Kukho amaxesha apho sinokuphambanisa amagama ezemali, hayi ngenjongo, kodwa sicinga ukuba zizigama ezibini ezithetha into enye okanye ezingachazwanga kakuhle (nangona zibaluleke kakhulu). Yiloo nto eyenzekayo kwi-TIN kunye ne-APR.
Ukuba ufuna Ngokwenene uyazi ukuba yintoni i-TIN kunye ne-APRUmahluko phakathi kwezi ngcamango zimbini, kwaye ufunde ukuba kutheni zibaluleke kangaka kwaye kufuneka uzithathele ingqalelo, eli nqaku liza kukunceda ukuba ube nokuqonda okucacileyo.
Yintoni i-TIN
Xa kufikwa ekuqondeni la magama, kuya kufuneka ukhumbule ukuba sithetha ngeekhonsepthi ezimbini ezisetyenzisiweyo, ngakumbi xa kuxabiswa kunye / okanye kucelwa imali-mboleko. Kungenxa yoko le nto zibaluleke kangaka, kuba uninzi luthanda ukubhideka, okanye zingaziniki ukubaluleka kwazo. Ke ngoko kuya kufuneka uyazi kakuhle ukuba ikota nganye ibhekisa phi.
Kule meko, i-TIN yi ii-akhronimi ezibandakanya iNqanaba loMdla weNzala. Ngamazwi eBhanki yaseSpain, i-TIN icacisiwe njenge "Xa ixesha elibonwe kwangaphambili lokubala kunye nokuhlawulwa kwenzala kungqamana nefomathi yokubonisa inqanaba lenzala, kusetyenziswa inzala nje ngegama".
Nangona kunjalo, le nkcazo ayichazi kakuhle ukuba eli gama libhekisa phi. Ukuze uqonde, I-TIN yimali umntu akushiya eyinxalenye yenkunzi yakhe okwethutyana aya kukucela "ngaphezulu." Umzekelo, kwimeko yebhanki, iya kuba ngumdla oya kukubeka kuwo ukuze uboleke imali kwaye kuya kufuneka ubuye nayo yonke imali ekubolekise ngayo.
Le nto ihlala inento yokwenza nexesha elithile (ukuba alichazwanga, ixesha lexesha lonyaka). Ngokwesiqhelo, yipesenti eqingqiweyo ekuvunyelwene ngayo ukuba ngubani oza kuboleka imali, ngendlela yokuba uyazi ukuba, ukuba ucela i-100 euros, kuya kufuneka ubuyise i-100 + i-TIN (enokuba yi-5 Iiyure, 2, 18…).
Uyibala njani i-TIN
Ukubala i-TIN kulula kwaye akubandakanyi naziphi na iingxaki. Ke ngoko, siyicacisa ngomzekelo. Khawufane ucinge ukuba uza kucela i-euro ezingama-100 (ukuyibeka lula) kwaye ibhanki ikuxelela ukuba, ngenxa yeso sizathu, iya kukuhlawulisa i-25% ye-TIN (ngaphandle kokuchaza ixesha). Oku kuthetha ukuba i-25% iya kuba ngonyaka. Oko kukuthi, kuya kufuneka ubuyise i-100 + 25%, eya kuthi ibe yi-125 euro.
Nangona kunjalo, ngenyanga awuyi kuhlawula izinto ezihambelana nawe (i-8,33 euro) kunye ne-25% ye-TIN, kodwa oku kufuneka kwahlulwe kube ziintlawulo zenyanga ezili-12 (unyaka), okushiya unenani le-8,33, i-2,08 euro ( mboleko) + XNUMX (TIN).
Ngokwenyani, iibhanki zibala i-TIN ngefomyula, ukuze kamva ziyibeke kwiimveliso abazinikelayo. Yi le:
I-TIN = i-Euribor + umahluko (le yona isetyenziswe yibhanki). Le yeyona nto izakukhokelela "kwiindleko ezisebenzayo zemveliso", oko kukuthi, kufuneka ubeke "eyongezelelweyo" ngaphandle kwento oyicelayo.
