I-APR yisifinyezo sokuthi yini isilinganiso esilinganayo sonyaka futhi iyigama lezezimali elisetshenziswa ngokuvama okukhulu ukuthola inani lenzalo yemikhiqizo ehlukile yezezimali. Kokubili kusuka kulokho okumiselwe ukulondolozwa kanye nanoma yimuphi umugqa wesikweletu ngoba kuzohlala kwenziwa ngendlela efanayo. Kukuvezwa kwangempela kwezindleko o isivuno esisebenzayo unyaka nonyaka womkhiqizo wezezimali kungakhathalekile isikhathi sawo. Ukufika ezingeni lokuthi esikhathini esingaphezu kwesisodwa uzobe ubheke izilinganiso zabo ukuthola ukuthi kulula yini noma cha ukusebenza.
Lapho ufuna isikweletu somuntu siqu, intela yesikhathi noma isivuno semiklomelo emakethe yamasheya, ngokuqinisekile uzobe usuzibekele inani le-APR noma isilinganiso esilinganayo sonyaka. Ngoba kuzoba yinto ebaluleke kakhulu ekusetshenzisweni kwemali noma ekongeni ozoba nayo kumkhiqizo wezezimali okhethiwe futhi olawulwa yizinhlangano zemali. Isici esibaluleke kakhulu sisuselwa ekungasididanisi ne-TIN ngoba akuyona into efanayo. Ngoba i-TIN iphesenti elinqunyelwe elitholwa yibhange ngokwabela imali, yize noma kwesinye isikhathi noma enye ingabadida.
Kepha uyazi ngempela ukuthi yini i-APR, yenzelwe ini futhi ibalwa kanjani? Ngezansi sizochaza noma yimiphi imibuzo ongaba nayo mayelana nalesi sikhathi sezezimali ukuze kusukela manje kuqhubeke ukhethe umkhiqizo wezezimali ohamba phambili futhi yiwona othanda kakhulu ngaso sonke isikhathi. Ngoba kufanele wazi futhi ukuthi leli zinga elibalulekile akufani njalo futhi iyahluka ngokuya ngamapharamitha ahlukahlukene angenza ukubalwa kwayo kube nzima kakhulu. Mhlawumbe kuyinkinga enkulu kakhulu okubandakanya ukuqonda kwayo okulungile.
I-APR: ibalwa kanjani?
Siza engxenyeni efanelekile yokuthi yini isilinganiso esilinganayo sonyaka. Lokho wukuthi, uthola kanjani ukuyibala futhi wazi ukuthi uzoba yini umkhiqizo wezezimali esizowuthola phambi kwetafula lethu. Yebo, ngalo mqondo, i-APR ixhumanisa, ngokusebenzisa ifomula yezibalo, isilinganiso senzalo esisetshenziswayo kanye nemigomo lapho inzalo ikhokhwa khona. Ukwenza inzalo yikho ekugcineni kuzodingeka ukuthi ukwenze thola noma ukhokhe lapho wenza isivumelwano somkhiqizo wezezimali noma webhange.
Kunoma ikuphi, isetshenziswa njengesilinganiso senzalo eyisithenjwa ukulinganisa izinhlobo ezahlukahlukene nemibandela yokusebenza kwemali mboleko neyesikweletu. Ikakhulu, lapho lesi sigaba semikhiqizo yezezimali sicabanga ngezikhathi ezahlukahlukene ze- ukukhokhelwa, izindleko ngisho namakhomishini. Kuyindlela yokuqoqa yonke le mikhiqizo ngaphansi kwefomula efanayo yezibalo futhi lokho kukuvumela ukuthi uthole inani lenzalo ozoyikhokha noma uyithole. Yize kunomehluko phakathi kwemikhiqizo yokonga nemali eqondile.
