Kodi APR ndi chiyani ndipo imagwiritsidwa ntchito kuti?

APRAPR ndikutanthauzira kwa mtengo wofanana pachaka ndipo ndi ndalama yomwe imagwiritsidwa ntchito pafupipafupi kwambiri kuti izindikire chiwongola dzanja cha zinthu zosiyanasiyana zachuma. Zonsezi kuchokera kuzomwe zimapangidwira ndalama komanso ngongole iliyonse chifukwa zidzachitikanso chimodzimodzi. Ndiko kufotokoza kwenikweni kwa mtengo o zokolola zabwino pachaka cha malonda azachuma mosasamala nthawi yake. Mpaka kuti kangapo mwakhala mukuyang'ana magawanidwe awo kuti muwone kupepuka kapena ayi kwa ntchitoyi.

Pofunafuna ngongole yangongole, msonkho wamtengo wapatali kapena phindu logawika pamsika wamsika, mudzakhala kuti mwadziyika nokha kuchuluka kwa APR kapena mtengo wofanana pachaka. Chifukwa icho chidzakhala chinthu chofunikira kwambiri pakuwononga kapena kusunga komwe mudzakhale nako pazinthu zosankhidwa zachuma zomwe zimayang'aniridwa ndi mabungwe azandalama. Chofunika kwambiri ndichoti musasokoneze ndi TIN popeza sichinthu chomwecho. Chifukwa TIN ndi gawo lokhazikika lomwe banki imalandila popereka ndalamazo, ngakhale kuti nthawi ina kapena zina zitha kuwasokoneza.

Koma kodi mumadziwa kuti APR ndi chiyani, ndi chiyani ndipo amawerengedwa bwanji? Pansipa tifotokoza mafunso aliwonse omwe mungakhale nawo pazachuma ichi kuti kuyambira pano mutha kusankha ndalama zabwino kwambiri komanso zomwe zimakusangalatsani nthawi zonse. Chifukwa muyenera kudziwa kuti izi ndizofunikira sizofanana nthawi zonse ndipo imasiyanasiyana kutengera magawo osiyanasiyana omwe angapangitse kuwerengera kwake kukhala kovuta. Mwina ndilo vuto lalikulu kwambiri lomwe limaphatikizapo kumvetsetsa kwake.

APR: amawerengedwa bwanji?

kuwerengetsa Timabwera ku gawo loyenera kwambiri pamlingo wofanana pachaka. Ndiye kuti, mumatha bwanji kuwerengera ndikudziwa zomwe zingapezeke patsogolo patebulo pathu. Mwakutero, APR imagwirizanitsa, kudzera mu masamu, chiwongola dzanja chomwe chimagwiritsidwa ntchito komanso momwe chiwongola dzanja chimalipiridwira. Kupanga chidwi ndichomwe pamapeto pake mudzayenera kulandira kapena kulipira mukamachita malonda azachuma kapena kubanki.

Mulimonsemo, imagwiritsidwa ntchito ngati chiwongola dzanja chofotokozera kuti mitundu yonse yazikhalidwe ndi momwe ngongole zibwereke ndi ngongole. Makamaka, pamene gulu lazinthu zachuma limaganizira nthawi zosiyanasiyana za Kukhazikitsa, kuwonongera ndalama komanso ngakhale mabungwe. Imeneyi ndi njira yolumikizira zinthu zonsezi munjira yofanana ya masamu ndipo izi zimakupatsani mwayi wopeza chiwongola dzanja chomwe mudzalipira kapena kulandira. Ngakhale pali kusiyana pakati pazinthu zopulumutsa ndi ndalama zenizeni.

APR pazinthu zosunga

Mtengo wofanana wapachaka amawerengedwa kuti azindikire magwiridwe antchito azosungira zosiyanasiyana. Mwa zina zomwe zimadziwika ndi maakaunti aposachedwa, ndalama zomwe zasungidwa, zolembedwera kubanki ndi zina zonse zomwezi. Mlingowu udzafanana ndi ntchito kapena mgwirizano ndipo zidzakhalapobe kusiyanasiyana koyenera mwa ena a iwo. Mwanjira ina, pakadali pano zokolola m'mabanki zomwe zasungika kwa miyezi 12 ndi 0,12%, yomwe ndi APR yowerengedwa kuti ipatse ogwiritsa ntchito gulu ili.

Kumbali inayi, simungayiwale kuti kuti muwawerengere molondola, pafupipafupi zolipira (pamwezi, pamwezi, chaka chilichonse, ndi zina zambiri). Chifukwa chakuti, mtengo wofanana pachaka wa chinthu chomwe munthu amalandila mwezi uliwonse sichofanana ndi chaka chilichonse. Zosadabwitsa kuti zidzasiyanitsidwa bwino kutengera gawo lofunika lowerengera ndalama. Monga ena ambiri omwe mungaganizire kuyambira pano. Uku ndikovuta kwake kwambiri, ngakhale mabanki atatha kukuthandizani kuti mupeze mitundu yonse yothandizira pankhaniyi.

Kupanga zinthu

zofuna Monga momwe mungaganizire, popeza APR ndiyokwera, ndalama zanu zidzawonjezeka molingana ndi kuchuluka. Kuchokera pamalingaliro awa, kuchuluka kwapachaka kwa 3% kumakhala kopambana nthawi zonse kuposa 1%. Ichi ndichinthu chodziwikiratu kwa ogwiritsa ntchito mabanki ambiri komanso zina mwazinthu zina zamakono kuti apange kuwerengera komaliza. Kumbali inayi, pafupipafupi ndipo nthawi zambiri the kutsatira muyezo zimasiyidwa kwambiri kuti wogwiritsa ntchito asadziwitsidwe molondola pazotsatira zomaliza za ntchitoyi.

