Chero yega yekadhi yekwereti inofanira kupa mamwe mashoko nezvekodhi yemari yekwereti nemari. Nemhaka yokuti vose vane kadhi rechikwereti vanodikanwa nomurairo kuti vaudze mashoko akafanana emari, vatengi vanogona kuenzanisa makadhi echikwereti uye vasarudza kadhi rechikwereti rinonyatsokodzera zvavanoda.
Izvo zvinodiwa nekadhi rechikwereti rinozivikanwawo zvinokonzera kuti kadhi rechikwereti ribvumire kupa zvikwikwidziro zvemari. Ichokwadi Mukukwereta Mutemo kunoda chikwereti chekwereti chikwereti kuisa idzi kuziviswa kwekadhi rechikwereti nemakadhi ekukwereta kadhidhiro uye nemakadhi matsva . Hezvino izvo zvaunogona kutarisira kuona mune kuziviswa kwekadhi rechikwereti.
01 APR
- APR yekutenga kana APR nguva dzose. Mamwe mapepa kana APR anokwanisa kunyorwa. APR inobvumirana nayo inobva pachikwata chako chekwereti, chikwereti chemari, uye mari.
- Kukurudzira APRs kunofanira kuverengwa, pamwe chete nemutengo wekutsvaga nguva, uye kuti zvimwe zviito zvichabvisa purogiramu yekurudziro pakarepo.
- Kuenzanisa kutumirwa APR. Mutengo wekutsvaga mutengo unofanirwa kuenzaniswa pamwe chete nemutengo wenguva nguva, uye mushure mekutsvaga kwekutsvaga kutengesa APR. Nemamwe makadhi emakadhi, kubhadhara kutengesa APR uye kutenga APR kunogona kunge yakafanana.
- Mari inotangira APR. Iko APR inotangira mari inowanzopfuura dzimwe APRs.
Mumwe nomumwe APR anozivisa anofanirwa kutaura kana APR ichigadziriswa kana yakasiyana . Kana APR ichiri kushanduka, kuzarura kunofanira kuisa rondedzero yenhamba.
02 Chirairo APR
Chirango APR, icho chinonziwo mutevedzeri APR, ndiyo APR inotanga kushanda kana iwe usina kukwana pamashoko ako kadhi rechikwereti. Kuzarurirwa kunofanirwa kutaurira chirango APR, chii chaunoita kuti utange APR, uye ichareba kwenguva yakareba sei.
03 Nyasha Nguva
Nenguva yenyasha inguva yenguva yaunofanira kubhadhara mari yako yakazara iwe usati wabhadhara chikwereti. Nenguva yenyasha inogona kuonekwa pane kadhi rechikwereti kuziviswa mune chikamu chinonzi "Ungadzivisa sei kubhadhara chikwereti pane kutenga."
Cherechedza kuti nguva dzenyasha dzinowanzoshanda kune zvekutenga, kwete kuenzanisa kuwedzerwa uye mari inofambira mberi. Izvozvo zvinoreva kuti kufarira kunotanga kuwedzera pane izvo zviyero pakarepo. Nenguva yenyasha ingasashanda kana iwe wakanga uine muganhu pakutanga kwekubhadhara.
04 Minimum Financial Charge
Makambani ekadhi rechikwereti anowanzotsanangurira mari shoma yaunobhadhara iwe paunenge wabhadhara chikwereti pane account. Semuenzaniso, mari yako shoma yepamari inogona kuva $ 1.00 kunyange kana yako yakawanikwa mari yebhadharo iri $ 0.75.
05 Yezvemari yeChechi yekuChengetedza
Chikwereti chekudhirochedza chikwereti chinofanira kutaurira kuti mari yako yemari inowanikwa sei. Kadhi kadikiti vanotora mashandisi vanoshandisa nzira dzakawanda kuti vaverengere mari yako yekubhadhara uchishandisa chikwereti chako chekuda uye zvichida yako kutanga kuenzanisa, kuguma kweyero, kuenzanirana kwemajiro ezuva rose, kana kuenzaniswa kwakatarwa. Zvikwereti zvemari zvinogona kana zvisingasanganisi kutenga zvitsva.
Kadhi-kadhi yemakambani haachagoni kubvumirwa kuongorora mitero yemari pamarikero yakatove yakabhadharwa, kureva maitiro maviri ekubhadhara nzira yekuverenga mari yemari.
06 Mari
Kubudiswa kwekadhi yemakadhi kunofanirwa kuine urongwa hwemari inobatanidzwa nekadhi rekwereti. Kunyange zvazvo mari iyi inowirirana nekadhi rechikwereti, dzimwe mari dzinowanzopiwa mari yekwereti dzinosanganisira, asi hazvirevi pamari yegore negore, mari yekubhadhara mari, mari yekubhadhara mari, kutengeserana kwemari kune dzimwe nyika (inonziwo mari yekushandura mari), kutora nguva yekubhadhara, mubhadharo wemari, uye kubhadhara mari yekubhadhara.
Dzimwe mari, sezvinodiwa gore negore, dzakagadzirirwa. Zvimwe zvikwereti, zvakadai semari inotangira mberi kana mari yekutsinhanisa mari, inogona kugadziriswa kana kusiyanisa zvichienderana nechitengo chekutengesa. Semuenzaniso, mari yekufambisa mari inogona kunge iri $ 5 kana 5% kana kufambira mberi, chero ipi zvayo.