リボ払い-01
・リボ払いとは
リボ払い,クレジットでの支払いで結構知名度が高く,さらにクレジット会社ではおすすめしている商品です.
クレジット協会によると,
あらかじめ設定した金額を月々支払っていくものです
月々の支払いを一定にできるので,家計の管理などにも役立ちます
とうたっています.たしかに一定額だと計画も立てやすいですし,住宅ローンも同様の方式が多いようです..
しかし,手数料,がいくらぐらいになるかはキチンを把握していく必要があります.
クレジット会社でもいろいろとシミュレーションなどを提示してくれているみたいですし,最近いろいろな記事が目を引きます.
重要な点は,
毎月の返済額が一定=借入金の返済額+金利
という計算になることです(いろいろな手法がありそうですが,基本はこれだと思います.
実際に計算してみると,
借入金:10万円
月々の支払い:5千円
金利(年):15%
というよくあるパターンで月々の残高を計算してみると,(年15%は結構普通みたい)
支払いの残り | 金利手数料 | 金利を差し引いた支払額 | 残高 | |||
1 | ヶ月 | ¥100,000 | ¥1,250 | ¥1,250 | ¥3,750 | ¥96,250 |
2 | ヶ月 | ¥96,250 | ¥1,203 | ¥1,203 | ¥3,797 | ¥92,453 |
3 | ヶ月 | ¥92,453 | ¥1,156 | ¥1,156 | ¥3,844 | ¥88,609 |
4 | ヶ月 | ¥88,609 | ¥1,108 | ¥1,108 | ¥3,892 | ¥84,716 |
5 | ヶ月 | ¥84,716 | ¥1,059 | ¥1,059 | ¥3,941 | ¥80,775 |
6 | ヶ月 | ¥80,775 | ¥1,010 | ¥1,010 | ¥3,990 | ¥76,785 |
7 | ヶ月 | ¥76,785 | ¥960 | ¥960 | ¥4,040 | ¥72,745 |
8 | ヶ月 | ¥72,745 | ¥909 | ¥909 | ¥4,091 | ¥68,654 |
9 | ヶ月 | ¥68,654 | ¥858 | ¥858 | ¥4,142 | ¥64,512 |
10 | ヶ月 | ¥64,512 | ¥806 | ¥806 | ¥4,194 | ¥60,319 |
11 | ヶ月 | ¥60,319 | ¥754 | ¥754 | ¥4,246 | ¥56,073 |
12 | ヶ月 | ¥56,073 | ¥701 | ¥701 | ¥4,299 | ¥51,774 |
13 | ヶ月 | ¥51,774 | ¥647 | ¥647 | ¥4,353 | ¥47,421 |
14 | ヶ月 | ¥47,421 | ¥593 | ¥593 | ¥4,407 | ¥43,014 |
15 | ヶ月 | ¥43,014 | ¥538 | ¥538 | ¥4,462 | ¥38,551 |
16 | ヶ月 | ¥38,551 | ¥482 | ¥482 | ¥4,518 | ¥34,033 |
17 | ヶ月 | ¥34,033 | ¥425 | ¥425 | ¥4,575 | ¥29,459 |
18 | ヶ月 | ¥29,459 | ¥368 | ¥368 | ¥4,632 | ¥24,827 |
19 | ヶ月 | ¥24,827 | ¥310 | ¥310 | ¥4,690 | ¥20,137 |
20 | ヶ月 | ¥20,137 | ¥252 | ¥252 | ¥4,748 | ¥15,389 |
21 | ヶ月 | ¥15,389 | ¥192 | ¥192 | ¥4,808 | ¥10,581 |
22 | ヶ月 | ¥10,581 | ¥132 | ¥132 | ¥4,868 | ¥5,713 |
23 | ヶ月 | ¥5,713 | ¥71 | ¥71 | ¥4,929 | ¥785 |
24 | ヶ月 | ¥785 | ¥10 | ¥10 | ¥4,990 |
と24ヶ月で返済が完了し,手数料の総額は,15,795円,となかなかのものです.
金利なしなら,20ヶ月で返済できるものでした.
さらに,
借入金:32万円
月々の支払い:5千円
金利(年):15%
で計算してみると(マウンテンバイク,高いバッグなど?)
