Loan amount, saalana interest aur muddat likho — mahine ki qist, kul payment aur kul interest ek click me. Hisab reducing-balance formula par hai.
| Loan amount | |
| Muddat | |
| Interest rate (saalana) | |
| Kul interest | |
| Interest, loan ke hisaab se | |
| Kul adaegi |
Munshi Chacha kehte hain: "Qist se pehle bank ki fees aur insurance pooch lena — asal khel wahi hai. Aur rate poochte waqt effective cost zaroor poocho, sirf headline rate nahi."