{"id":12464,"date":"2025-08-14T23:32:22","date_gmt":"2025-08-14T23:32:22","guid":{"rendered":"https:\/\/demo1.mycartheme.com\/?page_id=12464"},"modified":"2026-05-17T16:51:42","modified_gmt":"2026-05-17T13:51:42","slug":"loan-calculator","status":"publish","type":"page","link":"https:\/\/garipesa.com\/en\/loan-calculator\/","title":{"rendered":"Loan Calculator"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-page\" data-elementor-id=\"12464\" class=\"elementor elementor-12464\" data-elementor-post-type=\"page\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-be4c023 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"be4c023\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-ff5ae5e\" data-id=\"ff5ae5e\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-b2fdcac elementor-widget elementor-widget-spacer\" data-id=\"b2fdcac\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-972c5ea elementor-widget elementor-widget-heading\" data-id=\"972c5ea\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Pata Mkopo Kwa Kutumia Kadi ya Gari Lako<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-94f31fc elementor-widget elementor-widget-text-editor\" data-id=\"94f31fc\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p style=\"text-align: center;\">Una gari na unahitaji pesa haraka?\u00a0<br \/>GariPesa itakupatia mkopo kulingana na thamani ya gari lako.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7147b21 elementor-widget elementor-widget-html\" data-id=\"7147b21\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"gp-loan-calculator\">\r\n  <h2>Kokotoa Makadirio ya Rejesho la Mkopo<\/h2>\r\n  <p class=\"gp-loan-calc-note\">\r\n    Makadirio haya yametumia riba 3.5% kwa mwezi na gharama nyingine za mkopo kwa mwaka.\r\n  <\/p>\r\n\r\n  <div class=\"gp-loan-calc-grid\">\r\n    <div>\r\n      <label>Kiasi cha Mkopo Unachohitaji<\/label>\r\n      <input id=\"gpLoanAmount\" type=\"text\" value=\"10,000,000\" inputmode=\"numeric\">\r\n    <\/div>\r\n\r\n    <div>\r\n      <label>Muda wa Mkopo<\/label>\r\n      <select id=\"gpLoanTerm\">\r\n        <option value=\"12\">Miezi 12<\/option>\r\n        <option value=\"18\">Miezi 18<\/option>\r\n        <option value=\"24\" selected>Miezi 24<\/option>\r\n      <\/select>\r\n    <\/div>\r\n  <\/div>\r\n\r\n  <div class=\"gp-loan-results\">\r\n    <div><span>Loan Amount<\/span><strong id=\"rLoanAmount\">TSh 0\/=<\/strong><\/div>\r\n    <div><span>Valuation Fee<\/span><strong id=\"rValuation\">TSh 0\/=<\/strong><\/div>\r\n    <div><span>Disbursed Loan<\/span><strong id=\"rDisbursed\">TSh 0\/=<\/strong><\/div>\r\n    <div><span>Capitalized Costs<\/span><strong id=\"rCosts\">TSh 0\/=<\/strong><\/div>\r\n    <div><span>Capitalized Loan<\/span><strong id=\"rCapitalized\">TSh 0\/=<\/strong><\/div>\r\n    <div><span>Total Interest<\/span><strong id=\"rInterest\">TSh 0\/=<\/strong><\/div>\r\n    <div><span>Total Loan Payable<\/span><strong id=\"rPayable\">TSh 0\/=<\/strong><\/div>\r\n\r\n    <div class=\"gp-loan-main-result\">\r\n      <span>Malipo kwa Mwezi<\/span>\r\n      <strong id=\"rMonthly\">TSh 0\/=<\/strong>\r\n    <\/div>\r\n  <\/div>\r\n\r\n  <p class=\"gp-loan-warning\">\r\n    Haya ni makadirio tu. Kiasi halisi kinaweza kubadilika baada ya valuation, approval na masharti ya mkopo.\r\n  <\/p>\r\n<\/div>\r\n\r\n<div class=\"gp-loan-cta\">\r\n  <h2>Tuma Maombi ya Mkopo<\/h2>\r\n  <p>Jaza fomu fupi, kisha timu yetu itakupigia kwa maelezo zaidi.