支払いの残り | 金利手数料 | 金利を差し引いた支払額 | 残高 | |||
1 | ヶ月 | ¥320,000 | ¥4,000 | ¥4,000 | ¥1,000 | ¥319,000 |
2 | ヶ月 | ¥319,000 | ¥3,988 | ¥3,988 | ¥1,013 | ¥317,988 |
3 | ヶ月 | ¥317,988 | ¥3,975 | ¥3,975 | ¥1,025 | ¥316,962 |
4 | ヶ月 | ¥316,962 | ¥3,962 | ¥3,962 | ¥1,038 | ¥315,924 |
5 | ヶ月 | ¥315,924 | ¥3,949 | ¥3,949 | ¥1,051 | ¥314,873 |
6 | ヶ月 | ¥314,873 | ¥3,936 | ¥3,936 | ¥1,064 | ¥313,809 |
7 | ヶ月 | ¥313,809 | ¥3,923 | ¥3,923 | ¥1,077 | ¥312,732 |
8 | ヶ月 | ¥312,732 | ¥3,909 | ¥3,909 | ¥1,091 | ¥311,641 |
9 | ヶ月 | ¥311,641 | ¥3,896 | ¥3,896 | ¥1,104 | ¥310,537 |
10 | ヶ月 | ¥310,537 | ¥3,882 | ¥3,882 | ¥1,118 | ¥309,418 |
11 | ヶ月 | ¥309,418 | ¥3,868 | ¥3,868 | ¥1,132 | ¥308,286 |
12 | ヶ月 | ¥308,286 | ¥3,854 | ¥3,854 | ¥1,146 | ¥307,140 |
13 | ヶ月 | ¥307,140 | ¥3,839 | ¥3,839 | ¥1,161 | ¥305,979 |
14 | ヶ月 | ¥305,979 | ¥3,825 | ¥3,825 | ¥1,175 | ¥304,804 |
15 | ヶ月 | ¥304,804 | ¥3,810 | ¥3,810 | ¥1,190 | ¥303,614 |
16 | ヶ月 | ¥303,614 | ¥3,795 | ¥3,795 | ¥1,205 | ¥302,409 |
17 | ヶ月 | ¥302,409 | ¥3,780 | ¥3,780 | ¥1,220 | ¥301,189 |
18 | ヶ月 | ¥301,189 | ¥3,765 | ¥3,765 | ¥1,235 | ¥299,954 |
19 | ヶ月 | ¥299,954 | ¥3,749 | ¥3,749 | ¥1,251 | ¥298,703 |
20 | ヶ月 | ¥298,703 | ¥3,734 | ¥3,734 | ¥1,266 | ¥297,437 |
21 | ヶ月 | ¥297,437 | ¥3,718 | ¥3,718 | ¥1,282 | ¥296,155 |
22 | ヶ月 | ¥296,155 | ¥3,702 | ¥3,702 | ¥1,298 | ¥294,857 |
23 | ヶ月 | ¥294,857 | ¥3,686 | ¥3,686 | ¥1,314 | ¥293,543 |
24 | ヶ月 | ¥293,543 | ¥3,669 | ¥3,669 | ¥1,331 | ¥292,212 |
25 | ヶ月 | ¥292,212 | ¥3,653 | ¥3,653 | ¥1,347 | ¥290,865 |
26 | ヶ月 | ¥290,865 | ¥3,636 | ¥3,636 | ¥1,364 | ¥289,500 |
27 | ヶ月 | ¥289,500 | ¥3,619 | ¥3,619 | ¥1,381 | ¥288,119 |
28 | ヶ月 | ¥288,119 | ¥3,601 | ¥3,601 | ¥1,399 | ¥286,721 |
29 | ヶ月 | ¥286,721 | ¥3,584 | ¥3,584 | ¥1,416 | ¥285,305 |
30 | ヶ月 | ¥285,305 | ¥3,566 | ¥3,566 | ¥1,434 | ¥283,871 |
31 | ヶ月 | ¥283,871 | ¥3,548 | ¥3,548 | ¥1,452 | ¥282,419 |
32 | ヶ月 | ¥282,419 | ¥3,530 | ¥3,530 | ¥1,470 | ¥280,950 |
