How Hire Purchase Agreements can affect your financing decisions question explained

00:11:27
https://www.youtube.com/watch?v=587DHSHU2TI

概要

TLDRDans cette vidéo, il est question de l'achat et de la vente d'une voiture par Jones et Ruby, sous un contrat d'achat à crédit. Jones achète une voiture pour un prix initial de 6 800 $ et la revend à Ruby pour 8 800 $. Ruby paie 20 % comme avance, soit 1 760 $, puis le reste sur 12 mois avec un taux d'intérêt simple annuel de 15 %. Le solde restant s'élève à 7 040 $, et les mensualités s'élèvent à environ 674,67 $. Au total, Ruby paiera 9 856 $, permettant à Jones de réaliser un bénéfice de 44,94 % sur le prix d'achat initial.

収穫

  • 🚗 Jones achète une voiture pour 6 800 $.
  • 💰 Il met la voiture en vente pour 8 800 $.
  • 🔢 Ruby paie une avance de 20 %.
  • 📉 Solde restant : 7 040 $.
  • 🗓 Plan de paiement : 12 mois à 15 % d'intérêt.
  • 📅 Mensualité : 674,67 $.
  • 💵 Total payé par Ruby : 9 856 $.
  • 📈 Profit de Jones : 44,94 %.

タイムライン

  • 00:00:00 - 00:05:00

    Jones a acheté une voiture pour 6,800 et envisage de la vendre à 8,800, ce qui établit le prix d'achat (CP) et le prix de vente (SP). Ruby accepte d'acheter la voiture via un contrat de location avec option d'achat, nécessitant un paiement initial de 20% du prix de vente soit 1,760. Le solde de 7,040 sera sujet à un intérêt simple de 15% sur 12 mois. Après calcul, l'intérêt simple est de 1,056, portant le montant total dû par Ruby à 8,096, à payer en 12 mensualités égales.

  • 00:05:00 - 00:11:27

    Il est déterminé que le paiement mensuel de Ruby sera de 674.67 lorsqu'on divise le montant total de 8,096 par 12 mois. Ruby devra payer au total 9,856 pour la voiture, incluant le paiement initial. Concernant le profit, John réalise un bénéfice basé sur le prix d'achat initial de 6,800, amenant son bénéfice à 44,94%. Cette vidéo illustre comment calculer l'achat avec option de location et le pourcentage de bénéfice commercial réalisé.

マインドマップ

ビデオQ&A

  • Quel est le prix d'achat initial de la voiture ?

    Le prix d'achat initial est de 6 800 $.

  • À quel prix Jones souhaite-t-il vendre la voiture ?

    Jones souhaite vendre la voiture pour 8 800 $.

  • Quelle est la méthode de paiement de Ruby ?

    Ruby utilise un plan d'achat à crédit avec un paiement initial de 20 % et le solde sur 12 mois avec un intérêt simple de 15 %.

  • Quel est le montant du paiement initial de Ruby ?

    Le paiement initial est de 1 760 $.

  • Quel est le solde restant à payer après le paiement initial ?

    Le solde restant est de 7 040 $.

  • Quel montant Ruby doit-elle payer chaque mois ?

    Ruby doit payer 674,67 $ chaque mois.

  • Quel est le montant total que Ruby paiera pour la voiture ?

    Ruby paiera un montant total de 9 856 $ pour la voiture.

  • Quel est le profit en pourcentage que John réalise sur la voiture ?

    Le profit en pourcentage est de 44,94 %.