<\/p>\r\n  <a class=\"gp-loan-btn\" href=\"https:\/\/garipesa.com\/gari-kwa-mkopo\/\">Tuma Ombi La Mkopo<\/a>\r\n<\/div>\r\n\r\n<style>\r\n.gp-loan-cta{\r\n  text-align:center;\r\n  background:#111;\r\n  color:#fff;\r\n  border-radius:22px;\r\n  padding:34px 22px;\r\n  margin-top:28px;\r\n}\r\n\r\n.gp-loan-cta p{\r\n  color:rgba(255,255,255,.78);\r\n  margin:12px 0 22px;\r\n  line-height:1.7;\r\n}\r\n\r\n.gp-loan-btn{\r\n  display:inline-block;\r\n  background:#ff7a00;\r\n  color:#fff;\r\n  text-decoration:none;\r\n  padding:15px 26px;\r\n  border-radius:14px;\r\n  font-weight:900;\r\n  font-size:16px;\r\n}\r\n\r\n.gp-loan-calculator{\r\n  max-width:900px;\r\n  margin:35px auto;\r\n  background:#fff;\r\n  border:1px solid rgba(0,0,0,.08);\r\n  border-radius:24px;\r\n  padding:28px;\r\n  box-shadow:0 8px 26px rgba(0,0,0,.07);\r\n  font-family:inherit;\r\n  color:#111;\r\n}\r\n\r\n.gp-loan-calculator h2{\r\n  margin:0 0 8px;\r\n  font-size:30px;\r\n  font-weight:900;\r\n  text-align:center;\r\n}\r\n\r\n.gp-loan-calc-note{\r\n  max-width:760px;\r\n  margin:0 auto 24px;\r\n  text-align:center;\r\n  color:#555;\r\n  line-height:1.6;\r\n}\r\n\r\n.gp-loan-calc-grid{\r\n  display:grid;\r\n  grid-template-columns:repeat(2,1fr);\r\n  gap:16px;\r\n  margin-bottom:22px;\r\n}\r\n\r\n.gp-loan-calc-grid label{\r\n  display:block;\r\n  font-weight:900;\r\n  margin-bottom:8px;\r\n}\r\n\r\n.gp-loan-calc-grid input,\r\n.gp-loan-calc-grid select{\r\n  width:100%;\r\n  padding:14px;\r\n  border:1px solid rgba(0,0,0,.16);\r\n  border-radius:14px;\r\n  font-size:16px;\r\n  font-weight:800;\r\n  box-sizing:border-box;\r\n}\r\n\r\n.gp-loan-results{\r\n  display:grid;\r\n  grid-template-columns:repeat(2,1fr);\r\n  gap:12px;\r\n}\r\n\r\n.gp-loan-results div{\r\n  display:flex;\r\n  justify-content:space-between;\r\n  gap:12px;\r\n  background:#f7f7f7;\r\n  border-radius:14px;\r\n  padding:14px;\r\n  font-size:15px;\r\n}\r\n\r\n.gp-loan-results span{\r\n  color:#555;\r\n  font-weight:700;\r\n}\r\n\r\n.gp-loan-results strong{\r\n  font-weight:900;\r\n  text-align:right;\r\n}\r\n\r\n.gp-loan-main-result{\r\n  grid-column:1\/-1;\r\n  background:#fff3e0 !important;\r\n  border:1px solid #ffd7ad;\r\n  text-align:center;\r\n  justify-content:center !important;\r\n  align-items:center;\r\n  flex-direction:column;\r\n}\r\n\r\n.gp-loan-main-result span,\r\n.gp-loan-main-result strong{\r\n  color:#f57c00;\r\n  font-size:20px;\r\n  text-align:center;\r\n}\r\n\r\n.gp-loan-warning{\r\n  margin:18px 0 0;\r\n  font-size:14px;\r\n  line-height:1.6;\r\n  color:#666;\r\n  text-align:center;\r\n}\r\n\r\n@media(max-width:768px){\r\n  .gp-loan-calculator{\r\n    padding:22px 14px;\r\n  }\r\n\r\n  .gp-loan-calculator h2{\r\n    font-size:24px;\r\n  }\r\n\r\n  .gp-loan-calc-grid,\r\n  .gp-loan-results{\r\n    grid-template-columns:1fr;\r\n  }\r\n\r\n  .gp-loan-results div{\r\n    flex-direction:column;\r\n  }\r\n}\r\n<\/style>\r\n\r\n<script>\r\n(function(){\r\n  const loanInput = document.getElementById('gpLoanAmount');\r\n  const termInput = document.getElementById('gpLoanTerm');\r\n\r\n  const rate = 0.035;\r\n\r\n  function cleanNumber(value){\r\n    return String(value).replace(\/[^\\d]\/g, '');\r\n  }\r\n\r\n  function formatInput(value){\r\n    const raw = cleanNumber(value);\r\n    if(raw === '') return '';\r\n    return Number(raw).toLocaleString('en-US');\r\n  }\r\n\r\n  function getLoanAmount(){\r\n    return Number(cleanNumber(loanInput.value)) || 0;\r\n  }\r\n\r\n  function getLoanTerm(){\r\n    let term = Number(termInput.value) || 24;\r\n\r\n    if(term > 24){\r\n      term = 24;\r\n      termInput.value = '24';\r\n    }\r\n\r\n    if(![12, 18, 24].includes(term)){\r\n      term = 24;\r\n      termInput.value = '24';\r\n    }\r\n\r\n    return term;\r\n  }\r\n\r\n  function money(num){\r\n    num = Math.round(Number(num) || 0);\r\n    return 'TSh ' + num.toLocaleString('en-US') + '\/=';\r\n  }\r\n\r\n  function calculate(){\r\n    const loan = getLoanAmount();\r\n    const term = getLoanTerm();\r\n\r\n    const valuationFee = 50000;\r\n    const disbursedLoan = loan - valuationFee;\r\n\r\n    const appraisalFee = loan * 0.1475;\r\n    const applicationFee = appraisalFee * 0.04;\r\n    const trackingInstallation = 165000;\r\n\r\n    const trackingDeInstallation = 50000;\r\n    const titleDischargeFee = 50000;\r\n\r\n    const monthlyTracking = 40000;\r\n\r\n    const annualInsuranceRate = 0.098;\r\n    const monthlyInsurance = (loan * annualInsuranceRate) \/ 12;\r\n\r\n    const monthlyMaintenance = 3540;\r\n\r\n    const capitalizedCosts = appraisalFee + applicationFee + trackingInstallation;\r\n    const capitalizedLoan = loan + capitalizedCosts;\r\n\r\n    const pow = Math.pow(1 + rate, term);\r\n    const baseMonthly = capitalizedLoan > 0 ? capitalizedLoan * rate * pow \/ (pow - 1) : 0;\r\n\r\n    const totalInterest = (baseMonthly * term) - capitalizedLoan;\r\n\r\n    const monthlyExtra = monthlyTracking + monthlyInsurance + monthlyMaintenance;\r\n\r\n    const totalLoanPayable =\r\n      capitalizedLoan +\r\n      totalInterest +\r\n      (monthlyExtra * term) +\r\n      trackingDeInstallation +\r\n      titleDischargeFee;\r\n\r\n    const monthlyPayable = totalLoanPayable \/ term;\r\n\r\n    document.getElementById('rLoanAmount').textContent = money(loan);\r\n    document.getElementById('rValuation').textContent = money(valuationFee);\r\n    document.getElementById('rDisbursed').textContent = money(disbursedLoan);\r\n    document.getElementById('rCosts').textContent = money(capitalizedCosts);\r\n    document.getElementById('rCapitalized').textContent = money(capitalizedLoan);\r\n    document.getElementById('rInterest').textContent = money(totalInterest);\r\n    document.getElementById('rPayable').textContent = money(totalLoanPayable);\r\n    document.getElementById('rMonthly').textContent = money(monthlyPayable);\r\n  }\r\n\r\n  loanInput.addEventListener('input', function(){\r\n    loanInput.value = formatInput(loanInput.value);\r\n    calculate();\r\n  });\r\n\r\n  termInput.addEventListener('change', calculate);\r\n\r\n  loanInput.value = formatInput(loanInput.value || '10000000');\r\n\r\n  \/\/ Default calculation now uses 24 months\r\n  termInput.value = '24';\r\n\r\n  calculate();\r\n})();\r\n<\/script>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-1607bc3 elementor-widget elementor-widget-spacer\" data-id=\"1607bc3\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>Pata Mkopo Kwa Kutumia Kadi ya Gari Lako Una gari na unahitaji pesa haraka?\u00a0GariPesa itakupatia mkopo kulingana na thamani ya gari lako. Kokotoa Makadirio ya Rejesho la Mkopo Makadirio haya yametumia riba 3.5% kwa mwezi na gharama nyingine za mkopo kwa mwaka. Kiasi cha Mkopo Unachohitaji Muda wa Mkopo Miezi 12Miezi 18Miezi 24 Loan AmountTSh [&hellip;]<\/p>\n","protected":false},"author":81,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"footnotes":"","_members_access_role":[],"_members_access_error":""},"class_list":["post-12464","page","type-page","status-publish","hentry"],"_links":{"self":[{"href":"https:\/\/garipesa.com\/en\/wp-json\/wp\/v2\/pages\/12464","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/garipesa.com\/en\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/garipesa.com\/en\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/garipesa.com\/en\/wp-json\/wp\/v2\/users\/81"}],"replies":[{"embeddable":true,"href":"https:\/\/garipesa.com\/en\/wp-json\/wp\/v2\/comments?post=12464"}],"version-history":[{"count":33,"href":"https:\/\/garipesa.com\/en\/wp-json\/wp\/v2\/pages\/12464\/revisions"}],"predecessor-version":[{"id":49274,"href":"https:\/\/garipesa.com\/en\/wp-json\/wp\/v2\/pages\/12464\/revisions\/49274"}],"wp:attachment":[{"href":"https:\/\/garipesa.com\/en\/wp-json\/wp\/v2\/media?parent=12464"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}