Offline appOfficial Zeyto

Flat vs Reducing Rate Loan, Car Finance and Lease Calculator

Name: Flat vs Reducing Rate Loan, Car Finance and Lease Calculator (UAE)
Brand: Zeyto
SKU: flat-vs-reducing-rate-loan-calculator-uae
Price: 49.00 AED
Availability: InStock

An offline app for borrowers, car buyers, lessees and small businesses comparing finance offers.

Find the real rate behind a flat rate quote.

Flat vs Reducing Rate Loan, Car Finance and Lease Calculator (UAE): Compare screen with the example data

DeliveryInstant download

OfflineWorks offline

Real screenshot, example data

At a glance

FormatOffline app, opens in your browser
DeliveryInstant download
In the box2 files, 30 KB
Works withAny modern browser (tested in Chromium; opens offline)
OfflineRuns offline in your browser
Made forUAE businesses

How it works

BuyPay on Stripe’s secure page.
DownloadYour order page opens at once with a secure link.
Open and useUnzip it and open index.html in your browser.

See it first

Look before you pay: screenshots, a short walkthrough and a live demo you can click through.

Compare, with the example data

Silent 19 second walkthrough of the real app with example data

Try it now

Click through the real app. No download, no sign-up.

Demo with fictional example data. Nothing you type is saved. Printing, export and backup are switched off in the demo; the full app has them.

What you get

Flat rate converted to the true effective annual rate
Fees, insurance, balloon and advance payments
Compare offers ranked by effective rate
Early settlement: actuarial, Rule of 78, own rebate
Month-by-month schedule with CSV export
README worked example, example data, JSON backup

Files and sizes (2)

flat-vs-reducing-rate-loan-calculator-uae.zip23 KB
README.txt6.3 KB

2 files, 30 KB in total. You download them from your order page after payment.

What it does not do

Take fees and terms from your contract.
Variable rates, late fees and grace periods are not modelled.
Your data stays in one browser on one device: no cloud sync, so export a backup.

After you buy

Instant downloadYour order page opens right after payment with a secure link for each file. The link is emailed to you too.
A fresh link any timeLinks last 48 hours. Enter your order reference and the email you paid with and we will send a new one.
Help is one email awayWrite to support@zeyto.app with your order reference. The team answers every enquiry.
Fix, replace or refundIf a file is damaged, will not open, or is materially different from its listing, tell us within 7 days of the sale and we will fix it, replace it or refund you.

Find my purchases Contact the Zeyto team Marketplace terms

Full refund wording

Digital downloads (files, templates, skill packs, guides) are delivered straight away, so they are not refunded once downloaded. If a file is damaged, will not open, or is materially different from its listing, tell us within 7 days of the sale and we will fix it, replace it or refund you.

Applies to products sold by Zeyto itself. None of this takes away rights you have under UAE law.

About this product

A flat rate is charged on the original amount for the whole term, even though you pay the loan down every month, so 4% flat is not the same price as 4% reducing.

Read the full description

A flat rate is charged on the original amount for the whole term, even though you pay the loan down every month, so 4% flat is not the same price as 4% reducing. Buyers compare a flat quote from one dealer with a reducing quote from another and pick the wrong one. This app solves the real rate and puts the offers side by side.

What is inside

A flat quote converter: instalment, total interest, nominal and effective annual rate, and the equivalent reducing rate.
Fees as a fixed amount or a percentage, added to the loan or deducted from what you receive; insurance financed; a balloon payment; payments in advance or arrears.
A reducing-rate quote for comparison, with its equivalent flat rate and total cost of credit.
A Compare offers tab that ranks several quotes on the same price by effective annual rate.
Early settlement three ways: the actuarial balance, the Rule of 78 and your own rebate percentage, with an optional settlement fee.
A month-by-month schedule that exports to CSV, a printable A4 page for each tab, example data and a README with a worked example.

What is fact and what is a setting This is arithmetic. It states no UAE lending rule and no regulator limit. Fees, insurance, balloon and the settlement method come from your contract, so they are inputs. No bank or finance company is named.

What it is NOT It is a calculation, not a quote or financial advice. Variable rates, grace periods, skipped payments, late fees and tax on fees are not modelled.

How it differs from the UAE SME Bank Loan Application Pack That pack includes a repayment and flat-rate converter as one sheet among many application documents. This app is the full calculator: effective rate, comparison of offers, balloon, fees and early settlement.

How it was checked Instalments, effective rates, schedules and settlement figures were compared with an independent Python calculation over random cases, with the differences reported in the README. Typed screens, CSV, exports, reload, print view and phone width were tested in Chromium. Not tested in Safari, Firefox or Edge. Single use.

Questions

Who is it for?

Borrowers, car buyers, lessees and small businesses comparing finance offers.

What do I need to use it?

Any modern browser (tested in Chromium; opens offline).

How do I get it?

Pay on Stripe, then download from your order page at once. Links last 48 hours: ask for a fresh one with your order reference and email.

What if the file is wrong?

If a file is damaged, will not open, or is materially different from its listing, tell us within 7 days of the sale and we will fix it, replace it or refund you. Read the terms.