Ukusebenzisa u-APR, awudingi ukuqonda izibalo emva kwayo, kodwa unako ukuhlamba ngokujulileyo kwaye ufunde ukubala i-APR ukuba ufuna ulwazi oluninzi.
Uphi uMashi?
U-APR umlinganiselo wepesenti wonyaka. Ikwaxelela ukuba libiza kangakanani ukuboleka unyaka omnye, kuquka neendleko zenzalo kunye nemali eyongezelelweyo ehambelana nemboleko. U-APR "yintengo" yemboleko esicatshulwe ngokwemali yenzalo. Amanani omdla ancedo kuba ireyiti ingasetyenziselwa nayiphi na imali.
Emva kokuba wazi ukuba kuninzi kangakanani ukuboleka, unokuqhathanisa iimboleko kunye namakhadi esikwerethi ngokuthelekisa u-APR.
Umzekelo: Uboleka i-$ 100 kwipesenti ezili-10 u-APR. Ngaphezulu konyaka owodwa, uya kuhlawula i-$ 10 emdlalweni kuba i-10 ye-10 i-10 ekhulwini ye-$ 100. Ukubala, phinda i-$ 100 nge-0.10 ukufika kwi-$ 10 (i-100 x x10 = $ 10). Qaphela ukuba iphesenti iya guqulwa ibe yifomati yedesimali ukwenza ukubala.
Enyanisweni, uya kuhlawulwa ngaphezu kwe-10. Umzekelo ongentla uthatha inzala ibalwa kwaye ihlawuliswa kuphela kanye ngonyaka kwaye awuhlawuli nayiphi na imali-engenakulungile. Amakhadi enkokhelo ngokubanzi ahlawula imali encinci yemfuno yemihla ngemihla okanye ngenyanga (kwaye wongeza ezo ntlawulo kumali-mboleko yakho), oko kuthetha ukuba uya kuhlawula ngakumbi ngenxa yokuqulunqa .
Ngemali-mboleko yasekhaya, uhlawula iindleko zokuvala , ezongeza kwiindleko ezipheleleyo zemboleko yakho.
U-APR ngumlinganiselo wonyaka . Ngamanye amagama, ichaza indlela enomvuzo oya kuhlawula ngayo xa uboleka unyaka opheleleyo. Nangona kunjalo, ungeke ubolekelwe unyaka wonke, okanye imali obolekayo ingatshintshwa kuwo wonke unyaka (njengoko uthetha ukuthenga kunye neentlawulo kwikhadi lakho lesikweletu, umzekelo).
Ukufumana amanani aluncedo, unokufuna ukwenza i-math embalwa.
Nangona kunjalo, unokucinga ukuba i-APR encinane ibhetele kuneP APR ephezulu (kunye ne-mortgage).
Ngeemakhadi zemboleko , ngokuqhelekileyo uphula i-APR yakho ukuya kwizinga lemihla ngemihla , ngenxa yokuba inzala ihlawuliswa kwibhalansi yakho yonke imihla, kwaye loo ntlawulo yenzalo iyongezwa kwibhalansi yakho ukuze ukwazi ukuhlawula umdla olulandelayo ngosuku.
Ukufumana isantya sakho somhla, thabatha i-APR uze uhlule ngo-365. Ukuba i-APR i-10 ekhulwini, izinga lemihla liya kuba yi-0.0274 ekhulwini (0.10 eyahlula ngo-365 = .000274). Qaphela ukuba amanye amakhadi ekwereta ahlula ngeentsuku ezingama-360 endaweni yeentsuku ezingama-365.
Khangela ngakumbi xa ubalwa iintlawulo zekhadi zekrediti kunye neendleko ngesandla.
Yintoni i-0% ye-APR?
Ukuba uye wabona iintengiso ezibonelela "i-teaser", unokuzibuza ukuba yeyiphi ipesenti ye-zero i-APR ithetha. Ipesenti ye-Zero i-APR ibonisa ukuba akukho nzala iya kuhlawulwa ngemali oyibolekayo. Ukungabikho kwemali yenzalo kwenza ukuba (uhlobo) njengokuba uhlawula ngokukhawuleza, kunye nemali yakho, kwaye ngamanye amaxesha uphathwe "njengento efanayo nemali." Kodwa uhlala uboleka imali, kwaye izinto zihlala zithatha okubi guquka. Ukuboleka ukukhululeka kungase kuzwakale kumnandi, kodwa kudla ngokukhawuleza kuthatha ixesha elide; Ipesenti ze-APR zinikezelwa ukuba zifike emnyango ukuze ababoleki banokukuhlawula umdla.
