Mari Yekubhadharwa Kwemari Nokushandisa Mari Yako Yekare
Kadhi kadikiti vanobudisa mari vanogona kuverenga mhosva yemari, vachishandisa imwe nzira dzakasiyana-siyana. Chimwe chazvo chiri iyo nzira yekare yemari.
Chii chinonzi Previous Balance Method?
Nzira yekare yekuenzanisa yekuverenga mari yako yekubhadhara inoshandisa chikero pakutanga kwekubhadhara kwekubhadhara kuti uverenge mari yako yebhadharo yebhadhiro yekubhadhara. Izvozvo zvinoreva kuti hapana chimwe chebasa rinoitika neakaunti yako panguva iyoyo iyo yekubhadhara zvinoshandiswa zvinosanganisa mari yako yekubhadhara mari.
Chinhu chakanaka pamusoro pemari yekare yekuti mari iyo inopihwa ku account yako yakaitwa munguva yekubhadhara inenge isingatungamiri kune mari yakakwirira yepamari. Izvo zvakaderera ndezvokuti kubhadhara munguva yekubhadhara mhirizhonga zvakare hazvizogadziri mari yako yekubhadhara mari.
Kana kadhi yako yekwereti yekwereti inoshandisa nzira yekare yemari yekuverenga mari yako yekubhadhara, chengetedza mupfungwa kuti bhaari yako inotakura kune rimwe rinotevera rekubhadhara, naizvozvo izvo zvaunoita mwedzi uno zvinokanganisa mari yako yemari pamwedzi unotevera.
Nzira yekare yemari inogona kunge inodhura kupfuura mamwe marudzi emari yekubhadhara nzira dzokuverenga. Kana kadhi yako yechikwereti inoshandisa nzira iyi, unogona kuderedza mari yaunobhadhara mumitambo yezvemari mwedzi mumwe nomumwe nekubhadhara kupfuura iwe unotenga mumwedzi.
Previous Balance Method Financial Charge
Heino muenzaniso wemari yekubhadhara mari inotaridzirwa kushandisa nzira yekare yemari.
APR = 14%
Periodic rate = 1.17%
Mazuva ekubhadhara mhepo = 30
Kutanga kuenzanisa = $ 1000
Mutero 16th day = $ 100
Chengeta 20th day = $ 50
Kupera kukwana = $ 950
Mari yebhadharo = Bharari yakatangira * purogiramu yenguva
= $ 1000 * .0117
= $ 11.70
Kuenzaniswa neAverage Daily Balance Method
Vakawanda vane kadhi rechikwereti vanoshandisa shanduro yepamusoro yepamusoro yemari nzira yekuverenga mari yemhosva. Nenzira iyi, kadhi rechikwereti rinokwana nhamba yako zuva rega rega yekubhadhara, saka inotarisa chiyero chechiyero ichocho. Kana kadhi yako yekwereti yekwereti inoshandisa nzira yepamusoro yemari yemazuva ose, mari yako yekubhadhara ine zvimwechetezvo sezviri kuratidzwa pamusoro apa zvingangove zvishoma pasi pe $ 11.40, zvichifunga kuti iwe wakatora mari nekutenga musi iwoyo wekubhadhara.
Ndedzipi nzira yako yako yeKadhidhi Kushandisa Kushandisa
Iwe unogona kuwana nzira yako yekwereti yekwereti yekubhadhara mitero yemari nekuverenga chibvumirano chako chekadhi rechikwereti kana kumashure kwekutumira kadhi rako rechikwereti. Tsvaga chikamu chinonzi "Maitiro Atinoita Sei Mari Yenyu Yekutengesa." Taura nekwereti yako kadhi rechikwereti kana uchiri nemibvunzo pamusoro pemari yako yemari.
Iwe unogona kudzivisa mhaka dzemari pasinei nokuti ndeipi nzira yako yako kadhi yemukwereti anoshandisa nekubhadhara mari yako yakazara mwedzi mumwe nomumwe.