APR  antey emti ?
 varshika chaarji raetu  (APR),  konnisarlu naamamaathrapu  APR ki mariyu konnisarlu prabhaavavamtamaina  APR (EAPR) ki sambamdhinchina padm ,  vartimpajesinatlugaa kevalam nelavaaree rusumu / raetu kakunda motham samvatsaranike  ( vaarshikeekarinchabadina )  vaddii raetu .  runam ,  thanakhaa runam ,  credit card modalaina vaatipai .  idi varshika raetugaa vyakteekarinchabadina finances chaarji .

 aa nibaddhanalaku konni deshalu ledha chattaparamyna adhikaara paridhiloo adhikarika ,  chattaparamyna nirvachanalu unnayi ,  conei uunited stetes ‌ loo :
(1)  naamamaathrapu  APR  anede sadarana - vaddii raetu  ( samvatsaranike ).
(2)  prabhaavavamtamaina  APR  rusumu + sammelhana vaddii raetu  ( savatsaram antataa lekkinchabadutundi ).