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オートスクロール:
  • 00:00:05
    hi there welcome so now screen today we
  • 00:00:09
    have Jones bought a car for
  • 00:00:13
    6,800 so we have the first information
  • 00:00:16
    coming up here so that means the cost
  • 00:00:19
    price of the car so you will have the
  • 00:00:21
    cost price CP to be C to so you have it
  • 00:00:27
    as what 6,800
  • 00:00:32
    let's continue with our
  • 00:00:34
    reading he said he later put it for sale
  • 00:00:37
    at
  • 00:00:39
    8,800 so that means you want to sell it
  • 00:00:42
    so that becomes a selling price so
  • 00:00:44
    you'll have the selling
  • 00:00:47
    price to be record
  • 00:00:52
    to
  • 00:00:55
    8,800 let's continue with our reading he
  • 00:00:58
    agreed to sell it to Ruby under the
  • 00:01:00
    following High purchase terms so high
  • 00:01:04
    purchase
  • 00:01:07
    terms so let's read an initial payment
  • 00:01:11
    of 20% of the price so you have an
  • 00:01:15
    initial payment of
  • 00:01:16
    20% of the price meaning the selling
  • 00:01:20
    price that you want to sell the car so
  • 00:01:22
    let's have that so we have what we call
  • 00:01:24
    initial payment by Ruby
  • 00:01:30
    so we'll have our initial
  • 00:01:32
    payment
  • 00:01:34
    IP by Ruby supposed to be equal to
  • 00:01:38
    20% multiplying what the selling price
  • 00:01:42
    of the car so we will have
  • 00:01:49
    20% multiplying what
  • 00:01:54
    8,800 and supposed to get a value of
  • 00:01:58
    1,000
  • 00:02:01
    760 as the initial payment by Ruby so
  • 00:02:05
    that's the initial payment let's Contin
  • 00:02:08
    to read
  • 00:02:10
    and the
  • 00:02:12
    balance at 15% simple interest perum in
  • 00:02:17
    12 month equal installment so that means
  • 00:02:21
    that after he has paid an initial
  • 00:02:23
    payment of 20% the remainder or the
  • 00:02:25
    balance supposed to be paid at the rate
  • 00:02:28
    of 15% simple interest
  • 00:02:30
    on an installment basis for one year so
  • 00:02:33
    that means that we also need to have the
  • 00:02:35
    remaining balance after the initial
  • 00:02:37
    payment so have
  • 00:02:40
    for
  • 00:02:42
    balance
  • 00:02:44
    after IP that initial payment to be C to
  • 00:02:49
    so we will have what the selling price
  • 00:02:52
    minus what the initial
  • 00:02:55
    payment so selling price here was 8,800
  • 00:02:59
    100 then the initial payment was what
  • 00:03:04
    1,760 so the difference supposed to give
  • 00:03:07
    us a value
  • 00:03:09
    of
  • 00:03:11
    7,040 can cross
  • 00:03:14
    check 7, and 40 so that becomes the
  • 00:03:17
    balance in here and out of this that we
  • 00:03:19
    asked you paid an installment basis 15%
  • 00:03:25
    simple interest on this balance so
  • 00:03:27
    literally it means 7,000 and 40 is the
  • 00:03:31
    principal it's more like a loan right so
  • 00:03:35
    we'll have in that coming up here as P
  • 00:03:39
    being the principal to be equal to
  • 00:03:44
    7, 40 then we have been told the rate of
  • 00:03:48
    the interest supposed to be what
  • 00:03:52
    15% okay and the time t alloted for this
  • 00:03:59
    arrangement
  • 00:04:00
    supposed to be 12
  • 00:04:03
    months so then how do you go with a
  • 00:04:05
    simple interest so we say x i being a
  • 00:04:08
    simple interest formula wise supposed to
  • 00:04:10
    have principal multiplying rates in
  • 00:04:14
    percentage multiplying time all right so
  • 00:04:19
    we can say
  • 00:04:20
    that we'll
  • 00:04:23
    have that coming up as principal which
  • 00:04:25
    is the remaining balance
  • 00:04:28
    7,40 multiplying the rate of what
  • 00:04:32
    15% and then multiplying time which is
  • 00:04:35
    12 months so in this case become 12 over
  • 00:04:38
    12 or just write one year so in summary
  • 00:04:42
    supposed to get a simple interest value
  • 00:04:46
    of 1, and 56
  • 00:04:54
    1,56 so once we have that then let's
  • 00:04:56
    determine the total amount Ruby supposed
  • 00:04:58
    to pay in 12 month equal installment
  • 00:05:01
    after you have completed the interest so
  • 00:05:03
    that means I going to have total
  • 00:05:10
    amount to be
  • 00:05:15
    paid in 12
  • 00:05:19
    month
  • 00:05:23
    installment in 12 month installment so
  • 00:05:27
    how do we go with that you will have it
  • 00:05:29
    here
  • 00:05:30
    as what remaining balance that we have
  • 00:05:33
    computed after the initial payment okay
  • 00:05:36
    plus the interest that we have competed
  • 00:05:39
    and we added two we'll get the amount to
  • 00:05:41
    be paid in an installment within one
  • 00:05:43
    year or 12 month so you'll have in here
