Vanokwereta vanoshandisa Average Daily Balance Method
Ivhareji yemari yekuenzanisa zuva rimwe nerimwe nderimwe nzira shanu dzakasiyana-siyana kadhi rechikwereti rinobudisa mari anogona kuverenga mhaka dzemari pane kadhi rako rechikwereti. Mhosva dzemari ndeyekuti kadikiti yako yekwereti inokwereta sei chikwereti pane zviyero iwe unotakura kunze kwenyasha. Kana iwe uri kushamisika kana kadhi yako yekwereti chikwereti inoshandisa nzira yepamusoro yemari yemari yezuva, chengetedza chetatimho yako yekubhadhara kadhi rechikwereti.
Ivhareji yemari yemari yezuva rese inoshandisa kuwandisa kweyero yako panguva yekubhadhara kunowedzera neApri kuti iyo yero.
Wakawandisa zuva rega rega yehuwandu hwehuwandu hwehuwandu hwezuva rako hwebhadhiro yakakamurwa nehuwandu hwemazuva mubhadharo yekubhadhara.
Heanoi kuverenga kwevhareji yemari yekuenzanisa zuva rimwe nerimwe: kuenzanirana kwemazuva ose emari * APR * mazuva mukubhadhara cycle / 365
Kuenzanisa Average Daily Balance
Kana iwe uchida kuverenga yako pfuma yebhadharo, unofanirwa kuziva chikwereti chako chekadhi rechikwereti kwezuva rega rega yekubhadhara. Kunyange zvazvo kadhi yako yekadhi rechikwereti isinganyoroni kubhadhara kadhi rechikwereti zuva rega rega, unogona kushandisa chirevo chako (kana kuti yepainternet transaction log) kuti uone chikamu. Tanga nebhareji pakutanga kwekubhadhara. Zvadaro, kuwedzera kana kubvisa kubva muzeri zuva rega rega uine shanduko itsva.
Ngatiti APR yako ndeye 12% uye kubhadhara kwako ndeye mazuva makumi maviri.
Iwe wakatanga mhirizhonga yekubhadhara neyeri ye $ 100. PaZuva 4, iwe wakaita $ 100 kutenga. PaZuva 20, mutengo we $ 25 wakabhadharwa ku-akhawunti yako.
Chikamu chako chezuva nezuva chezuva rimwe nerimwe panguva yekubhadhara inenge iri:
Zuva 1 - 3: $ 100
Zuva 4 - 20: $ 200 ($ 100 kutenga)
Zuva 20 - 25: $ 175 ($ 25 chikwereti)
Kuti uverenge bhareji yako yezuva nezuva iwe unofanirwa kuisa muganhu wako kubva pazuva rega rega mubhadharo yekubhadhara (kunyange zuva rayo kuti bhaari rako risina kuchinja) uye kugovana huwandu nehuwandu hwemazuva muhutano.
(Zuva 1 Kuenzanisa + Zuva 2 Kuenzanisa + Zuva 3 Kuenzanisa ...) / nhamba yemazuva mukubhadhara
$ 4575/25 = $ 183
Kuenzanisa Average Daily Balance Financial Charge
Kuverenga mavhareji ezuva nezuva ndiyo yakaoma zvikuru. Kubva ipapo, iwe unongowedzera neKAP yako kadhi rechikwereti uye mazuva emazuva ekubhadharisa kubhadhara kuti uverenge mari yemari.
Kubva pane zvinyorwa zvataurwa pamusoro apa, mari yako yekubhadhara uchishandisa nzira yepamusoro yemari yega yega ndiyo yaizoti:
$ 183 * .12 * 25/365 = $ 1.50
Kana iwe uchiramba uchingotora mari shoma uye pasina mimwe mimwe mitero pamusoro pebhuku iyi, iwe unogona kubhadhara $ 18.00 mumatambudziko emari pamusoro pegore.
Sei Kutora Kwekubhadhara Kunokosha?
Makambani emakadhi emakadhi anotaura chido chako chekudarika maererano negore rega rega rega, kana APR, kuitira kuti zvive nyore kuenzanisa zvakasiyana-siyana makadhi emakwereti uye zvikwereti. Zvisinei, iwe haubhadhari chikwereti gore negore. Iwe unokweretwa chikwereti nguva nenguva zvichienderana nekubhadhara kwako. Kusanganisira iyo yekubhadhara mubhadharo mubhadharo yekubhadhara mari inovimbisa kuti uri kukweretwa chikwereti chete panguva iyoyo chaiyo yenguva.
Kuenzanisa Nevamwe APRs
Kana iwe uine zviyero neApris yakasiyana pane yako kadhi rechikwereti, mari yekubhadhara yezviyero izvi inotariswa zvakasiyana.
Semuenzaniso, iwe uchava nemari yemari yekutenga, imwe yekutsinhanisa kutengesa, uye imwe yekufambira mberi kwemari kana uine zviyero izvi zvose pane kadhi rako rechikwereti. Saka, kana uri kuverenga yako pesaimari mari, iwe uchafanirwa kuverenga mavhareji ezuva nezuva zvakasiyana pane imwe neimwe.