Nzira Yokuenzanisa Nhamba Yegore Negore Pakati Chete (APR)

Madziro EPA Anotsanangura Sei Mari Yokubhadhara?

Mutengo wegore wega wega (APR) inotsanangura mari yekukwereta nezvikwereti zvakasiyana-siyana, kusanganisira zvikwereti zvekwereti nemari yekubhadhara mari. Mariko inotorwa seperesenti. Somuenzaniso, kana chikwereti chako chaine APR ye10 muzana, iwe unogona kubhadhara $ 10 pamadhora 100 kuti iwe unokwereta gore negore. Zvimwe zvinhu zvose zvakaenzana, chikwereti neAAP yakadzika inowanzosa mari-asi kazhinji inonyanya kuoma kupfuura izvozvo.

Kunyange zvazvo APR isiri yakakwana, inopa kutanga kwekuenzanisa chikwereti uye mari kubva kune vakweretesi vakasiyana.

Kwete kungofarira: APR yakasiyana nokuti inogona kusanganisira mitero-kuwedzera kumitero inofarira-uye inoshandura mhedzisiro yeavo mari kune mari ye annualized. Izvi zvinokubatsira kuti unzwisise zviri nani mari yekukwereta. Kushandisa APR zvakakodzera, zvinokosha kuti unzwisise kuti inoshanda sei.

Muzviitiko zvakawanda, mutero wako anopa APR, asi iwe unogona kuverenga kuverenga APR iwe pachako (kana iwe ungangoda kuongorora mathemati awo).

Online calculator: Kana iwe uchitsvaga APR yekuverenga pasina kuita masvomhu iwe pachako, shandisa iri paIndaneti APR calculator muGoogle Sheets.

Kukosha kwaMAP

Mari dzinogona kuvhiringidza. Slick vatengesi vanodzokorora nhamba dzakasiyana dzinoreva zvinhu zvakasiyana. Dzinogona kusanganisira zvimwe mari yaunogona kubhadhara, kana kuti inogona kusiya mari iyo mumashambadziro uye mabhurocha.

Maapulo kune maapuro: Kunyange nevatengesi vakatendeseka, zvakakwana, zvinogona kuva zvakaoma kutaura kuti chikwereti chipi chinodhura.

Zviri nani kuwana dhibha rakaderera nemari yakakwirira, kana yezinga rakakwirira nemari shoma? APR inokubatsira (kunyanya kana zvishoma) kuwana maapuro-to-aporo kuenzaniswa kwezvikwereti nebhadharo nokuda kwezvose zvinotarisirwa kubhadhara.

How To Calculate APR

Kuverenga APR kunogona kunyengera, asi pane nzira dzakawanda dzokuzviita:

• Verengai nespredishiti seMicrosoft Excel kana Google Sheets.

• Verengai noruoko.

Chero nzira, iri danho mbiri-nhanho:

1. Gadzirisa kubhadhara kwemwedzi pamwedzi.
2. Verengai mudiro uchishandisa kubhadhara iwe waingoverenga uye "mari yako inowanikwa mari."

Muenzaniso: Iwe unokwereta $ 100,000 pa7% mubereko wekutora uchishandisa makore makumi matatu ekugadzirisa mutengo wekutengesa . Iwe uchabhadhara $ 1 000 pakuvhara mari. Ndeipi APR?

Mhinduro: APR iri mumuenzaniso uyu ndeye 7.10 muzana. Ngatimbokurukurai kuti tingasvika sei pachiyero ichocho.

Une spreadsheet (Microsoft Excel neGoogle Sheets kunyanya), zvakagadzirwa mumabasa zvinowanzoita basa rako. Kuverenga mari yekubhadhara pamwedzi kamwe chete hakusi kwakaoma, asi kugadzirisa kwechiyero kunonyanya kuitwa nekombiyuta kana kuverenga. Kutanga, unofanirwa kuchinja chido chekuda kubva kubva muzana kusvika kuhuwandu huwandu .

Nhanho Yokutanga: Tsvaga mutero wemwedzi wega wekwereti yako:

Basa rakapararira: = PMT (chiyero, nper, pv, fv, rudzi)

• = PMT (0.07 / 12,360,100000)
• 0.07 muzana yakaparadzaniswa ne12 ndiyo muyero. Iwe uri kushandisa purogiramu yemwedzi wega wega kuti uwane mari yepamwedzi.
• Nhamba ye nguva ndeye 360. Ndiyo nhamba yose yekubhadhara kana mwedzi (makore anodarika makumi matatu mumuenzaniso uyu).
• Iko kukosha kwekozvino kwechikwereti chako ndeye 100 000, kusanganisira chero mari yakawedzerwa.

Iwe unofanirwa kuva nemugumisiro we $ 665.30.

Nhanho yechipiri: Sarudza muApri:

Purogiramu yepaspiritsi: = RATE (nper, pmt, pv, fv, rudzi, fungidzira)

• = RATE (360, -665.30,99000)
• Zvakare, 360 iyo nhamba yemazuva aunobhadhara pamutero, iyo yakapiwa 12 mari yemwedzi pamakore makumi matatu.
• Mari yako ndeye - 665.30. Iyi iyi nhamba isina kunaka, uye inobva kuShato 1 pamusoro.
• Nhasi kukosha kwekwereti yako ndeye $ 99,000. Izvi ndizvo zvakadini iwe uri kukwereta, uye wakatsanangurwa zvakadzama pasi apa.

Iwe unofanirwa kuva nemugumisiro we 0.592 muzana. Ichi ichi chichiri pamwedzi wepamwedzi. Wedzera ne12 kusvika 7.0999 APR.

