Xisaabiyaha APR

Xisaabiyaha APR

Ka qiyaas heerka boqolkiiba sannadlaha ah qulqulka lacagta amaahda ee billaha ah iyo khidmadaha hore ama kuwa amaahda lagu daro.

FAHAM JAWAABTA

Sidee tan loo xisaabiyaa?

Waxay u qaadanaysaa lacag-bixinno bille ah oo isle'eg oo bilaabma bil ka dib bixinta amaahda, heer go'an iyo inaanay jirin lacag-bixin weyn oo ugu dambaysa. Khidmadaha waxaa la bixiyaa marka amaahda la helo ama waxaa lagu daraa baaqiga. Qiyaastan qorshayntu ma aha shaacinta APR ee sharci ahaan u gaar ah deegaan xukun.

Qulqulka lacagta billaha ah ee qiimaha maanta loo dhimayLacagta saafiga ah ee la helay = Σ lacag-bixin / (1 + heerka bisha)^k; heerka sannadka = heerka bisha × 12

Tusaale wax ku ool ah

Amaah 25,000 ah oo 7.5% ah muddo 60 bilood ah waxay leedahay APR ka badan 7.5% marka lagu daro 500 oo khidmadaha hore ah.

Natiijada la xisaabiyey

Lacagta amaahda ka hor khidmadahaXaaladJawaab la xisaabiyey
20,00018.573%
25,00028.3554%
30,00038.2111%

Mala-awaallada, fasiraadda iyo khaladaadka caadiga ah

Mala-awaallada xisaabinta

  • Lacag-bixinnadu waxay dhacaan bil kasta dhammaadka muddada, qadar go'an.
  • APR waa heerka lagu dhimo qulqulka lacagta billaha ah oo lagu dhuftay 12; xeerarka shaacinta ee deegaan kasta way duwanaan karaan.
  • Khidmadaha hore waxay dhimaan lacagta saafiga ah ee la helo; kuwa amaahda lagu daro waxay kordhiyaan baaqiga la bixinayo.

Sida loo fasiro natiijada

  • Heerka dulsaarka kuma jiraan khidmadaha; APR waxaa ku jira khidmadaha amaahda ee la geliyey.
  • Lacag-bixin ka yar raasamaalka oo muddada loo qaybiyey waxay u baahan lahayd heer taban mana la taageero.
  • Lacag-bixinnada billaha ah ee la soo koobay waxay keeni karaan heer laga soo saaray oo wax yar ka duwan.

Khaladaadka caadiga ah ee laga fogaado

  • In lacag-bixin sannadle ah loo geliyo sidii lacag-bixin bille ah.
  • In isla khidmad loo tiriyo mid hore iyo mid amaahda lagu daray labadaba.
  • In qiyaastan qorshaynta loo qaato shaacin amaah-bixiye oo sharciga waafaqsan.