33 | ヶ月 | ¥280,950 | ¥3,512 | ¥3,512 | ¥1,488 | ¥279,461 |
34 | ヶ月 | ¥279,461 | ¥3,493 | ¥3,493 | ¥1,507 | ¥277,955 |
35 | ヶ月 | ¥277,955 | ¥3,474 | ¥3,474 | ¥1,526 | ¥276,429 |
36 | ヶ月 | ¥276,429 | ¥3,455 | ¥3,455 | ¥1,545 | ¥274,884 |
37 | ヶ月 | ¥274,884 | ¥3,436 | ¥3,436 | ¥1,564 | ¥273,321 |
38 | ヶ月 | ¥273,321 | ¥3,417 | ¥3,417 | ¥1,583 | ¥271,737 |
39 | ヶ月 | ¥271,737 | ¥3,397 | ¥3,397 | ¥1,603 | ¥270,134 |
40 | ヶ月 | ¥270,134 | ¥3,377 | ¥3,377 | ¥1,623 | ¥268,510 |
41 | ヶ月 | ¥268,510 | ¥3,356 | ¥3,356 | ¥1,644 | ¥266,867 |
42 | ヶ月 | ¥266,867 | ¥3,336 | ¥3,336 | ¥1,664 | ¥265,203 |
43 | ヶ月 | ¥265,203 | ¥3,315 | ¥3,315 | ¥1,685 | ¥263,518 |
44 | ヶ月 | ¥263,518 | ¥3,294 | ¥3,294 | ¥1,706 | ¥261,812 |
45 | ヶ月 | ¥261,812 | ¥3,273 | ¥3,273 | ¥1,727 | ¥260,084 |
46 | ヶ月 | ¥260,084 | ¥3,251 | ¥3,251 | ¥1,749 | ¥258,335 |
47 | ヶ月 | ¥258,335 | ¥3,229 | ¥3,229 | ¥1,771 | ¥256,565 |
48 | ヶ月 | ¥256,565 | ¥3,207 | ¥3,207 | ¥1,793 | ¥254,772 |
49 | ヶ月 | ¥254,772 | ¥3,185 | ¥3,185 | ¥1,815 | ¥252,956 |
50 | ヶ月 | ¥252,956 | ¥3,162 | ¥3,162 | ¥1,838 | ¥251,118 |
51 | ヶ月 | ¥251,118 | ¥3,139 | ¥3,139 | ¥1,861 | ¥249,257 |
52 | ヶ月 | ¥249,257 | ¥3,116 | ¥3,116 | ¥1,884 | ¥247,373 |
53 | ヶ月 | ¥247,373 | ¥3,092 | ¥3,092 | ¥1,908 | ¥245,465 |
54 | ヶ月 | ¥245,465 | ¥3,068 | ¥3,068 | ¥1,932 | ¥243,533 |
55 | ヶ月 | ¥243,533 | ¥3,044 | ¥3,044 | ¥1,956 | ¥241,578 |
56 | ヶ月 | ¥241,578 | ¥3,020 | ¥3,020 | ¥1,980 | ¥239,597 |
57 | ヶ月 | ¥239,597 | ¥2,995 | ¥2,995 | ¥2,005 | ¥237,592 |
58 | ヶ月 | ¥237,592 | ¥2,970 | ¥2,970 | ¥2,030 | ¥235,562 |
59 | ヶ月 | ¥235,562 | ¥2,945 | ¥2,945 | ¥2,055 | ¥233,507 |
60 | ヶ月 | ¥233,507 | ¥2,919 | ¥2,919 | ¥2,081 | ¥231,425 |
61 | ヶ月 | ¥231,425 | ¥2,893 | ¥2,893 | ¥2,107 | ¥229,318 |
62 | ヶ月 | ¥229,318 | ¥2,866 | ¥2,866 | ¥2,134 | ¥227,185 |
63 | ヶ月 | ¥227,185 | ¥2,840 | ¥2,840 | ¥2,160 | ¥225,025 |
64 | ヶ月 | ¥225,025 | ¥2,813 | ¥2,813 | ¥2,187 | ¥222,837 |
65 | ヶ月 | ¥222,837 | ¥2,785 | ¥2,785 | ¥2,215 | ¥220,623 |
