Iyo APR ndiyo chidimbu cheiyo yakaenzana yegore ratero uye iri izwi rezvemari iro rinoshandiswa nehukuru hukuru kuona huwandu hwezvibereko zvezvinhu zvakasiyana zvemari. Zvese kubva kune izvo zvakagadzirirwa kuchengetedza uye chero mutsetse wechikwereti sezvo zvichizogara zvichiitwa nenzira imwecheteyo. Ndiko kutaura chaiko kwemutengo o zvinobudirira goho pagore rezvigadzirwa zvemari zvisinei neyakareba. Kusvika padanho rekuti kanopfuura kamwechete chiitiko iwe unenge watarisa pamatanho avo kuona kuti zviri nyore here kana kuti kwete zvekuita.
Paunenge uchitsvaga yako wega kiredhiti, temari mutero kana kunyangwe gohwo rezvikamu pamusika wemasheya, iwe uchave wakazvigadzirira wega huwandu hweAPR kana yakaenzana yegore ratero Nekuti chichava chinhu chakakosha kwazvo kumashandisirwo kana mari yekuchengetedza iyo iwe yauchazove nayo mune yakasarudzika chigadzirwa chemari uye izvo zvinowanzo gadziriswa nematare emari. Chinhu chakakosha kwazvo chakavakirwa pane kusavhiringidza icho neTIN nekuti hachisi chinhu chimwe chete. Nekuti iyo TIN ndeye yakamisirwa muzana iyo iyo bhangi inogamuchira yekupa iyo mari, kunyangwe nenyaya yekuti pane imwe nguva kana imwe inogona kuvakanganisa.
Asi iwe unonyatso kuziva kuti APR chii, ndeyei uye inoverengerwa sei? Pazasi isu tinotsanangura chero mibvunzo iwe yaunogona kuva nayo nezve ino yemari term kuitira kuti kubva ikozvino uchigona kusarudza yakanakisa chigadzirwa chemari uyezve iyo iyo inokufarira iwe zvakanyanya nguva dzese. Nekuti iwe unofanirwa zvakare kuziva kuti ichi chakakosha mwero hazvina kufanana nguva dzose uye inosiyana zvichienderana nematanho akasiyana ayo anogona kuita kuti kuverenga kwayo kuve kwakaomarara. Iyo ingangodaro iri dambudziko hombe iro rinobatanidza kunzwisisika kwayo kwakaringana.
APR: inoverengwa sei?
Tinosvika pachikamu chakakodzerana cheicho chiyero chakaenzana chegore. Ndokunge, iwe unosvika sei pakuiverenga uye nekuziva kuti chii chichava chigadzirwa chemari chatiri kuzowana pamberi petafura yedu. Zvakanaka, mune iyi pfungwa, iyo APR inosangana, kuburikidza nesvomhu fomula, chiyero chemubereko chinoshandiswa uye nemazita ekuti mubhadharo unobhadharwa. Kugadzira kufarira ndiko kuri pakupedzisira iwe uchafanirwa gamuchira kana kubhadhara kana uchibata chigadzirwa chemari kana chebhengi.
Chero zvazvingaitika, rinoshandiswa sereferenzi yemari yemutero yekumisikidza dzakasiyana mhando uye mamiriro echikwereti nekushanda kwechikwereti. Kunyanya, apo iri kirasi yezvigadzirwa zvemari inofungisisa nguva dzakasiyana dze kugadzirisa, kushandisa uye kunyangwe makomisheni. Iyi inzira yekuunganidza zvese zvigadzirwa pasi pechimiro chakafanana chemasvomhu uye izvo zvinokutendera iwe kuti uwane huwandu hwechikwereti chauri kubhadhara kana kugamuchira. Kunyangwe paine misiyano pakati pezvinhu zvekuchengetedza uye mari chaiyo.
