Best Deal|財經線上App不用買

This app helps you decide what is more advantageous: a down payment or installments!

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EXAMPLE 1 - Total Amount: $12000.00

Option 1: buy in cash with a discount of 10%

Amount to be Paid: $10800.00 (with discount)

Option 2: to divide the purchase in 12x of $1000.00

Total Value: $10800.00 (this is the down payment value)

Installment Value: $1000.00

Periods: 12

Result: embedded interest of 1.66% per month

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EXAMPLE 2 - Total Amount: $12000.00

Option 1: buy in cash at a discount of 5%

Amount to be Paid: $11400.00 (with discount)

Option 2: to divide the purchase in 24x of $500.00

Total Value: $11400.00 (this is the down payment value)

Installment Value: $500.00

Periods: 24

Result: embedded interest of 0.41% per month

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Decision:

If you leave the down payment value invested, will you get a higher interest rate than the installment embedded interest rate?

If the answer is "YES", then it is worth chosing installments, because you will earn more than the interest charged.

If the answer is "NO", it is better to pay cash.

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More Info:

http://www.thiagorosa.com.br/en/projects/best-deal

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