Indlela yokubala Ipesenti zepesenti zonyaka (APR)

I-APR ichaza njani iindleko zokuboleka

Ipesenti yepesenti yonyaka (APR) ichaza indleko yokuboleka ngeentlobo zemali-mboleko ezihlukeneyo, kubandakanywa namakhadi-mboleko kunye neengxowa-mboleko. Iindleko zicatshulwa njengepesenti. Ngokomzekelo, ukuba umbolekisi wakho unemali ye-APR ye-10, uza kuhlawula i-$ 10 ngeyonke i-$ 100 ukuze uboleke unyaka ngamnye. Zonke ezinye izinto zilingana, umboleko nge-APR ephantsi kakhulu ngokuqhelekileyo uyabiza-kodwa ngokuqhelekileyo nzima kunokuba.

Nangona i-APR ingaphelelanga, inika isicwangciso sokuqala ngokuthelekisa inzala kunye neentlawulo ezivela kubaboleki abahlukeneyo.

Akunomdla kuphela: APR iyingqayizivele kuba ingaquka iifizi-ngaphezu kweetyala zenzalo-kwaye iguqula umphumo walezo ntlawulo kwiindleko zonyaka. Oku kukukunceda uqonde ngakumbi iindleko zokuboleka. Ukusebenzisa i-APR ngokufanelekileyo, kubalulekile ukuqonda indlela isebenza ngayo.

Kwiimeko ezininzi, umnini-mboleko wakho unikeza i-APR, kodwa unokufuna ukubala i-APR ngokwakho (okanye unokufuna nje ukujonga izibalo zazo).

I-calculator ye-Intanethi: Ukuba ufuna nje ukubalwa kwe-APR ngaphandle kokwenza izibalo ngokwakho, sebenzisa le-calculator ye-APR kwi-Google Sheets.

Ixabiso le-APR

Imali ingadanisa. Slick ababolekisi bacaphuna amanani ahlukeneyo athetha izinto ezahlukeneyo. Zingabandakanya iindleko ezithile oza kuhlawula, okanye zingashiya ezo ndleko kwiintengiso kunye ncwadana.

Iipulole kwiipulo: Nangona abanamathengi abathembekileyo, ababalaseleyo ngokucacileyo, kusenokuba nzima ukuxelela ukuba yeyiphi imali mboleko ebiza kakhulu.

Kungcono ukuba uthole ixabiso eliphantsi ngeemali eziphezulu, okanye izinga eliphezulu ngeemali eziphantsi? U-APR unceda (ngaphezulu okanye ngaphantsi) ufumane i-apples-to-app ukuthelekiswa kwemali-mboleko nge-accounting ngenxa yeendleko eziphathelene nokuboleka.

Indlela yokubala i-APR

Ukubala i-APR ingaba nzima, kodwa kukho iindlela ezininzi zokwenza:

• Bala ngeespredishithi ezifana ne-Microsoft Excel okanye i-Google AmaSpredishithi.

• Bala ngesandla.

Kukho na indlela, inyathelo elibini:

1. Sombulula inkokhelo yenyanga.
2. Bala ireyithi usebenzisa inkokhelo oyibhalisile kunye "nemali yakho".

Umzekelo: Uboleka i-$ 100,000 kwizinga le-interest rate ye-7 usebenzisa i- mortgage rate yeminyaka engama-30. Uya kuhlawula i-$ 1,000 kwiindleko zokuvala. Yintoni i-APR?

Impendulo: I-APR kule mzekelo i-7.10 ekhulwini. Masihlole indlela yokufika kuloo nqanaba.

Ngesipredishithi (iMicrosoft Excel kunye ne-Google AmaSpredishithi ngokukodwa), imisebenzi eyakhelwe kuyo ininzi yomsebenzi kuwe. Ukubala inkokhelo yenyanga ngenyanga ayinzima, kodwa ukuxazulula isantya kwinto efanelekileyo yenziwe ngekhompyutheni okanye i-calculator. Ukuqala, kufuneka uguqule izinga lesenzalo ukusuka kwipesenti ukuya kufomati yedatha .