Yintoni iAPR
I-APR yeyona nto Ixabiso lokulingana lonyaka, igama "elityebileyo" kakhulu, kuba kubandakanya ezinye iinkcukacha ezininzi (ngaphezulu kwe-TIN). Ngokutsho kweBhanki yaseSpain, inkcazo enikwe kule nkcazo ilandelayo: «I-APR sisalathiso sokuba, ngokwepesenti yonyaka, ityhila indleko okanye ukusebenza ngokukuko kwemveliso yezemali, kuba ibandakanya inzala kunye neentlawulo zebhanki kunye nemirhumo. Ngamanye amagama, yahlukile kwinqanaba lenzala kuba ayibandakanyi inkcitho okanye iikhomishini; kuphela yimbuyekezo efunyanwa ngumnini mali ngokuyinikela okwexeshana.
Ngamanye amagama, i-APR ngenene iindleko ezisebenzayo zemboleko-mali, zibonwe kwipesenti yemali ebolekiweyo. Ukongeza, ayibandakanyi kuphela inzala esetyenzisiweyo, kodwa ikwikota, iikhomishini kunye nenkcitho evela kuloo mali-mboleko. Kungenxa yoko le nto exelelwa ukuba anike ulwazi malunga nayo.
I-APR ikhona kwiimveliso zokonga kunye neemveliso zemboleko, kwaye kuzo zombini yenza into efanayo, oko kukuthi, ayibandakanyi kuphela inzala, kodwa ikwakhomishini kunye nenkcitho enxulumene nomsebenzi oza kwenziwa.
Ibalwa njani iAPR
Ngokumalunga nefomula yemathematics ukubala i-APR, oku kunzima ngakumbi kune-TIN. Kodwa ukuba ufuna ukuzama, nantsi siyishiya:
APR = (1 + r / f)f-1
Kule fomyula, i-r iya kuba ngumyinge wenzala (kodwa uchazwe ngokwemeko enye), ngelixa u-f (ixesha), ukuba lonyaka, ngekota, ngenyanga ...
Yintoni umahluko phakathi kwe-TIN ne-APR
Ngoku ukuba ucace gca malunga namaqondo, usenokuba uyazibuza ngomahluko phakathi kwezi zimbini, ukusukela ngoku, uyazi ngoku ukuba i-TIN ligama elinika idatha encinci kune-APR.
I-Bhanki yase-Spain inyanzele amaziko ukuba, ukusukela ngo-1990, onke amaziko ezezimali kuye kwafuneka apapashe i-APR kwimveliso yabo ayisebenzisayo, ukulungiselela ukubonelela ngalo lonke ulwazi umntu ekufuneka eluthathile ingqalelo ngaphambi kokuthatha isigqibo.
Kodwa, ngaba kukho umahluko omkhulu phakathi kwe-TIN ne-APR? Masibone:
Indlela yokubala
Njengoko ubona, indlela yokubala i-TIN kunye ne-APR zahluke ngokupheleleyo. Ayisiyiyo kuphela ifomula yemathematika enokuba ngaphezulu okanye incinci, kodwa ngenxa yokuba iikhonsepthi ezingakumbi ziboniswa kwi-APR kune-TIN. Ke ngoko, yonke into kufuneka ibonakaliswe ekubaleni koku, ukubonelela ngaxeshanye, idatha ethe kratya (kunye nokunika umbono wehlabathi).
Ulwazi
I-TIN, ngenxa yomxholo wayo «olula», sisalathiso sokwazisa, kuba ayibonisi ubunyani bemveliso yebhanki uqobo. Oku kuchaza kuphela isikhombisi, kodwa ayisiyiyo yonke enye into enefuthe kwisiphumo sokugqibela, njengeendleko kunye neekhomishini, into eyenziwa yi-APR. Yiyo loo nto, xa kufikwa kwiimveliso zebhanki, yeyona nto ibaluleke kakhulu kuthi.