Iko yegore yeperesenti yehuwandu, kana APR, ndiyo inhara yekutambira inopomerwa pamari yakakweretwa. Inoratidza mari yegore negore yekukwereta mari. Mukaiyo inoita kuti zvive nyore kuenzanisa mari yezvikwereti uye makadhi emakwereti nokuti unogona kuona nyore kuti chikwereti chipi nechipi / kadhi rechikwereti chaizodhura nekuenzanisa nemari. Semuenzaniso, chikwereti ne 10% inotora chikwata chinodhura zvishoma kudarika chikwereti ne 15% mubereko wekutora (kutora zvimwe zvinhu zvakaenzana).
VaMupar Vokutanga Vachiti Va APR
Kune zvikamu zvakasiyana-siyana zveApris. Zita rokuti APR ndiro chido chekufarira icho chakataurwa pachikwereti. Iko inobatsira APR inosanganisira mari yave yakawedzerwa kune yako. Muchirongwa weKAP pane kadhi rechikwereti kana chikwereti chinogona kunge chakakwirira kudarika zita raApri kubva muApri rakabudirira rinosanganisira chero mari inoshandiswa.
Paunenge uchienzanisa APRs pakati pezvikwereti zvezvikwereti, iva nechokwadi kuti uri kuenzanisa mhando dzakafanana dzezvibereko zvekuda.
Rakagadzirirwa APR vs. Rakasiyana APR
An APR anogona kugadziriswa kana kushanduka. Rimwe rakagadzirirwa APR rinoramba richifananidzwa mukati mehupenyu hwechikwereti. Zvisinei, munyaya yemakadhi echikwereti, APR yakasarudzwa inogona kuchinja kana kadhi yemupaiti akakuratidza iwe mazuva makumi maviri makumi maviri nemaviri zvisati zvaitika kuwedzera kwekura. A variable vari APR anogona kuchinja pasina chiziviso uye yakavakirwa pane imwe chiyero chekufarira, kufanana nehuwandu hwehuwandu . Chikwereti chekwereti chido chinogonawo kuchinja sechirango chekubhadhara mari, sezvinotsanangurwa muchibvumirano chako chekadhi rechikwereti.
Credit Card APRs
Kadhi rechikwereti rinogona kuva neAAPs dzinoverengeka pamhando imwe neimwe yekuenzanisa. Imwe yekutenga, imwe yekuenzanisa kutengesa, uye imwe yekufambira mberi kwemari . Apo APR inotengesa mari inowedzera kuva yakakwirira kupfuura APR kuti atenge uye kutengesa kuwedzerwa. Vamwe vane kadhi rechikwereti vanopa mutsara APRs kuti vatenge uye kutengesa kuwedzerwa.
Chiyero chekutanga chinopera kupfuura chechidimbu chechido chekuda uye chinotora kwemwedzi mishomanana yokutanga kadhi rechikwereti.
Zvisizvo kana kuti chirango APR ndiyo iyo yakakwirira yepamusoro APR yakapomerwa nekadhi rechikwereti uye kazhinji inotanga kushanda kana iwe usina kukwana pamashoko ako kadhi rechikwereti. Izvi zvinoitika kana iwe ukaita chikwereti chekurumidza , kupfuura chikwereti chako chekwereti , kana cheko inoshandiswa kubhadhara chikwereti chako chekwereti inodzorerwa.
Kana iwe ukatora APR yakasara, chikwereti chako chekwereti chekwereti chinodiwa kuti uongorore basa rako rebhuku mushure mekunge mwedzi mitanhatu uye kuderedza APR yako kana iwe wakagadzira nguva yako.
What's your APR?
Vatengesi vanofanirwa kuzivisa APR kwauri iwe usati wabvumirana nekadhi rechikwereti kana chikwereti. Nzira iyi iwe unogona kuziviswa nezvekubhadhara mari uye uite chisarudzo chekuti iwe unoda kugamuchira mari iyi.
Kana uripo makadhi emakadhi uye zvikwereti, taura ikozvino ikopi yemutemo wako wekutengesa kuti uwane APR yako. Kungoti kumunhu wako chikwereti kana mutero kunogonawo kusimbisa APR yako kana iwe usingagoni kuwana chero magwaro ane nhamba.
Apo Apo APR yako inonzi Too High
Mari yechikwereti yakakwirira inowedzera chikamu chekubhadhara kwako pamwedzi. Kana iwe uchida mukana wakaderera pane chikwereti chaivepo, iwe uchafanirwa kubvunza kubhadhara chikwereti. Kudhindisa refinancing kunokuita kuti iwe uwane chikwereti chitsva uye, tarisiro, chidimbu chechikwereti.
Chikwereti chako chekwereti chekwereti chinokwanisa kukupa APR yakaderera pasina iwe unofanirwa kuisa kadhi kadhi rechikwereti. Asi, havasi vose vane kadhi rechikwereti vanobvumirana kubvumidza kuderedza chido chekudyara chiripo, kunyanya kana nhoroondo yako isiri mumamiriro akanaka. Kana iwe uchikodzera, iwe unogona kutamisa chikwereti chako kune imwe kadhi rechikwereti neAPA iri nani.
APRs dzakavakirwa, pamwe, pane chikwereti chenhoroondo yako. Kuva nekodzero yakanaka yechikwereti kunogona kukubatsira kuti uwane chikwata chepasi.