Finance Case එකක්

[The Jilmart]

Installment ekai interest rate ekai dapan balanna monahari ganan saththarayak danna puluwanda balanna.

Ko tho ithin kiwata wisthara dennene.Assume fiigures dala heduwa mama.

Total Capital Leased - 2000,000
Interest Rate - 12%(Avg leasing rate)
Installment - 44,489 /- (Using present value of Annuity - 60 Months)
Total Lease Value - 2,669,340
Total interest Payable - 669,340

Dan umba gewala thiyenne warika 2kai kiwane.oya warika deke capital eka thiyenne 49,222. Ethakota thawa capital eka gewanna thiyanawa (2000,000-49,222 = 1,950,777. Dan oya mulu ganama gewanna thiyanawa. Ita amatharawa total interest eken danata 39,756 gewala iwarai .thawa oken (669,340- 39,756 = 629,584) gewanna thiyanawa.

Normalli finace company 40% rebate ekak denawa.ithin ubagen 60% gannawa. Ekiyanne 629,584*60% = 377,750 gannawa penalty widiyata. Oka thama umbata wena paduwa. Hebei umba oya gana gewannethuwa oka FD ekaka dammoth 10% intert rate ekakata umbata 5 years iwara wenakota 1,190,968 /- Poliyak hambenawa. Ithin umba oka erly settle karannethuwa installment geuwoth umbata wena paduwa (629,584*2 -377,750 = 881,418)

Final Decesion

Dan umba oka erly settle karannethuwa Oka FD ekaka dammoth thota 309,550/-k Labai. (1,1190,968- 881,418)

 

[nimeshkd]

komath ubata interest eken portion ekk gewnna wenawa habi eka installment widiyata gewanawata aduii, mokada opportunity cost ekk tiyena nisa,

 

[witaramage]

lease company denava flex loan ekak. vahane lease ekak vagema apa thiyala denne....od ekak vage.adala maseta interest vitarae gevanna venne.

ona velavaka settle karanna puluvan.adala kaala seemavata vitare poliya

 

[tharindu455]

BUMP