Kuɗi
Mai Sauƙin Kalkuleta Riba
Lissafi ribar da aka samu ko aka caji kawai akan babban jarin asali.
Ƙara zuwa wurin aikiƘimomin shigarwa
Ana sabunta sakamako yayin da kake rubutu. Babu maɓallin lissafi. Duk lissafin suna gudana a cikin burauzarka.
Ribar da aka samu ko aka caji
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Takaitaccen Bayani
| Adadin | |
|---|---|
| Shugaba | — |
| Jimlar riba | — |
| Ma'aunin ƙarshe | — |
Babban riba vs riba
Ana auna sanduna zuwa ma'aunin ƙarshe. Da riba mai sauƙi, ɓangaren riba yana girma a daidai matakan shekara, ba kamar riba mai haɗaka ba inda yake hanzarta.
Ma'auni ta shekara
| Shekara | Riba zuwa yanzu | Daidaito |
|---|
Kowace shekara tana ƙara adadin riba iri ɗaya, saboda riba koyaushe ana cajin ta akan babban jari na asali kawai.
Ƙa’ida
Riba = babban jari × ƙimar shekara-shekara × shekaru. Ma'aunin ƙarshe = babban jari + riba. Riba na shekara-shekara = babban jari × ƙimar shekara-shekara.
Misalin aiki
Babban jari $10,000 a 4% na shekaru 3: ribar shekara-shekara shine $10,000 × 4% = $400, jimlar riba shine $400 × 3 = $1,200, kuma ma'aunin ƙarshe shine $11,200.
Amfani da iyakoki
Asalin jarin jarin zai tsaya cak har tsawon lokacin da aka shigar, kuma ba a ƙara riba ga jarin ...
FAQ
Ta yaya ribar mai sauƙi ta bambanta da ribar mai haɗawa?
A nan riba mai sauƙi tana amfani da ainihin asali mai tsayayyen. Haɗawa yana ƙara ribar da aka samu ga ma'aunin kafin a ƙididdige ribar daga baya. Tare da ƙimar da ta dace a cikin lokutan haɗa abubuwa da yawa, wannan yana ƙara girma; kwatanta lokaci ɗaya da tushen ƙimar.
Yaushe ake amfani da ribar mai sauƙi?
Wannan dabarar da aka ƙayyade tana da amfani ga misalan riba na asali da kwangiloli ba tare da canje-canje na babban lokaci ba. Wasu lamuni da ake kira riba mai sauƙi suna lissafin riba akan ma'aunin da ba a biya ba, wanda ke canzawa tare da biyan kuɗi. Yi amfani da ainihin kwangilar da jadawalin biyan kuɗi don waɗannan lamunin.
Shin ribar tana kasancewa iri ɗaya kowace shekara?
Ee, matuƙar babban da ƙimar ba su canza ba. Wannan shine ma'anar babban riba mai sauƙi.
Yaya game da rabin shekara?
Rubuta shekaru a matsayin ƙashi (misali 2.5). Riba tana daidai gwargwado da lokaci.
Shin ma'aunin ƙarshe shine abin da nake biya akan rance?
A kan lamunin riba mai sauƙi ba tare da kuɗi ba kuma babu biyan kuɗi na wucin gadi, eh. Idan kun biya kuɗi a lokacin wa'adin, hoton yana canzawa.
Kayan aiki masu alaƙa
- Kalkuleta Mai Amfani da Haɗaɗɗen Riba — duba yadda haɗakarwa ke canza shigarwa iri ɗaya
- Kalkuleta na Bashi — biyan kuɗi na wata-wata akan lamunin haɗakarwa
- Kalkuleta na Manufar Ajiyar Kuɗi — tsara manufa tare da tanadi na wata-wata
Sakamako kimantawa ne kawai kuma ba ya nufin shawarar ƙwararru.