66 | ヶ月 | ¥220,623 | ¥2,758 | ¥2,758 | ¥2,242 | ¥218,381 |
67 | ヶ月 | ¥218,381 | ¥2,730 | ¥2,730 | ¥2,270 | ¥216,110 |
68 | ヶ月 | ¥216,110 | ¥2,701 | ¥2,701 | ¥2,299 | ¥213,812 |
69 | ヶ月 | ¥213,812 | ¥2,673 | ¥2,673 | ¥2,327 | ¥211,484 |
70 | ヶ月 | ¥211,484 | ¥2,644 | ¥2,644 | ¥2,356 | ¥209,128 |
71 | ヶ月 | ¥209,128 | ¥2,614 | ¥2,614 | ¥2,386 | ¥206,742 |
72 | ヶ月 | ¥206,742 | ¥2,584 | ¥2,584 | ¥2,416 | ¥204,326 |
73 | ヶ月 | ¥204,326 | ¥2,554 | ¥2,554 | ¥2,446 | ¥201,880 |
74 | ヶ月 | ¥201,880 | ¥2,524 | ¥2,524 | ¥2,476 | ¥199,404 |
75 | ヶ月 | ¥199,404 | ¥2,493 | ¥2,493 | ¥2,507 | ¥196,897 |
76 | ヶ月 | ¥196,897 | ¥2,461 | ¥2,461 | ¥2,539 | ¥194,358 |
77 | ヶ月 | ¥194,358 | ¥2,429 | ¥2,429 | ¥2,571 | ¥191,787 |
78 | ヶ月 | ¥191,787 | ¥2,397 | ¥2,397 | ¥2,603 | ¥189,185 |
79 | ヶ月 | ¥189,185 | ¥2,365 | ¥2,365 | ¥2,635 | ¥186,549 |
80 | ヶ月 | ¥186,549 | ¥2,332 | ¥2,332 | ¥2,668 | ¥183,881 |
81 | ヶ月 | ¥183,881 | ¥2,299 | ¥2,299 | ¥2,701 | ¥181,180 |
82 | ヶ月 | ¥181,180 | ¥2,265 | ¥2,265 | ¥2,735 | ¥178,444 |
83 | ヶ月 | ¥178,444 | ¥2,231 | ¥2,231 | ¥2,769 | ¥175,675 |
84 | ヶ月 | ¥175,675 | ¥2,196 | ¥2,196 | ¥2,804 | ¥172,871 |
85 | ヶ月 | ¥172,871 | ¥2,161 | ¥2,161 | ¥2,839 | ¥170,032 |
86 | ヶ月 | ¥170,032 | ¥2,125 | ¥2,125 | ¥2,875 | ¥167,157 |
87 | ヶ月 | ¥167,157 | ¥2,089 | ¥2,089 | ¥2,911 | ¥164,247 |
88 | ヶ月 | ¥164,247 | ¥2,053 | ¥2,053 | ¥2,947 | ¥161,300 |
89 | ヶ月 | ¥161,300 | ¥2,016 | ¥2,016 | ¥2,984 | ¥158,316 |
90 | ヶ月 | ¥158,316 | ¥1,979 | ¥1,979 | ¥3,021 | ¥155,295 |
91 | ヶ月 | ¥155,295 | ¥1,941 | ¥1,941 | ¥3,059 | ¥152,236 |
92 | ヶ月 | ¥152,236 | ¥1,903 | ¥1,903 | ¥3,097 | ¥149,139 |
93 | ヶ月 | ¥149,139 | ¥1,864 | ¥1,864 | ¥3,136 | ¥146,003 |
94 | ヶ月 | ¥146,003 | ¥1,825 | ¥1,825 | ¥3,175 | ¥142,828 |
95 | ヶ月 | ¥142,828 | ¥1,785 | ¥1,785 | ¥3,215 | ¥139,614 |
96 | ヶ月 | ¥139,614 | ¥1,745 | ¥1,745 | ¥3,255 | ¥136,359 |
97 | ヶ月 | ¥136,359 | ¥1,704 | ¥1,704 | ¥3,296 | ¥133,063 |