APR pane zvigadzirwa zvekuchengetedza
Chiyero chakaenzana chegore chinoverengerwa kuona mashandiro ezvigadzirwa zvakasiyana zvekuchengetedza. Pakati peavo vanomiririra maakaundi azvino, madipoziti enguva, manotsi ekuvimbisa kubhengi uye chero ehumwe hunhu hwakafanana. Iyi mwero inoenderana nebhenefiti yekushanda kana kondirakiti uye pachagara paine kusiyanisa kunonzwisisika pakati pevamwe vavo. Mune mamwe mazwi, panguva ino goho pamabhangi rinoiswa pamusoro pemwedzi gumi nemaviri iri 12%, inova APR yakaverengerwa kupa vashandisi veiyi kirasi yezvigadzirwa.
Kune rimwe divi, haugone kukanganwa kuti kuti uverenge nemazvo, iyo kuwanda kwekubhadhara (pamwedzi, pamwedzi, pagore, nezvimwewo). Nekuti zvazviri, chiyero chakaenzana chegore chechigadzirwa chakabvumidzwa nemubhadharo wemwedzi wese hachina kufanana negore. Hazvishamise kuti ichave yakanyatso kusiyaniswa zvichienderana neichi chakakosha accounting account. Kufanana nevamwe vazhinji vaunogona kufungidzira kubva zvino zvichienda mberi. Uku ndiko kunetseka kwazvo, kunyangwe mabhanga anogona kukubatsira iwe kuti uwane marudzi ese erubatsiro mune izvi.
Chigadzirwa chinobatsira
Sezvo zvine musoro kufunga, sezvo APR iri pamusoro, mari yako ichawedzera zvakaenzana nekukwira. Kubva nemaonero aya, chiyero chakaenzana chegore che3% chinogara chiri nani pane chimwe che1%. Ichi chiitiko icho vazhinji vevashandisi vebhengi vari kujekesa pamusoro uye pamusoro pehumwe hunyanzvi hwekufunga pakuita kuverenga kwavo kwekupedzisira. Kune rimwe divi, iine imwe frequency uye muzviitiko zvakawanda iyo kutevedzera neyakajairwa inosiya zvakawanda zvekuda kusvika padanho rekuti mushandisi haana kuziviswa nemazvo nezve mhedzisiro yekupedzisira kwemasvomhu mashandiro.
Kuti usvike padanho rakakosha, iwe unongofanirwa kuwana matatu akakosha data. Iwe unoda kuziva here kuti aya maparamende? Kutanga, mutengo wemari, kozoti iyo mari yaunobhadhara kana yaunowana kuburikidza nekuita kwebhangi uye pakupedzisira huwandu hweiyo muripo wemwedzi. Kana iwe uchinyanya kujeka nezve idzi data, iro basa richava nyore kwauri kuti unzwisise zvakakwana nekuti ndicho chikamu chakaomesesa cheichi chiitiko. Hazvishamise kuti vatengi vazhinji vane mamwe matambudziko kusvika pamari yavo yekupedzisira.
Mumitsara yechikwereti
Chiyero chakaenzana chegore chinoshandawo kune chero rudzi rwekambani yemari, pasina chero rudzi rwezvirambidzo. Ndokunge, muzvikwereti zvega, mari yevatengi kana mortgage loans, Pakati pezvimwe zvakakosha. Sezvo APR inomuka, zvinoreva kuti irikutora iwe imwe mari kuti uzviwanire mari. Kusvika padanho rekutarisa chero APR pamusoro pe20% kana 25% zvakajeka kushungurudza uye kuti chero zvodii iwe haufanire kuhaya. Pakati pezvimwe zvikonzero, nekuti inogona kuwedzera yako chikamu chechikwereti kwemakore mashoma anotevera. Zviri nyore kudaro.
Kubva pane iyi nzira, iyo yakaenzana yegore mwero inogona kunyatsoenzana neicho chiri icho kufarira chaiko yezvigadzirwa zvemari. Ndiyo mari iyo mabhangi anokukumbira iwe nekuda kwekuda chigadzirwa chehunhu uhwu. Beyond iyo mamwe mamiriro anoiswa pauri panguva yekuhaya. Kana iwe uchida kuchengetedza mashoma maeuro, hapana mubvunzo kuti iwe unofanirwa kutsvaga chigadzirwa chine yakaderera APR. Izvo zvakanyanya zvazviri, zvirinani zvichazove zvako zvaunofarira nekuti pakupera kwezuva iwe uchafanirwa kubhadhara mari shoma kune iyo kiredhiti mutsetse wakanyoreswa.
