APR shine taƙaitaccen adadin kuɗin shekara ɗaya kuma lokaci ne na kuɗi wanda ake amfani dashi tare da babban mita don gano ƙimar kuɗin samfuran kuɗi daban-daban. Dukansu daga waɗanda aka ƙaddara zuwa tanadi da kowane layi na lamuni tunda koyaushe za'a yi shi ta hanya ɗaya. Wannan shine ainihin bayanin kuɗin o amfanin ƙasa mai amfani shekara-shekara na samfurin kuɗi ba tare da la'akari da lokacinsa ba. Zuwa ga cewa a fiye da lokuta guda ɗaya za ka kalli ƙididdigar su don ƙayyade dacewa ko a'a na aikin.
Lokacin neman lamuni na mutum, harajin lokaci ko ma yawan riba a kasuwar jari, tabbas zaku saita kanku adadin APR ko kwatankwacin shekara shekara. Domin zai zama muhimmiyar mahimmanci ga kashewa ko adanawa da zaku samu a cikin samfurin kuɗin da aka zaɓa kuma waɗanda ƙungiyar kuɗi ke tsara su gaba ɗaya. Wani bangare mai mahimmanci yana dogara ne akan rashin rikita shi tare da TIN tunda ba abu daya bane. Saboda TIN wani kaso ne mai tsayayy wanda banki yake karba domin sanya kudin, duk kuwa da cewa a wani lokaci ko wani abu na iya rikita su.
Amma da gaske kun san menene APR, menene don kuma yaya ake lissafa shi? A ƙasa za mu bayyana duk tambayoyin da za ku iya yi game da wannan lokacin kuɗi don daga yanzu ku iya zaɓar mafi kyawun samfurin kuɗi kuma hakika wanda ya fi dacewa da ku a kowane lokaci. Domin ya kamata kuma ku sani cewa wannan mahimmin ƙimar ba koyaushe yake zama iri ɗaya ba kuma ya banbanta dangane da sigogi daban-daban da zasu iya sanya lissafin sa ya zama mai rikitarwa Wataƙila babbar matsala ce da ta ƙunsa don fahimtarta daidai.
APR: ta yaya ake kirga shi?
Mun zo ga mafi dacewa na abin da yake daidai da shekara shekara. Wato, ta yaya zaku iya lissafa shi kuma ku san abin da zai zama samfurin kuɗin da za mu samu a gaban teburin mu. Da kyau, a wannan ma'anar, APR yana haɗi, ta hanyar lissafin lissafi, ƙimar riba da ake amfani da shi da kuma sharuɗɗan da aka biya riba. Anirƙira sha'awa shine abin da ƙarshe zai kasance karba ko biya lokacin kwangilar harkar kudi ko banki.
A kowane hali, ana amfani dashi azaman ƙididdigar riba don daidaita nau'ikan yanayi daban-daban da yanayin ayyukan lamuni da bashi. Musamman, lokacin da wannan rukunin kayan kasuwancin ke yin la'akari da lokuta daban-daban na sulhu, kashe kudi harma da kwamitocin. Hanya ce ta tattara duk waɗannan samfuran a ƙarƙashin tsarin lissafi iri ɗaya kuma hakan yana ba ku damar samun kuɗin ruwa da za ku biya ko karɓa. Kodayake akwai bambance-bambance tsakanin menene kayayyakin tanadi da kuma samarda kudade kai tsaye.
APR kan kayayyakin tanadi
Ana lasafta ƙimar shekara-shekara daidai don ƙayyade aikin samfuran tanadi daban-daban. Daga cikin waɗanda suka shahara da asusun yanzu, adana lokaci, bayanan tallafi na banki da kowane irin waɗannan halaye iri ɗaya. Wannan adadin zai dace da amfanin aiki ko kwangila kuma koyaushe zai kasance m bambancin tsakanin wasu daga cikinsu. A takaice dai, a halin yanzu yawan amfanin da aka samu a banki a tsawon wa'adin watanni 12 shine 0,12%, wanda aka kirga APR don baiwa masu amfani da wannan rukunin samfuran.
A gefe guda, ba za ku iya mantawa da hakan ba don lissafa su daidai, da yawan biya (kowane wata, kowane wata, shekara, da sauransu). Saboda a sakamakon haka, kwatankwacin adadin shekara-shekara na samfurin da aka ƙulla da biyan wata-wata bai yi daidai da na shekara ba. Ba abin mamaki bane, za'a banbanta shi a fili dangane da wannan mahimmin matakin lissafin. Kamar wasu da yawa waɗanda zaku iya tunanin tun daga yanzu. Wannan shine mafi girman rikitarwa, kodayake bankuna na iya taimaka muku don samun kowane irin taimako game da wannan.
Riba mai amfani
Kamar yadda yake da ma'ana don tunani, yayin da APR ya fi girma, kuɗin ku zai karu daidai gwargwado tare da haɓaka. Daga wannan hangen nesan, kwatankwacin adadin shekara 3% yafi kowane 1% kyau. Wannan wani al'amari ne wanda yake bayyane ga yawancin masu amfani da banki da sama da sauran abubuwan fasaha don yin lissafin su na ƙarshe. A gefe guda, tare da wasu mitar kuma a yawancin lamura da bin ka'ida ya bar abubuwa da yawa da ake so zuwa ma'anar cewa ba a sanar da mai amfani daidai game da sakamakon ƙarshe na wannan aikin ilimin lissafi ba.
