Yakanamirwa vs. Gore Negore Mazana Matengo

Migumisiro yeChirongwa cheMakondomu

Kune nzira dzakawanda mabhizinesi anoshandisa kuverenga nhamba yezvibereko uye imwe nzira inoshandura huwandu hwekufarira iwe unobhadhara. Kana iwe uchiziva kuverenga zviyero zvezvibereko, iwe unonzwisisa zviri nani chikwereti chako chekwereti nebhangi rako. Mukuwedzera, iwe uchava panzvimbo yakanakisisa yekutaurirana nekutora chikwata chako nebhagheni yako.

Bhengi yebhadhiro inotakura zvikwereti zviviri zvekuda, iyo yakataurwa kana kuti mazita ekuda kwechirwere uye yehuwandu hwechikwata kana yegore yepakati yemari (APR).

Stated Rates

Izvo zvinonzi chidimbu chezvibereko ndezvinoti zvinoreva. Icho chiri nyore chido chekuda kuti bhangi inokupa iwe sechikwereti chechikwereti pane chikwereti. Ichi chikwata chekufarira hachibatsiri chikwata chechidimbu muchikwereti.

Mutengo Wegore Negore

Iko yegore yeperesenti yemari (APR) ndiyo mari chaiye yaunobhadhara kubhadhara mari kana kuti iyo yerendi pamari yaunokweretesa. The APR, iyo yakadanawo kuti inobatsira chikwata, inotora chikamu chechikwata chinowanikwa muakaunti.

Apo bhizinesi rinokutaurira iwe chikwata chekuda, inodzokorora izvo zvinonzi iyo inoshanda yehuwandu hwekufarira, inozivikanwawo segore rega rega puropu (APR). IAAP kana huwandu hwehuwandu hwekufarira kune yakasiyana nedzimwe tsanho yekufarira, zvichibva pamigumisiro yekuwedzera kwechido.

Iko Inhara ipi inonzi Higher?

APR yacho yakakwirira kudarika iyo inonzi chikwata chekutora kunze kwekuti chidimbu chibereko chisingaiti. Kana iwe ukatora chikwereti chechido chakanaka uye uchibhadhara chikwereti chose pamagumo emamwe nguva, ipapo APR uye yakaratidza chiyero zvakafanana.

Zvisinei, kana iwe ukatora chikwereti chechikwereti, somuenzaniso, APR inopfuura yakakwirira kupfuura iyo inonzi chikwata chechibereko.

Nzira Yokuverenga Nayo Kufarira Mutengo Wegore Rimwe

Kana iwe ukwereta $ 1 000 kubva kubhangi kwegore rimwe uye unofanira kubhadhara $ 60 inobvumirana mugore iroro, iwe unofarira chikwata chawakaita 6%.

Heanoi kuverenga:

Mutengo unobatsira paChimwe Chinyorwa Chikwereti = Nharaunda / Nheyo = $ 60 / $ 1000 = 6%

Nhamba yako yepenteji yegore negore kana APR inofanana neyo yakatarwa muzana mumuenzaniso uyu nekuti hapana chidimbu chinowanikwa kufungisisa. Ichi chikwereti chechido chechido.

Munguva iyi, chikwereti ichocho hachina kunaka kana iwe uchichengeta mari kwenguva shoma. Somuenzaniso, kana ukwereta $ 1 000 kubva kubhangi kwemazuva makumi maviri uye chikwereti chechibereko chinoramba chiri pa6%, iyo inoshanda yegore rese inotora yakawanda kwazvo.

Kubudirira mutengo = Inofanirwa / Mutungamiri X Mazuva Egore (360) / Mazuva Okubhadhara Anowanikwa

Kubudirira kweMaripo neChirungu Chisiri Kupfuura Rimwe Gore = $ 60 / $ 1000 X 360/120 = 18%

Iko inoshanda yekutora ndeye 18% sezvo iwe uchingoshandisa chete mari yemazuva 120 pane mazuva 360.

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