Santander
Inā ua ʻaiʻē ʻoe a wehe paha i kahi kāleka hōʻaiʻē hou, ʻo ka huaʻōlelo APR (Annual Percentage Rate) kahi huaʻōlelo āu i lohe ai. Akā he aha ka APR? ʻO ia ka uku paneʻe e hōʻiliʻili ai ka hōʻaiʻē i kona wā lōʻihi. ʻAʻole ia he uku pānaʻi hoʻokahi, akā nui nā uku a me nā komisina i hōʻuluʻulu ʻia.
E like me ka hōʻike ʻana o kona inoa, ʻo ka APR kahi pākēneka e hōʻike ana i ke kumukūʻai no kēlā me kēia kau o ka hōʻaiʻē. ʻO ia ka uku pānaʻi a ka poʻe kūʻai aku e uku i nā mea hāʻawi kālā i ke ola o ka hōʻaiʻē, e pili ana i ka hōʻike makahiki o ka uku paneʻe.
Hiki ke noʻonoʻo ʻia ka APR ma ke ʻano he huaʻōlelo umbrella no ka nui o nā uku pānaʻi like ʻole a me nā uku e pili ana i kāu hōʻaiʻē a i ʻole laina ʻaiʻē i kona wā e ola ana. No ka nui o nā hōʻaiʻē, hiki i kēia ke komo i kekahi a i ʻole nā mea a pau:
ʻO ka ʻokoʻa nui ma waena o ka APR a me ka uku pānaʻi i hoʻohana ʻia i kahi hōʻaiʻē, ʻo ia ka mea i pili i ke kumu o ka hōʻaiʻē. No ka mea, aia ka APR i ka uku panee ma ka hōʻaiʻē, a me nā uku ʻē aʻe a me nā komisina i helu ʻia ma luna nei, he pākēneka kiʻekiʻe. ʻO ka mea pōmaikaʻi, ʻaʻole pono ʻoe e hopohopo no ka hoʻokaʻawale ʻana i kāu mau uku ma waena o ka ukupanee a me ka APR, no ka mea, ua uku ʻia lākou i ka manawa like.
Nā pōmaikaʻi o ka waihona waihona n26
I mea e maʻalahi ai nā mea iā ʻoe, e hāʻawi ʻia ʻoe i kahi kākāʻōlelo moraki pilikino nāna e kōkua iā ʻoe i ke kaʻina hana a hiki i kou kūʻai ʻana i kou home. Hiki iā ʻoe ke noi a hahai i ka holomua o kāu moraki ma ka pūnaewele.
Inā kālā ʻoe ma waena o 150.000 a me 400.000 euros, e hoʻemi ʻia ka uku pānaʻi pili e 0,10%. No nā moraki ma luna o 400.000 euros, e ʻoluʻolu e kelepona mai iā mākou. E hoʻohana ʻia kēia hōʻemi i ka uku paneʻe mai ka nui, ka manawa a me ke koho āu e koho ai, me ka nānā ʻole i ka hoʻokō ʻana o nā kūlana hoʻemi.
- No nā moraki helu ʻokoʻa, a i ʻole i ka wā o nā ʻāpana pākēneka o nā moraki ʻē aʻe: 0,25% o ke koena koena o ka moraki i uku mua ʻia (ka uku mua piha) i nā makahiki mua ʻekolu o ka manawa moraki.
ʻO ka hope, kaomi ma luna o "Ccalculate" a na ka mea hana e hoʻohālike i kāu moraki ma ka pūnaewele me nā koho like ʻole i loaʻa (me ka moraki paʻa, loli a hui pū ʻia paha) i hiki iā ʻoe ke hoʻoholo i ke ʻano i kūpono i kou pono.