  • 00:05:46
    7
  • 00:05:48
    7,040
  • 00:05:50
    plus
  • 00:05:54
    1,56 so what do we get in summary
  • 00:05:56
    supposed to have 8,000
  • 00:06:03
    and
  • 00:06:04
    96 supposed to have
  • 00:06:08
    8, 96 so that becom the total
  • 00:06:10
    installment figure in there all right
  • 00:06:13
    and then we are good to go so let's go
  • 00:06:16
    back to the requirement as you can see
  • 00:06:19
    here calculate a the amount to be paid
  • 00:06:24
    by Ruby at the end of every month so at
  • 00:06:28
    the end of every month let C so that's
  • 00:06:30
    going to be a so we say monthly
  • 00:06:35
    installment
  • 00:06:37
    monthly
  • 00:06:41
    installment supposed to be equal to the
  • 00:06:44
    total amount all right divided by 12
  • 00:06:49
    month 12
  • 00:06:52
    month okay so total amount here was
  • 00:06:55
    given us what per calculation we had
  • 00:06:58
    8,000
  • 00:07:00
    and
  • 00:07:01
    96 divide this by 12 month supposed to
  • 00:07:06
    get a value
  • 00:07:10
    of
  • 00:07:14
    67467 currency in two deal places and
  • 00:07:17
    you are good to go so that is going to
  • 00:07:19
    be the monthly installment for this
  • 00:07:22
    Arrangement then
  • 00:07:24
    B let's see the requirement for
  • 00:07:27
    b b
  • 00:07:31
    the total amount will be paid for the
  • 00:07:34
    car the total amount will be PID for the
  • 00:07:38
    car so what will be the total amount be
  • 00:07:40
    paid for the car so we say total
  • 00:07:43
    amount so total
  • 00:07:46
    amount
  • 00:07:50
    paid by
  • 00:07:54
    Ruby that's going to give us what the
  • 00:07:57
    initial payment that we paid at the
  • 00:08:00
    beginning plus the total amount in which
  • 00:08:04
    she'll be paying on monthly basis for 12
  • 00:08:07
    months okay so we're going to add the
  • 00:08:10
    initial payment which is this
  • 00:08:14
    1,760 plus the total amount in which
  • 00:08:17
    going to pay on installment basis for
  • 00:08:20
    the next 12 months right so we add the
  • 00:08:23
    two then we are good to go so total
  • 00:08:25
    amount supposed to be equal to initial
  • 00:08:27
    payment of what 1,00
  • 00:08:30
    760 plus
  • 00:08:34
    8,96 and what do we get in summary
  • 00:08:37
    suppos to get a total figure of
  • 00:08:44
    9,856
  • 00:08:47
    9,856 that's going to the total amount
  • 00:08:49
    will be pay in all and this total amount
  • 00:08:52
    represent the cost of Ruby will be the
  • 00:08:56
    selling price that
  • 00:09:00
    will be received by
  • 00:09:02
    what that of what Jones for the car so
  • 00:09:06
    let's take note of that so the cost of
  • 00:09:08
    Ruby will be the sales for what jnes in
  • 00:09:11
    this
  • 00:09:12
    Arrangement then the last aspect here is
  • 00:09:15
    the percentage profit John made on the
  • 00:09:18
    cost price of the car so we know the
  • 00:09:20
    cost price of the car was given us what
  • 00:09:23
    6,800 so what will be the percentage
  • 00:09:25
    profit based on this value so that means
  • 00:09:28
    I will have
  • 00:09:30
    percentage
  • 00:09:32
    profit percentage
  • 00:09:35
    profit should Beal to that of what the
  • 00:09:39
    selling price the total selling price
  • 00:09:41
    that John received from the payment by
  • 00:09:44
    Ruby compared with the cost price that
  • 00:09:47
    you bought the car for
  • 00:09:51
    right then divided by the cost price and
  • 00:09:54
    then multiply by what 100 okay so here
  • 00:09:59
    what the total
  • 00:10:00
    sales that JN receive by Ruby at the end
  • 00:10:04
    of the day supposed to be per
  • 00:10:06
    computation we had what
  • 00:10:11
    9,856 then compare with the cost price
  • 00:10:14
    of 6, 800 per the requirement of the
  • 00:10:18
    question here can clearly see that and
  • 00:10:22
    then we divide all by the
  • 00:10:25
    same cost price
  • 00:10:28
    8,6 6,800 and then multip by what 100
  • 00:10:33
    numerator the difference supposed to
  • 00:10:34
    give us what
  • 00:10:36
    3, and
  • 00:10:39
    50 6 divide this by
  • 00:10:45
    6,800 multiplying 100 so supposed to get
  • 00:10:49
    a percentage of
  • 00:10:51
    what
  • 00:10:53
    44.
  • 00:10:55
    94% in two dial places supposed to get
  • 00:11:02
    44.94 all right so that is that
  • 00:11:06
    with this aspect of questioning in
  • 00:11:09
    business SM and is what we call a high
  • 00:11:11
    purchase what arrangement so let's take
  • 00:11:13
    note of that so thank you for watching
  • 00:11:16
    this video and I'll catch you up in the
  • 00:11:18
    next section bye-bye
タグ
  • achat à crédit
  • prix de vente
  • paiement initial
  • intérêt simple
  • mensualités
  • bénéfice