Halkee ayaan ka heli karaa lacag badan: dalabyo credit caan

Malaha waxaa qof kasta oo nolosha jira xaalado marka degdeg loogu baahan yahay lacag. "Halkee ayaan ka heli karaa lacagta loo baahan yahay?" - su'aasha ah in ay muddo dheer ku silcayaa tirada ugu badan ee muwaadiniinta walaalahooda. Waqtigan xaadirka ah, isla markiiba heli qadarka loo baahan yahay oo kaliya in la tilmaamayaa karaa in hay'adda credit iyo soo saaray heshiis amaah ah. Adeeggan waxaa helo in dadka sannadihii la soo dhaafay ka mid ah dadka ku nool dalka. Tan waxa u sabab isbedel la taaban karo ee beeraha sharciga iyo dhaqaalaha ee Russia.

kaararka deynta iyo isticmaalka

Mid ka mid ah jawaabaha ugu caansan in su'aasha ah: "? Halkee ayaan ka heli karaa lacag aad u badan" - waa design of credit card. Adeeggan waxa uu noqday sidaas oo caan ah in hay'adaha badan oo dhaqaale ku tuuraan khayraadka oo dhan ku saabsan horumarinta aagga this, oo daboolaya qaybo ka mid ah daymaha amaahda iyo baabuur. Maxaa ka dhigay credit card waa sidaas oo caan ah ka mid ah macaamiisha;

• muddo Grace - dhererka waqtiga ka 45 ilaa 60 maalmood, inta lagu guda jiro kaas oo amaahdaana isticmaali kartaa lacagta ee bangiga, at go'aankeeda for free. Doorashadan waxa uu noqon karaa mid jawaabta su'aasha ah "halkaas oo si aad u hesho lacag aad u badan", laakiin tiro aad u yar oo ka mid ah dadka isticmaala si ay u fahmaan marka uu bilaabo xilliga nimcada ah. Bank ayaa u aragto, laga bilaabo taariikhda la soo dhaafay warbixinta, oo aan laga bilaabo wakhtiga ka bixitaanka lacag ATM, sida badan si qalad ah u rumaysan.
• Wareegi line credit - amaahdaana heli kartaa lacagta cusub ee daynta sida ugu dhakhsaha badan si amaah ah hadda loo abaalgudi doonaa. Sidaas darteed, user ka keeni kartaa xaddi gaar ah, dib u bixiso daynta, ka dibna u hesho lacagta sida cusub. Waxaad uma baahna doonaa waqti dheeraad ah si ay u soo booqato laanta bangiga iyo bixiya waraaqaha ama damaanado.
• Daacad ah design - si aad u hesho credit card waa ku filan oo ay keenaan in bangiga baasaboor Ruush sax ah iyo mid kale oo ka mid ah aqoonsiga oo sawir ah. Tani waa lagama maarmaan si uu uga hortago qorsheyaasha been abuur kala duwan.

Iyadoo qayb ka ah credit card ka heli kartaa ilaa 300 oo kun oo rubles ka yar 40% sannadkii. Ka dib markii muddo nimcada user ku bixin doontaa 5 ilaa 10% ka mid ah waajibaadka guud iyo inta ugu yar ee lacagaha.

daynta Consumer, ama jawaab su'aasha ah: "Waxaan doonayaa inaan lacag badan, ? halkaas oo si aad u hesho"

Hab kale oo ay u helaan lacagta loo baahan yahay ee lacag caddaan ah waa design barnaamijka macaamilka. In qaabka guud ee amaahdaana kasta ka heli kartaa 10 kun ilaa 10 million rubles. Waayo, diiwaangelinta noqon doonaa shuruudaha soo socda waa in la buuxiyaa:

• soo gudbiyaan foomka codsiga,
• si ay u bixiyaan kaar aqoonsi iyo baasaboor - alaabta, kuwaas oo ku filan in uu soo saaro lacag dhan ilaa 500 oo kun oo rubles,
• soo gudbiyaan shahaado shaqada on heerka dakhliga iyo dhererka guud ee adeegga - waayo wadarta 1.5 million rubles.
• damaanad ama guaranty shayga sida baabuur caawin doona hesho credit ka 1.5 ilaa 3 million rubles oo noqon doonaa jawaab wanaagsan in su'aasha ah ee, halkaas oo si aad u hesho lacag aad u badan .;
• rahaamad qaab hantida maguurtada kaa caawin kara inaad heshid dayn 3 ilaa 10 million. rubles, si loo ogaado lacagta saxda ah bangiga yeelan doonaan in ay soo kiraystaan appraiser a professional.

Waqtigan xaadirka ah, macaamiisha celceliska dalka horeba waa inuu jiraa su'aasha ma sida in meesha aad ka heli lacag aad u badan. Maanta, hay'ad walba oo credit siin karaan macaamiisha ay ku dhowaad inta aad doonto ee lacagta. Hawsha ugu wayn maanta waa amaahdaana ee qeexidda dhabta ah ee baahida iyo awooda inuu dib u bixiyo deynta jira.