Ipesenti yepesenti yonyaka, okanye i-APR, inzala yentlawulo ehlawulwe ngemali ebolekelwe. Ibonisa iindleko zonyaka zokuboleka imali. I-APR yenza kube lula ukuthelekisa indleko yemali-mboleko kunye namakhadi-ngxowa-mali kuba unokubona ukuba yiyiphi imboleko / ikhadi lekhredithi liza kubiza ngokuthelekisa amanani. Ngokomzekelo, umboleko ngemali engama-10% yintengo engabizi ngaphaya komboleko ngemali ye-interest rate ye-15% (kuthathwa ezinye izinto zilingana).
U-APR oqeshwayo kunye no-APR ophumelelayo
Kukho izigaba ezininzi zee-APR. U-APR oqeshwe ngumyinge wenzalo ochazwe ngemboleko. U-APR osebenzayo uquka iintlawulo eziye zongezwa kwibhalansi yakho. U-APR osebenzayo kwikhadi lekhredithi okanye umboleko ungaba ngaphezu kwe-APR okhethiweyo kuba u-APR osebenzayo uquka nayiphi na imali ekhoyo.
Xa uthelekisa i-APRs phakathi kweemveliso zetyala, qiniseka ukuba uthelekisa iintlobo ezifanayo zerhafu.
I-APR ehleliweyo kunye no-APR
I-APR ingatshintshwa okanye iguquke. I-APR echanekileyo ngokuqhubekayo iyafana efanayo kulo lonke ubomi bomboleko. Nangona kunjalo, kwimeko yamakhadi-mboleko, i-APR echanekileyo ingatshintsha ukuba umniki wekhadi ukwazisa iintsuku ezingama-45 ngaphambi kokunyuka kwezinga. U- APR oguqukileyo unako ukutshintsha ngaphandle kwesaziso kwaye usekelwe kwelinye izinga lentengo, njengenqanaba lokuqala . Iirhafu zemali yamatyala ekhredithi nazo zingatshintshwa njengezohlwayo zokuhlawulwa kweentlawulo, njengoko kuchazwe kwisivumelwano sakho sekhadi lesikweletu.
Ikhadi lesikweletu APR
Ikhadi lekhredithi ingaba nama-APR amaninzi kwindlela nganye yokulinganisela. Omnye ukuthengwa, enye yokutshintsheliswa kwemali, kunye enye yokunyuka kwemali . I-APR ukwenzela ukunyuka kwemali ivame ukuphakama ngaphezu kwe-APR ukuthenga nokuhanjiswa kwemali. Abanye abaniki bamakhadi bekhredithi banikela i-APRs yokuqala ngokuthenga kunye nokuhanjiswa kwemali.
Isingeniso sokuqala singaphantsi kwezinga eliqhelekileyo lentlawulo kwaye lihlala kwiinyanga ezimbalwa zokuqala zokuvula ikhadi lekhredithi.
Ukungagqibekanga okanye isohlwayo u-APR ngowona ophezulu u-APR ohlawulwe ngetyala lekhredithi kwaye ngokuqhelekileyo uyaqala ukusebenza xa ungagqibekanga kwiimali zekhadi lakho lesikweletu. Oku kwenzeka xa wenza intlawulo ehlawulezileyo , udlula umda wakho wesikweletu , okanye isheke esetyenziselwe ukuhlawula imali yekhadi lakho lekhadi lekhredithi libuyiselwa.
Ukuba uqala i-APR engapheliyo, umniki- khadi wakho wekhadi kufuneka ahlaziye umsebenzi wakho we-akhawunti emva kweenyanga ezintandathu kwaye unciphise i-APR yakho ukuba wenze iintlawulo zakho ngexesha.
Yintoni i-APR yakho?
Ababoleki kufuneka baxelele i-APR kuwe ngaphambi kokuba uvumelane nekhadi lesikweletu okanye mboleko. Ngale ndlela ungaziswa malunga neendleko zokuboleka kwaye wenze isigqibo malunga nokuba ufuna ukufumana le ndleko.
Ngeemakhadi ezikweleti kunye neemali-mboleko, jonga ikopi yakutshanje yesitatimende sakho sokubakho ukufumana uM APR wakho. Ifowuni kumthengi wakho okanye umbolekisi unokuqinisekisa kwakhona i-APR yakho ukuba awufumani nawaphi na amaxwebhu anenombolo.
Xa i-APR yakho iphezulu kakhulu
I-APR imboleko ephakamileyo yandisa inani lentlawulo yakho yenyanga. Ukuba ufuna ixabiso eliphantsi kumboleko okhoyo, uya kufuneka ufake isicelo sokulungiswa kwemali mboleko. Ukuxhaswa kwemali ngokuyinhloko kukufaka imali mboleko entsha, ngethemba lokuba inzala engaphantsi.
Umnikeli wakho wekhadi lokuthenga ngetyala unokunika i-APR engaphantsi ngaphandle kokuba ufake isicelo sekhadi elitsha lekhredithi. Kodwa, akubona bonke abakhupheli bekhadi lokuthenga ngetyala baya kuvuma ukunciphisa intlawulo yesabelo esele ikhona, ngakumbi ukuba i-akhawunti yakho ayikho kakuhle. Ukuba ufanelekile, ungadlulisela ibhalansi yakho kwenye ikhadi lekhredithi nge-APR engcono.
I-APRs isekelwe, ngokukodwa, kwimbali yakho yamatyala. Ukuba nomlinganiselo omhle weebhanki kunokukunceda ukuba ufanele ukufumana isantya esezantsi.