Kushandisa APR, haufaniri kunzwisisa mathemhe shure kwayo, asi iwe unogona kugara uchichera uye udzidze kuverenga APR kana uchida mamwe mashoko.
APR Inorevei?
APR inomiririra gore roga roga. Inokuudza kuti zvinorevei kukwereta kwegore rimwe, kusanganisira mari yekutora uye mari inowanikwa yakabhadhara chikwereti. APR ndiyo "mutengo" wechikwereti chinotaurwa maererano neshoko rekuda. Nharaunda dzinobatsira dzinobatsira nokuti chiyero chinogona kushandiswa nemhando ipi zvayo yemadhora.
Kana wangoziva kuti zvinokwereta sei, unogona kuenzanisa zvikwereti uye makadhi emakwereti nokuenzanisa APR.
Muenzaniso: Unokwereta $ 100 pa10 muzana APR. Pamusoro pegore rimwe chete, iwe uchabhadhara $ 10 muzvikwereti nokuti $ 10 ndiyo 10 muzana ye $ 100. Kuti uverenge, wedzera $ 100 ne 0.10 kusvika pa $ 10 ($ 100 x .10 = $ 10). Cherechedza kuti chikamu chacho chinoshandurwa kuva chimiro chemafaira kuti uite kuverenga.
Chaizvoizvo, iwe unogona kunge uchibhadhara mari inopfuura $ 10. Muenzaniso uri pamusoro apa unotora kufarira inowanikwa uye inopomerwa kamwe chete pagore uye hauribhadhara chero mari - izvo zvingasava zvakarurama. Marikiti yemakadhi inowanzopa zvikwereti zvishomanana zuva rimwe nerimwe kana mwedzi mumwe nomumwe (uye kuwedzera iyo mhaka kune chikwereti chako), zvinoreva kuti iwe uchabhadhara zvakanyanya nekuda kwekuwedzera .
Nezvikwereti zvemusha, iwe unowanzobhadhara mari yekuvhara , iyo inowedzera kudirese yezvikwereti zvako.
APR is annualized rate. Mune mamwe mazwi, rinotsanangura kufarira kwauchazobhadhara kana ukwereta kwegore rimwechete. Zvisinei, iwe unogona kutora chikwereti gore rose, kana mari yaunokwereta inogona kuchinja gore rose (sezvaunoita kutenga nekubhadhara pane kadhi rako rechikwereti, somuenzaniso).
Kuti uwane nhamba chaiyo, ungada kuite zvishoma zvemasvomhu.
Kunyange zvakadaro, iwe unogona kazhinji kufunga kuti apasi APR ari nani kupfuura apamusoro APR (pamwe nemitengo yekutengesa kuva chinhu chinokosha).
Nekadhi rechikwereti , iwe unowanzoputsa APR yako kusvika kune rimwe zuva , nokuti chikwereti chinodhadheswa pane rako rega zuva rega rega, uye iyo inotora chikwereti inowedzerwa mubhadharo yako kuitira kuti iwe unogona kubhadhara chido chakanyanya zuva rakatevera.
Kuti uwane chiyero chako chezuva nezuva, tora APR uye ugoiparadzanisa ne 365. Kana APR iri 10 muzana, mutengo wezuva nezuva waizova 0.0274 muzana (0.10 yakagoverwa 365 = .000274). Cherechedza kuti mamwe makadhi echikwereti anoparadzaniswa nemazuva 360 pane mazuva 365.
Ona zvakawanda pamusoro pekuverenga kadhi rechikwereti uye mari nezvipo.
Chii chiri 0% APR?
Kana wakamboona zviziviso zvinopa "teaser" zvinoshandiswa, unogona kushamisika kuti zero muzana APR inorevei. Zero muzana APR inoratidza kuti hapana chido chichakwereti pamari yawakakwereta. Kusava nehanya kwezvikwereti zvinoita kuti zvive (zvakadai) sekunge iwe uchibhadhara zvishoma, nemari yako, uye dzimwe nguva zvinotengeswa se "zvakafanana nemari." Asi iwe uchiri kukwereta mari, uye zvinhu zvinogona kutora nguva yakaipa turn. Kukwereta kwekusununguka kunogona kuve kwakanaka, asi inowanzosara kwenguva refu; zero muzana APR inopa inogadzirirwa kukuita iwe musuo kuitira kuti vateresi vanogona kuguma vachikubhadhara kufarira.