Inyathelo lokuqala: Fumana intlawulo yenyanga nganye mboleko yakho:

Umsebenzi wespredishithi: = PMT (izinga, nper, pv, fv, uhlobo)

• = PMT (0.07 / 12,360,100000)
• Iipesenti ezi-0.07 ezahlula ngo-12 lizinga. Usebenzisa inqanaba lenyanga ukufumana iintlawulo zenyanga.
• Inani lexesha linama-360. Leyo iyonke inani leentlawulo okanye iinyanga (engaphezu kweminyaka engama-30 kulo mzekelo).
• Ixabiso langoku le mboleko yakho liyi-100,000, kubandakanywa nayiphi na indleko.

Kufuneka ube ne-$ 665.30.

Inyathelo lesibini: Sombulula i-APR:

Ifom yephepha lesipredishithi: = ISIKHATHI (nper, pmt, pv, fv, uhlobo, ukuqagela)

• = INGXELO (360, -665.30,99000)
• Kwakhona, i-360 yinani lexesha ohlawula ngalo mboleko, unikezelwa iintlawulo ezili-12 ngenyanga ngaphezu kweminyaka engama-30.
• Intlawulo yakho - 665.30. Le nombolo engalunganga, kwaye isuka kwiNyathelo yokuqala ngasentla.
• Ixabiso langoku lemali-mboleko yakho li-$ 99,000. Oku kungakanani obolekayo, kwaye uchazwe ngcaciso engezantsi.

Kufuneka ube nesiphumo se-0.592 ekhulwini. Oku kusekho ngenyanga. Phindwa ngo-12 ukuya ku-7.0999 APR.

Kutheni ixabiso lemali mboleko liyehla ukusuka ku-$ 100,000 ukuya kwii-99,000 zamawaka angaphezulu? Simele ukubala inani leli nyathelo usebenzisa ibhalansi ebolekisiwe. Ukuze ufumane le nombolo, qalisa nge-$ 100,000 "mboleko" kwaye ususe i-$ 1,000 kwimirhumo efunekayo yokufumana loo mboleko.

Bala i-APR kwimali-mboleko ye-Payday

Iimali mboleko ze-Payday zibiza kakhulu . Ezi mboleko zesikhashana ziyakubonakala zinamazinga aphantsi, kodwa iifayili zibenza zibe yingxaki. Ngamanye amaxesha ezinye iintlawulo azibonakali zibi: Unokuhlawula ngokukhawuleza i-$ 15 ukuze ufumane imali ngokukhawuleza. Nangona kunjalo, xa ukhangela ezi ndleko ngokwemali yepesenti yonyaka, uya kufumana ukuba kukho iindlela ezingcono zokuboleka.

Umzekelo: Ufumana i-mboleko yemali ye-payday ye-$ 500, kwaye uhlawula umrhumo we-$ 50. Imboleko kufuneka ibuyiselwe kwiintsuku eziyi-14. Yintoni i-APR?

Umthengi Federation of America uchaza indlela yokubala i-APR kwimali-mboleko yexesha elifutshane:

1. Ukwahlula imali yentlawulo ngemali mboleko.
2. Yandisa umphumo nge 365.
3. Hlukanisa umphumo wexesha le mboleko.
4. Yandisa iziphumo ezili-100.

Ukujongisa umzekelo ongentla:

1. I $ 50 ihlukaniswe ngama-500 elinganayo .01.
2. U-0.01 wanda ngo-365 ulingana no-36.5.
3. 36.5 ihlulwe ngo-14 lilingana no-2.6071 (le ngu-APR yakho kwifomati ye-decimal).
4. 2.6071 yanda nge-100 equle i-260.71% ye-APR.

