什么是4月?

APR interest rates explained

APRS或年度百分比率先,首先可以令人困惑,无论是代表性,固定还是变量。为了帮助您,我们将汇总了解基础知识的快速指南。


年百分比率(APR)是什么意思?

TheAPR是借贷或省钱的利率。opebet平台d在您之前,应在所有广告中清楚地显示。它包括基本利率加上贷款或信用卡协议的任何额外费用。

It therefore shows how much your borrowing will cost over the period of a year, which is useful for planning your finances.

在向贷款或信用卡达成协议之前,贷方必须使借款人已知的APR。APR可以是固定的或变量(下面解释),所提供的速率取决于贷方,借贷金额,贷款期限以及您的速度credit score.

代表性
This是至少51%的申请人将提供的费率。它还必须包括贷款或信用卡附带的任何其他产品的成本,例如强制保险费和年费。这保护您免受可能导致的其他因素可能发生的变化。

由于此速度仅提供为51%的申请人,因此您所授予的实际率可能高于广告。

Credit card advertising will sometimes show afull representative APR的例子,which includes a purchase APR and an assumed credit limit. The purchase APR is the rate of interest that will be charged for purchases only.

The full representative APR can differ from the representative APR which includes additional fees such as a credit card annual fee. The assumed credit limit does not necessarily reflect the credit limit that you'll receive on the credit card – this is often based on your application details and credit score.

固定速率VS变量

修正了4月
固定的APR是当利率保持不变,而不是根据英格兰银行的基础或银行率波动。但是,如果付款迟到,它可以上升。

The advantage of a fixed APR is that you know how much you'll be paying without any surprise increases, but you may miss out if the base rate drops.

可变的4月
A variable APR is when the interest rate can change, either when the base rate changes or the lender changes their own rate.

If the base rate drops then the interest on your repayments can drop. However, if it rises your payments can also increase, giving less certainty about your monthly repayments.

Types of APR

  • Penalty APR– The rate you could be charged if you trigger any penalty clauses in your credit agreement. Penalty clauses can include late payments or exceeding your credit limit.

  • 介绍4月- 利率贷款人用作借款人申请的促销或激励。通常低或没有兴趣,当介绍期结束时,此速率可能会上升。

  • 购买APR.– The interest rate of purchases made on your credit card. Some lenders may have a 0% APR on credit card purchases for a certain period, but this normally returns to the standard APR when the promotion period is over.

  • Cash advance APR– The interest rate that some lenders and banks may apply to money you withdraw from the account, or that you spend using a written and cashed check. The cash advance APR can often be higher than the standard APR.

  • 平衡转移APR.– Like a purchase APR, this is the interest rate of balance transfers made on your credit card. Some lenders may have a 0% APR on credit card transfers for a certain period, but this normally returns to the standard APR when the promotion period is over. There are a number of pros and cons to balance transfer cards.

在选择信用卡,贷款或抵押贷款时,您将收取APRS和您收取的大致利率。你可以查看我们的loan calculator看看我们提供的贷款利率。


AA金融服务提供个人贷款savings accounts. Loans are provided by Bank of Ireland UK. AA Financial Services Limited is a credit broker and not a lender. AA Savings accounts are provided by Bank of Ireland UK.


Published 18 August 2020