I-APR kumikhiqizo yokonga
Izinga elilinganayo lonyaka libalwa ukuthola ukusebenza kwemikhiqizo yokonga ehlukile. Phakathi kwalawo avelela ama-akhawunti amanje, imali yesikhathi, amanothi ezethembiso zasebhange kanye nezinye izici ezifanayo. Leli zinga lizohambisana nenzuzo yokusebenza noma inkontileka futhi lizohlala likhona ukuhluka okunengqondo phakathi kwabanye babo. Ngamanye amagama, okwamanje isivuno semali egcinwe yibhange esikhathini esiyizinyanga eziyi-12 singu-0,12%, okuyi-APR ebalwe ukunikeza abasebenzisi balesi sigaba semikhiqizo.
Ngakolunye uhlangothi, awukwazi ukukhohlwa ukuthi ukuze uzibale kahle, i- imvamisa yokukhokha (njalo ngenyanga, ngekota, ngonyaka, njll.). Ngoba empeleni, isilinganiso esilinganayo sonyaka somkhiqizo onenkontileka nenkokhelo yanyanga zonke awufani nonyaka. Akumangalisi ukuthi izokwehlukaniswa ngokusobala ngokuya ngalesi sici esibalulekile se-accounting. Njengabanye abaningi ongasivele ucabange kusukela manje kuqhubeke. Lokhu yinkimbinkimbi yayo enkulu, yize amabhange angakusiza ukuthi uthole zonke izinhlobo zosizo maqondana nalokhu.
Inzuzo yomkhiqizo
Njengoba kunengqondo ukucabanga, njengoba i-APR iphakeme, umholo wakho uzokhula ngokulingana nokwanda. Ngokwalo mbono, isilinganiso esilinganayo sonyaka esingu-3% sihlale singcono kunesinye se-1%. Lesi yisici esicace bha kubasebenzisi abaningi bamabhange nangaphezulu kokunye ukucatshangelwa kobuchwepheshe ukwenza ukubala kwabo kokugcina. Ngakolunye uhlangothi, ngemvamisa ethile futhi ezimweni eziningi i ukuhambisana nesilinganiso kushiya kungathandeka kuze kube seqophelweni lokuthi umsebenzisi angaziswa kahle ngemiphumela yokugcina yalokhu kusebenza kwezibalo.
Ukuze ufinyelele kuleli zinga elikhethekile, udinga ukufinyelela kuphela imininingwane emithathu eyisisekelo. Ngabe ufuna ukwazi ukuthi yini le mingcele? Okokuqala, inani lemali, bese kuba yimali oyikhokhayo noma oyitholayo ngokusebenza kwebhange futhi ekugcineni nenani le- imali yanyanga zonke. Uma ucace ngokwengeziwe ngale datha, umsebenzi uzoba lula kuwe ukuthi uwuqonde kahle ngoba yingxenye enzima kakhulu yale nqubo. Akumangalisi ukuthi abathengi abaningi banezinkinga ezithile zokufinyelela enanini labo lokugcina.
Emigqeni yesikweletu
Izinga elilinganayo lonyaka lisebenza kunoma yiluphi uhlobo lwenkampani yezezimali, ngaphandle kwanoma yiluphi uhlobo lwemikhawulo. Okusho ukuthi, kwizimalimboleko zomuntu siqu, ezezimali zabathengi noma izikweletu zemali, phakathi kokunye okuhambisana kakhulu. Njengoba i-APR iphakama, kusho ukuthi kukubiza imali ethe xaxa ukuze uzikhokhele. Kufike ezingeni lokucabangela noma iyiphi i-APR engaphezu kwama-20% noma ama-25% ngokusobala ukuhlukumeza nokuthi noma kunjalo akulula ukuba uqashe. Phakathi kwezinye izizathu, ngoba kungakhuphula izinga lakho lesikweletu kule minyaka embalwa ezayo. Kulula kanjalo.
Kule ndlela, isilinganiso sonyaka esilinganayo singalinganiswa ngokuphelele nokuthi yini i- isithakazelo sangempela kwemikhiqizo yezezimali. Yimali amabhange azokucela yona ngokufuna umkhiqizo walezi zici. Ngaphandle kweminye imibandela oyibekelwe wena ngesikhathi sokuqasha. Uma ufuna ukonga ama-euro ambalwa, akungabazeki ukuthi kufanele ubheke umkhiqizo one-APR ephansi. Lapho iba ningi, kuzoba ngcono ngezintshisekelo zakho ngoba ekugcineni kosuku kuzofanele ukhokhe imali encane kulayini wekhredithi obhaliselwe.