Kuti mufike pamlingo wapaderawu, muyenera kungopeza ma data atatu ofunikira. Kodi mukufuna kudziwa magawo awa? Choyamba, mtengo wamtengo, kenako ndalama zomwe mumalipira kapena kulandira kudzera kubanki ndipo pamapeto pake kuchuluka kwa chindapusa pamwezi. Ngati simukudziwa zambiri za izi, ntchitoyi idzakhala yosavuta kuti mumvetse bwino chifukwa ndiye gawo lovuta kwambiri pantchitoyi. N'zosadabwitsa kuti ogula ambiri ali ndi mavuto ena omwe amafikira kumapeto.

M'mizere ya ngongole

Mtengo wofanana wapachaka umagwiranso ntchito ku kampani iliyonse yazachuma, popanda zoletsa zilizonse. Ndiye kuti, pakubweza ngongole, ndalama zogulira kapena ngongole yobwereka, mwa zina mwazofunikira kwambiri. Pamene APR ikukwera, zikutanthauza kuti zikukuwonongerani ndalama zambiri kuti mudzipezere ndalama. Mpaka kukawona APR iliyonse pamwamba pa 20% kapena 25% momveka bwino nkhanza ndi kuti mulimonsemo sizothandiza kuti mupange ganyu. Mwa zina, chifukwa zitha kukulitsa ngongole yanu pazaka zingapo zikubwerazi. Ndi zophweka choncho.

Kuchokera njirayi, muyeso wofanana pachaka ukhoza kulinganizidwa bwino ndi zomwe zili chidwi chenicheni Zazachuma. Ndi ndalama zomwe mabanki angakufunseni ngati mukufuna zinthu zotere. Kupitilira zina zomwe zimaperekedwa kwa inu panthawi yolemba ntchito. Ngati mukufuna kupulumutsa mayuro angapo, palibe kukayika kuti muyenera kuyang'ana chogulitsa ndi APR yotsika. Zowonjezera, zidzakhala zabwino pazokomera zanu chifukwa kumapeto kwa tsiku mudzayenera kulipira ndalama zochepa kuti mulandire ngongole.

Zambiri zamtunduwu

zambiri Mulimonse momwe zingakhalire, ngati muwona APR ikulengezedwa pazopereka zonse zanyumba yanyumba, ngongole zanu komanso zinthu zomwe zasungidwa, ndichifukwa Bank of Spain kumakakamiza mabungwe kuti anene zokhudzana ndi izi. Ngakhale nthawi zina amayesa kubisala pansi pa TIN kapena m'njira yolakwika. Ngati mukukayika, simudzachitanso mwina koma kufunsa chidwi cha malonda musanawalembere, chifukwa pambuyo pake simudzatha kuchita chilichonse ndipo mudzayenera kukwaniritsa udindo wanu wogwiritsa ntchito banki.

Kumbali inayi, muyeso wofanana wapachaka kapena APR ndi thermometer yabwino pamikhalidwe yazachuma, zilizonse zomwe zingakhale. Itha kukuthandizaninso kusankha mpikisano kwambiri mwa zonse ndikusunga mayuro ochepa pantchitoyo. Ngakhale zili choncho, sizidzakonzedwa, koma m'malo mwake, zimasiyana zaka zilizonse chiwongola dzanja chikasinthidwa. Ichi ndi chimodzi mwazomwe zimakhazikika pamlingo wapachaka uno. Ngakhale kusankha chiwongola dzanja chokhazikika m'malo mosinthasintha kapena mosemphanitsa.

Poyerekeza ndi mawu omwewo

Chimodzi mwazifungulo pakumvetsetsa kwake koyenera ndichopanga kufananiza ndi zomwezi ndi nthawi yomweyi, osakhala ndimagawo osiyanasiyana. Ndiye kuti, sizomveka kuyerekezera zinthu zachuma ndi nthawi yomweyo chifukwa magwiridwe antchito samamveka bwino. Mwachitsanzo, yerekezerani msonkho wa miyezi itatu ndi msonkho wazaka ziwiri. Poterepa, zidziwitso zidzasokonekera kwathunthu pamalingaliro onse. Kufikira pomwe sikungakuthandizeni.

Mbali ina yofunika kuikumbukira kuyambira pano ndikuti mulingo uliwonse mulingo wofanana wa pachaka sudzaganizira za msonkho. Mosiyana ndi izi, zomwe zimatsimikizika pamapeto pake ndizopindulitsa za ndalama zomwe mwasankha. Ngakhale mukamalemba ntchito, simuyenera kuyang'ana APR yokha, komanso pazikhalidwe zonse za mgwirizano ndipo zitha kukhala zambiri komanso zosiyana. Mbali inayi, ndikofunikira kudziwa kuti zomwe banki imakulipirirani ndiye chiwongola dzanja, ndiye kuti, TIN. Mwina zazing'ono izi zingakuthandizeni kuti mumvetsetse bwino.

Pomaliza, ziyenera kudziwika kuti kuchuluka kofananako pachaka ndi imodzi mwazingwe zomwe mabanki amagwiritsa ntchito polembetsa zinthu zawo. Ngakhale kusokonekera kwina kwa zomwe zili zenizeni za iwo. Mulimonsemo, ndi imodzi mwamagawo ofunikira kwambiri omwe muyenera kuyang'ana pazogulitsa zilizonse zachuma kapena kubanki. Chifukwa zimakhudza ndalama zanu.


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