Kwete kwemasikati masikati: Ramba uchifunga kuti zero muzana APR inopa zvinogona kukubatsira kuchengetedza mari kune chido, asi iwe uchiri kukwanisa kubhadhara mamwe mari yekukwereta. Somuenzaniso, kadhi rako rechikwereti rinogona kutengesa mari ye "balance transfer" iwe kuti ubhadhe zviyero pane mamwe makadhi emakadhi. Mari iyo inogona kunge isina kudarika iwe waibhadhara mubereko nekare kare, asi iwe uchiri kubhadhara chimwe chinhu. Saizvozvowo, iwe unogona kubhadhara mari yegore negore kune kadhi rechikwereti, uye iyo mari haisati yasanganiswa muna APR.
Zvinokwanisika kubhadhara zvachose chinhu uye kushandisa zvizere muzana yeZero APR kupa, asi iwe unofanira kushingaira kubvisa izvi. Zvakakosha kubhadhara chikamu chezana chekwereti chako chekubhadhara chikamu chisati chapera uye kutora mari yako yose panguva - kana iwe usingaiti, iwe unogona kubhadhara chikwereti chakanaka kune imwe yakasara.
Chido chakasarudzwa hachisi chakakodzana nevezero yezero. Aya mapurogiramu anowanzotengeswa se "hapana kufarira" zvikwereti, uye zvinonyanyozivikanwa mukati mezororo rezororo. Zvisinei, iwe uchabhadhara chikwereti kana iwe ukakundikana kubhadhara chikwereti chose musati nguva yekudhinda yapera. Neyo zero yezana yezana inopa, iwe uchangotanga kubhadhara chikwereti pane imwe sarari yakasara mushure mekutengeswa kwako kwenguva kunoguma. Nekunyoresa kufarira, iwe uchabhadhara chido chekudzoka pamutengo wepakutora chikwereti sekuti iwe hauna kuita chero mari . Nharaunda inofanirwa kutora haibvumirwi kubudiswa se "0% inofarira."
Chii Chinosiyana APR Inonzi?
Kana APR inoshanduka, inogona kuchinja (kana kuchinja) kwekufamba kwenguva. Nezvikwereti, iwe unonyatsoziva kuti uchabhadhara zvakadini muzvibereko: unoziva kuti uchakwereta zvakadini, iwe uchazotora nguva yakareba sei kuti uibhadharire, uye chii chaunotora chikwereti chinoshandiswa nokuda kwekuda mari. Mari nezviri kuchinja APR dzakasiyana. Inharaunda inofarira inogona kuva yakakwirira kana yakaderera munguva yemberi kupfuura iyo nhasi (pasi inenge yakanaka, asi yakakwirira inowanikwa).
Zvimwe zvinowanikwa-zvikwereti zvikwereti zvine ngozi nokuti unogona kufunga kuti unogona kukwereta zvakapiwa mukana wezuva ranhasi, asi unogona kuguma uchibhadhara zvakawanda pane zvaunotarisira. Kune rumwe rutivi, iwe unowanzowana chikamu chepamusoro chechikwata chekuda kana uchida kutora matambudziko ekushandisa shanduko APR. Mune zvimwe zviitiko, mararamiro akasiyana-siyana ndiwo chete nzira inoshandiswa - inotora kana kuisiya.
Chii chingaita kuti chido chako chinowedzera? Zvimwe zvinonzi APRs zvinowanzosimuka kana chido chekuda muzhinji chichikwira. Mune mamwe mazwi, vanomuka mukunzwira tsitsi nezvikwereti zvezvikwereti pane mari yekuchengetedza uye dzimwe mhando dzezvikwereti. Asi chido chako chekufarira chinogona kuwedzera sechikamu che "chirango" (kana iwe une mararamiro APR kana kwete). Kana iwe ukakundikana kubhadhara kana kutema kusanganisa kusingagoneki kwepasi rose , mazinga ako anogona kukwira zvakanyanya. Iwe unogona kunge usingafaniri kubhadhara mari yakakwirira pamari yako yaive iripo chikwereti, asi iwe ucharasikirwa nekwanisi kukwereta pazinga rezasi mune ramangwana.
