Iyini i-APR?
Inkulumo ethi iphesenti lonyaka lokukhokhelwa (APR), ngezinye izikhathi elihambisana ne-APR enamagama futhi ngezinye izikhathi ne-APR esebenzayo (EAPR), iyinani lenzalo lonyaka wonke (eliguqulwe ngonyaka), kunokuba kube nje inkokhelo / isilinganiso sanyanga zonke, njengoba sisetshenziswa emalini ebolekiwe, emalini ebolekiwe yasendlini, ekhadini lesikweletu, njll. Kuyinhlawulo yezezimali evezwe njengenani lonyaka.  La magama anezincazelo ezisemthethweni emazweni athile noma ezindaweni ezithile, kodwa e-United States: (1) I-APR ebekiwe iyinani lenzalo elula (ngonyaka). (2) I-APR esebenzayo iyimali ekhokhwayo + isilinganiso senzalo ehlanganisiwe (esibalwa unyaka wonke).