Lokacin da kuke sake biyan kuɗi ko ɗaukar jinginar gida, ku tuna cewa ƙimar riba da aka tallata ba ɗaya bane da ƙimar kaso na shekara-shekara (APR).Menene bambanci?
● Adadin riba yana nufin farashin lamuni na shekara-shekara ga mai lamuni kuma ana bayyana shi azaman kashi.
APR ita ce farashin lamuni na shekara-shekara ga mai ba da bashi - gami da kudade.Kamar ƙimar riba, ana bayyana APR azaman kashi.Ba kamar kuɗin ruwa ba, duk da haka, ya haɗa da wasu caji ko kudade kamar inshorar jinginar gida, mafi yawan farashin rufewa, maki rangwame da kuɗin asalin lamuni.
Ta yaya APR ake ƙididdigewa?
Ana ƙididdige ƙimar ta hanyar ninka adadin ribar lokaci-lokaci da adadin lokuta a cikin shekarar da aka yi amfani da ƙimar lokaci-lokaci.Ba ya nuna sau nawa aka yi amfani da ƙimar ga ma'auni.
Riba= Jimlar riba da aka biya a tsawon rayuwar lamunin
Principal= Adadin lamuni
n= Adadin kwanaki a lokacin lamuni
Lokacin aikawa: Janairu-21-2022