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Loss of, or profit, and so naturally it is a total of more installments to pay the money and the money to buy a one-time money comparison:

Hire purchase notebooks, we have to pay a total of the money, that is, credit, and dealers out of the price, this price are basically higher than the market price. Figuratively speaking, the East universal hire purchase Sony notebooks, are in accordance with the public offer, such as the Sony S46C public offer 14,888 yuan, which is all the installments have to pay the money; and general usually buy, generally 14.5 thousand yuan or so can handle that. In other words, installments PB991A laptop battery will be losses.

Concrete will be much loss?

This would be related to the specific algorithm, we first calculated in accordance with generally credit to buy a laptop and battery to be for all costs incurred:

First, the installment period can be divided into six months, one year, two-three kinds of payment. The first we can choose according to their actual situation lump-sum payment products 20%, 10% or 5% of three kinds. This mix is very flexible, we can according to their actual situation, in these nine combinations were chosen at random.

The repayment method is through equal monthly PCGA-BP1N laptop battery principal and interest repayment. For example, consumer choice of a down payment of one year 20% of the purchase method. The provision of goods as long as the total of 20% down payment, and the remaining 80% of the funds were an average of 12 months repayment.

As for interest rates, it is in accordance with a comprehensive fee rate (including: bank loan interest over the same period, the contract nominal fee, contract notarization fee, insurance contracts, contract stamp duty, bank account opening fee, the company services). Half of them paid to 8.52% calculated in accordance with 8.88 percent a year, while two years were calculated in accordance with 14.82 percent.

The formula: First Payment = Amount × the down payment ratio of goods
Monthly payments = (amount of goods - first paragraph) × (1 + Composite fee rate) ÷ number of months

The specific algorithm:
Guangzhou is now on the market price of IBM ThinkPad R52 1858AC2 at 11.85 thousand yuan or so, we follow the price of 11.85 thousand PCGA-BP2NX laptop battery yuan to balance installments.

Down payment of 5%, 6 months to pay off: The first 593 yuan, while the monthly mortgage will need to 2027 yuan.
Total price is: 593 yuan +2027 yuan × 6 = 12755 Yuan
Overpayment number: 12,755 yuan -11850 yuan = 905 yuan

5% down payment, 12 months to pay off: The first 593 yuan, while the monthly mortgage will need to 1016 yuan.
Total price is: 593 yuan +1016 yuan × 12 = 12785 Yuan
Overpayment number: 12,785 yuan -11850 yuan = 935 yuan

5% down payment, 24 months to pay off: The first 593 yuan, while the need for 544 per month.
Total price is: 593 yuan +544 yuan × 24 = 13649 Yuan
Multi-Payment Number: RMB 13,649 yuan -11850 = 1799 yuan

Now many banks can also make credit card PCGA-BP2NY laptop battery installments, and is interest-free, but the price we must follow the open price啦.

Here is a general formula for the general public installment price ÷ number of months, hence the extra price is open price - the market purchase price, the current PCGA-BP2R laptop battery IBM ThinkPad R52 1858AC2 the open price of 12,888 yuan, so a difference of about 800 yuan.