Nei chikwereti ichi chapera kubva ku $ 100,000 kusvika kune $ 99,000 pamusoro? Tinofanira kuverenga chiyero chechishanu ichi kuburikidza nekugadzirisa chikwereti chechikwereti. Kuti uwane nhamba iyoyo, tanga ne $ 100,000 "chikwereti" uye kubvisa $ 1 000 mumari inotarisirwa kuwana chikwereti ichocho.

Ita kuti APR iri pa Payday Loans

Payday zvikwereti hazvizivikanwi mari . Izvi zvikwereti zvenguva pfupi zvinogona kuonekwa seine zvishoma zvishoma, asi mari inoita kuti zvive nezvinetso. Dzimwe nguva kunyange mhosva dzisingaratidzi dzakaipisisa: Unogona kubhadhara $ 15 kuti uwane mari nokukurumidza mune imwe nguva. Zvisinei, paunotarisa zvinodhura izvi maererano nehuwandu hwepakati pepakati, iwe uchaona kuti kune nzira dziri nani dzokukwereta.

Muenzaniso: Unowana chikwereti chebhadhiro ye $ 500, uye iwe unobhadhara mari ye $ 50. Mari yechikwereti inofanira kubhadharwa mukati memazuva gumi nemana. Ndeipi APR?

Consumer Federation of America inotsanangura kuti kuverenga sei APR pamusana pekubhadhara kwemazuva mashomanana:

1. Gurai mari yekubhadhara mari nemari yemari.
2. Wedzerai chibereko cha 365.
3. Gurai mugumisiro nechirevo chechikwereti.
4. Wedzerai chibereko ne100.

Kugadzirisa muenzaniso uri pamusoro apa:

1. $ 50 inokonzerwa ne $ 500 yakaenzana .01.
2. 0.01 yakawanda ne 365 yakaenzana ne 36.5.
3. 36.5 yakapatsanurwa ne14 yakaenzana 2.6071 (iyi ndiyo APR yako mumutambo wemutambo).
4. 2.6071 yakawedzera ne100 yakaenzana 260.71% APR.

Finer Points

Nekadhi rechikwereti , APR inokuudza kuti chii chaunotora chikwereti chaunotora, asi hachirevi migumisiro yekugadzirisa , saka iwe unenge uchida kugara uchibhadhara kupfuura iyo yakapambwa APR. Kana iwe ukangoita zviduku (kana zvishoma) zvikwereti pane kadhi rako rechikwereti, iwe unobhadhara chikwereti kwete chete pamari yawakakwereta, asi iwe uchabhadharawo kufarira kune chikwereti chakanga chapomerwa kwauri . Izvi zvinokonzera kukanganisa kunoita kuti mari yako yokukwereta yakakwirira kudarika iwe unogona kufunga. Panzvimbo pokutsvaga APR, APY inenge iine tsanangudzo yakanyatsojeka yekuti iwe unoripira zvakadini. Izvi zvinogonawo kutumidzwa semutengo wegore negore.

Uyezve, APR inokweretesa makadhi chete inosanganisira kufarira mari -haiti kubhadhara kune imwe mari yaunobhadhara kune kambani yako yekadhi yemakadhi, naizvozvo unofanira kufungisisa uye kuenzanisa iyo inoshandiswa zvakasiyana. Mari yegore negore, mari yekubhadhara mari, uye mamwe mhosva anogona kuwedzera. Kadhi ine APR inogona kunge iri nani pane dzimwe nguva, zvichienderana nekushandisa kwaunoita kadhi rako. Mukuwedzera, kadhi rako rechikwereti rinogona kunge rakasiyana neAAPs , saka iwe unobhadhara mitero yakasiyana yemhando dzakasiyana dzekutengesa.

Nezvikwereti zvekwereti , APR inomanikidzwa nokuti inosanganisira zvakawanda kupfuura kungofarira zvikwereti zvako. Chero zvinyorwa zvaunowana zvingaita kana kuti hazvingasanganisi kuvhara mari yaunofanira kubhadhara kana zvimwe zvikwereti zvinotarisirwa kuti uwane chikwereti chako (sekuchengetedzwa kwepachena mortgage inshuwarisi ). Vatengesi vane kodzero yokusarudza kana kuti kwete zvimwe zvinhu zvikamu zveAAP kuverenga, saka unotarisa kunyatsoona kana uri kuenzanisa zvikwereti .

Iwe haugoni kungovimba nechikamu cheMAP kuti uongorore chikwereti. Pane kudaro, tarisa pazvinhu zvose zvakabatanidzwa nemari yako yekutora chikwereti kuti uone kana uri kuwana chakanaka. Kana iwe uchienzanisa vatengesi, nyora kuti zvipi zvave zvakabatanidzwa mumashoko acho.

Uyezve, tarisa mufananidzo mukuru. Iwe unofanirwa kuziva kuti uchagara kwenguva yakareba sei chikwereti kuti uite chisarudzo chakanaka. Somuenzaniso, imwe nguva-mhosva uye yepamusoro-mberi mari inogona kukwidza mari yako pakarepo yekukwereta-asi APR yekuverenga ichafunga kuti mhosva idzi dzakapararira kwenguva refu. Somugumisiro, APR inotarisa pasi pamahombekiti akawanda kwenguva refu. Kana iwe uchizobhadhara chikwereti nokukurumidza, APR inotanga kushevedzera kukanganisa kwepamusoro-mberi mari. Kuti uwane hurukuro yakawanda, ona Itai Kuti Mhiko Yakashata Nokuenzanisa APR .

Sezvaunoenzanisa zvikwereti, iwe unogona kunzwa mamwe mazwi, akadai seA variable APR ne 0% APR. Kuti udzidze zvakawanda nezveApri pamhando dzakasiyana dzezvikwereti, ona What APR inonzi?