Multiple APRs
Kutaura nezvemazinga akakwirira nemazinga akaderera, unogona kubhadhara APR yakasiyana maererano nekukwereta kwako. Ndezvipi izvi zvakasiyana nema APRs?
Funga nezvekuzarura kadhi kadhi rechikwereti: iwe unogona kutumira chikero kune kadhi iroro, uchatenga zvimwe, uye uwane mari inofambira mberi kubva kuATM. Sezvo izvozvo zviri zvakasiyana- siyana zvekutengeserana, izvo zvinogona kunge zvinoreva APRs yakasiyana. Kazhinji iwe uchatora pasi (kukurudzira) APR kuitira kutengesa kutengesa, APR nguva dzose kutenga, uye APR yakakwirira nokuda kwekufambira mberi kwemari. Uyezve, sezvo iwe uchibhadhara, kadhi yako yekubhadhara chikwereti inogona kubhadhara mari kune yakaderera APR yekutanga - saka vanogona kubhadhara chikwereti pamatunhu akakwirira kwenguva yakareba sezvazvinogona.
Usafungidzira iwe unoziva kuti APR yako chii. Tsvaga zvinoitika kana iwe ukaita chero chinhu kunze kwekusvitsa kadhi rako muchitoro.
APR neKutengesa Imari
Kana iri kuuya kumabhadharo emusha, APR yakaoma. Inofanirwa kunge iri maapuro-to-aples nzira yekuenzanisa zvose zvinokweretwa nemari yako: mari yekutora, kuvhara mari, kubhadhara mari yeruzhinji, nemamwe ose mari yaunogona kubhadhara kuti uwane chikwereti chemusha. Sezvo vatengi vakasiyana vanobhadhara mari yakasiyana, APR inogona kukupa nhamba imwe kutarisa pakuenzanisa zvikwereti. Zvisinei, chokwadi ndechekuti vateresi vakasiyana vanobatanidza (kana kusatora) mari yakasiyana kubva kuAAP kuverenga, saka haugoni kungovimba naApri kuti akuudze kuti chikwereti chii chakanakisisa. Kuti uwane mamwe mashoko pamusoro pekuenzanisa mapeji eApri, ona APR Pitfalls .
Chii Chinogadzirisa APR?
Chero iwe unobhadhara APR yakakwirira kana kuti pasi APR inotarisana nezvimwe zvikonzero:
Rudzi rwechikwereti: zvimwe zvikwereti zvinodhura kupfuura vamwe. Mari yekukwereta nemari yezvikwereti zvinowanzouya nemitengo yakaderera nokuti imba inowanikwa sechibvumirano uye vanhu vanowanzotora zvikwereti izvozvo. Marikiti yemakadhi, kune rumwe rutivi, ine zvikwereti zvisina kuchengetedzwa kuitira kuti iwe ubhadharwe zvakawanda nekuda kwekuwedzera kwengozi.
Chikwereti: kukorera kwako nhoroondo chikamu chinokosha chekukweretesa chero kupi zvako. Kana iwe uchigona kuratidza nhoroondo yakasimba yekudzorera zvikwereti panguva (uye naizvozvo iwe une zvikwereti zvikwereti ), iwe uchawana mapoka eApris munenge mhando dzose dzechikwereti.
Ratios: zvakare, zvose zviri pamusoro pengozi. Kana vanokweretesa vachifunga kuti vanogona kudzivisa kurasikirwa nemari, ivo vachapa mapurisa ari pasi. Kumusha nemari yemari, zvakakosha kuva nechikwereti chakakosha kuti chikoshese chiyero (LTV) uye chikwereti chakanaka chekuwana mari . Zvakanaka zvinoratidzira zvinoratidza kuti hausi kukuvadza kupfuura zvaunogona kutsva uye kuti uyo anokweretesa anogona kutengesa zvigaro uye achifamba nenzira yakanaka kana zvichidiwa.