I-APR sisicatshulwa sento elinganayo nenqanaba lonyaka kwaye ligama lezemali elisetyenziswa rhoqo ukubonakalisa inzala yeemveliso ezahlukeneyo zemali. Zombini zisuka kwezo zimiselwe ukugcinwa kunye nawuphi na umgca wekhredithi kuba iya kuhlala isenziwa ngendlela efanayo. Yindlela yokwenene yokubonisa indleko o isivuno esisebenzayo yonyaka yemveliso yezemali nokuba ithini na ixesha layo. Ukuya kwinqanaba lokuba ngaphezulu kwesihlandlo esinye uya kube ujonge umlinganiso wabo ukumisela ukusebenziseka lula okanye hayi.
Xa ujonga imali mboleko yakho, irhafu yekota okanye isivuno kwisahlulo kwimarike yemasheya, ngokuqinisekileyo uya kuzibekela isixa se-APR okanye umyinge olingana nawo wonyaka. Kuba iya kuba yinto ebaluleke kakhulu kwinkcitho okanye ekongeni oya kuba nayo kwimveliso yezemali ekhethiweyo kwaye ilawulwa ngokubanzi yimibutho yemali. Inxalenye ebaluleke kakhulu isekwe kukungabhidanisi nge-TIN kuba ayisiyonto inye. Kungenxa yokuba i-TIN yipesenti emiselweyo efunyanwa yibhanki ngokwabela imali, ngaphandle kwento yokuba ngamanye amaxesha okanye enye inokubaphazamisa.
Kodwa ngaba uyazi ngokwenene ukuba yintoni i-APR, yenzelwe ntoni kwaye ibalwa njani? Apha ngezantsi siza kuchaza nayiphi na imibuzo onokuthi ubenayo malunga neli xesha lezemali ukuze ukusukela ngoku ukhethe eyona mveliso yezemali kwaye yeyona inomdla kakhulu ngawo onke amaxesha. Kuba kuya kufuneka uyazi ukuba eli nqanaba libalulekileyo ayisoloko ifana kwaye iyahluka ngokuxhomekeka kwiiparameter ezahlukeneyo ezinokwenza ukubala kube nzima ngakumbi. Yeyona ngxaki inkulu ebandakanya ukuqonda kwayo okuchanekileyo.
APR: ibalwa njani?
Siza kweyona ndawo ichaphazelekayo yeyiphi inqanaba elilinganayo lonyaka. Oko kukuthi, ungayifumana njani kwaye uyazi ukuba iyakuba yintoni imveliso yezemali esiza kuyifumana phambi kwetafile yethu. Ewe, kule ngqiqo, i-APR idibanisa, ngokusebenzisa ifomula yemathematika, izinga lenzala elisetyenzisiweyo kunye nemigqaliselo apho inzala ihlawulwa khona. Ukuvelisa inzala yile nto ekugqibeleni kuya kufuneka uyenze fumana okanye uhlawule xa usayina ikhontrakthi kwimveliso yezemali okanye yebhanki.
Ngayiphi na imeko, isetyenziswa njengenqanaba lenzala ekubhekiswa kulo ukumisela iindlela ezahlukeneyo kunye neemeko zemali mboleko kunye nokusebenza kwetyala. Ngokukodwa, xa olu didi lweemveliso zemali lucinga ngamaxesha ahlukeneyo e ukuhlaliswa, inkcitho kunye neekomishini. Yindlela yokudibanisa zonke ezi mveliso phantsi kwendlela efanayo yemathematics kwaye ikuvumela ukuba ufumane inqanaba lenzala oza kuhlawula okanye ufumane. Nangona kukho umahluko phakathi kweemveliso zokonga kunye nenkxaso mali ngqo.