Akunakho isidlo sasemini: Qhubeka ukhumbule ukuba ipesenti ze-APR zinikeza inokukunceda ugcine imali kumdla, kodwa usenokuhlawula ezinye iimali zokuboleka. Ngokomzekelo, ikhadi lakho lesikweletu lingakhokhela intlawulo "yokutshintshela ibhalansi" ukuba uhlawule izilinganiso kwezinye iikhadi lamatyala. Umrhumo unokuba ungaphantsi kokuhlawula inzala kunye nekhadi elidala, kodwa uhlawula into. Ngokufanayo, unokuhlawula umrhumo wonyaka kumniki wesikweletu, kwaye loo ntlawulo ayifakiwe kwi-APR.
Kunokwenzeka ukuhlawula nantoni kwaye usebenzise ngokupheleleyo ipesenti ze-APR, kodwa kufuneka ukhuthaze ukukhupha oku. Kubalulekile ukuhlawula ipesenti ye-balance balance loan yakho ngaphambi kokuba ixesha lokuphromotha liphele kwaye wenze zonke iintlawulo zakho ngexesha - ukuba awukho, unakho ukuhlawula iindleko zenzalo ephezulu kuyo nayiphi na imali eseleyo.
Inzala ekhethiweyo ayifani nentsingiselo yenani lepesenti. Ezi nkqubo zihlala zipapashwa njengengeniso-mboleko, kwaye ziyaziwa ngokukhethekileyo malunga neeholide zasebusika. Nangona kunjalo, uya kuhlawula umrhumo xa ungaphumeleli ukuhlawula yonke ibhalansi ngaphambi kokuba ixesha lokuphromotha liphele. Ngepesenti ye-zero yangempela, uza kuqala ukuhlawula inzala kuyo nayiphi imali eseleyo emva kokuba ixesha lakho lokupasa liphela. Ngomdla olandelwayo, uza kuhlawula umdla ngokuphindaphindiweyo kwisixa semali-mboleko sokuqala njengokuba awuzange wenze nayiphi na intlawulo . Izibonelelo zenzalo ezikhethiweyo azivunyelwe ukuba zipapashwe njenge "0% inzala."
Yintoni ebonakalayo i-APR?
Ukuba i-APR iyatshintsha, ngoko iyakwazi ukutshintsha (okanye utshintshe) phezu kwexesha. Ngeemali-mboleko, uyazi kakuhle ukuba uza kuhlawula ngantoni-mali: uyazi ukuba uza kuboleka kangakanani, uza kuthatha ixesha elingakanani ukuyihlawulela, kwaye yeyiphi izinga lentengo elisetyenziselwa iintlawulo zenzalo. Imali nge-variable ye-APR ihlukile. Inqanaba lomdla linokuba liphezulu okanye liphantsi kwixesha elizayo kunanamhla (ubuncinane buya kuba mnandi, kodwa luphakame kakhulu).
Imali-mboleko yezinga elingafaniyo ingozi ngenxa yokuba unokucinga ukuba unakho ukubolekeka unikwe isantya samhlanje, kodwa unokuphela ukuhlawula okungaphezulu kunokuba ulindele. Ngakolunye uhlangothi, uya kufumana umyinge ophantsi wezinga lomdla ukuba uzimisele ukuthatha ingozi yokusebenzisa u-APR oguqukileyo. Kwezinye iimeko, ii-APR ezihlukahlukileyo zikhethwa kuphela - zithathe okanye zishiye.
Yintoni enokukwenza ukuba inzala yakho inyuke? I-APRs eyahlukileyo iphakama ngokukhawuleza xa amazinga enzala ephakama ngokubanzi. Ngamanye amazwi, bavuka ngovelwano ngamanani entengo kwi-akhawunti yokulondoloza kunye nezinye iintlobo zemboleko. Kodwa inzala yakho inokunyuka njengenxalenye "yesigwebo" (enoba unomlinganiselo ochanekileyo u-APR okanye awukho). Ukuba uhluleka ukwenza iintlawulo okanye ukushaya i- incliner default , iirhafu zakho zingagxuma kakhulu. Akunakufuneka uhlawule amazinga aphakamileyo kwibhalansi yakho ekhoyo, kodwa uya kulahleka ukukwazi ukuboleka kwizinga eliphantsi kwixesha elizayo.
