Kodi TIN ndi APR ndi chiyani?

Kodi TIN ndi APR ndi chiyani?

Nthawi zina timatha kusokoneza mawu azachuma, osati mwadala, koma kuganiza kuti ndi malingaliro awiri omwe amatanthauza chinthu chomwecho kapena kuti amatanthauziridwa molakwika (ngakhale kukhala ofunikira kwambiri). Izi ndizomwe zimachitika ku TIN ndi APR.

Ngati mukufuna mukudziwa bwino zomwe TIN ndi APR zili, kusiyanasiyana kwa malingaliro awiriwa, ndikuphunzira chifukwa chake kuli kofunika kwambiri ndipo muyenera kuwalingalira, ndiye kuti nkhaniyi ikuthandizani kuti malingalirowo amveke bwino.

Kodi TIN ndi chiyani?

Kodi TIN ndi chiyani?

Zikafika pakumvetsetsa mfundo izi, muyenera kukumbukira kuti tikulankhula za malingaliro awiri omwe amagwiritsidwa ntchito, makamaka pakuyamikira ndi / kapena kupempha ngongole. Ndiye chifukwa chake ali ofunikira kwambiri, chifukwa ambiri amakonda kusokonezeka, kapena kusawapatsa kufunikira kwawo. Chifukwa chake, muyenera kudziwa bwino tanthauzo la nthawi iliyonse.

Poterepa, TIN ndiye zilembo zomwe zimaphatikizapo Chiwerengero cha Chiwongola dzanja. M'mawu a Bank of Spain, TIN imadziwika ngati "Nthawi yomwe ikuwonetseratu kuwerengera ndi kuthetsa chiwongoladzanja ikugwirizana ndi mawonekedwe a chiwongola dzanja, chiwongola dzanja chikugwiritsidwa ntchito".

Komabe, tanthauzo ili silikulongosola bwino tanthauzo la mawuwa. Kuti mumvetse, TIN ndi ndalama zomwe munthu amene amakusiyirani gawo la likulu lawo kwakanthawi amakufunsani "zambiri." Mwachitsanzo, pankhani ya banki, idzakhala chiwongola dzanja chomwe ingakupatseni pakukukongoletsani ndalama ndipo mudzayenera kubweza limodzi ndi ndalama zotsala zomwe yakubwerekeni.

Lingaliro ili nthawi zonse limakhala ndi nthawi (ngati silinafotokozeredwe, ndiye kuti nthawiyo ndi pachaka). Nthawi zambiri, ndi gawo lokhazikika lomwe limagwirizanitsidwa ndi omwe akubwereke ndalamazo, m'njira yoti mudziwe kuti, mukafunsa 100 mayuro, mudzayenera kubwezera 100 + TIN (yomwe itha kukhala 5 mayuro, 2, 18…).

Momwe mungawerengere TIN

Kuwerengera TIN ndi kophweka ndipo sikuphatikizapo mavuto. Chifukwa chake, timakufotokozerani ndi chitsanzo. Ingoganizirani kuti mupempha ma 100 euros (kuti mumveke mosavuta) ndipo banki ikuwuzani kuti, pazifukwa izi, ikulipirani 25% ya TIN (osanenapo nthawi). Izi zikutanthauza kuti 25% izikhala pachaka. Ndiye kuti, mudzayenera kubwezera 100 + 25%, yomwe ingakhale ma euro 125.

Komabe, pamwezi simulipira zomwe zikufanana ndi inu (8,33 euros) kuphatikiza 25% ya TIN, koma izi ziyenera kugawidwa pamalipiro 12 pamwezi (chaka), zomwe zimakusiyirani chiwerengero cha 8,33, 2,08 euros ( ngongole) + XNUMX (TIN).

M'malo mwake, mabanki amawerengera TIN ndi chilinganizo, kuti athe kuziyika kuzinthu zomwe amapereka. Izi ndi:

TIN = kusiyana kwa Euribor + (iyi ndiyomwe imagwiritsidwa ntchito ndi banki). Izi ndizomwe zingabweretse ku "mtengo wogulitsa wa malonda", ndiye kuti, zomwe muyenera kuyika "zowonjezera" kupatula zomwe mwapempha.

