interest for the entire term of the loan. Thus, the borrower pays the equal largest contributions throughout the period of payments. Today, such a method of payment is used by most commercial banks. The main disadvantage of the annuity payments in the amount of overpayment on the loan will be higher than with differentiated system. In addition to annuity payments system assumes that, in the first half of the loan period you pay in interest on the loan. The main amount of the debt in this period remained almost untouched. Conclusion If you want to take credit for a large sum and do not intend to repay it prematurely, you loan with annuity payment system. In other cases, especially when it comes to long-term lending, it is better to choose a bank that provides loans with differentiated payments.
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Áireamhán Iasacht Luaigh méid agus téarma na hiasachta, rátaí úis agus an cineál íocaíochta. Beidh an t-áireamhán a ríomh ar an méid na n-íocaíochtaí, fiach agus an costas creidmheasa. Tá daoine níos mó agus níos mó le haghaidh ceannach mór seirbhísí iasachta. Thairiscint Bainc agus neamh-bainc iasacht ar éagsúlacht na coinníollacha. Nuair a ghlacadh tú ar iasacht mór, mar shampla, a cheannach árasán, carr, iasacht a thógáil forbairt teach nó gnó, tá sé tábhachtach go mbeadh a fhios go bhfuil an iasacht a mbeidh tú in ann a dhéanamh. Chun a bheith cinnte a roghnú le clár iasacht, molaimid duit úsáid a bhaint as ár n-áireamhán iasacht. Cuir isteach i réimsí cuí an méid iasacht, an téarma na hiasachta i míonna agus an ráta úis, agus an cineál íocaíochta a shonrú - blianacht nó difreálach, agus is féidir leat a fháil amach cé acu de na híocaíochtaí ar an iasacht a íoc as na fiacha, agus cé mhéad a íoc úis ar an iasacht, an t-iarmhéid amach a fiach le haghaidh mhí, is é méid na ró-íocaíochta mar in aghaidh na míosa, agus le haghaidh an téarma iasachta ar fad, agus an ráta úis iarbhír ar an iasacht. Íocaíochtaí difreáilte Tá bealach difreáilte i dtaobh aisíoca fiach ar an méid iasacht ar an iasacht roinnte go codanna comhionanna. Is ionann na scaireanna an chuid is mó na n-íocaíochtaí míosúla. Ionadaitheach do leas an iarmharacha ar an gcuid den iarmhéid gan íoc ar an iasacht. Dá bhrí sin laghdaíonn na míosa ar payout mhí. Sa an modh seo de aisíoc na hiasachta Tá a drawbacks. Is é an ceann is mó go bhfuil an iasacht le ar bhealach a aisíoc fiach níos deacra a fháil. Tá an banc a ríomh ar an méid uasta an iasacht, bunaithe ar an bhfíric cibé an bhfuil an t-iasachtaí in ann íoc an chéad phréimh. Ciallaíonn sé seo go a fháil den sórt sin ar iasacht gá go mbeadh ioncam ard. I roinnt cásanna, d'fhéadfadh sé cabhrú ráthóirí bannaí nó comh-iasachtaithe a mhealladh. Eile is ea an míbhuntáiste go bhfuil an chéad leath de a íoc leis an iasachtaí go háirithe déine. Má tá sé ar iasacht mór is féidir leis a bheith ina ualach trom ar an iasachtaí. Ach sa todhchaí, d'fhéadfaí an dul i dínit easpa. Boilsciú agus íocaíochtaí úis ag titim dhéanamh chomh dochraideach. Íocaíochtaí Blianachta Is é Nuair a bhíonn modh blianachta ar aisíoc fiacha ar an iasacht roinnte ina chodanna ionann, ní hamháin ar an méid an fhiachais, ach freisin an t-ús air ar feadh na tréimhse iasachta ar fad. Dá bhrí sin, íocann an t-iasachtaí na ranníocaíochtaí de mhéid is comhionann ar feadh ré na n-íocaíochtaí. Inniu, tá an modh íocaíochta a úsáideann bainc an chuid is mó tráchtála. An míbhuntáiste is mó na n-íocaíochtaí blianachta go mbeidh an ró-íocaíocht ar an iasacht a bheith níos airde ná an córas difreáilte. Glacann Ina theannta sin córas íocaíochta blianachta go n-íocann an chéad leath den tréimhse iasachta tú iasacht den chuid is mó spéis. Ach tá an méid is mó an fhiachais sa tréimhse seo beagnach untouched. Aschur Más gá duit a fháil ar iasacht méid mór agus nach plean a aisíoc sé ró-luath, beidh tú cur chuige an iasacht leis an gcóras íocaíochta blianachta. I gcásanna eile, go háirithe nuair a thagann sé chun iasachtaí fadtéarmacha, tá sé is fearr a roghnú banc a thairgeann iasachtaí le híocaíochtaí idirdhealaithe.