Amaphupha okugqibela

Ngeemakhadi zemboleko , i-APR ikuxelela ukuba yeyiphi intlawulo yemali oyihlawulayo, kodwa ayibandakanyi nemiphumo yokuhlanganiswa , ngoko uhlala uhlawula ngaphezu kwe-APR ecatshunwe. Ukuba wenza kuphela intlawulo encinci (okanye ubuncinci) kwikhadi lakho lesikweletu, uhlawula umdla kungekhona kuphela kwimali oyimbolekisileyo, kodwa uya kuhlawula umdla kwi-interest ebekwe ngaphambili . Esi siphumo esichukumisayo senza iindleko zakho zokuboleka eziphezulu kunokuba ungacinga. Endaweni yokujonga i-APR, i- APY iya kuba yinkcazelo echanekileyo yendlela ohlawula ngayo. Oku kunokuthi kubhekiswe kuye njengesilinganiso sonyaka esisebenzayo.

Kwakhona, i-APR ngamakhadi-ngxowa-mali kuphela kubandakanya iindleko zenzalo -iyi-akhawunti ayihlawulanga nezinye iirhafu ozihlawulayo kwikhamphani yakho yekhadi lesikweletu, ngoko kufuneka uphando uze uqhathanise ezo ndleko ngokwahlukileyo. Imirhumo yonyaka, imirhumo yokudluliselwa kwemali, kunye nezinye iindleko zingongeza. Ikhadi elinomgangatho ophezulu ophezulu u-APR ungcono nakwiimeko ezithile, kuxhomekeka kwindlela osebenzisa ngayo ikhadi lakho. Ukongeza, ikhadi lakho lekhredithi linokuba nama-APR ahlukeneyo , ngoko uhlawula iintlawulo ezahlukeneyo kwiintlobo ezahlukeneyo zokuthengiselana.

Ngemali- mboleko yemali , i-APR inzima ngoba ibandakanya ngaphezulu kweemali zakho zentlawulo. Naziphi na izicatshulwa ozifumanayo okanye ezingabandakanyi iindleko zokuvala okufuneka uhlawule okanye ezinye iintlawulo ezifunekayo ukuze ufumane imvume yakho yemboleko (njenge- inshurensi yangasese ye-mortgage ). Ababolekisi banakho ukukhetha ukuba ngaba izinto ezithile zingenxalenye ye-APR yokubala, ngoko kufuneka uqwalasele ngokuthe ngqalelo xa uthelekisa imali .

Awukwazi ukuthembela nje kwisigatshana sama-APR ukuhlola iimboleko. Kunoko, jonga yonke into enxulumene nombolekisi wakho ukucacisa ukuba ufumana into emnandi. Ukuba uthelekisa ababolekisi, qaphela ukuba iintlawulo zifakiwe kwi-quote.

Kwakhona, jonga umfanekiso omkhulu. Kufuneka ukwazi ukuba uza kuhlala ixesha elingakanani ixesha lokuboleka imali . Ngokomzekelo, iindleko zexesha elilodwa kunye neendleko zangaphambili-phambili zingaqhuba iindleko zakho ngokukhawuleza ukuboleka-kodwa ukubalwa kwe-APR kuya kuthathwa ukuba loo ntlawulo isasazeka ngexesha lokuphila ixesha elide. Ngenxa yoko, i-APR ibheka ngaphantsi kwiimali-mboleko zexesha elide. Ukuba uya kuhlawula ngokukhawuleza imali mboleko, u-APR uzama ukunciphisa igalelo leendleko zangaphambili. Ukufumana ingxoxo engakumbi, funda Fumana iMboleko Engalunganga ngokuthelekisa u-APR .

Njengoko uthelekisa iimali-mboleko, unokuva imiqathango eyongezelelweyo, njenge-APR variable kunye ne-0% APR. Ukuze ufunde okungakumbi malunga ne-APR kwiintlobo ezahlukeneyo zemboleko, jonga ntoni i-APR?