Uninzi lwababolekayo baqhelanise nomyinge wepesenti wonyaka , okanye u-APR, ngekhadi lesikweletu okanye mboleko. Le nqanaba ibonisa intengo yemali yokuboleka imali yonyaka kwaye yindlela yamakhadi ekwereti afuneka ngayo ukuba adalule ixabiso lekhadi lekhredithi . Nangona kunjalo, abaninzi abanokukhishwa kwamakhadi-krediti babala kwaye bahlawula umdla ngexesha elibalulekileyo, umz. Imihla ngemihla, nyanga zonke, okanye ngamanye amaxesha kunye nekota nganye, ngoko ke iingxelo zentlawulo ingaba nexesha lexesha.
Ixesha lexesha
Ireyithi yexesha eliyi-APR livakalise ngaphezu kwexesha elifutshane (elifutshane). Unako ukubala inani lexesha ngokuhlula i-APR ngenani lexesha lokuhlawula. Ngokomzekelo, inani lexesha leenyanga libalwe ngokusekelwe kwi-APR ehlukaniswe ngenani leenyanga kunyaka, okanye 12. Ikhadi lesikweletu elinomhla we-APR we-12% liya kuba ne-periodic rate rate 1%. Ireyithi yekota yekota iza kuba yi-APR eyahlula ngo-4 kuba kukho iinekota ezine ngonyaka ngamnye.
Ukuba umnikeli wakho wekhadi lokuthenga ngetyala usebenzisa i-periodic rate to calculate your charges of money , uza kubona le nqanaba lexesha kwi-statement ye-credit card yakho. Ireyithi yexesha lincinci kwinani elincinane kune-APR, kodwa oko akuthethi ukuba uhlawula inzala encinane. Ireyithi yexesha elimncinci kune-APR kuba amaxesha amancinane kunomnyaka omnye. Amanani alinganayo.
Ixesha lemihla ngemihla elichazwe
Abaninzi bamakhredithi bekhadi lokuthenga ngetyala babala iindleko zezemali ezisekelwe kubhalansi bemihla ngemihla yamakhadi.
Inani lexesha lemihla ngemihla, ngamanye amaxesha libizwa ngokuba lizinga lemihla ngemihla, luhlobo lwexesha lexesha elibhekiselwe kwi-balance balance yakho okanye ibhalansi yemali yansuku zonke ukubala imali yakho yekhadi yemali yekhredithi, ngokuxhomekeka kwendlela yokukhishwa kwekhadi lakho lesikweletu ekusebenziseni ukubala kweemali zeekhredithi.
Indlela yokubala i-Daily Périodic Rate
Ukubalwa kwamanani akho kwimihla ngemihla i-APR ihlukaniswe inani leentsuku ngonyaka (okanye nge-360 kunye nabanikezeli bekhadi ngekhredithi ngokweCFPB).
Ngokomzekelo, ukuba izinga lakho lepesenti lonyaka li-159% kwaye kukho iintsuku ezingama-365 ngonyaka, ixabiso lakho lexesha lemihla liya kuba ngu-0.0043%. Yiyo (.159 / 365) X 100.
Xa i-Daily Rate isetyenziswa
Ukuba umnikeli wakho wekhadi lesikweletu usebenzisa i-balance balance method method to calculate your charge of finance, ibhalansi yakho yekhadi lesikredithi isilinganiswe ngaphezu komjikelezo wokuhlawula, kwaye wanda ngezinga lemihla ngemihla kunye nenani leentsuku kumjikelezo wokuhlawula.
Okanye, ukuba umnikeli wakho wekhadi lokuthenga ngetyala (credit card) usebenzisa i- balance balance method (i-credit card yakho), umthengi wekhadi lokuthenga ngetyala (credit card) uwandisa ibhalansi yemihla ngemihla kwiminikelo yokuhlawula ngezinga lemihla ngemihla yokuhlawulwa kwezemali. Emva koko, iintlawulo zeemali zemihla ngemihla zifikile ukufumana ihlawulwe ngemali yebhajethi.
I-APR iyinto ebalulekileyo
Nangona ireyithi yexesha elilinganayo lisetyenzisiwe ukubala iindleko zakho zezemali, i-APR isona sinani nani elona lifanelekileyo lokusebenzisa ukuthelekisa amakhadi-mboleko. I-APR ikwazisa ukuba ikhadi lekredithi libiza kakhulu kunomnye ukuba ukhetha ukuthatha ibhalansi.