I-APR kwiimveliso zokonga
Ixabiso elilinganayo lonyaka libalwa ukumisela ukusebenza kweemveliso ezahlukeneyo zokonga. Phakathi kwezo zimeleyo kwiiakhawunti zangoku, iidipozithi zexesha, amanqaku ezithembiso zebhanki kunye nezinye izinto ezifanayo. Eli nqanaba liya kungqinelana noncedo lomsebenzi okanye ikhontrakthi kwaye iya kuhlala ikhona Umahluko onengqondo phakathi kwezinye zazo. Ngamanye amagama, okwangoku isivuno kwiidipozithi zebhanki ngaphezulu kweenyanga ezili-12 zii-0,12%, eyi-APR ebaliselwe ukubonelela abasebenzisi beli klasi leemveliso.
Kwelinye icala, awungekhe ulibale ukuba ukuze ubalwe ngokuchanekileyo, i Ubuninzi beentlawulo (ngenyanga, ngekota, ngonyaka, njl. Kuba, inqanaba elilinganayo lonyaka lemveliso enesivumelwano nentlawulo yenyanga ayifani nonyaka. Ayothusi into yokuba iyakwahlulwa ngokucacileyo ngokusekwe kule nto ibalulekileyo yobalo. Njengabanye abaninzi onokucinga ngabo ukusukela ngoku. Obu bobona bunzima bayo, nangona iibhanki zinokukunceda ufumane zonke iintlobo zoncedo malunga noku.
Inzuzo yemveliso
Njengoko kusengqiqweni ukucinga, njengoko i-APR iphezulu, umvuzo wakho uya kunyuka ngokulinganayo kunye nokunyuka. Ukusuka kolu luvo, umyinge olinganayo we-3% uhlala ungcono kunenye ye-1%. Lo ngumcimbi ocacileyo kuninzi lwabasebenzisi beebhanki kwaye ngaphezulu kwezinye izinto zobuchwephesha ukuze benze ukubala kwabo kokugqibela. Kwelinye icala, ngamaxesha athile kwaye kwiimeko ezininzi ukuthotyelwa komgangatho ishiya okunqwenelekayo kwinqanaba lokuba umsebenzisi angaxelelwanga ngokuchanekileyo ngesiphumo sokugqibela salo msebenzi wemathematika.
Ukufikelela kweli nqanaba likhethekileyo, ufuna kuphela ukufikelela kwiidatha ezintathu ezisisiseko. Ngaba uyafuna ukwazi ukuba zeziphi ezi paramitha? Okokuqala, ixabiso lemali, emva koko imali oyihlawulayo okanye oyifumanayo ngokusebenza kwebhanki kwaye ekugqibeleni isixa semali umrhumo wenyanga. Ukuba ucacile okanye ucacile malunga nale datha, umsebenzi uya kuba lula kuwe ukuba uqonde ngokugqibeleleyo kuba lelona candelo linzima kule nkqubo. Akumangalisi ukuba abathengi abaninzi baneengxaki ezithile ukufikelela kwisixa sabo sokugqibela.
Kwimigca yetyala
Ixabiso elilinganayo lonyaka liyasebenza nakulo naluphi na uhlobo lwenkampani yezemali, ngaphandle kwalo naluphi na uthintelo. Oko kukuthi, kwimali mboleko yakho, imali yabathengi okanye mboleko mboleko, phakathi kwezinye zezona zibalulekileyo. Njengoko i-APR inyuka, oko kuthetha ukuba kuyabiza imali eninzi ukuzixhasa. Ukuya kwinqanaba lokujonga nayiphi na i-APR ngaphezulu kwe-20% okanye i-25% ngokucacileyo gadalala kwaye nangayiphi na imeko akululanga ukuba uqeshe. Phakathi kwezinye izizathu, kuba inokunyusa inqanaba lakho letyala kule minyaka imbalwa izayo. Yinto elula nje leyo.
Ukusuka kule ndlela, inqanaba lonyaka elilinganayo linokulingana ngokuchanekileyo kunye neyona nto umdla wokwenene Iimveliso zezemali. Yimali eya kuthi ibuzwe ziibhanki ngokufuna imveliso yezi mpawu. Ngaphaya kweminye imiqathango ebekwe kuwe ngexesha lokuqesha. Ukuba ufuna ukugcina i-euro ezimbalwa, akukho mathandabuzo ukuba kuya kufuneka ujonge imveliso ene-APR esezantsi. Okukhona ikukuhle, kokukhona kuya kuba bhetele kwiminqweno yakho kuba ukuphela kosuku kuyakufuneka uhlawule imali encinci kulayini obhalisiweyo.
