VerzugsZinsen

Enrico Appy

Mayelana nalolu hlelo lokusebenza

LIMBISE INZAKALO 💶
https://sites.google.com/view/verzugszinsen

Njengoba lungekho uhlelo lokusebenza esihlokweni Ukubalwa Kwenzalo Okuzenzakalelayo ku-Google PlayStore, nginqume ukuthuthukisa eyodwa 😉

Uhlelo lokusebenza Inzalo Emisiwe 💶 lukhulula ekubalweni okudinga abasebenzi kakhulu nokunephutha Ngenzalo Emisiwe etholakala lapho abakweletayo bengasikhokhi isimangalo semali ngesikhathi futhi umkweleti ulimala ngokwezimali ngenxa yokwehluleka kwe-im Contract inani lemali eliqinisekisiwe liyavela.

Ngemva kokuphela kwesikhathi sokukhokha kanye/noma isikhumbuzi sokugcina (okuzenzakalelayo enkokhelweni § 280 BGB), umkweleti angafuna isinxephezelo kumkweleta ngaphansi komthetho waseJalimane ngendlela yenzalo ezenzakalelayo (§ 288 Para. 1 Isigaba somthetho 1 BGB).

Izinga lenzalo elizenzakalelayo lengezwa njengenkokhelo ethile ngamaphesenti (ngokuvamile u-5% webhizinisi labathengi kanye no-8% noma u-9% webhizinisi lezohwebo) ezinga eliyisisekelo elishicilelwe ingxenye yonyaka 📉 by i-Deutsche Bundesbank (kusukela ngomhla ka-01/01/2002 ngokuvamile ngomhla ka-01/01 kanye no-07/01 wonyaka ngamunye) futhi isimangalo esisele sibalwa nenzalo yosuku (kuye ngokuthi inzalo ekhethiwe) ngale nzalo ezenzakalelayo .

"Isilinganiso esiyisisekelo ngokuya nge-§ 247 BGB:"
https://www.bundesbank.de/de/bundesbank/organization/agb-und-ordnungen/basiszinssatz-607820

Izilinganiso zenzalo zingu-30/360 (zisasabalele eJalimane),
ukwenza/ukwenza (izinsuku zenzalo zezinyanga nezinsuku zonyaka ngokwekhalenda langempela, okuhlanganisa iminyaka enqamulayo enezinsuku ezingama-366 onyakeni), act/360 (Euro indlela yokwenza inzuzo) noma i-act/365 (ingavamile kakhulu futhi itholakala emazweni ase-Anglo-Saxon) kanye nezinhlangothi ezinkontileka ezibandakanyekayo njengabathengi noma abathengisi.

Ngakho-ke lokhu okulandelayo kuyasebenza: izinga lenzalo elizenzakalelayo = isilinganiso esiyisisekelo + inkokhiso

Ngezinga lenzalo elincike esikhathini ezikweletini ezisilele emuva, inzalo yezikweleti ezisilele emuva manje isinyakaziswa kanzima phakathi naso sonke isikhathi sokusilele emuva kuze kufike usuku lokukhokha kubalwa kwenzalo kuze kube usuku lwenani elitholwayo:

Inzalo ezenzakalelayo = inani lesicelo / 100 * izinsuku zenzalo / isihlukanisi senzalo * isilinganiso senzalo esizenzakalelayo

Ngokuya ngomkhuba okhethiwe wenzalo, kunezinsuku zenzalo ezihlukene kanye nesehlukanisi senzalo sokunquma inzalo yemali esilele emuva:

Izilinganiso zenzalo:
------------------------------------------------- -------------
30/360 Unyaka unezinsuku ezingu-360, inyanga ngayinye inezinsuku ezingu-30
I-interest divisor = 360

yenza/yenza Unyaka wekhalenda wangempela ohlanganisa izinsuku zokugxuma ezinezinsuku ezingama-365 noma ezingama-366
Isihlukanisi senzalo = 365 noma 366 eminyakeni ye-leap

act/365 Unyaka wekhalenda wangempela ohlanganisa izinsuku zokugxuma ezinezinsuku ezingama-365 noma ezingama-366
Isihlukanisi Senzalo = 365

Ngohlelo lokusebenza lwe-Android Inzalo ezikweletini 💶, kulula futhi kuphephe kakhudlwana ukuthola umphumela oyifunayo ngaphezu kwesimangalo esisasele + inzalo yezikweletu ezikweletwayo kuhlanganise nezindleko ezingakhokhi inzalo (izindleko).

Uhlelo lokusebenza lokulibazisa INTEREST 💶 lunezici ezilandelayo:

- Ingasetshenziswa UKUNGXHUMANA ngemva kokufakwa
- cha ukugcinwa kwedatha ye-smartphone eyimfihlo njengoxhumana nabo noma i-SMS
- Konke okufakiwe nemiphumela kuhlelwe ngokucacile ekhasini elilodwa lokuboniswa
- ngokuphelele mahhala futhi ngaphandle kokubonisa ukukhangisa okucasulayo
- Ukunqunywa okuzenzakalelayo kwezinga lenzalo eliyisisekelo
- Inkokhiso eyengeziwe encike enanini lenzalo eliyisisekelo noma inkokhiso eguquguqukayo noma egxilile njengenzalo ezenzakalelayo
- Imiphumela yokubala ibalwe kusetshenziswa ukubala okuthuthukiswe ngokukhethekile nge-LibreCalc
futhi iqinisekiswe ku-inthanethi futhi kufanele ihlangabezane nezindinganiso zezibalo zezezimali eziphakeme kakhulu
intando
- Ngokungeziwe esicelweni sangempela, inani lezindleko ezingenayo inzalo lingashiwo
intando
- Londoloza 💾 bese ulayisha 📂 isibalo engxoxweni
- itholakala kuphela ngesiJalimane
- Eminye intuthuko ihleliwe ⚙️🔧...

Uhlelo lokusebenza lusebenza kuma-smartphone namathebulethi 📱 ngokulinganayo ukusuka ku-Android 5.0 (Lollipop) enokulungiswa kwesikrini okunconyiwe okungu-1920*1080 (i-HD egcwele).

Zijabulise nge-DELAY INTEREST 💶

Yini entsha

VerzugsZinsen 💶 💡 N E U 💡 Stand Mi 27.08.2025

1.80 - 1.96: aktueller Basiszins 📉 1.07.2025 bis 31.12.2025: +1,27 %
Android-Version 7.0 bis Android 15 🤖

1.42 - 1.52: Archiv 🗃️: Laden📂 und Speichern 💾 von Berechnungen
KontoPlan teilen 🔗

1.38 - 1.40: Korrekturen ⚙️ KontoPlan / Hinweis auf Offline-Nutzung
1.36: weitere ZinsUsance act/360 hinzugefügt. Kleinere Korrekturen zum Abfangen Eingabefehler...

1.32 - 1.34: Korrekturen KontoPlan 📊
1.24: ErstVeröffentlichung 20.07.2020