Kodi APR

Kodi APR

APR ndiye fayilo ya Mlingo Wofanana Pachaka, liwu "lolemera" kwambiri, chifukwa limaphatikizanso ndi zina zambiri (kuposa TIN). Malinga ndi Bank of Spain, tanthauzo lomwe laperekedwa patsamba lino ndi ili: «APR ndi chisonyezo chakuti, mwa mtundu wa peresenti pachaka, imawulula mtengo wogwira kapena kubweza kwa zinthu zachuma, chifukwa zimaphatikizapo chiwongola dzanja ndi zolipiritsa kubanki ndi zolipiritsa. Mwanjira ina, zimasiyana ndi chiwongola dzanja chifukwa sichiphatikiza ndalama kapena komishoni; chipukuta misozi chokha chomwe mwiniwake wa ndalamazo adalandira chifukwa chopereka kwakanthawi.

Mwanjira ina, APR ilidi mtengo wogwiritsira ngongole, wowonedwa kuchokera peresenti ya likulu lomwe lidabwerekedwa. Kuphatikiza apo, sizimangophatikiza chiwongola dzanja chomwe chimagwiritsidwa ntchito, komanso nthawi, ma komisheni ndi ndalama zomwe zimachokera ku ngongoleyo. Ichi ndichifukwa chake adauzidwa kuti apereke zambiri za izi.

APR ilipo pazinthu zonse zosunga ndi zinthu zobwereketsa, ndipo zonsezo zimachitanso chimodzimodzi, ndiye kuti, sizimangokhala chiwongola dzanja chokha, komanso ma komiti ndi ndalama zomwe zikukhudzana ndi ntchito yomwe ikuyenera kuchitidwa.

Momwe APR imawerengedwera

Ponena za masamu amtundu wa APR, izi ndizovuta kwambiri kuposa TIN. Koma ngati mukufuna kuyesa, tikukusiyirani izi:

APR = (1 + r / f)f-1

Mu njirayi, r idzakhala chiwongola dzanja chokha (koma chimawonetsedwa malinga ndi chimodzi), pomwe f ndimafupipafupi (nthawi), ngati ndi pachaka, pachaka, pamwezi.

Kodi pali kusiyana kotani pakati pa TIN ndi APR

Kodi pali kusiyana kotani pakati pa TIN ndi APR

Tsopano popeza mumamvetsetsa bwino malingalirowo, mwina mungakhale mukuganiza zakusiyana pakati pa ziwirizi, popeza, mpaka pano, mukudziwa kuti TIN ndi nthawi yomwe imapereka chidziwitso chochepa kuposa APR.

Bank of Spain idakakamiza mabungwe omwe, kuyambira 1990, mabungwe onse azachuma amayenera kufalitsa APR muzogulitsa zawo zomwe amagwiritsa ntchito, kuti athe kupereka chidziwitso chonse chomwe munthu ayenera kuganizira asanapange chisankho.

Koma, kodi pali kusiyana kwakukulu pakati pa TIN ndi APR? Tiyeni tiwone:

Njira yowerengera

Monga mukuwonera, njira yowerengera TIN ndi APR ndizosiyana kotheratu. Osati kokha chifukwa cha masamu omwe angakhale ovuta kwambiri, koma chifukwa malingaliro ambiri akuwonetsedwa mu APR kuposa mu TIN. Chifukwa chake, zonse ziyenera kuwonetsedwa pakuwerengera izi, ndikupereka nthawi yomweyo, zambiri (ndikupereka masomphenya apadziko lonse lapansi).

Information

TIN, chifukwa cha lingaliro lake «losavuta», ndiyomwe ili ndi chidziwitso chodziwitsa, kuyambira sizikuwonetsa zenizeni zakubanki komwe. Izi zimangowonetsa chizindikiritso, koma osati china chilichonse chomwe chimakhudza zotsatira zomaliza, monga ndalama ndi ma komisheni, zomwe APR imachita. Chifukwa chake, zikafika pazogulitsa zamabanki, ndiye yomwe imafunikira kwa ife.


Zomwe zili m'nkhaniyi zikutsatira mfundo zathu za malamulo okonzekera. Kuti mufotokoze cholakwika dinani Apa.

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