Yini i-TIN ne-APR

Yini i-TIN ne-APR

Kunezikhathi lapho singadida khona imigomo yezezimali, hhayi ngenhloso, kepha sicabanga ukuthi yimicabango emibili esho into efanayo noma ukuthi ihunyushwe kabi (yize ibaluleke kakhulu). Yilokho okwenzeka ku-TIN naku-APR.

Uma ufuna bazi kahle ukuthi yini i-TIN ne-APR, umehluko phakathi kwale mibono emibili, futhi ufunde ukuthi kungani ubaluleke kangaka futhi kufanele uyicabangele, khona-ke le ndatshana izokusiza ukuthi ucacise lemiqondo.

Yini i-TIN

Yini i-TIN

Uma kukhulunywa ngokuqonda le mibono, kufanele ukhumbule ukuthi sikhuluma ngemiqondo emibili esetshenzisiwe, ikakhulukazi lapho ulinganisa futhi / noma ucela ukubolekwa imali. Kungakho zibaluleke kangaka, ngoba eziningi zivame ukudideka, noma zingaziniki ukubaluleka ezinakho. Ngakho-ke, kufanele wazi kahle ukuthi igama ngalinye libhekisa kuphi.

Kulokhu, i-TIN yi- ama-akhronimi ahlanganisa isilinganiso seNzalo yeNzala. NgokwamaBhange AseSpain, i-TIN icatshangwa njenge "Lapho isikhathi esibekelwe ukubalwa nokuxazululwa kwenzalo siqondana nesikhathi sokubekwa kwezinga lenzalo, kusetshenziswa inani elilinganiselwe lenzalo".

Kodwa-ke, le ncazelo ayichazi kahle ukuthi leli gama lisho ukuthini. Ukuze uqonde, i-TIN yimali umuntu oshiya ingxenye yenhlokodolobha yakhe okwesikhashana azokucela yona «ngaphezulu». Isibonelo, esimweni sebhange, kuzoba inzalo ezokubeka ekubolekiseni imali nokuthi kuzofanele ubuye nayo yonke imali ekubolekise ngayo.

Lo mqondo uhlala uhlobene nesikhathi esithile (uma ungacacisiwe, isikhathi sonyaka sonyaka). Imvamisa, kuyiphesenti elinqunyelwe okuvunyelwana ngalo ukuthi ngubani ozoboleka imali, ngendlela yokuthi wazi kahle ukuthi, uma ucela ama-euro angama-100, kuzodingeka ubuyise i-100 + i-TIN (okungaba yi-5 ama-euro, 2, 18…).

Ungayibala kanjani i-TIN

Ukubala i-TIN kulula kakhulu futhi akubandakanyi izinkinga. Ngakho-ke, sikuchazela ngesibonelo. Cabanga ukuthi uzocela ama-euro angama-100 (ukubeka kalula) futhi ibhange likutshela ukuthi, ngenxa yalesi sizathu, lizokukhokhisa ama-25% we-TIN (ngaphandle kokucacisa isikhathi esithile). Lokhu kusho ukuthi ama-25% azoba minyaka yonke. Okusho ukuthi, kuzodingeka ubuyise i-100 + 25%, okungaba yi-125 euro.

Kodwa-ke, ngenyanga awuzukukhokha okulingana nawe (ama-euro angu-8,33) kanye nama-25% we-TIN, kepha lokhu kufanele kuhlukaniswe kube yizinkokhelo zanyanga zonke eziyi-12 (unyaka), okushiyela isibalo se-8,33, 2,08 euros ( imali mboleko) + XNUMX (TIN).

Eqinisweni, amabhange abale i-TIN ngefomula, ukuze ayibeke kamuva kwimikhiqizo ayinikezayo. Lokhu:

I-TIN = umehluko we-Euribor + (lena yiyona esetshenziswe yibhange). Lokhu yikho okuzoholela "kuzindleko ezisebenzayo zomkhiqizo", okungukuthi, okumele ubeke "okungeziwe" ngaphandle kwalokhu okucelayo.

