Tus thawj xib fwb tsau-rate Revolving system

Yog tus thawj xibfwb tsau-rate Revolving feem ntau pom nyob rau hauv xws li daim ntawv txais nyiaj, tab sis yog tias koj tau siv, kuj yuav muaj coob tus neeg tsis paub yuav ua li cas them rov qab.
Lub sij hawm no, ua ke nrog qhov zoo thiab qhov tsis zoo ntawm tus thawj xib fwb tsau-rate revolving system yuav tsum tau qhia.

 

txog / tus thawj xib fwb thiab kev txaus siab tsau-rate revolving
txog / qhov nqi koj tshuav swb thawj xib fwb thiab kev txaus siab ncaj-line them rov qab tswvyim

 

dab tsi yog tus thawj xib fwb tsau-rate revolving

thawj xib fwb tsau-rate revolving system thiab, thaum ib tug predetermined kev faib ua feem rau lub sij hawm daim ntawv cog lus yog nkag mus rau hauv, tshaj plaws uas yuav ua txhua hli them rov qab.
Tshwj xeeb, multiplied los ntawm tus tsau tus nqi rau tus thawj xib fwb, tus nqi ntawm cov nyiaj ntxiv rau kev txaus siab khoo los ntawm lub tiag tiag ib annum rau cov nyiaj qiv ntawd yog qhov nqi koj tshuav, yuav tau teem caij li lub hli them rov qab cov nqi ntawm cov nyiaj.

 

Yog hais tias cov kev piv txwv

piv txwv koos tshuav 4% cov neeg siv credit nyob rau hauv tus thawj xib fwb tsau nqi revolving, borrowed 100,000 yen 10% txhua xyoo paj laum, muab xam yog raws li nram no nws yuav ua tau.
100,000 yen × 4% + (100,000 yen × (10 ÷ 12 lub hlis)) _ x000D_ = 4,000 yen + (100,000 yen × 0,83%) _ x000D_ = 4, Thiaj li ua rau qhov nqi koj tshuav ntawm 830 yen

 

nqi poob rau txhua them rov qab, nws yog yus los mus down lawm txhua hli repayments txhua txhua lub hlis. _X000D_ cov ntaub ntawv ntawm lub hlis tom ntej,
((\ 100,000 yen -4830) × 4%) + (\ 100,000 yen -4830) × 0,83%) _ x000D_ = (95.170 yen × 4%) + (\ 95.170 × 0,83%) _ x000D_ = nws yuav tsum yog 3807 yen Tasu790 yen
= 4.597 yen
.
txawv yog ntawm 233 yen insignificant, tom qab rau lub hlis los ntawm kev siv lub koos-tshuav nyiaj li cas tej zaum koj yuav tawm tuaj nyob rau hauv lub nyob ze 3000 yen 5000 yen.

 

kev pab cuam ntawm

thawj xib fwb tsau-rate revolving nqis yog tias rov qab naj npawb ntawm cov sij hawm yuav tau xam nyob rau hauv ua ntej.
rau txhua hli yooj yim to taub yuav ua li cas nws rov ntau npaum li cas tus thawj xib fwb yog, qhov kawg them rov qab cov xov tooj ntawm lub sij hawm no kuj yog yooj yim thiab yooj yim rau to taub.
kuj rau cov neeg siv rau cov thawj lub sij hawm nyiaj txiag hauv tsev, xav hais tias yuav tsum npaj siv. Nqi yuav

 

them rov qab kuj, yog ib tug loj kom zoo dua vim hais tias tsawg tshaj li tus thawj xib fwb thiab kev txaus siab tsau-rate revolving system. Vim hais tias muaj tseem yog ib txoj kev ua kom pom tseeb them rov qab
thawj xib fwb, yuav lub xov tooj ntawm lub sij hawm yuav suppressed zoo ntawm no yog npaum li cas ntawm cov hoob kawm. Yog hais tias koj
tentatively txais 100 lab thiab tus naj npawb ntawm cov sij hawm 200 lub sij hawm nyob ze, muaj tej lub sij hawm thaum ib tug sib txawv ntawm txog 15 xyoo, yug nyob rau hauv hnub xam.

 

qhov tseeb hais tias lub xov tooj ntawm them rov qab yog me me, yog hais tias yuav tsum tau tsawg tus nqi ntawm kev txaus siab. Yog hais tias koj borrowed
50 lab thiab qhov txawv nruab nrab ntawm tus thawj xib fwb thiab kev txaus siab tsau-rate revolving system yuav loj heev thiab hais txog 150,000 yen.
Vim hais tias ntawm cov txawv me me nyob rau hauv lub sij hawm ntawm txhua lub hli them rov qab, yuav tsis yog ib tug ob peb cov neeg uas tsis pom qhov txawv.

