Indlela yokulinganisela imihla ngemihla yokuhlawula imali yakho isebenzisa ibhalansi yangempela ngosuku ngalunye lomjikelezo wakho wokuhlawula endaweni yesilinganiso semali yakho kumjikelezo wokuhlawula. Iindleko zemali zibalwe ngokubhengeza ibhalansi yosuku ngalunye lwandiswe ngezinga lemihla ngemihla, eliyi-1/365 ye-APR yakho.
Echazwe ngenye indlela, ireyiti yemihla ngemihla i-APR yakho ihlukaniswe ngama-365.
Umzekelo wokuTyala kwezeMali zeMali
Nasi umzekelo wendlela yokuhlawulwa kweemali eza kubalwa ngokusebenzisa indlela yokulinganisela imihla ngemihla. Ukuze kube lula, lo mzekelo uthatha ukuba unomlinganiselo ofanayo rhoqo ngosuku lomjikelezo wokuhlawula.
- APR = 14%
- rate = =0385%
- iintsuku kumjikelezo wenkokhelo = 30
- ibhalansi yansuku zonke = $ 1000
- Imali yentlawulo = (Usuku loku-1 ibhalansi * izinga lansuku zonke) + ... + (Usuku lwama-30 ibhalansi *
= ($ 1000 * .000385) + ... + ($ 1000 * .00385)
= $ 11.55
Iintlawulo zithinta njani ukuhlawulwa kwezeMali
Ngendlela yokulinganisela kwansuku zonke, ixesha lokuhlawulwa kweentlawulo kunye neentlawulo zenza umehluko kwimali yefowuni yakho.
Cinga ngo-APR omnye, umhla wosuku, kunye neentsuku kumjikelezo wokuhlawula njengenhla.
Ukuba wenza imali eyi-100 yenkokhelo ngomhla we-5 womjikelo wenkokhelo, imali yakho ye-mali iya kuba yi-$ 10.55 . Kodwa, ukuba wenza imali eyi-100 yenkokhelo ngomhla we-25 womjikelo wenkokhelo, imali yakho ye-mali iya kuba yi-$ 11.32.
Ukwenza inkokhelo yakho kwangethuba kumjikelo wenkokhelo kuthetha ukuba unesilinganiselo esingaphantsi kweentsuku ezingaphezulu kumjikelezo wokuhlawula. Kukhokelela kwintlawulo ephantsi kwezemali kuloo meko.
Masithi wenze inkokhelo (i-$ 100) kunye nentlawulo ($ 75) ngexesha lomjikelezo ofanayo. Khangela indlela ixesha elichaphazeleka ngayo ngalinye elichaphazela ngayo imali yakho yezimali:
- Intlawulo ngomhla we-5, ukuhlawulwa ngomhla wama-25, imali yentlawulo = $ 10.69
- Intlawulo ngomhla we-5, ukuhlawula ngomhla we-6, ukuhlawulwa kwezemali = $ 11.27
- Intlawulo ngomhla wama-25, ukuhlawulwa ngomhla we-5, imali yentlawulo = $ 12.11
- Intlawulo ngomhla wama-24, uhlawulwe ngomhla wama-25, imali yentlawulo = $ 11.46
Uyabona, ukwenza iintlawulo kwangaphambili kwinqanaba lokuhlawula kunye neendleko kamva kwisiphumo somjikelezo wokuhlawula kwihlawuliso ephantsi kweemali xa ikhadi lakho lekhredithi lisebenzisa indlela yokulinganisela imihla ngemihla ukubala iintlawulo zezimali . Ukwenza iindleko kwangoko kwimijikelezo yokuhlawula kunye nentlawulo kamva kwisigidi sokubakhokelela kukhokelela ekuhlawuleni imali ephezulu.
Ukulandelela ixesha lokuhlawulwa kweentlawulo kunye neentlawulo kuza kubaluleka ukuba ufuna ukunciphisa inani lomdla olihlawula kwiakhawunti yakho yekhadi lesikweletu. (Emva koko, unokuphelisa iindleko zezimali ngokuhlawula ibhalansi yakho ngokupheleleyo ngenyanga.)
Ukuba ufuna ukuqhubeka kunye neentsuku kumjikelezo wakho wokuhlawula, kufuneka ukwazi xa umjikelezo wakho wokuhlawula uqala kunye nenani leentsuku kumjikelezo wokuhlawula. Ungayifumana le ngcaciso kwiitatimenti zekhadi lakho lesikweletu.
Khumbula ukuba usuku kumjikelezo wakho wokuhlawula awuhambelani nomhla wenyanga yekhalenda. Kungenxa yokuba imijikelezo yokuhlawula ayifuni ukuqala ngosuku lokuqala lwenyanga kwaye ngenxa yeendleko zokujikeleza ngokuqhelekileyo zifutshane kunenyanga.