Ruzivo nezve chiyero ichi
Chero nzira, kana iwe ukaona iyo APR yakashambadzirwa mune zvese zvinopihwa zvemogeji zvikwereti, zvemunhu zvikwereti uye zvigadzirwa zvekuchengetedza, imhaka yekuti Bhizinesi reSpain inosungira masangano kuti ataure nezve inoenderana data. Kunyangwe dzimwe nguva vachiedza kuzvivanza pasi peTIN kana nenzira isiri iyo. Kana iwe uine kusahadzika, hauzove nesarudzo kunze kwekutarisa kufarira kwechigadzirwa usati wahaya, nekuti gare gare haugone kuita chero chinhu uye uchafanira kutevedzera zvaunosungirwa semushandisi webhangi.
Kune rimwe divi, iyo yakaenzana yegore mwero kana APR ndiyo yakakwana thermometer pane chaiyo mamiriro ezvinhu emari zvigadzirwa, chero angave ari. Zvinogona kutokubatsira sarudza anonyanya kukwikwidza yezvose uye chengetedza mashoma ma euro mukushanda. Kunyangwe zvakadaro, hazvife zvakagadziriswa, asi zvinopesana, zvinosiana pamusoro pemakore nguva imwe neimwe mitengo yemubereko painovandudzwa. Ichi ndicho chimwe chenguva dzose chinoratidzira chiyero chegore rino. Kunyangwe kusarudza yakatemwa chimbadzo pachinzvimbo pane chinoshanduka chimwe kana zvinopesana.
Inofananidzwa pasi pematemu akafanana
Imwe yemakiyi ekunzwisisa kwayo chaiko kunoenderana nekuenzanisa pazvinhu zvakafanana zvemari iine iwo mazuva ekupedzisira, haambofi ane akasiyana parameter. Ndokunge, hazviite zvine musoro kuti iwe uenzanise zvigadzirwa zvemari nezwi rimwechete nekuti mashandiro haana musoro. Semuenzaniso, ita enzaniso pakati pemutero wemwedzi mitatu uye wemakore maviri mutero. Mune ino kesi, iyo data ichave yakatsauswa zvachose kubva kune ese maonero maonero. Kusvika padanho rekuti hazvikubatsire chero chinhu.
Chimwe chiitiko chekutarisa kubva ikozvino zvichienda mberi ndechekuti mune chero mamiriro ezvinhu iyo yakaenzana yegore rate ingafunge nezve iyo mutero. Chaizvoizvo zvinopesana, izvo pakupedzisira zvinogumisa ndizvo zvakakomba zvido zvechigadzirwa chemari chakasarudzwa. Kunyangwe paunenge uchihaya, iwe haufanire kutarisa chete kuAPR, asiwo kune ese mamiriro echibvumirano uye izvo zvinogona kuve zvakawanda uye zvakasiyana hunhu. Kune rimwe divi, zvakakosha kwazvo kuti uzive kuti izvo zviri kubhadharwa nemabhengi zviri izvo zvido zvezita, ndokuti TIN. Zvichida iyi diki diki ichakubatsira iwe kuti unzwisise chaizvo.
Chekupedzisira, zvinofanirwa kucherechedzwa kuti muyero wakaenzana wegore ndeimwe yehove dzinoshandiswa nemabhangi kunyorera zvigadzirwa zvavo. Kunyangwe paine kumonyaniswa kweicho chiri chokwadi chavo. Chero zvazvingaitika, ndeimwe yemipimo yakakosha mauri yaunofanira kutarisa chero chigadzirwa chemari kana chebhangi. Nekuti inokanganisa mari yako.