Disclaimer for PayEsTor 1.5

 < Disclaimer >

1. The rate used by the app is the Interest Rate, not the APR, which may cause differences with estimation result from internet calculator.
2. The app only provides evidence for reference in the decision making, and the user is solely responsible for the consequences of the decision making for the transaction.
3. The estimation result from the app may differ slightly from the amount derived from the Internet calculator due to differences in the decimal processing method.

Privacy Polish for PayEsTor 1.5

 <Privacy Polish>

PayEsTor 1.5 doesn't collect, use, share any privacy information from user.

Auto Lease in PayEsTor 1.5

 < View for Auto Lease >

if you want to estimate how much I have to pay for the deal, Choose "AutoLease" from Combobox. then you can see:

1. After Contract: options you can select what you do after end of the contract. 

- Return: you can return the vehicle to lesser(financial institute)

- Purchase: you can buy the vehicle at the end of the contract with low price( Residual value can be the price.)

- Extend: when you want to extend existing car lease contract.

2. Lender, 6.Terms(mos.): this is the same as used in Personal Loan, Mortgage.

4. Down Payment: this is the same as used in Mortgage and Auto Loan

5. Residual Value: the value of the car at the end of the lease contract.

7. Payment/mo.: the amount of the money you have to pay monthly.

Auto Loan in PayEsTor 1.5

 < View for Auto Loan >

if you want to estimate how much you have to pay, choose "AutoLoan" from Combobox. then you can see:

1. Lender: name of the financial institute will lend money to you. (e.g., Bank of America) you can enter this here.

2. MSRP(car): an acronym for Manufacturer's Suggested Retail Price. But this is just a recommendation from Manufacturer. actual price from local dealership can be lower or higher.

3. Down Payment: initial sum of money applied to a purchase being financed by the purchaser. When making a large purchase, many buyers will pay some of that cost upfront in the form if a down payment in order to reduce the amount oif money to be financed.

4. Rate: interest rate used in the deal.

5. Terms(mos.): the length of the deal.

Personal Loan in PayEsTor 1.5

< View for Personal Loan>

If you estimate how much you should pay for Personal Loan deal, Choose "PersonalLoan" from the combobox. Then You can see:

1. Lender: User can enter the name of the Lender here. (e.g., Bank of America) FYI, you can enter character only.

2. Amount: amount of the money you can borrow from the deal. normally, most of financial institution allow $100,000 at most.

3. Rate: Interest Rate for the deal. expressed as a percentage.

4. Terms: the length of time between when a firxed-income security, such as bond or note, is offered for sale and its maturity date.

 

Mortgage in PayEsTor 1.5

 <View for Mortgage>

if you want to estimate how much you have to pay for mortgage deal, choose "Mortgage" from Combobox. Then You can see:

1. Lender: You can enter the name of the Lender here. FYI, you can enter character only here.

2. MSRP(Home): price of the house you want to buy.

3. Down Payment: this is the part of the home's purchase price you pay upfront, rather than financing it through a mortgage. if you're buying a $200,000 home, for example, and put 10 % down, or $20,000, you'd ge getting a mortgage for $180,000.

4. Rate: Interest Rate for the deal.

5. Terms(mos.): the length of time between when a fixed-income security, such as a bond or note, is offered for sale and its maturity date. (if you want to enter 3 yrs. as the terms of the deal, you should enter "36" because PayEsTor uses months as a measure for terms.)

Main View in PayEsTor 1.5

 < Main View >

When You start PayEsTor, User will see the following view:

1. Product: User can select category of the deal. (e.g., Personal Loan)

2. About...: User can check details(name, e-mail address of the developer, URL of user guide) of the app.

3. Input Screen: User can Enter the details of the deal here. this screen can be changed according to the product.

4. "Estimate" button: User can estimate how much expense this deal can generate  by clicking this button.