Imininingwane ngaleli zinga
Kunoma ikuphi, uma ubona i-APR ikhangiswa kukho konke ukunikezwa kwemali mboleko yezindlu, imalimboleko yomuntu siqu nemikhiqizo yokulondoloza, kungenxa yokuthi iBhange laseSpain iphoqa amabhizinisi ukuthi abike mayelana nale datha efanele. Yize kwesinye isikhathi bezama ukukufihla ngaphansi kwe-TIN noma ngendlela engafanele. Uma unokungabaza, akukho okunye ongakwenza ngaphandle kokuthinta intshisekelo yomkhiqizo ngaphambi kokuwuqasha, ngoba ngokuhamba kwesikhathi ngeke ukwazi ukwenza lutho futhi kuzofanela uhambisane nezibopho zakho njengomsebenzisi webhange.
Ngakolunye uhlangothi, isilinganiso esilinganayo sonyaka noma i-APR yi-thermometer ephelele esimweni sangempela semikhiqizo yezezimali, noma ngabe yini. Kungakusiza ngisho khetha ukuncintisana kakhulu yakho konke bese ugcine ama-euro ambalwa ekusebenzeni. Noma kunjalo, azisoze zalungiswa, kepha ngokuphambene nalokho, zizohluka eminyakeni edlule isikhathi ngasinye lapho amanani enzalo evuselelwa. Lesi ngesinye sezikhathi eziveza leli zinga lonyaka. Ngisho nokukhetha isilinganiso senzalo esimisiwe kunokuguquguquka noma okuphambene nalokho.
Kuqhathaniswa ngaphansi kwemigomo efanayo
Esinye sezikhiye ekuqondeni kwaso okulungile kusekelwe ekwenzeni ukuqhathanisa kumkhiqizo wezezimali ofanayo ngezikhathi ezibekiwe ezifanayo, ayikaze ibe namapharamitha ahlukile. Lokho wukuthi, akunangqondo kuwe ukuthi uqhathanise imikhiqizo yezezimali negama elifanayo ngoba ukusebenza akunangqondo. Isibonelo, yenza ukuqhathanisa phakathi kwentela yezinyanga ezi-3 nentela yeminyaka emi-2. Kulokhu, idatha izophazamiseka ngokuphelele kusuka kuwo wonke amaphuzu wokubuka. Kufike ezingeni lokuthi ngeke kukusize ngalutho.
Esinye isici okufanele usicabangele kusukela manje kuqhubeke ukuthi akunasimo lapho isilinganiso sonyaka esilinganayo sizobheka i- intela. Ngokuphambene nalokho, yini ekugcineni enquma inzalo enkulu kumkhiqizo wezezimali okhethiwe. Yize lapho uyiqasha, akufanele ubheke i-APR kuphela, kodwa futhi nakuzo zonke izimo zenkontileka futhi ezingaba ziningi futhi zibe nemvelo ehlukile. Ngakolunye uhlangothi, kubaluleke kakhulu ukwazi ukuthi lokho ibhange elikukhokhela kona ngempela yinzalo yokuqokwa, okungukuthi, i-TIN. Mhlawumbe le mininingwane emincane izokusiza ukuthi uyiqonde kahle.
Ekugcineni, kufanele kwaziwe ukuthi isilinganiso sonyaka esilinganayo singezinye zezingwegwe ezisetshenziswa amabhange ukukuthola ukuthi ubhalisele imikhiqizo yawo. Noma kunokuhlanekezelwa okuthile kokuthi buyini ubuqiniso bazo. Kunoma ikuphi, kungenye yemingcele ebaluleke kakhulu okufanele ubheke kuyo noma yimuphi umkhiqizo wezezimali noma webhange. Ngoba kuthinta imali yakho.