 

disadvantage

li cov disadvantages ntawm tus thawj xib fwb tsau-rate revolving system, lub hli them rov qab npaum li cas, muaj ib tug taw tes uas yog teem rau muaj ntau tshaj li tus thawj xib fwb thiab kev txaus siab tsau-rate revolving system.
Qhov no yog vim hais tias tus nqi ntawm cov nyiaj uas ntaus cov thawj xib fwb, loj tshaj lwm cov nyiaj them rov qab txoj kev. Txawm hais tias
paj laum yog tib yam, tej zaum koj yuav muaj mus rau lub sib txawv ntawm 10,000 yen ze rau ib lub nra hnyav rau koj lub hnab tawv me yug.

 

Tus tam sim no, kuj muaj tseeb hais tias ib tug me me nyiaj txiag lub tuam txhab incorporating tus thawj xib fwb tsau-rate revolving system.
Yog li ntawd, txawm hais tias koj xav tau hais tias yuav xaiv txoj kev no, thawj qhov chaw koj yuav tuam txhab yog tsis ua licas.

 

ntxiv, hais tias tsis muaj teeb meem yuav ua li cas them rov qab yog nce, vim hais tias cov tsis yuav yog tias nws yog revolving credit, muaj kuj yog pheej hmoo ntawm kev them nyiaj rov qab lub sij hawm yuav ntev tshaj li ib txwm cov nyiaj txais.
Txawm li cas los, Yog hais tias qhov kev nce rau lub teeb nyiaj ntawm cov nyiaj, yog lub ua tau zoo yuav tau them rov qab nyob rau hauv cov lawv thaum ntxov sij hawm.

 

rau lub

Summary


thawj xib fwb tsau-rate revolving system twb borrowed thawj xib fwb, multiplied los ntawm ib tug predetermined tsau nqi, yog dab tsi rov qab ntawm tus nqi ntawm cov nyiaj ntxiv rau kev txaus siab. Raws li
kev pab, nws ntsej muag tej zaum yuav hais tias lub xov tooj ntawm lub hlis mus rau them rov qab yuav xam los ntawm thaum pib.
Tsis tas li ntawd nyob rau hauv rov qab ntau npaum li cas ntawm cov nyiaj, yam tsawg kawg nyob rau hauv kev sib piv nrog rau lwm cov kev, koj tsis muaj kev txhawj txog kev them nqi ib tug ntau ntawm kev txaus siab.

 

lwm cov tes, raws li cov disadvantages, loj repayments thov mus rau txhua lub hlis, nws yuav tsum muab yog tias.
thaum them nqi xauj tsev yog txawm muaj nyob rau hauv cov pua pua txhiab, tej zaum txawm loj npaum li cas ntawm cov nyiaj yuav tsum tau them mus rau qhov chaw, koj yuav tsum xaiv los ntawm to taub.

 

Nyob rau hauv tas li ntawd, vim hais tias muaj ob peb tuam txhab uas muag uas tau ua tus thawj xib fwb tsau-rate revolving txoj kev, nyob ntawm seb lub sij hawm uas yuav tsum tau cov nyiaj uas koj yuav tau ua kom lub tuam txhab xaiv kom zoo zoo.
rau tus thawj xib fwb tsau-rate revolving system twb borrowed thawj xib fwb, multiplied los ntawm ib tug predetermined tsau nqi, nws yog dab tsi rov qab ntawm tus nqi ntawm cov nyiaj ntxiv rau kev txaus siab. Raws li
kev pab, nws ntsej muag tej zaum yuav hais tias lub xov tooj ntawm lub hlis mus rau them rov qab yuav xam los ntawm thaum pib.
Tsis tas li ntawd nyob rau hauv rov qab ntau npaum li cas ntawm cov nyiaj, yam tsawg kawg nyob rau hauv kev sib piv nrog rau lwm cov kev, koj tsis muaj kev txhawj txog kev them nqi ib tug ntau ntawm kev txaus siab.

 

lwm cov tes, raws li cov disadvantages, loj repayments thov mus rau txhua lub hlis, nws yuav tsum muab yog tias.
thaum them nqi xauj tsev yog txawm muaj nyob rau hauv cov pua pua txhiab, tej zaum txawm loj npaum li cas ntawm cov nyiaj yuav tsum tau them mus rau qhov chaw, koj yuav tsum xaiv los ntawm to taub.

 

Nyob rau hauv tas li ntawd, vim hais tias muaj ob peb tuam txhab uas muag uas tau ua tus thawj xib fwb tsau-rate revolving txoj kev, nyob ntawm seb lub sij hawm uas yuav tsum tau cov nyiaj uas koj yuav tau ua kom lub tuam txhab xaiv kom zoo zoo.