he aha ka tae
Ke kūʻai ʻana i kahi waiwai o kēlā me kēia ʻano, ʻo ka loaʻa ʻana o ka moraki he koho mau ia e noʻonoʻo ai. Eia nō naʻe, aia kekahi mau huaʻōlelo kikoʻī a me nā huaʻōlelo loea e pono ai ʻoe e ʻike ma mua o ka noi ʻana i kahi moraki. Ma Pollentia Properties ke haʻi aku nei mākou iā ʻoe e pili ana i ka APR, e pili ana i ka ʻōlelo Pelekania: makahiki pākēneka o ka uku (APR), kahi āu i lohe ai. He ʻike koʻikoʻi kēia no ka poʻe e manaʻo nei e kūʻai i kahi waiwai ma Mallorca.
He aha ke ʻano o ka APR? He mea pili kālā ia e komo pū ana nā panakō a pau e hahai ana i nā ʻōlelo aʻo a ka Bank of Spain i ka makahiki 1990. ʻO kēia papa kuhikuhi he pākēneka o ke kumukūʻai maoli o kahi hana kālā e pili ana i nā uku ukupanee a me nā kālā ʻē aʻe e uku ai ka mea kūʻai aku e hoʻohana i nā lawelawe. mai ka panakō. Hiki iā lākou, no ka laʻana, nā lilo no ka hoʻonohonoho ʻana i ka moraki, no ka hoʻopau ʻana a i ʻole kahi laina o ka hōʻaiʻē.
Eia naʻe, ʻaʻole i hoʻokomo ʻia ka APR i nā lilo a pau, hiki ke pili i nā ʻauhau, nā uku notari a i ʻole nā hoʻoili panakō, e pili ana i ka hana kālā e pono ai. Eia nō naʻe, ʻo ka APR kahi papa kuhikuhi hilinaʻi e alakaʻi iā ʻoe i ka wā e loaʻa ai kāu moraki.
tin a me ka laʻana
Ma ka lā 3 o ʻOkakopa, 2015, no ka hapa nui o nā ʻano hōʻaiʻē moraki, ua hoʻololi ʻia kahi palapala i kapa ʻia ʻo Loan Estimate i ka hōʻike mua ʻana o ka Truth in Lending, a ua pani ʻia kahi hōʻike pani ʻana i ka hōʻike hope loa o ka Truth in Lending. , 3, a inā ʻoe e noi nei no ka moraki hoʻohuli, he HELOC, kahi hōʻaiʻē home i hana ʻia ʻaʻole i hoʻopaʻa ʻia e ka waiwai paʻa, a i ʻole he hōʻaiʻē ma o kekahi ʻano o nā papahana hōʻaiʻē kōkua i ka poʻe kūʻai hale, pono ʻoe e loaʻa i kahi hōʻike ʻoiaʻiʻo i ka hōʻaiʻē. Loaʻa ʻelua ʻike e pili ana i ka ʻoiaʻiʻo o nā hōʻaiʻē: ʻo ka manawa mua i ka noi ʻana i ka hōʻaiʻē moraki a me ka manawa hope ma mua o ka pani ʻana. Aia ma ka palapala Truth in Lending ka ʻike e pili ana i ke kumukūʻai o kāu hōʻaiʻē moraki, me ka helu pākēneka makahiki (APR).
He aha ke tini ma Sepania
ʻO kahi hōʻaiʻē loaʻa kahi ʻano o ka loaʻa kālā wā lōʻihi e pani ana i ke kālā waena wā pōkole. ʻO kēia mau ʻano hōʻaiʻē he mau moraki i hoʻopaʻa ʻia me nā waiwai a me nā uku paʻa i hoʻopaʻa ʻia.
ʻO ka poʻe hāʻawi kālā nāna e hoʻopaʻa i kēia mau hōʻaiʻē he mau hui kālā nui, e like me ka ʻinikua a i ʻole nā hui hoʻopukapuka, ʻoiai nā panakō a i ʻole nā hui mālama kālā e hoʻopuka pinepine i nā hōʻaiʻē no ka wā pōkole, e like me kahi hōʻaiʻē kūkulu.
Pono ka mea hōʻaiʻē e hoʻopiha i kahi palapala noi hōʻaiʻē piha e ʻae ʻia no kahi hōʻaiʻē withdrawal, i hoʻohana ʻia e pani i kahi hōʻaiʻē mua, ʻoi aku ka lōʻihi o ka manawa pōkole a me ka uku pānaʻi kiʻekiʻe. Hiki i nā ʻano mea ʻaiʻē a pau ke loaʻa i kahi hōʻaiʻē hoʻopakele mai kahi mea hoʻopuka aie e uku ai i nā aie mua. Hiki ke hoʻohana ʻia nā hōʻaiʻē withdrawal e like me kahi hōʻaiʻē pilikino lōʻihi e uku i nā koena koʻikoʻi mua me nā mea ʻaiʻē ʻē aʻe. ʻO ka mea maʻamau, hoʻohana ʻia lākou i ke kūkulu hale e kōkua i ka mea hōʻaiʻē e hoʻololi i kahi hōʻaiʻē kūkulu wā pōkole a loaʻa nā ʻōlelo kālā maikaʻi. Hiki i nā ʻōlelo o ka hōʻaiʻē hoʻopakele ke komo i nā uku o kēlā me kēia mahina a i ʻole ka uku hoʻokahi i ka wā oʻo.
He aha ka moraki tae? 2021
ʻO ka APR a i ʻole ka uku makahiki like no nā moraki he hōʻailona i hōʻike ʻia ma ke ʻano he pākēneka makahiki e hōʻike ana i ke kumukūʻai maoli o ka moraki, me ka uku panee, akā ʻo nā komisina a me nā uku panakō.
ʻO ka APR kahi hōʻailona piha loa ma mua o ka uku panee nominal (TIN), a hiki iā ʻoe ke hoʻohālikelike i nā hōʻaiʻē moraki me nā kūlana like ʻole (ka uku paneʻe, nā komisina, nā lilo, ka manawa a me ke ʻano o ka uku ʻana) a ʻike i ka mea i ʻoi aku ka maikaʻi.
ʻO ka APR a i ʻole ka helu makahiki like o nā moraki e helu ʻia ma ke ʻano helu makemakika e noʻonoʻo ana i ka ukupanee e uku ʻia e ka mea kūʻai aku, nā komisina a me nā ʻano kālā ʻē aʻe e pili ana i ka hōʻaiʻē moraki, koe naʻe nā uku notary. . E hoʻokomo pū ʻia nā kumukūʻai o nā lawelawe e pili ana i ka ʻaelike hōʻaiʻē moraki (e like me ka inikua) inā ua hoʻohuli lākou i ka hāʻawi ʻana i ka hōʻaiʻē ma lalo o nā kūlana i hāʻawi ʻia.
Ma Sepania, pono e hoʻokomo i ka APR i kekahi palapala a i ʻole hoʻolaha o nā huahana kālā. Ma ka hihia o nā moraki helu ʻokoʻa, ua helu ʻia ka APR a i ʻole ka uku makahiki like ma ke kumu e mau ai ka uku panee a me nā lilo ʻē aʻe e like me ka manawa o ka helu ʻana. I kēia hihia, pono ka panakō e hoʻohana i ka huaʻōlelo "variable APR" no nā kumu ʻike.
