Yawan Chanji shekara-shekara

Yawan Chanji shekara-shekara
Bayanai
Ƙaramin ɓangare na	interest rate (en)

Yawan caji na shekara-shekara (APR), wanda ya dace da wani lokaci ga APR mai suna kuma wani lokacin ga APR (EAPR), shine yawan riba na shekara guda (shekara), maimakon kawai kuɗin kowane wata, kamar yadda aka yi amfani da shi akan rance, rancen jinginar gida, katin bashi, da dai sauransu. Wadannan kalmomi suna da ma'anar doka a wasu ƙasashe ko hukunce-hukunce doka, amma a Amurka:

• APR mai suna shine ƙimar riba mai sauƙi (na shekara guda).
• Matsakaicin APR shine kuɗin + riba mai yawa (wanda aka lissafa a fadin shekara guda).

A wasu yankuna, kashi na shekara-shekara (APR) shine kwatankwacin sauƙaƙe ga ingancin riba wanda mai ba da bashi zai biya akan rance. A cikin ƙasashe da yawa da hukunce-hukunce, ana buƙatar masu ba da rance (kamar bankunan) don bayyana "farashin" rance ta wata hanya mai daidaitawa a matsayin hanyar kariya ta mabukaci. An yi niyyar APR (mai tasiri) don sauƙaƙa kwatanta masu ba da rance da zaɓuɓɓukan rance.

Ma'anoni da yawa na APR mai tasiri

Ana lissafin APR mai suna ta hanyar ninka yawan riba don lokacin biyan kuɗi ta yawan lokutan biyan kuɗi a cikin shekara guda. Koyaya, ainihin ma'anar doka na "APR mai tasiri", ko EAR, na iya bambanta sosai a kowane iko, dangane da nau'in kudaden da aka haɗa, kamar kudaden shiga, kudaden Asalin rance, cajin sabis na kowane wata, ko kudaden marigayi. An kira ingantaccen APR da "gaskiya-gaskiya" a kowace shekara.

Lissafi don ingantaccen APR, a matsayin kuɗin + riba mai yawa, na iya bambanta dangane da ko kudaden da aka biya na gaba, kamar asali ko kudaden shiga, an kara su zuwa duk adadin, ko kuma an bi da su azaman rancen gajeren lokaci saboda biyan kuɗi na farko. Lokacin da aka biya kuɗin farawa a matsayin biyan kuɗi na farko (s), ma'aunin da aka biya na iya ƙara riba, kamar yadda aka jinkirta ta hanyar ƙarin lokacin biyan kuɗi (s).

Za'a iya lissafin ingancin kashi na shekara-shekara aƙalla hanyoyi uku:

• ta hanyar kara yawan riba na kowace shekara, ba tare da la'akari da kudade ba;
• ana ƙara kuɗin asali zuwa ma'auni saboda, kuma ana ɗaukar jimlar kuɗin a matsayin tushen ƙididdigar riba mai mahimmanci;
• Kudin asali ana biyan su azaman rancen gajeren lokaci. Wannan rancen ya kamata a biya shi a cikin biyan kuɗi na farko (s), kuma an biya ma'aunin da ba a biya ba a matsayin rancen dogon lokaci na biyu. Ƙarin biyan kuɗi na farko (s) an sadaukar da shi don biyan kuɗin asali da cajin riba a wannan ɓangaren.

Misali, la'akari da rancen $ 100 wanda dole ne a biya shi bayan wata daya, tare da 5%, tare da kuɗin $ 10. Idan ba a la'akari da kuɗin ba, wannan rancen yana da APR mai tasiri na kusan 80% (1.0512 = 1.7959, wanda shine kusan karuwar 80%). Idan aka yi la'akari da kuɗin $ 10, riba ta kowane wata tana ƙaruwa da 10% ($ 10 / $ 100), kuma APR mai tasiri ya zama kusan 435% (1.1512 = 5.3503, wanda ya yi daidai da karuwar 435%. Don haka akwai akalla "APRs masu tasiri" guda biyu: 80% da 435%. Dokoki sun bambanta game da ko dole ne a haɗa kudade a cikin lissafin APR.