Sida loo doorto amaah bangi, ma aha in lacag

Currently, bangiyada bixiyaan tiro balaadhan oo ah alaabta amaah ku xiran tahay ujeedada, joogitaanka rahmad, markii si looga baaraandego codsigaaga ah, marka la eego qaab amaah ah, iwm Sida loo doorto wax soo saarka ah oo aan si lacag on dulsaarka? Tixgeli amaah bangi iyo noocyada ay.

The mabda'a weyn ee amaahda: sare ee halis-taxne daynta, sare ee boqolkiiba deynta. Halista ka mid ah dakhliga by amaahdaana, ilaha dakhliga, khasaare, xatooyo, dhaawaca ku rahaamad ka, damiin lahayn, amaahda muddada-dheer, jir ama da 'aad u yar ee wax amaahdaana iyo wixii la mid ah. Sidaa darteed, ka hor inta aanad siin deyn bangi, bank wuxuu doonayaa si loo yareeyo halista ay ay u baahan hadal dakhliga, nuqul ka mid ah buugga shaqada, diiwaangelinta ee rahaamad, lug ka mid ah ama ka badan damiin, caymiska nolosha iyo caafimaadka ee amaahdaana (gaar ahaan marka bixinta deynta muddada dheer), caymiska dammiin ah.

The amaah bangiga ugu caansan - amaah ah baahida macaamiisha. Waxa la soo saaray for iibka ah ee qalabka guryaha, qalabka dhismaha, qalabka korontada, baabuurta iyo wixii la mid ah. Waxaa u qaybsan yahay bartilmaameedka oo aan diirada. credit macaamiisha Target la sameeyo si gaar ah loogu iibka ah ee wax soo saarka gaar ah ama hantida, tusaale ahaan, baabuur, guri guri dabaq ah, dayactirka guryaha, waxbarashada. On target dulsaarka amaah waa ka hooseeyaa ee aan bartilmaameedka, sababtoo ah khatarta bangiga ayaa waxaa lagu yarayn karaa ansixin ee iibsaday ama cusboonaysiiyey hantida rahmad.

Haddii aad u baahan tahay lacag tababar, fiiro gaar ah u line noocan oo kale ah credit sida deynta ardayga la kab gobolka (heerka guud - 11.25%, taas oo wax amaahdaana bixiya kaliya 5,06% muddo ah waxbarasho ilaa 10 sano) iyo iyada oo aan kaalmo dhaqaale (12 % APR ilaa 11 sano). List of jaamacadaha ka qeyb qaadanaya barnaamijka ee kabidda amaahda waxbarashada, ansixiyey Wasaaradda Waxbarashada. dulsaarka ku saabsan waxbarashada aad uga yar tahay ee amaahda kale macaamiisha. Intaa waxaa dheer, waxaa jira muddo nimcada bixinta maamulaha iyo dano.