Don isa zuwa wannan ƙimar ta musamman, kawai kuna buƙatar samun dama ga mahimman bayanai guda uku. Shin kana son sanin menene waɗannan sigogin? Na farko, farashin kuɗi, sannan adadin da kuka biya ko kuka karɓa ta hanyar aikin banki kuma a ƙarshe adadin na Kwanan wata. Idan kun kasance kaɗan ko clearasa bayyananniya game da waɗannan bayanan, aikin zai zama mafi sauƙi a gare ku ku fahimta saboda shine mafi mawuyacin ɓangaren wannan aikin. Ba abin mamaki bane cewa yawancin masu amfani suna da wasu matsalolin da suka kai adadin su na ƙarshe.
A layin bashi
Matsakaicin kuɗin shekara-shekara yana amfani da kowane nau'in kamfanin kuɗi, ba tare da kowane irin takunkumi ba. Wato, a cikin lamuni na mutum, tallafin mabukaci ko jinginar jinginar gida, a cikin wasu mafi dacewa. Yayin da APR ke tashi, yana nufin cewa yana kashe muku kuɗi da yawa don biyan kuɗin kanku. Zuwa ga yin la'akari da kowane APR sama da 20% ko 25% a bayyane m kuma a kowane hali bai dace da kai ba. Daga cikin wasu dalilai, saboda yana iya ƙara matakin bashinku na fewan shekaru masu zuwa. Yana da sauki.
Daga wannan hanyar, ana iya daidaita ƙimar shekara-shekara daidai da abin da yake ainihin sha'awa na kayayyakin kuɗi. Kuɗi ne bankunan zasu nemi ku don neman samfurin waɗannan halayen. Wuce sauran sharuɗɗan da aka ɗora muku a lokacin daukar aiki. Idan kuna son adana eurosan kuɗi kaɗan, babu shakka yakamata ku nemi samfura mai ƙananan APR. Arin shi ne, mafi kyau zai kasance don bukatunku saboda a ƙarshen ranar za ku biya kuɗi kaɗan don layin kuɗin da aka yi rajista.
Bayani game da wannan adadin
Ko ta yaya, idan ka ga ana tallata APR a cikin duk abubuwan bayar da lamuni na rance, rancen mutum da samfuran tanadi, saboda Bankin Spain ne tilasta ƙungiyoyi su bayar da rahoto game da wannan bayanan mai dacewa. Kodayake wani lokacin suna kokarin yin sata a karkashin TIN ko kuma ta hanyar da bata dace ba. Idan kuna da wata shakka, ba ku da wani zaɓi illa ku nemi maslaha ga samfurin kafin ku ɗauke shi aiki, tunda daga baya ba za ku iya yin komai ba kuma dole ne ku bi ƙa'idodinka a matsayin mai amfani da banki.
A gefe guda, kwatankwacin shekara-shekara ko APR cikakken ma'aunin zafi da sanyio ne akan ainihin yanayin samfuran kuɗi, duk abin da zasu iya. Zai iya taimaka maka zabi mafi gasa duka kuma adana eurosan kuɗi kaɗan a cikin aikin. Kodayake a kowane hali, ba za a taɓa daidaita su ba, amma akasin haka, za su bambanta a tsawon shekaru duk lokacin da aka sabunta ƙimar riba. Wannan shine ɗayan abubuwan da ke haɓaka wannan ƙimar shekara-shekara. Ko da don zaɓar ƙayyadadden ƙimar riba maimakon canji ɗaya ko akasin haka.
Idan aka kwatanta da sharuɗɗa ɗaya
Ofaya daga cikin mabuɗan don fahimtar sa daidai ya dogara da yin kwatankwacin samfurin kuɗi ɗaya tare da kwanakin ƙarshe, ba tare da sigogi daban-daban ba. Wato, ba shi da ma'ana a gare ku idan kuka kwatanta samfuran kuɗi da kalmar lokaci ɗaya saboda aikin ba shi da ma'ana. Misali, yi kwatanci tsakanin harajin watanni 3 da harajin shekara 2. A wannan yanayin, bayanan za a gurbata gaba ɗaya daga duk ra'ayoyi. Zuwa ga cewa ba zai amfane ka ba.
Wani bangare kuma da za'a yi la'akari dashi daga yanzu shine babu yadda za'ayi daidai da adadin shekara yayi la'akari da haraji. Akasin haka, abin da ke ƙayyade yawan buƙata akan samfurin kuɗin da aka zaɓa. Kodayake yayin daukar sa, bai kamata ku kalli APR kawai ba, har ma da duk yanayin kwangilar kuma hakan na iya zama da yawa kuma na yanayi daban-daban. A gefe guda, yana da matukar muhimmanci a san cewa ainihin abin da banki ke biyan ku shi ne riba na ɗan lokaci, wato, TIN. Zai yiwu wannan ɗan bayanin dalla-dalla zai taimake ka ka fahimce shi daidai.
A ƙarshe, ya kamata a lura cewa ƙimar shekara ɗaya tana ɗaya daga cikin ƙugiyoyin da bankuna ke amfani da su don yin rijistar samfuran su. Ko da tare da wasu murdiya na menene gaskiyar su. A cikin kowane hali, ɗayan mahimmin sigogi ne wanda yakamata ku kalli kowane samfurin kuɗi ko banki. Domin hakan yana shafar kudinka.