Akukhawulezi ngokukhawuleza kumagama abo ukuba le mibandela emibini - kunye namanani omdla awachazayo - ahluke. Nangona kunjalo, ukuqonda umahluko phakathi kwe-APR kunye ne-APY kuya kukunceda uqonde kakuhle ukuba kunzima kangakanani imali yakho.
APR kunye no-APY: Kukho konke malunga nokuhlanganiswa
U-APR ubonisa izinga lenzalo yonyaka ehlawulwa ngokutyalomali. Ayinakuqwalasela indlela inzala ifakwe ngayo.
Okwangoku, i-APY iqwalasela indlela inzala esetyenziswa ngayo kwinqanaba elithile, elingahlawulela nayiphi na indawo ukusuka kwimihla ngemihla.
Ngokomzekelo, masithi ubeka i-$ 10,000 kwi-akhawunti ene-APR ye-5 ekhulwini. Ukuba inzala isetyenziswe kanye kuphela ngonyaka, uza kufumana i-$ 500 ngenzala emva komnyaka omnye.
Ngakolunye uhlangothi, masithi intsingiselo isetyenzisiweyo kwenyanga. Oku kuthetha ukuba ama-5 eepesenti ama-APR aya kuphulwa ukuya kwiintlawulo ezincinane ezinomyinge weenyanga ezili-12 ngenyanga.
Kule meko, loo nto iya kuba malunga ne-0.42 ekhulwini ngenyanga. Ukusebenzisa le ndlela, idiphozi yakho eyi-$ 10,000 yayiza kufumana i-$ 42 kwimali emva kwenyanga yokuqala. Oku kuthetha kwinyanga yesibini, iipesenti ezingama-0.42 ziya kufakwa kwi-balance balance ye $ 10,042, njalo njalo.
Ngako oko, kule mzekelo, nangona i-APR i-5 ekhulwini, ukuba inzala ihlanganiswe kanye ngenyanga, uya kubona ngokwenene ama-dollar ayi-512 yemali efunyenwe emva konyaka owodwa. Oko kuthetha ukuba i-APY ijika ibe malunga ne-5.12 yeepesenti, yimalini yemali enokuyifumana xa ubamba utyalo-mali unyaka omnye.
Ewe, ukuba ucinga ngotyalo-mali apho inzala isetyenziswe kuphela kwi-balance once ngonyaka, i-APR yakho iya kufana ne-APY yakho. Oku akuyona imeko eqhelekileyo, nangona kunjalo, kwaye akunakwenzeka ukuba udibane nayo kwibhankini yakho.
Amabhanki amaninzi athenge i-APY
Xa iibhanki zifuna abathengi ngemali-mali ethatha inzala, njengezatifikethi zediphozithi okanye i-akhawunti yemarike yemali, kunomdla wabo wokubhengeza umvuzo wabo wepesenti wonyaka, kungekhona ipesenti yabo yonyaka.
Isizathu salokhu kufuneka sibonakale: I-percentage yield yields are higher, kwaye ngoko kubonakala ngathi utshalomali olungcono kumthengi.
Njalo uqhathanise iintlobo ezifanayo zeeRhafu
Xa uthengisa i-akhawunti entsha yokugcina imali, i-CD okanye i-akhawunti yemarike yemali , qiniseka ukuba uthelekisa iipulo kwiipulo. Oko kuthetha ukuba ucinga ngezinga lentengo, uthelekisa i-APY ku-APY.
Ukuba uthelekisa i-akhawunti enye yokupapasha i-APR kunye ne-APY yomnye, amanani angabonakali ukuba yiyiphi i-akhawunti engcono. Xa uthelekisa i-APY bobabini, unomfanekiso ocacileyo obonisa ukuba yiyiphi i-akhawunti eya kubangela umdla.