Bank amaah baabuur (amaah baabuur) ka duwan macaamiisha bartilmaameedka si aad u iibsato baabuur in ay diiwaan-rahmad gaariga waa waajib. Si loo yareeyo khataraha ka luma rahmad, bangiyada waxay u baahan yihiin si ay u hubiyaan gaariga ma aha oo kaliya on CTP ah, laakiin sidoo kale in Hull. PTSD oo nuqul ka mid ah shahaadada diiwaangelinta baabuurka iibsatay weli bangiga ilaa bixinta buuxda ee daynta. Yaraynta sidaas halista xisaabtaaysa kuu ogolaanayaa inaad dhigay heerka hoose dulsaarka amaahda baabuurta (ka 14.5%). In my opinion, haddii gaariga cusub la iibsaday ka ganacsada idman, waa in aad doorato amaah baabuur, raaceen by rahaamadda. Sababaha ugu waaweyn: dulsaarka hoose deynta iyo canshuuraha hooseeyo CASCO for baabuurta cusub. Sannaddii kowaad ee isticmaalka gaariga CASCO u baahan tahay si ay u iibsadaan ma aha oo kaliya ay sabab u tahay xaqiiqda ah in ay tahay shuruud ah bangiga, laakiin sidoo kale aawadood oo hurdo si nabad iyo drive. Haddii baabuurka la iibsaday gacan labaad, iibiyaha Deris ama saaxiib, waa in aad rasmiyaynayso credit macaamiisha si aad u iibsato gaari aan diiwaan dammiin. dulsaarka waxa uu noqon doonaa wax yar ka badan amaah gaariga la dammiin. Under amaah bangiga abuurayaa shuruudaha sanad model gaariga, waayo, taasu waa in ay "wax ka badan" 5-8 sano (kasta bank eego credit ay, waxaan xusayaa ugu badan). Ka dib iibsan bangiga u baahan doontaa si aad u xaqiijisid in aad soo iibsatay baabuur, oo aadan lacag wax kale qaataan. Keena in PTAs Bank iyo shahaadada diiwaangelinta baabuurka, shaqaalaha bangiga ee ka dhigi nuqul ka mid ah waraaqaha, kuwa asalka ah waxaa lagu soo celin doonaa. Haddii aad soo iibsato baabuur, ma hoos ku shuruudaha kor ku xusan, ma jirto wax ka tagay marka laga reebo sida ku dhaansato ah amaah macaamiisha caadiga ah ama credit baahida deg-deg ah. Heerka dulsaarka ee alaabta amaah waxay ka bilaabantaa 17-18% sanadkii ay shardi tahay in damiin.

The ugu caansan iyo si fudud u heli karaan dadka deggan ugu of Russia waa amaah bangi xaqiijisatay by hantida maguurtada ah (mortgage). Tan waxa u sabab xaqiiqada ah in dulsaarka iyaga on sidaas ma aha kala duwan oo ka soo deynta macaamiisha bartilmaameedka (12% sanadkii). Amaahda siiyo muddo dheer, shuruudo adag in loobahanyahay iyo da'da amaahdaana. Sida ku xusan Agency for Mortgage amaahda (AHML), Russia celceliska dhigi soo baxay mortgage ah 17 sano, iska bixiyo muddo 10 sano ah. Laakiin xitaa la xiro hore ee dheeraadka ah amaah ku hesho ah sumalka uguma. xaaladaha waajib ku ah mortgage ah: joogitaanka shaqo joogto ah, rahaamad hantida helay, qiimeeyaan iyo caymiska hantida, lacagta bilowga ah ee 10-15%.

Haddii aad rabto in aad si loo badbaadiyo on xiiso bangiga, waa in is ogow of taariikhda credit aad, lacagta waqtiga loogu talagalay lacagta bil kasta, isku day in aad dalbato amaah ah in hal ama laba bangiyada, kaas oo aad sumcad credit la abuuri doonaa. bangiyada deynsanaya Constant oo lagu kalsoonaan karo waxay bixiyaan heerka amaah ahaaneed iyo shuruudaha credit dheeraad ah oo dabacsan. Ka bilow taariikhda credit aad la furo kartaa credit card sida bangiga la isku halayn karo si uu u furo marka la eego credit, oo aan lahayn ujrada ku maqan. Sida laga soo xigtay map this aad mararka qaarkood ku bixin kartaa gadashada ee hadda iyo bixiyo deynta lagu jiro preiod nimcada, aan bixin xiiso ilaa 50 maalmood. Bangiyo badan "siin" kaadhka bilaashka ah sannaddii kowaad oo adeeg.

caarada oo kale oo loogu talagalay kuwa raba in uu badbaadiyo deynta bangiga - isku day in aad u qaadato in bangiga, taas oo card aad wareejiyay mushaar. Certificate of mushaar iyo buugga shaqada bangiga aad xaqiiqdii uma baahna doonaa iyo sidoo kale bixiyaan dulsaarka ahaaneed deynta badan.