98 | ヶ月 | ¥133,063 | ¥1,663 | ¥1,663 | ¥3,337 | ¥129,727 |
99 | ヶ月 | ¥129,727 | ¥1,622 | ¥1,622 | ¥3,378 | ¥126,348 |
100 | ヶ月 | ¥126,348 | ¥1,579 | ¥1,579 | ¥3,421 | ¥122,928 |
101 | ヶ月 | ¥122,928 | ¥1,537 | ¥1,537 | ¥3,463 | ¥119,464 |
102 | ヶ月 | ¥119,464 | ¥1,493 | ¥1,493 | ¥3,507 | ¥115,958 |
103 | ヶ月 | ¥115,958 | ¥1,449 | ¥1,449 | ¥3,551 | ¥112,407 |
104 | ヶ月 | ¥112,407 | ¥1,405 | ¥1,405 | ¥3,595 | ¥108,812 |
105 | ヶ月 | ¥108,812 | ¥1,360 | ¥1,360 | ¥3,640 | ¥105,172 |
106 | ヶ月 | ¥105,172 | ¥1,315 | ¥1,315 | ¥3,685 | ¥101,487 |
107 | ヶ月 | ¥101,487 | ¥1,269 | ¥1,269 | ¥3,731 | ¥97,756 |
108 | ヶ月 | ¥97,756 | ¥1,222 | ¥1,222 | ¥3,778 | ¥93,977 |
109 | ヶ月 | ¥93,977 | ¥1,175 | ¥1,175 | ¥3,825 | ¥90,152 |
110 | ヶ月 | ¥90,152 | ¥1,127 | ¥1,127 | ¥3,873 | ¥86,279 |
111 | ヶ月 | ¥86,279 | ¥1,078 | ¥1,078 | ¥3,922 | ¥82,358 |
112 | ヶ月 | ¥82,358 | ¥1,029 | ¥1,029 | ¥3,971 | ¥78,387 |
113 | ヶ月 | ¥78,387 | ¥980 | ¥980 | ¥4,020 | ¥74,367 |
114 | ヶ月 | ¥74,367 | ¥930 | ¥930 | ¥4,070 | ¥70,296 |
115 | ヶ月 | ¥70,296 | ¥879 | ¥879 | ¥4,121 | ¥66,175 |
116 | ヶ月 | ¥66,175 | ¥827 | ¥827 | ¥4,173 | ¥62,002 |
117 | ヶ月 | ¥62,002 | ¥775 | ¥775 | ¥4,225 | ¥57,777 |
118 | ヶ月 | ¥57,777 | ¥722 | ¥722 | ¥4,278 | ¥53,500 |
119 | ヶ月 | ¥53,500 | ¥669 | ¥669 | ¥4,331 | ¥49,168 |
120 | ヶ月 | ¥49,168 | ¥615 | ¥615 | ¥4,385 | ¥44,783 |
121 | ヶ月 | ¥44,783 | ¥560 | ¥560 | ¥4,440 | ¥40,343 |
122 | ヶ月 | ¥40,343 | ¥504 | ¥504 | ¥4,496 | ¥35,847 |
123 | ヶ月 | ¥35,847 | ¥448 | ¥448 | ¥4,552 | ¥31,295 |
124 | ヶ月 | ¥31,295 | ¥391 | ¥391 | ¥4,609 | ¥26,686 |
125 | ヶ月 | ¥26,686 | ¥334 | ¥334 | ¥4,666 | ¥22,020 |
126 | ヶ月 | ¥22,020 | ¥275 | ¥275 | ¥4,725 | ¥17,295 |
127 | ヶ月 | ¥17,295 | ¥216 | ¥216 | ¥4,784 | ¥12,511 |
128 | ヶ月 | ¥12,511 | ¥156 | ¥156 | ¥4,844 | ¥7,668 |
129 | ヶ月 | ¥7,668 | ¥96 | ¥96 | ¥4,904 | ¥2,764 |
130 | ヶ月 | ¥2,764 | ¥35 | ¥35 | ¥4,965 |
と130ヶ月で返済が完了し,手数料の総額は,327,798円,と手数料の総額が,本体の値段を上回ります!
金利なしなら,64ヶ月で返済できるものでした.
では,実際の返済期間,金利の総額を計算してみましょう