Iingqinisiso kunye nepesenti zonyaka

Umphumo weNzala

Kukho iindlela ezininzi zeebhanki ezisetyenziselwa ukubala amaxabiso omyinge kwaye nganye indlela izakutshintsha inani lemali oyihlawulayo. Ukuba uyazi ukubala inani leenzala, uya kuqonda ngokucacileyo isivumelwano sakho semboleko kunye nebhanki yakho. Ukongezelela, uya kuba kwindawo engcono yokuxoxisana nomlinganiselo wakho wenzala kwibhanki yakho.

Iimali mboleko zeBhanki zithwala iirhafu ezimbini, izinga elichaziweyo okanye elikhethiweyo inzala kunye nomyinge wenzalo osebenzayo okanye umyinge wepesenti wonyaka (APR).

Iimali eziHlomelo

Umlinganiselo wenzala ochazwe yiloo nto uthi. Inzala yenzalo elula ukuba ibhanki ikunike njengomyinge wenzala kwimboleko. Le nqanaba lomdla ayithathi umphumo wenzalo kwi-akhawunti.

Umyinge wepesenti wonyaka

Ipesenti yepesenti yonyaka (APR) iyona mali uhlawulayo ukuboleka imali okanye irenti ngemali oyibolekayo. I-APR, nayo ibizwa ngokuba ngumyinge ochaphazelekayo, ithatha umphumo wenzalo enomdla kwi-akhawunti.

Xa ibhanki ikucaphula umyinge wenzala, icaphuna into ebizwa ngokuba yimpembelelo enomdla, eyaziwa njengezinga lepesenti ngonyaka (APR). I-APR okanye inqanaba elifanelekileyo lemfuno lihlukile kunezinga elichazwe ngumdla, ngenxa yemiphumo yokuhlanganiswa komdla.

Liliphi izinga eliphezulu?

U-APR uphezulu kunomyinge ochaphazelekayo ngaphandle kokuba umyinge wenzalo ungabandakanyeki. Ukuba uthabatha inzala mboleko elula kwaye uhlawule yonke imali ehlawulwayo ekupheleni kwexesha elithile, ke uM APR kwaye uthethe izinga lifanayo.

Nangona kunjalo, ukuba uthetha umboleko wemali yesitolimende, umzekelo, i-APR iphakamileyo kakhulu kunomyinge wenzala.

Indlela yokubala inzala malunga neNyanga-mboleko yonyaka

Ukuba uboleka i-$ 1,000 ebhankini omnye unyaka kwaye kufuneka uhlawule i-$ 60 edibeneyo ngaloo nyaka, isantya sakho senzala si-6%.

Nantsi ukubala:

Inqanaba eliphumelelayo kwiNzala yeMali elula = Inzala / Inqununu = $ 60 / $ 1000 = 6%

Ipesenti yakho yonyaka yepesenti okanye i-APR iyafana nereyithi echazwe kulo mzekelo kuba akukho nxaxheba inomdla wokuqwalasela. Le mboleko elula yenzalo.

Okwangoku, le mboleko ethile iya kuba yinto encinci xa ugcina imali ixesha elifutshane. Umzekelo, ukuba uboleka i-R7 000 kwi-bhanki iintsuku ezili-120 kwaye inani lesenzalo lihlala li-6%, umyinge osebenzayo wonyaka unomlinganiselo ophezulu.

Inqanaba eliphumelelayo = Inzala / Inqununu X Days in the Year (360) / Iintsuku Zemali ziPhambili

Izinga eliphumelelayo kwiNgxowa-mali ngeThuba elingaphantsi kweNyanga omnye = $ 60 / $ 1000 X 360/120 = 18%

Inqanaba elifanelekileyo lomdla ngu-18% ekubeni usebenzise kuphela imali kwiintsuku ezingama-120 endaweni yeentsuku ezingama-360.

Amanqaku afanelekileyo:

• Funda indlela Iimali Zisebenza Ngaphambi kokuba Uboleke
• Ukukhawuleza, Inkcazo elula yama-APR
• Yimalini yomdla kwiNgxowa-mali okanye kwi-Akhawunti ye-Savings?
• Udidekile malunga neRhafu yeMali? Nantsi indlela yokubala