Inyaniso kukuba ipesenti yepesenti yonyaka ngokwenene inokuba ngumqondiso ontle kakhulu weendleko zemali yakho entsha. Inokukukhokelela ngokukhawuleza ukuba awukwazi ukuqonda indlela yokusebenzisa ngokufanelekileyo njengethuluzi lokufanisa.
Abaninzi badibanisa u-APR kunye nomyinge wenzala, enye yeyona mpazamo enkulu. Inzala kunye ne-APR zizilwanyana ezahlukeneyo. Abanye bahluleka ukuqwalasela imveliso yokubolekwa kwempahla, ukuhlawula ukuhlawula kunye nezinye izinto eziza kuncedisa ekwenzeni ukubalwa kwepesenti zonyaka.
Ngoko yintoni na i-APR kwaye kufuneka ubeke ingqalelo enkulu kwinani njengoko wenza isigqibo sakho semali mboleko? Ewe kunye no.
Yiyiphi i-Percentage Rate Rate (APR)?
Ngokubanzi, izinga lepesenteji yonyaka liboniswa njengenqanaba lesenzalo ngamaxesha ngamaxesha okuqulunqwa kwexesha ngonyaka (eyaziwa ngokuba ngumyinge wenzala); ukususela ngo-APR kufuneka zibandakanye iintlawulo ezithile ezingenayo inzala kunye nemirhumo, idinga ukubalwa ngokubanzi
Njengomyinge wenzala, i-APR iboniswe njengepesenti. IQiniso leSigqeba kuMthetho Wokuboleka lifuna ukuba yonke isivumelwano somboleko somboleki sichaze i-APR.
Bonke ababoleki kufuneka balandele imithetho efanayo ukuqinisekisa ukuchaneka kwe-APR.
Oko kwathiwa, ukuba kufuneka wenze into kwaye ukwenza oko akusoloko kuyinto efanayo. Ipesenti yepesenti yonyaka yinombolo ekhohlisayo yokubala. Ukuba unomdla wokuba ubunzima bokubala kwimivuzo yepesenti yonyaka ingaba yintoni, ke khangela nje i-website ye-FDIC.
Ngokubanzi, ipesenti yepesenti yonyaka (APR) oyabona kwingxelo yakho yemali yokubolekwa kwemali mboleko ibalwa ngokubandakanya iimali zokubolekwa kwemali mboleko kunye nezinye izinto eziya kuthintela inkokhelo yakho yenyanga - njenge-inshurensi yangasese ye-mortgage okanye i-PMI. Awuqwalasele iintlawulo zenyanga zokuhlawula iinshurensi zabanini okanye iirhafu zepropati.
I-APR kufuneka ibhengezwe kumbolekayo kwiintsuku ezingama-3 zokufaka isicelo sokuthenga imali. Olu lwazi lufakwe ngeposi kumboleki kunye ne-APR ifunyenwe kwinyaniso ekutyala isitatimenti sokubhengeza, oku kuquka neshedyuli yohlengahlengiso.
Imimiselo echazwe yiBhodi yoKhuseleko lwezeMali yabathengi (i-CFPB) ifake ukugxininiswa okutsha ukwenza ukuba izibalo ze-APR ziqondwe lula kwaye zichaneke ngakumbi.
Ezinye iinkalo zokulawula zesaziso:
I-APR kufuneka ibhengezwe zingakapheli iintsuku ezintathu emva kokufunyanwa kwesicelo somboleki.
U-APR unokutshintsha nge-1/8 yepesenti enye ngaphambi kokuhlala ngaphandle kokufuna ukudalulwa ngumboleki.
I-APR ithathwa njengechanekile ukuba ayikho ngaphezu kwe-1/8 yepesenti enye ngasentla okanye ngaphantsi kwezinga eliya kubalwa ngokuhambelana nenkqubo esemthethweni.
Oko akuqinisekisi ukuchaneka kwe-APR lonke ixesha, nangona kunjalo. Ababolekisi abangenangqiqo, ngenxa yeyona nto ininzi, bavela kwishishini, kodwa impazamo yabantu isoloko ifuna ukuyiqwalasela.
Amagosa ebolekisiweyo asebenze ngokugqithiseleyo kwaye ubugcisa bezinye iinkqubo buhluleka kwakhona. Kungabangela ukungafani kwe-APR.
Ngokungafani nenani lentengo, i-APR iquka iindleko ezilandelayo kunye nemali ekubaleni:
Amaphuzu okuphuhlisa
I-inshurensi yokuThengisa
Iindleko zokuQala kweNdleko
Lezo ziibhakethi ezintathu ezihlukeneyo kunye neyona nto ininzi engafanelekanga i-inshurensi yangasese. Into yesibini edidekayo yokubambisa i-APR yokubala iyimali yemvelaphi yemvelaphi.
Ezi ziquka iintlawulo zenkampani ye-3 kwiingxelo zemali-mboleko kunye neminye imibuzo ebolekwa ngemboleko, kodwa kunye neendleko zokubhalwa phantsi, ukucwangciswa kunye nezinye iindleko ze-junk zombini kunye nezincinci.
Ukuba ubeka ngaphantsi kwama-20% phantsi uya kuba ne-PMI. Ekubeni i-PMI isekelwe kwimingcipheko kwi-retirement fund ye-Fannie Mae kunye noFreddie Mac iya kuhluka ukusuka kumthengi ukuya kumakhasimende nakwipropati kwipropati.
Iimali-mboleko ze-FHA zihamba phambili ngqo. Banikela ngesantya esicwangcisiweyo se-inshurensi yokubolekwa ngemali kwininzi lwabo mboleko. Isilinganiso siphezulu kune-PMI ngokuqhelekileyo kwaye sinokubamba i-APR yakho ngokubanzi.
Ungayifumana njani i-APR xa Uthelekisa iMali
Xa uqwalasela imali entsha yokubambisa i-APR kufuneka ibe yinye yezinto ezinokulinganisela.
Kucacile ukuba ukuhlawulwa kwemali yakho yenyanga yokuhlawula imali kuqala kuluhlu. Kodwa ukuxubusha ngokuqinileyo kwixesha elifanelekileyo lemali-mboleko kunye ne-mortgage type kwimeko yakho nabo baninzi abadlali.
Ukuba unethemba lokunciphisa intlawulo yakho phantsi ungalindela ukuba ube nezinga eliphezulu lepesenti zonyaka. Isixa osibeka phantsi sichaphazela umngcipheko wakho kwaye ke ngoko i-inshurensi yakho yokubolekwa kwemali iya kuba phezulu.
Iiprojimenti zentshuwalense ephakamileyo ye-mortgage zilingana nezinga eliphezulu lepesenti ngonyaka.
Kukho konke, i-APR ingaba yinto efanelekileyo kakhulu yokuthenga abathengi bemali mboleko xa uqinisekisa ukuba uhlala uqhathanisa ii-apula kwiipulo.