Ababolekisi basebenzise njani uMgangatho weMigangatho yokuSetyenziswa kweMihla ngemihla
Indlela yokulinganisela yemihla ngemihla yenye yeendlela ezintlanu ezahlukeneyo umniki wekhadi lesikweletu angabala iindleko zemali kwikhadi lakho lekhredithi. Iindleko zezezimali yindlela umniki wekhadi lakho lokuthenga ngetyala elihlawula ngayo inzala kwimalance oyithwala ngaphaya kwexesha lobabalo. Ukuba uyazibuza ukuba umniki-khadi wakho wekhadi usebenzisa i-balance balance method method, khangela i-statement ye-credit card yakho.
Indlela yokulinganisela yemilinganiselo yansuku zonke isebenzisa umyinge we-balance yakho ngexesha lomjikelo wokuhlawula owandiswe ngu-APR kuloo mali.
Ubhalansi bakho bemihla ngemihla bubungakanani bemali yakho ngosuku ngalunye lwenkokhelo eyahlula ngenani leentsuku kumjikelezo wokuhlawula.
Nanku ukubalwa kwendlela yokulinganisela imihla ngemihla: ibhalansi yemihla ngemihla * ii-APR * iintsuku kwi-cycle cycle / 365
Ukubala Umlinganiselo Wemihla ngemihla
Ukuba ufuna ukubala iifowuni zakho zeemali, kufuneka ukwazi ukulinganisela kwekhadi lakho lesikweletu ngosuku ngalunye umjikelezo wokuhlawula. Ngelixa isitatimenti sekhadi lakho lesikweletu lingabhalisi ibhalansi yamakhadi yosuku, ungasebenzisa isitatimenti sakho (okanye i-log transaction log) ukuba ufumane ibhalansi. Qala ngebhaleji ekuqaleni komjikelo wokuhlawula. Emva koko, kongeza okanye ukhiphe kwibhalansi ngosuku ngalunye oluthengayo.
Masithi i- APR yakho i-12% kwaye umjikelo wakho wokuhlawula unemihla engama-25 ubude.
Uqale umjikelezo wokuhlawula kunye nokulinganisela kwe-$ 100. Ngosuku lwe-4, wenza imali eyi-100 yokuthenga. Ngomhla we-20, imali yokuhlawulwa kwe-$ 25 yaxelwa kwi-akhawunti yakho.
Ibhalansi yakho yansuku zonke ngosuku ngalunye ngexesha lomjikelo wenkokhelo iya kuba:
Usuku 1 - 3: i-$ 100
Usuku 4 - 20: i-$ 200 (i-100 yokuthenga)
Usuku 20 - 25: i-$ 175 (imali engama-25)
Ukubala ibhalansi yakho yemihla ngemihla kufuneka uhlawule ibhalansi yakho ukususela ngosuku ngalunye kwisigxina sokuhlawula (nangona imini leyo ibhalansi yakho ayitshintshi) kwaye uhlule inani lilonke leentsuku kumjikelezo.
(Usuku 1 Ukulinganisa + Usuku 2 Ukulinganisa + Usuku 3 Ukulinganisa ...) / inani leentsuku kumjikelezo wokuhlawula
I $ 4575/25 = $ 183
Ukubala Umrhumo Wemali Yemihla Yemali Yemihla ngemihla
Ukubala ibhalansi yemihla ngemihla yindawo enzima kakhulu. Ukusuka apho, usanda ngokuphindaphinda nge-APR yakho yekhadi lesikweletu kunye nenani leentsuku kumjikelezo wokuhlawula ukuba ubale ixabiso lezemali.
Ngokusekelwe kwiinkcukacha ezibhaliweyo ngasentla, imali yakho yokuhlawulwa kwezimali usebenzisa indlela yokulinganisela yemali yemihla ngemihla iya kuba:
$ 183 * .12 * 25/365 = $ 1.50
Ukuba uqhubeka uqhuba iintlawulo ezincinci kwaye akukho zindleko ezongezelelweyo kule akhawunti, uza kuhlawula i-$ 18.00 kwiimali zentlawulo kwixesha leminyaka.
Kutheni Kufuneka Ixesha Lokuhlawula Iintlawulo?
Iikhampani zekhadi lesikweletu zithetha inzala yakho ngokwemali yepesenti yonyaka, okanye i-APR, ukwenzela kube lula ukuthelekisa amakhadi athile kunye netyala. Nangona kunjalo, awuhlawulwanga inzala ngonyaka. Uhlawuliswa umdla ngezikhathi ngokusekelwe kumjikelezo wakho wokuhlawula. Kuquka umjikelo wokuhlawula kwi-calculation charge calculation uqinisekisa ukuba uhlawuliswa inzala kuphela kwithuba elithile lexesha.
Ukulinganisela Ngee-APRs ezahlukileyo
Ukuba unokulinganisela kunye nama-APR ahlukeneyo kwikhadi lakho lesikredithi, ukuhlawulwa kweemali zezi baling kubalwa ngokwahlukileyo.
Ngokomzekelo, uya kuba neentlawulo zeemali zokuthenga, enye yokutshintsheliswa kwemali, kunye nenye yeenkqubela zemali xa unayo yonke le mivuzo kwikhadi lakho lesikweletu. Ngoko ke, ukuba ubala iifowuni zakho zeemali, uya kuba nako ukubala ibhalansi yemihla ngemihla ngokuhlukileyo nganye.