Yini i-APR

Yini i-APR

I-APR empeleni iyindlela ye- Isilinganiso Sonyaka Esilinganayo, igama "elicebile" kakhulu, ngoba lifaka eminye imininingwane eminingi (ngaphezu kwe-TIN). Ngokuya ngeBhange LaseSpain, incazelo enikezwe kule nkomba imi kanje: «I-APR iyinkomba yokuthi, ngesimo samaphesenti wonyaka, iveza izindleko noma ukusebenza ngempumelelo komkhiqizo wezezimali, ngoba kufaka inzalo nezindleko zebhange nezimali ezikhokhwayo. Ngamanye amagama, yehlukile kunani lenzalo ngoba ayifaki izindleko noma amakhomishini; kuphela isinxephezelo esitholwe ngumnikazi wemali ngokunikela ngaso okwesikhashana.

Ngamanye amagama, i-APR empeleni izindleko ezisebenza kahle zemalimboleko, zibonwa ngamaphesenti enhlokodolobha ebolekiwe. Ngaphezu kwalokho, akubandakanyi kuphela inzalo esetshenziswayo, kepha negama, amakhomishini nezindleko ezitholwe kuleyo mboleko. Yingakho kuthiwe anikeze eminye imininingwane ngakho.

I-APR ikhona kuyo yomibili imikhiqizo yokonga nemikhiqizo yemalimboleko, futhi kukho kokubili yenza into efanayo, okungukuthi, ayihlanganisi kuphela inzalo yokuqokwa, kodwa futhi namakhomishini nezindleko ezihlobene nomsebenzi okufanele wenziwe.

Ibalwa kanjani i-APR

Ngokuqondene nefomula yezibalo yokubala i-APR, lokhu kuyinkimbinkimbi kakhulu kune-TIN. Kepha uma ufuna ukuzama, nakhu sikushiya:

I-APR = (1 + r / f)f-1

Kule fomula, r kungaba isilinganiso senzalo esiqokiwe (kepha sivezwe ngokuya ngeyodwa), ngenkathi i-f is the frequency (period), uma kungunyaka, ngekota, noma ngenyanga ...

Uyini umehluko phakathi kwe-TIN ne-APR

Uyini umehluko phakathi kwe-TIN ne-APR

Manje njengoba usucace kakhudlwana ngalemiqondo, ungahle uzibuze ngomehluko phakathi kwalokhu okubili, ngoba, kuze kube manje, uyazi kuphela ukuthi i-TIN yigama elinikeza idatha encane kune-APR.

IBhange LaseSpain uqobo laphoqa izinhlangano ukuthi, kusukela ngo-1990, zonke izinhlangano zezezimali kwakudingeka zishicilele i-APR kumikhiqizo yazo eziyisebenzisayo, ukuze zinikeze lonke ulwazi umuntu okufanele alucabangele ngaphambi kokuthatha isinqumo.

Kepha, ingabe kukhona umehluko omkhulu phakathi kwe-TIN ne-APR? Ake sikubone:

Indlela yokuyibala

Njengoba ukwazi ukubona, indlela yokubala i-TIN ne-APR ihluke ngokuphelele. Hhayi nje kuphela ngenxa yefomula yezibalo engahle icishe ibe yinkimbinkimbi, kepha ngoba imiqondo eminingi ibonakala ku-APR kune-TIN. Ngakho-ke, konke kufanele kuboniswe ekubalweni kwalokhu, kunikeze ngasikhathi sinye, imininingwane eyengeziwe (nokunikeza umbono womhlaba jikelele).

Ulwazi

I-TIN, ngenxa yomqondo wayo «olula», empeleni iyinkomba efundisayo, kusukela akubonisi iqiniso lomkhiqizo wasebhange uqobo. Lokhu kuveza kuphela inkomba, kepha hhayi konke okunye okuthonya umphumela wokugcina, njengezindleko namakhomishini, into eyenziwa yi-APR. Ngakho-ke, uma kukhulunywa ngemikhiqizo yasebhange, iyona ebaluleke kakhulu kithi.


Yiba ngowokuqala ukuphawula

Shiya umbono wakho

Ikheli lakho le ngeke ishicilelwe. Ezidingekayo ibhalwe nge *

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  1. Ubhekele imininingwane: Miguel Ángel Gatón
  2. Inhloso yedatha: Lawula Ugaxekile, ukuphathwa kwamazwana.
  3. Ukusemthethweni: Imvume yakho
  4. Ukuxhumana kwemininingwane: Imininingwane ngeke idluliselwe kubantu besithathu ngaphandle kwesibopho esisemthethweni.
  5. Isitoreji sedatha: Idatabase ebanjwe yi-Occentus Networks (EU)
  6. Amalungelo: Nganoma yisiphi isikhathi ungakhawulela, uthole futhi ususe imininingwane yakho.