Nzira yekuenzanisa yezuva nezuva yekuverenga mari yako yekubhadhara inoshandisa bhaari chaiyo pazuva rega rekubhadhara kwako pane nzvimbo yehuwandu hwehuwandu hwako mukati mekubhadhara. Mari yemari yemari inoverengwa nokuenzanisa chikamu chezuva rimwe nerimwe chinowedzera nehuwandu hwezuva nezuva, iyo iri 1 / 365th yako APR.
Yakarongwa neimwe nzira, chiyero chezuva nezuva ndicho APR yako yakaparadzaniswa ne 365.
Daily Balance Financial Charge Example
Heano muenzaniso wekuti mari yekubhadhara mari yaizoverengerwa sei kuburikidza nemari yekuenzanisa zuva nezuva. Kana zviri nyore, muenzaniso uyu unofunga kuti une chikamu chimwechete zuva rega roga yekubhadhara.
- APR = 14%
- zuva rega rega = .0385%
- mazuva ekubhadhara mhiri = 30
- Zero rega rega = $ 1000
- mari yekutengesa = (Zuva 1 muyero * chiyero chezuva nezuva) + ... ((Zuva retareji 30 * chiyero chezuva nezuva)
= ($ 1000 * .000385) + ... + ($ 1000 * .00385)
= $ 11.55
Kubhadhara Kwokubhadhara Kwemari Yako Mari
Nekuenzanisa kwezuva nezuva, nguva yekubhadhara kwako uye zvikwereti zvinokonzera kusiyana kwehuwandu hwemari yako yemari.
Funga nezveM APR imwechete, zuva rezuva, uye mazuva ekubhadharisa bhaji sepamusoro.
Kana iwe ukaita $ 100 kubhadhara musi we5 webhadharo yekubhadhara, mari yako yebhadharo yaizova $ 10.55 . Asi, kana iwe ukaita $ 100 kubhadhara pazuva rechi25 rekubhadhara, bhadharo yako yemari yaizova $ 11.32.
Kuita mubhadharo wako mangwanani ekubhadhara kwekubhadhara kunoreva iwe une bhayeri yakaderera kwemazuva mazhinji mubheji yekubhadhara. Zvinokonzera mubhadharo wepamusoro wemari mune izvozvi.
Ngatiti iwe unobhadhara ($ 100) uye mutero ($ 75) panguva imwechete yekubhadhara. Tarisa kuti nguva yenguva imwe neimwe inobata sei mari yako yekubhadhara mari:
- Kubhadhara musi we5, kutora 25, mari yemari = $ 10.69
- Kubhadhara musi we5, kutonga musi wechitanhatu, mari yekubhadhara = $ 11.27
- Kubhadhara musi we25, kutora chikamu chechishanu, mari yekubhadhara = $ 12.11
- Kubhadhara pamakumi maviri nemashanu, kutora 25, mari yebhadharo = $ 11.46
Iwe unoona, uchibhadhara kutanga kwekubhadhara kwekubhadhara uye zvikwereti mushure mekubhadhara mitezo yekubhadhara zvinowanikwa mubhadharo yakaderera yemari apo kadhi rako rechikwereti rinoshandisa nzira yemari yezuva nezuva kuti uverenge mhosva dzemari . Kugadzira zvimhosva kare munguva yekubhadhara uye kubhadhara mushure mekubhadhara zvinokonzera muhomwe yepamusoro yemari.
Kuchengeta nguva yekubhadhara kwako uye zvikwereti zvaizove zvakakosha kana iwe uchida kuderedza chikwereti chaunofambidha pamari yako kadhi rechikwereti. (Zvadaro zvakare, iwe unogona kubvisa mari yemari yekubhadhara nekubhadhara mari yako yakazara mwedzi mumwe nomumwe.)
Kana uchida kuramba uchifamba nemazuva ekubhadhara kwako, iwe unofanirwa kuziva nguva yako yekubhadhara inotanga uye nhamba yemazuva mubheji yekubhadhara. Iwe unogona kuwana ruzivo urwu pane yako kadhi chekadhi rechikwereti.
Yeuka kuti zuva riri mubhadharo yako yekubhadhara ingasafanane nezuva remwedzi wekendaneti. Izvozvo ndezvokuti kushandiswa kwemitambo hakuiti kutanga pazuva rokutanga romwedzi uye nekuti mitsara yekubhadhara inowanzopfupika kupfuura mwedzi umwe.