APRs amaninzi
Ukuthetha ngamanani aphakamileyo kunye namazinga aphantsi, unakho ukuhlawula i-APR eyahlukeneyo kuxhomekeke kwindlela oboleka kuyo. Ziziphi ezi zi-APR?
Cinga ngokuvula ikhadi elitsha lekhredithi: ungadlulisela ibhalansi kule khadi, wenze ukuthengwa okuthile, kwaye ufumane ukunyuka kwemali kwi-ATM. Ekubeni ezo zihlobo ezahlukeneyo zokuthengiselana, oko kusenokwenzeka ukuba kuthetha ama-APR ahlukeneyo. Ngokuqhelekileyo uza kufumana u-low (ukunyusa) u-APR ukwenzela ukuhanjiswa kwemali, u-APR rhoqo ukuthenga, kunye no-APR ophezulu ukunyuka kwemali. Ngaphezu koko, njengoko uhlawula, umniki-khadi wakho wekhredithi unokufaka isicelo sokuhlawula kwi-Apart yeyona ndlela ephantsi kakhulu-ukuze bakwazi ukuhlawulisa inzala kumazinga aphezulu ngokukhawuleza.
Ungacingi nje ukuba uyazi ukuba i-APR yakho yintoni. Fumana into eyenzekayo xa wenza nantoni na ngaphandle kokutshintsha ikhadi lakho kwisitoreji.
APR ukulungiselela ukuqhathaniswa kwempahla
Xa kuziwa kwimali-mboleko yasekhaya, u-APR unzima. Kufuneka ukuba i-apula-to-aple indlela yokuqhathanisa zonke iindleko zemboleko yakho: iindleko zenzalo, iindleko zokuvala, i-inshurensi yokubolekwa kwemali, kunye nezinye iirhafu ongahlawulela ukufumana imali mboleko. Ekubeni ababolekisi abahlukeneyo bahlawula iirhafu ezahlukeneyo, u-APR uza kukunika inombolo enye ukujonga xa uthelekisa iimali-mboleko. Nangona kunjalo, inyaniso kukuba ababolekisi abahlukeneyo baquka (okanye ingabandakanyi) iimali ezahlukileyo ukusuka ekubaleni kwe-APR, ngoko awukwazi nje ukuthembela ku-APR ukuxelela ukuba yiyiphi into ebhekene nayo. Ukufumana iinkcukacha ezithe xaxa ngokuthelekisa iicatshulwa ze-APR, khangela i- APR Pitfalls .
Yintoni echaphazela u-APR?
Ingaba uhlawula u-APR ophezulu okanye u-APR ophantsi uncike kwizinto ezininzi:
Uhlobo lwemboleko: ezinye iimali-mboleko zibiza kakhulu kunezinye. Ukubolekwa kwekhaya kunye neemali-mboleko zemali ngokubanzi ziza ngezinga elincinci kuba ikhaya lifumaneka njengento yokubambisa kwaye abantu bavame ukubeka phambili abo mboleko. Amakhadi enditalini, ngakwelinye icala, ayimali-mboleko engakhuselekanga ukuze uhlawule ngaphezulu ngenxa yengozi yokwanda.
Inkokhelo: Imbali yakho yokuboleka iyindawo ebalulekileyo nayiphi na isinqumo sokwenza imali. Ukuba ungabonisa imbali eqinileyo yokubuyiselwa kwemali mboleko ngexesha (kwaye ngoko unamaqaku amanqaku aphezulu ), uza kufumana ama-APR aphantsi malunga naluphi uhlobo lwemboleko.
Imilinganiselo: kwakhona, konke kusemngciphekweni. Ukuba ngababolekisi bacinga ukuba banokuphepha ukulahlekelwa yimali, baya kunika ama-APR aphantsi. Kwikhaya kunye nemali-mboleko yemali, kubalulekile ukuba ube nemboleko ephantsi ukuxabisa ixabiso (LTV) kunye netyala elihle lokufumana imali yokufumana imali . Ulungelelwano oluhle lubonisa ukuba awuyi kutshabalalisa ngaphezu kokuba ungahlafuna kwaye umnini-mboleko angathengisa imali kunye nokuhamba ngendlela efanelekileyo xa kufuneka.