Calculator rambursarea anticipata a creditului

Balance Date: 7/15/2010

Tabel cu informatii creditori Coloana Creditor 1 Card de credit Banca1 2 Cedit Nevoi 1 3 4 5 6 7 8 9 10 Total: Sold 10,000.00 12,000.00 Dobanda 25.00% 10.00% 28.00% 18.00% Plati 500.00 900.00

Personalizar e Numai dobanda 2 1 3 5 4

208.34 100.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

22,000.00

Total:

1,400.00

Plati lunare Bulgre iniial Strategia:

Ordinea de plata a creditelor Cedit Nevoi 1 Card de credit Banca1

32,111.00 .
30,711.00 6 Sold Initial 12,000.00 10,000.00 Total dobanda platita 100.00 208.33 Luni pina Lichidare 1 1 Luna de Lichidare Aug-10 Aug-10 . . . . . . . . . .

Total dobanzi platite

308.33 (Ce-a mai mica e mai buna)

Strategii

Bulgre (cel mai mic se plateste primul) Avalasa (Dobanda ce-a mai mare prima) 35,000.00 Ordinea din tabel Fara bulgre Personalizata 30,000.00 - Cel mai mare primul Personalizata - Cel mai mic primul
25,000.00

[42] Harta de crestere a bulgarelui

"Bulgare"

"Dabanda platita"

20,000.00

15,000.00

10,000.00

5,000.00

Vertex42.com

Debt Snowball Payment Schedule

2007 Vertex42 LLC

http://www.vertex42.com/Calculators/debt-reduction-calculator.html

Strategy: Personalizata - Cel mai mic primul Monthly Payment:

Creditor: Balance: Rate: Base Payment: Months to Pay Off: Month Paid Off: Total Interest: Error Code:
Cedit Nevoi 1 Card de credit Banca1 12,000.00 10.00% 900.00 10,000.00 25.00% 500.00 -

1 Aug-10
100.00
. .

1 Aug-10
208.33
.

Total Interest:
Monthly Payments No. Luna
1 Jul-10 Aug-10 #N/A #N/A #N/A #N/A #N/A #N/A #N/A #N/A #N/A #N/A #N/A #N/A #N/A #N/A #N/A #N/A #N/A #N/A #N/A #N/A #N/A #N/A #N/A #N/A #N/A #N/A #N/A #N/A #N/A #N/A #N/A #N/A #N/A #N/A #N/A #N/A #N/A #N/A #N/A #N/A #N/A #N/A #N/A #N/A #N/A #N/A #N/A #N/A #N/A #N/A #N/A #N/A #N/A #N/A #N/A #N/A #N/A #N/A #N/A #N/A #N/A #N/A #N/A #N/A #N/A #N/A #N/A #N/A

Sold dupa plati

Cedit Nevoi 1 Card de credit Banca1 12000.00 10000.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 -

Dobanda
Cedit Nevoi 1 Card de credit Banca1 100.00 208.33 TOTAL 308.33 -

Plati dupa Bulgare

Cedit Nevoi 1 Card de credit Banca1 900.00 500.00 TOTAL 1400.00 -

Plati suplimentare
Cedit Nevoi 1 Card de credit Banca1 11200.00 9708.33 -

Bulgare
30711.00

Cedit Nevoi 1 Card de credit Banca1 12100.00 10208.33 -

Monthly Payments No. Luna

#N/A #N/A #N/A #N/A #N/A #N/A #N/A #N/A #N/A #N/A #N/A #N/A #N/A #N/A #N/A #N/A #N/A #N/A #N/A #N/A #N/A #N/A #N/A #N/A #N/A #N/A #N/A #N/A #N/A #N/A #N/A #N/A #N/A #N/A #N/A #N/A #N/A #N/A #N/A #N/A #N/A #N/A #N/A #N/A #N/A #N/A #N/A

Sold dupa plati

Cedit Nevoi 1 Card de credit Banca1 -

Dobanda
Cedit Nevoi 1 Card de credit Banca1 TOTAL -

Plati dupa Bulgare

Cedit Nevoi 1 Card de credit Banca1 TOTAL -

Plati suplimentare
Cedit Nevoi 1 Card de credit Banca1 -

Bulgare

Cedit Nevoi 1 Card de credit Banca1 -

Lowest Balance First : Get the benefit of the snowball effect, but you may pay more interest in the end than Highest Interest First . The main benefit of this approach is the psychological effect of seeing the number of debts disappear more quickly. Highest Interest First : This strategy results in the lowest total interest, but depending on the balance of your higher interest loans, it may take you longer to see your first loan/debt completely paid off. If the difference in the total interest is not significant, than you may get more satisfaction from the Lowest Balance First method. Order Entered in the Table : You can use the sort feature (Data>Sort) to choose how you want the snowball effect to work. For example, if you want to use a combination of Lowest Balance First AND Highest Interest First , then first select the creditor information table (B7:F17), then go to Data>Sort, and sort by Balance:Ascending and Rate:Descending (or vice versa). Warning : If you are careful, you can rearrange the order of the entries in the
creditor table by copying or cutting and pasting, but if you insert a row above row 1 or after row 10, the formulas will be messed up. You can cut row 1 (B8:E8) and paste it above row 3, or cut row 10 (B17:E17) and paste it above row 9. The calculator can handle up to 10 creditors.

No Snowball : Select this option if you want to see how long it will take to pay off the debts without maintaining a constant monthly payment. In some cases, you may find it will take more than 30 years (resulting in errors in the spreadsheet). Custom-Highest or Custom-Lowest : You can manually control the order the debts are paid by entering numbers or formulas in the Custom column. For example, if you enter the values 1,2,3,5,4 then rows 4 and 5 will be swapped. You can enter your own formulas as well, whatever they might be. Minimum Payments : This calculator does not provide the option of making only
the minimum monthly payments on credit cards or lines of credit. You can find an online calculator with this feature at PowerPay.org. Also see Tip #3. Tip 1: If you want to use the Lowest Balance First method and you have two debts that are close to the same balance but have very different interest rates, you may see a substantial reduction in the total interest paid if you change the order of the two entries so that you pay the higher rate first. In that case, try using the Order Entered in the Table strategy. Tip 2: Like Tip 1, if you want to use the Highest Interest Rate method, and you have two debts with similar rates but very different balances, you may want to change the order so that you pay off the lower balance first. This may make very little difference in the total interest, but it can make you feel better faster. Tip 3: Update the Creditor Information Table every few months. Your minimum payments may change over time as the balance in your accounts change, or if your interest rate changes. You may be able to further reduce your overall interest and reduce the time to pay off your debts, by re-adjusting your minimum payments every few months. This would mean starting over with a fresh template, entering the new Balance Date, and updating the Creditor Information Table.