{"id":1428,"date":"2023-08-07T13:00:04","date_gmt":"2023-08-07T11:00:04","guid":{"rendered":"https:\/\/regbu.com\/?p=1428"},"modified":"2025-09-05T07:40:17","modified_gmt":"2025-09-05T05:40:17","slug":"urokove-sazby-ktere-musite-znat","status":"publish","type":"post","link":"https:\/\/regbu.com\/fi\/korot-jotka-sinun-on-tiedettava\/","title":{"rendered":"Korot, jotka sinun on tiedett\u00e4v\u00e4"},"content":{"rendered":"<p>Korko on k\u00e4site, joka liittyy l\u00e4heisesti\u00a0<strong><a href=\"https:\/\/regbu.com\/fi\/jalleenrahoitus-vs-konsolidaatiolainat\/\">j\u00e4lleenrahoittamalla<\/a><\/strong>, lainat ja kaikenlaiset luotot. Numeerinen arvo, joka kertoo, kuinka paljon rahaa p\u00e4\u00e4dyt maksamaan liikaa. Kun lainaat rahaa, maksat korkoa p\u00e4\u00e4oman lis\u00e4ksi. T\u00e4m\u00e4 on er\u00e4\u00e4nlainen korvaus lainanantajalle. Korko liittyy moniin rahoitustuotteisiin.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Lainat<\/li>\n\n\n\n<li>Kiinnitykset<\/li>\n\n\n\n<li>S\u00e4\u00e4st\u00f6t<\/li>\n<\/ul>\n\n\n\n<p>Yksitt\u00e4iset korot ilmoitetaan prosentteina. N\u00e4m\u00e4 ovat yleens\u00e4 <strong>prosenttiosuus p\u00e4\u00e4omasta<\/strong>. Monissa tapauksissa t\u00f6rm\u00e4\u00e4t sitten kiinnostaviin lyhenteisiin. T\u00e4llaiset termit voivat olla eri muodoissaan ja merkit\u00e4 lopulta aina jotakin erilaista.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Korkokannan m\u00e4\u00e4rittely<\/h2>\n\n\n\n<p>Kun luet mink\u00e4 tahansa lainan ehtoja, \u00e4l\u00e4 katso vain itse numeroa. My\u00f6s prosenttiluvun taustalla olevat tiedot ovat t\u00e4rkeit\u00e4. Jos haluat tiet\u00e4\u00e4 kunkin koron lyhenteet, lue alla oleva taulukko.<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table><tbody><tr><td><strong>Shortcut<\/strong><\/td><td><strong>Tiedot<\/strong><\/td><\/tr><tr><td>p.a.<\/td><td>Vuotuinen korko<\/td><\/tr><tr><td>p.s.<\/td><td>Puolivuosittainen korko<\/td><\/tr><tr><td>p.q.<\/td><td>Nelj\u00e4nnesvuosittainen korko<\/td><\/tr><tr><td>p.m.<\/td><td>Kuukausikorko<\/td><\/tr><\/tbody><\/table><figcaption class=\"wp-element-caption\">Korkomerkinn\u00e4t ja niiden merkitys.<\/figcaption><\/figure>\n\n\n\n<p>Lyhenne p.d., joka tarkoittaa sanontaa per diem, ei tietenk\u00e4\u00e4n ole poikkeus. Kuten luultavasti kaikki t\u00e4m\u00e4n artikkelin lukijat oikein arvaavat, <em>t\u00e4m\u00e4 on p\u00e4ivitt\u00e4inen korko<\/em>. Varmista ennen lainasopimuksen allekirjoittamista, ett\u00e4 lasket koron oikein, sill\u00e4 erot voivat olla merkitt\u00e4vi\u00e4.<\/p>\n\n\n\n<p>Kun korko on 3 % vuodessa, maksat itse asiassa vain 3 % vuodessa liikaa. Jos sopimuksessa kuitenkin mainitaan 3 %:n vuotuinen korko, se tarkoittaa, ett\u00e4 korko on puolivuosittainen. Maksat siis ylihintaa 6 % vuodessa.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Mik\u00e4 korko on t\u00e4rkein?<\/h3>\n\n\n\n<p>Jotta se ei olisi liian helppoa, voit t\u00f6rm\u00e4t\u00e4 useisiin eri korkotyyppeihin. Klassisen koron ei kuitenkaan pit\u00e4isi olla l\u00e4ht\u00f6kohtasi. Aseta p\u00e4\u00e4paino korkoon, joka k\u00e4tkee sis\u00e4\u00e4ns\u00e4 kaikki siihen liittyv\u00e4t maksut, ja n\u00e4et yhdell\u00e4 silm\u00e4yksell\u00e4, miss\u00e4 tilanteessa olet. Todellinen vuosikorko on juuri sit\u00e4. <strong>lyhennettyn\u00e4 APR<\/strong>. Itse arvo edustaa korkojen ja muiden maksujen yhdistelm\u00e4\u00e4 vuodessa. N\u00e4m\u00e4 ovat yleens\u00e4 tilinhoitomaksuja jne. Opettele lukemaan korkoja ja v\u00e4lt\u00e4 tulevat haitat.<\/p>","protected":false},"excerpt":{"rendered":"<p>Korko on k\u00e4site, joka liittyy l\u00e4heisesti j\u00e4lleenrahoitukseen, lainoihin ja kaikenlaisiin luottoihin. Numeroarvo, joka kertoo, kuinka paljon rahaa p\u00e4\u00e4dyt maksamaan liikaa. Kun lainaat rahaa, maksat korkoa p\u00e4\u00e4oman lis\u00e4ksi. T\u00e4m\u00e4 on er\u00e4\u00e4nlainen korvaus lainanantajalle. Korko liittyy moniin rahoitustuotteisiin. Yksitt\u00e4iset korot annetaan ... <\/p>","protected":false},"author":2,"featured_media":1429,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[3],"tags":[626,1750,1752,1751,618,1728,1747,1748,613,1727,1749,1746],"class_list":["post-1428","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-finance","tag-hypoteky","tag-p-a","tag-p-d","tag-p-m","tag-pujcky","tag-rpsn","tag-sazba","tag-sazby","tag-sporeni","tag-urok","tag-urokova-sazba","tag-urokove-sazby"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.3 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>\u00darokov\u00e9 sazby, kter\u00e9 mus\u00edte zn\u00e1t - REGBU.COM<\/title>\n<meta name=\"description\" content=\"Poznejte \u00farokov\u00e9 sazby do detailu. 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