Vakawanda vanokwereta vanoziva nezvegore rega rega rega , kana APR, nokuda kwekadhi rechikwereti kana chikwereti. Ichi chiyero chinomiririra mutengo wegore negore wokubhadhara mari uye ndiyo nzira iyo kadhi rechikwereti inofanirwa kuzarura mutengo wemari yekwereti . Zvisinei, vazhinji vane kadhi rechikwereti vanoverenga uye vanobhadhara chikwereti pane dzimwe nguva, semuzuva nezuva, mwedzi mumwe nomumwe, kana dzimwe nguva kunyange gore roga roga, zvinyorwa zvekubhadhara zvinogona kunge zvine nguva dzenguva.
Periodic Rate
A periodic rate iyo APR inoratidza nguva (shorter) yenguva. Iwe unogona kuverenga purodidic rate kuburikidza nekuparadzanisa APR neenhamba yekubhadhara nguva mugore. Semuenzaniso, mwedzi wepamwedzi periodic rate inorongwa zvichibva pana APR yakaparadzaniswa nenhamba yemwedzi mugore, kana kuti 12. Kadhi rechikwereti rine APR ye12% inogona kuita mwedzi wepamwedzi purogiramu ye1%. Chikamu chechina cheperiodic chichange chiri APR yakaparadzaniswa ne4 nokuti kune zvigaro mana mugore roga rega.
Kana kadhi yako yekwereti yekwereti inoshandisa purodidic muyero kuti uverenge zvikwereti zvemari yako , uchaona iyi nguva purogiramu yako chekutora chikwereti chekutengesa kadhi rechikwereti. Iyo purodidi yezinga inhamba duku kudarika APR, asi izvozvo hazvirevi kuti uri kubhadhara chikwereti chiduku. Iyo purodidi yezinga inokosha kudarika APR nokuti nguva yacho iduku kudarika gore rimwe chete. Izvo zviyero zvakaenzana.
Zuva rePeriodic Rate Rinotsanangurwa
Vakawanda vane kadhi rechikwereti vanotora mari vanoverengera mari yemari inotarisana nemari yekadhi yezuva nezuva.
Nhamba yezuva rimwe nerimwe, dzimwe nguva inonzi chiyero chezuva nezuva, inoratidziro yeperiodic rate iyo inoshandiswa kune chikwereti chenyu chezuva nezuva kana muyero wega wega zuva rose kuverenga yako kadhi rechikwereti chemari yebhadharo, zvichienderana nenzira iyo iwe kadhi yako yekwereti inoshandisa mari yekuverenga mari.
Nzira Yokuverenga Nayo Periodic Rate
Nguva yako yezuva nezuva inhamba yekuverenga ndeye APR yakaparadzaniswa nenhamba yemazuva mugore (kana kuti ne 360 nekadhi kadhi rechikwereti maererano neCFPB).
Semuenzaniso, kana gore rako rega rega yepenteji iri 15.9% uye kune mazuva 365 mugore, nguva yako yezuva nezuva inenge iri 0.0043%. Ndiko (.159 / 365) X 100.
Apo Daily Daily Rate Inoshandiswa
Kana kadhi yako yekwereti yekwereti inoshandisa nzira yekuenzanisa yemari yezuva nezuva yekuverenga mari yako yekubhadhara, chikwereti chako chekadhi rechikwereti chinotarirwa pamusoro pemutengo wose wekubhadhara, zvino kuwedzerwa nehuwandu hwezuva nezuva uye nhamba yemazuva mumutambo wekubhadhara.
Kana, kana kadhi yako yechikwereti inoshandisa nzira yekuenzanisa yezuva nezuva (yako kadhi rechikwereti zuva rega rega harina kuenzaniswa), kadhi rechikwereti chekwereti rinowedzera chikamu chezuva nezuva chezuva rimwe nerimwe mubhadharo yekubhadhara nehuwandu hwezuva nezuva hwebhadharo yezuva nezuva. Zvadaro, zvikwereti zvemari zvezuva nezuva zvakazara kuti zviwane mari yekubhadhara mari yekubhadhara.
APR inonzi Matters
Kunyange zvazvo periodic muyero isiri iyo inoshandiswa kuverenga mhaka dzemari yako, APR ndiyo nhamba yakanakisisa yekushandisa kuenzanisa makadhi emakadhi. APR inokuzivisa iwe kana imwe kadhi rechikwereti inodhura kupfuura imwe kana iwe ukasarudza kutakura chikero.