Ulwazi malunga neli nqanaba
Nokuba yeyiphi na indlela, ukuba ubona i-APR ipapashwa kuzo zonke izibonelelo zemali mboleko yokubolekwa kwemali mboleko, imali mboleko yomntu kunye neemveliso zokonga, kungenxa yokuba iBhanki yaseSpain kunyanzela amaziko ukuba anike ingxelo malunga nale datha efanelekileyo. Nangona ngamanye amaxesha bezama ukuyifihla phantsi kwe-TIN okanye ngendlela engalunganga. Ukuba unawo nawaphi na amathandabuzo, awuzukukhetha ngaphandle kokuthetha nomdla wemveliso ngaphambi kokuyiqesha, kuba kamva awuyi kuba nakho ukwenza nantoni na kwaye kuya kufuneka uthobele uxanduva lwakho njengomsebenzisi webhanki.
Kwelinye icala, inqanaba elilinganayo lonyaka okanye i-APR yithemometha efanelekileyo kwimeko yokwenyani yemveliso yezemali, nokuba yeyiphi na. Inokukunceda nawe khetha olona khuphiswano yazo zonke kwaye ugcine ii-euro ezimbalwa ekusebenzeni. Nangona kunjalo, ngekhe zilungiswe, kodwa ngokuchaseneyo, ziya kwahluka ngokwamaxesha onke amaxabiso enzala ehlaziywa. Le yenye yezinto ezibonakalisa eli nqanaba lonyaka. Nokuba ukhetha iqondo lenzala emiselweyo endaweni yokuguquguquka okanye ngokuchaseneyo.
Xa kuthelekiswa ngokwemigaqo efanayo
Elinye lamaqhosha ekuqondeni ngokuchanekileyo kusekwe ekwenzeni uthelekiso kwimveliso efanayo yemali amaxesha amisiweyo afanayo, soze ineeparameter ezahlukeneyo. Oko kukuthi, akukho ngqiqweni ukuba uthelekise iimveliso zezemali kunye nexesha elifanayo kuba umsebenzi awenzi ngqondo. Umzekelo, yenza uthelekiso phakathi kwerhafu yeenyanga ezi-3 kunye neerhafu zeminyaka emi-2. Kule meko, idatha iya kugqwetha ngokupheleleyo kuzo zonke iindawo zokujonga. Ukuya kwinqanaba lokuba ayizukunceda nganto.
Enye into ekufuneka uyithathele ingqalelo ukusukela ngoku ukuya phambili kukuba akukho meko iya kuthathelwa ingqalelo irhafu. Ngokuchasene noko, eyona nto igqibayo yiminqweno emibi yemveliso yezemali ekhethiweyo. Nangona uyiqesha, akufuneki ujonge iAPR kuphela, kodwa nakuzo zonke iimeko zesivumelwano kwaye zinokuba ninzi kwaye zahlukile. Kwelinye icala, kubaluleke kakhulu ukwazi ukuba eyona nto ihlawulwa yibhanki kukukhathalela igama, oko kukuthi, i-TIN. Mhlawumbi le nkcukacha incinci inokukunceda ukuba uyiqonde ngokuchanekileyo.
Okokugqibela, kufanele ukuba kuqatshelwe ukuba umlinganiso ofanayo wonyaka yenye yeekhonkco ezisetyenziswa ziibhanki ukuze ubhalise iimveliso zazo. Nokuba kukho ukuphazamiseka okuthile okuyinyani kubo. Ngayiphi na imeko, yenye yeeparameter ezibalulekileyo ekufuneka ujonge kuyo nayiphi na imveliso yezemali okanye yebhanki. Kuba ichaphazela imali yakho.