Mutemo wako wekubhadhara kadhi rechikwereti uchagara uine mvumo yako yemari (kana iwe uine imwe), saka hakusi kudikanwa kuiverega iwe pachako. Asi, kuziva kuti iwe ungaita sei kuverenga iwe pachako kunogona kuuya mukana kana iwe uchida kuziva kuti ndeupi mari yezvemari inotarisira kune imwe kadhi yemari yekwereti kana iwe unoda kuongorora kuti mari yako yebhadharo yakabhadharwa zvakanaka.
Iwe unogona kuverenga mhaka dzemari chero bedzi iwe uchiziva nhamba nhatu dzakabatana nekadhi yako yekadhi yemakadhi: chikwereti chekwereti (kana kuti chikwereti) chikamu, APR , uye urefu hwekubhadhara .
Kuverenga Mitero Yezvemari Nzira Yakakosha
Nzira yakareruka yekuverenga mari yekubhadhara mari ndeye > kuenzanisa X mutengo wemwedzi . Nokuda kwemuenzaniso uyu, tichati rimwe rega rekubhadhara rinotora mwedzi (saka pane mabhiriji gumi ekubhadhara mugore) uye kuti une $ 500 yemari yekwereti yemari ne 18% APR.
Chokutanga, kuverenga puroodic rate kuburikidza nekuparadzanisa APR neenhamba dzekubhadhara kwemakore mugore, iyo iri 12 muenzaniso wedu. Yeuka kuchinja mapeji kusvika kune decimal. Iyo periodic muyero is > .18 / 12 = 0.015 kana 1.5% . Mwedzi wekubhadhara mari ndeye > 500 X .015 = $ 7.50 .
Kuverenga Mitero Yezvemari Neine Zvishomanana Zvokubhadhara
Uine makadhi akawanda emakadhi, bhadhiro yekubhadhara yakapfupika kupfuura mwedzi, somuenzaniso, 23 kana 25 mazuva. Kana nhamba yemazuva mubhadharo yako yekudhura iri shoma kupfuura mwedzi umwe, kuverenga mari yako yekubhadhara seyakadai: > kuenzanisa X APR X mazuva mukubhadhara cycle / 365 .
Muenzaniso: Kana kubhadhara kwako kwemazuva makumi maviri kwemazuva mazhinji, mari yekubhadharira iyo nguva yekubhadhara ichava > 500 x .018 X 25/365 = $ 6.16 .
Iwe unogona kuona kuti mari yebhadharo yakaderera mumuenzaniso uyu kunyange zvazvo muyero uye chikwata chezvibereko chiri zvakafanana. Ndiko kuti uri kubhadhara chikwereti kwemazuva mashomanana, 25 vs. 31. Mari yose yegore negore yemari yemari yakabhadharwa paakaunti yako yaizoguma yava yakafanana.
Kusiyana kweKodhadhi yeChechi yeMari Yekubhadharwa Kwekubhadhara Maitiro
Mienzaniso yatakaita kare iye zvino ndiyo nzira dzakajeka dzekuverenga mari yako yekubhadhara asi asi zvingave zvisingarevi mari yemari yaunowona padareti yako yekubhadhara.
Izvi ndechokuti mukwereti wako achishandisa imwe yevashanu yekubhadhara mari yekuverengera mazano inofunga nezvekutengeswa kwakaitwa pakadhi rako rekwereti mumutambo wezvino kana wekare wekubhadhara. Verenga mushure memashoko enyu ekamba yemarikiti kuti muone nzira ipi iyo makadhi ako akwereta.
Kugadzirisa kwekugadzirisa uye nzira dzekare dzakarenda zviri nyore kuverenga. Mari yekubhadhara mari inotarirwa zvichienderana neyeri kumucheto kana kutanga kwekubhadhara.
Iyo nzira yakagadziriswa nzira ndiyo zvishoma zvakaoma; zvinotora chikamu pakutanga kwekubhadhara kwekubhadhara uye kubvisa zvikwereti zvawakaita panguva yekufamba.
Nzira yemari yezuva nezuva inoshandisa mari yako yebhadharo zuva rimwe nerimwe romwedzi. Kuti uite izvi kuverenga iwe pachako, unoda kuziva yako chaiyo kadhi rechikwereti zuva rega rega yekubhadhara. Zvadaro, wedzera huwandu hwezuva rimwe nerimwe kubudirira kwezuva nezuva (APR / 365). Wedzera zuva rega rega mari yekubhadhara mari kuti uwane mari yemwedzi yepamutemo.
Kadhi kadikiti vanowanzoshandisa kanyoreji yemari yezuva rose nzira , iyo yakafanana neyero yemari yezuva nezuva. Misiyano ndeyokuti zuva rega rega reyeri rinotarirwa kutanga uye ipapo mari yezvemari inotarirwa pamusana peyero. Kuti uite kuverenga iwe pachako, unofanirwa kuziva chikwereti chako chekadhi rechikwereti pakuguma kwezuva rimwe nerimwe.
Wedzera huwandu hwezuva rimwe nerimwe uye ugoparadzana nehuwandu hwemazuva mubheji yekubhadhara. Zvadaro, wedzera nhamba iyoyo neApri uye mazuva mubhadhiro yekubhadhara. Gurai mugumisiro we 365.
Cherechedza kuti iwe haufaniri kuva nemari yekubhadhara mari kana iwe uine 0% yekutambira kwechikwata chekusimudzira kana iwe wakabhadhara chikamu chisati chaitika nguva dzenyasha .