Iko kuwedzera kwekuda kwechidhindo chikwata mabhanji anotengesa kune avo vanonyanya kukoshesa mari. Kuti uwane chikwereti chekubhadhara chikwereti, unofanirwa kuva nechikwata chakanaka chekwereti.
Nhamba yepamusoro yeUnited States ndiyo yehurumende yepamusoro purogiramu yakabudiswa neWall Street Journal, iyo inotarirwa zvichienderana nemitengo yepamusoro kubva kumabhanga makuru ehurumende. Nhamba yepamusoro yeUnited States inowanzosvika 3% yakakwirira kudarika federal money rate uye inowanikwa pawebsite yeWall Street Journal.
Nzira iyo Prime Rate inobata Kwereti Yako Kadhi
Vakawanda vemakadhi emakwereti vanogadzirisa zvikwereti zvavo zvinowanzoenderana nezviyero. A variable mutengo wekuda ndeye inoshandiswa kubva pane imwe chido chekufarira.
Semuenzaniso, APR inodarika kadhi rechikwereti inogona kunge iri mubhadharo wepamusoro pamwe ne13%. Inhara yekutora chikwereti chako chekwereti chikwereti chepamusoro pamusoro wepamusoro purogiramu inozivikanwa se "kupararira." Muenzaniso wedu, "kupararira" ndeye 13%. Kana chikamu chepamusoro chiri 3.25%, iye zvino APR pamutengo wekutengesa kadi iyo ichava 16.25%. Izvozvo zvinoreva kuti chiyero chekutanga chinotarisana, asi kazhinji kacho, kazhinji pamakabhadhara emari iwe unobhadhara pane yako kadhi rechikwereti paunotakura chikero. Izvo zvakakwirira purogiramu yepamusoro, iyo iwe unowedzera kubhadhara kuitira kuti uwane chikwereti chekadhi rechikwereti. Unogona kudzivisa kubhadhara chikwereti chero chipi zvacho nekubhadhara kadhi rako rechikwereti zvakakwana mumwedzi wega wega.
Kana kadhi rako rechikwereti rine chikwereti chechirwere chakasiyana zvichienderana nehuwandu hwehuwandu, chikwereti chako chekwereti chikwata chichatevera mushure wekutanga kwepamu.
Kana chikamu chekutanga chikwira kumusoro, unogona kutarisira kuti kadhi rako rechikwereti chikwata chava kuda kuenda nokukurumidza. Kune rumwe rutivi, kana chikamu chekutanga chichidzika, chikwereti chako chekwereti chikwidziro chinofanira kupera.
Kadhi-kadhi yemabhadhari haafaniri kupa chiziviso chekutanga chechido chekushandura kana iwe une shanduko inowanikwa inowanikwa.
Iwe unogona kutarisa zvingashandurwa kune zvaunofarira mukutora nekuteerera nhau pamusoro pechido chekufarira (chido chekuda kuchinja chinowanzoti musoro wepepanhau) kana kuburikidza kutarisa matanho akabudiswa muWall Street Journal. Nhamba yako yemazuva ano inofarira inodhindwa pane yako kadhi chekwereti. Chengetedza zvinyorwa zvako zvakasimba kuti ubate chero shanduko muhuwandu hwekuda kwekuda nekuda kwehuwandu hwehuwandu hwekuchinja.
Zvakadini kana Prime Rate ichiwedzera?
Apo chikamu chekutanga chinowedzera kuitira kuti chido chako chiwedzere. Kuti kuderedze huwandu hwekuwedzera kwemari dzemari, iwe unogona kubhadhara bhaari yako nokukurumidza. Kushandura chikamu chako kune kadhi rechikwereti rine chidimbu chekutanga che 0% ndeimwe nzira. Pakupedzisira, kana iwe wakachengeta kadhi rako mukumira kwakanaka uye une chikwereti chakanaka, chikwereti chako chekwereti chingave chichida kugadzirisa chikwereti chako chekuda kana iwe uchikumbira zvakanaka.
Ko Kadhi Yako Kwereti Inoshandisa Prime Rate?
Chikamu chechibvumirano chako chekadhi rechikwereti chinonzi "Zvatinoverenga uye Kutarisa Tari" ichakuudza kuti chikwereti chako chekwereti chinokera sei chiyero uye kuti chikwereti chako chekadhi chekwereti chinogadzirisa sei kana chikamu chekwereti chichigadzirisa. Kana kadhi rako rechikwereti chikwata chichibva pane chekutanga, uchaona chikamu chine mutauro wakadai se "APRs ichasiyana nemusika uchitungamirirwa neHeral Rate."