ʻO ka hope, kaomi ma luna o "Ccalculate" a na ka mea hana e hoʻohālike i kāu moraki ma ka pūnaewele me nā koho like ʻole i loaʻa (me ka moraki paʻa, loli a hui pū ʻia paha) i hiki iā ʻoe ke hoʻoholo i ke ʻano i kūpono i kou pono.
apr vs apy
ʻO ka uku paneʻe a me ka APR ʻelua mau huaʻōlelo i huikau pinepine a pili i nā manaʻo like, akā he mau ʻokoʻa maʻalahi ke helu ʻana iā lākou. I ka loiloi ʻana i ke kumukūʻai o kahi hōʻaiʻē a i ʻole laina o ka hōʻaiʻē, he mea nui e hoʻomaopopo i ka ʻokoʻa ma waena o ka uku paneʻe i hoʻolaha ʻia a me ka Annual Percentage Rate (APR), e pili ana i nā koina a i ʻole nā uku hou.
Hoʻohana ʻia ka uku paneʻe i hoʻolaha ʻia, a i ʻole ka uku paneʻe nominal, no ka helu ʻana i ka uku ukupanee ma kāu hōʻaiʻē. No ka laʻana, inā e noʻonoʻo ana ʻoe i kahi hōʻaiʻē home $200.000 me ka uku paneʻe o 6%, ʻo kāu uku ukupanee makahiki he $12.000, a i ʻole he uku mahina o $1.000.
Hiki ke hoʻololi ʻia ka uku paneʻe e ka Federal Reserve i hoʻonohonoho ʻia e ka Federal Reserve, i ʻike ʻia ʻo Fed. No ka laʻana, i ka wā o ka hoʻokele waiwai, hoʻohaʻahaʻa pinepine ka Fed i ka uku kālā federal e paipai i nā mea kūʻai aku e hoʻolilo kālā.
helu helu ʻApelila
Ma kekahi mau wahi, ʻo ka Annual Percentage Rate (APR) ka mea maʻalahi o ka uku panee kūpono e uku ai ka mea ʻaiʻē ma kahi hōʻaiʻē. Ma nā ʻāina a me nā ʻāina he nui, koi ʻia nā mea hāʻawi kālā (e like me nā panakō) e hōʻike i ka "kumu" o ka hōʻaiʻē ma kekahi ʻano maʻamau e like me ke ʻano o ka pale o nā mea kūʻai aku. Ua manaʻo ʻia ka APR (effective) e maʻalahi i ka hoʻohālikelike ʻana i nā mea hāʻawi kālā a me nā koho hōʻaiʻē.
Hiki ke hoʻololi ʻia ka helu ʻana o ka APR kūpono, e like me ka uku + hui pū ʻana, ma muli o ka hoʻohui ʻia ʻana o nā komisina mua, e like me ka hoʻomaka ʻana a i ʻole ke komo ʻana, i ka huina nui a i ʻole e mālama ʻia ma ke ʻano he hōʻaiʻē pōkole i uku ʻia i ka mua. uku. Ke uku ʻia nā uku mua ma ke ʻano he uku mua, ʻoi aku ka nui o ke koena i uku ʻia no ka mea ua lohi ʻia no ka manawa uku hou[7].
Ma ʻAmelika Hui Pū ʻIa, mālama ʻia ka helu ʻana a me ka hōʻike ʻana o ka APR e ka Truth in Lending Act (i hoʻokō ʻia e ka Consumer Financial Protection Bureau (CFPB) ma Regulation Z of the Act). Ma keʻano laulā, ua hōʻike ʻia ka APR ma ʻAmelika Hui Pū ʻIa e like me ka uku paneʻe manawa (no ka laʻana, kēlā me kēia mahina) i hoʻonui ʻia e ka helu o nā manawa hoʻohui i hoʻokahi makahiki [8] (ʻike pū ʻia ʻo ka uku uku nominal); No ka mea, pono e komo ka APR i kekahi mau uku a me nā koina pili ʻole, pono ia i ka helu kikoʻī. Pono e haʻi ʻia ka APR i ka mea ʻaiʻē i loko o ʻekolu lā ma hope o ka noi moraki. Hoʻouna pinepine ʻia kēia ʻike i ka mea ʻaiʻē a loaʻa ka APR ma ka ʻōlelo hōʻike ʻike ʻoiaʻiʻo o ka hōʻaiʻē ʻana, aia pū kekahi me kahi papa hoʻopaʻa kālā.
