Tsoom Fwv Teb Chaws Qhov Tseeb hauv Kev Tshaj Tawm Tshaj Tawm yog dab tsi?
Tsoom Fwv Teb Chaws Qhov Tseeb hauv Kev Tshaj Tawm Tshaj Tawm yog dab tsi?

Video: Tsoom Fwv Teb Chaws Qhov Tseeb hauv Kev Tshaj Tawm Tshaj Tawm yog dab tsi?

Video: Tsoom Fwv Teb Chaws Qhov Tseeb hauv Kev Tshaj Tawm Tshaj Tawm yog dab tsi?
Video: Peb ua neej nyob hauv ntiaj teb@# zaj nkauj tu siab heev li og 2024, Hlis ntuj nqeg
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A Qhov tseeb-hauv-Lending Cov Lus Qhia muab cov ntaub ntawv hais txog cov nqi ntawm koj qhov credit. Koj Qhov tseeb-hauv-Lending daim ntawv no suav nrog cov ntaub ntawv hais txog tus nqi ntawm koj cov nyiaj qiv, suav nrog koj qhov feem pua ntawm cov xyoo (APR).

Tsuas yog li ntawd, qhov tseeb hauv Kev Tshaj Tawm Tshaj Tawm Tshaj Tawm muaj dab tsi?

Cov qiv nyiaj yuav tsum muab a Qhov tseeb hauv Qiv (TSI) nthuav tawm nqe lus tias suav nrog cov ntaub ntawv hais txog tus nqi ntawm koj cov nyiaj qiv, qhov feem pua ntawm ib xyoos (APR), cov nqi them nyiaj (nrog rau cov nqi thov, cov nqi lig, cov nqi them ua ntej), cov sij hawm them nqi thiab tag nrho cov nyiaj them rov qab rau lub neej ntawm cov nyiaj qiv.

Ib yam li ntawd, thaum twg Yuav Tsum Qhov Tseeb Hauv Kev Qiv Tshaj Tawm yuav muab rau cov neeg siv khoom? Raws li cov Cov neeg siv khoom Financial Protection Bureau, koj yuav tsum ua muab ib tsab ntawv TILA nthuav tawm , ua ntej koj yuav tsum raug cai los them cov nyiaj qiv. Qhov tseem ceeb ntawm kev pom nws ua ntej koj yuav luag tsis tuaj yeem overstated.

Ib yam li ntawd, nws tau nug, qhov kev tshaj tawm TILA yog dab tsi?

Qhov tseeb hauv Lending Act ( TILA ) ntawm xyoo 1968 yog lub tebchaws United States tseemfwv txoj cai tsim los txhawb kev paub txog kev siv cov neeg siv khoom credit, los ntawm kev xav tau qhia tawm hais txog nws cov nqe lus thiab tus nqi los ua qauv raws li cov nqi uas cuam tshuam nrog kev qiv nyiaj raug suav thiab nthuav tawm.

Vim li cas APR yuav tsum tau tshaj tawm?

Thaum twg qiv nthuav tawm tus nqi quote, lawv kuj yuav tsum nthuav tawm tus APR . Yog vim li cas rau lub luag hauj lwm tseem ceeb ntawm lub APR yog tias nws rub ua ke cov paj laum thiab ntau yam ntawm cov nqi pib mus rau hauv ib qho kev ntsuas ntawm tus nqi qiv rau tus qiv.

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