Waayo, kuwa doonaya in ay bartaan oo ku saabsan waxa bangiga siinayaa amaah ah ilaa 18 sano

Hubi in badan ku heshiin doonaa in sanadaha hore waxaa si gaar ah loo baahan yahay lacag ah ayaan ahay, maxaa yeelay, waa marxaladan ee nolosha qofka ayaa doonaya inuu nafsaddiisa iyo isku diyaarinaya madal si ay u ogaadaan laftiisa mustaqbalka. Waxaa cad, waxaas oo dhan waxay u baahan tahay maalgashi si caddaalad ah la taaban karo dhaqaale in qof kasta oo aan leeyahay. Xaggee, tusaale ahaan, ka qaaddaa lacagta ee waxbarashada sare? Oo sidaas maaha oo dhan articles of dhallinyarada wiilasha iyo gabdhaha kharashka. Dharka, cuntada, madadaalada - in ay fiiro gaar ah u dhammaan. Waxa ugu horreeya ee ku soo dhaca maskaxdooda waa inaad soo amaahato ka qaraabo ama saaxiibo.

Iyo waxa haddii ay, sidoo kale, ma aha hodan? Kaliya hal wax - inaad soo amaahato lacag bangiga. Si kastaba ha ahaatee, tani ma aha sida sahlan sida ay u muuqato. First of dhan aad u baahan tahay in la ogaado oo bangiga siinayaa amaah ah ilaa 18 sano. Sida dhaqanka shows, aan oo dhan oo ka mid ah hay'adaha maaliyadeed kor ku xusan si wanaagsan u xaliyaan arrinta, oo garanaya in amaahdaana - Ardaygu caadiga ah. Si kastaba ha ahaatee, si tartiib ah xaaladda ardayda jaamacadaha la beddelo mid ka fiican, maxaa yeelay, da'dan, kuwa badan oo iyaga ka mid ah u hesho shaqo oo ay leeyihiin mushahar deggan.

Fiirsaneysa inay su'aasha ah oo bangiga siinayaa amaah ah ilaa 18 sano, waxaa la ogaadaa in shuruudaha u bixinta ma aha wax dadka dhalinyarada ah ka yihiin heerka kala duwan.

laga jaray daynta

Dabcan, marka ay u baahan yihiin lacag si degdeg ah, dadka ku heshiiyaan in ay wax dalabaadka ay u soo laabtay. Ma habboon tahay in aan u sameeyo? Or, laga yaabee, waxa fiican in aad samir iyo wax ka badan ku habboon? Aynu baaraan.

Sidaas daraaddeed, Ninkii dhallintayaraa ee ogaaday nafteyda waxa bangiga siinayaa amaah ah ilaa 18 sano. Gargaartay in uu u dhaco si qaab dhismeedka maaliyadeed, kuwaas oo shaqaalaha sharaxay in lacag aad u badan oo lacag ah, wuxuu tirin karaa (ilaa 50 kun oo rubles), halka dulsaarka amaah ah - ma u yar. Obiralovka? Haa, nasiib darro, inay sidaas tahay, oo halkan la beddelo nin dhallinyaro waxba ma samayn karo, wuxuu sidoo kale ogolaaday in uu soo jeediyay ama ma. Laakiin by ogolaaday, xusuuso: waxaad bixin lahaa biilasha.

Yaa shuruudaha wanaagsan ugu

Aan u qeexaan waxa bangiga siinayaa amaah ah ilaa 18 sano, iyada oo xaaladaha wanaagsan ugu?

Khubarada ku talinaynaa in, ugu horreeya oo dhan, si aad u xeel dheer la soo jeediyey ee Bank Savings ah, "VTB 24", "Raiffeisen Bank", "Tinkoff" iyo "Privatbank". Waa in la ogaadaa in labada hay'adaha maaliyadeed ugu horeysay waxay leeyihiin barnaamijyo si fiican loo qorsheeyay oo ah heshiis amaah ah - waxay lacag siiyaan si ay xaaladaha shaqsiga. Haddii aan ka hadlo "Privatbank", qaab-dhismeedka this siin karaan amaah ah in lacagta 150 kun rubles muddo 4 sano ah, hoos xaaladda 35% sannadkii.

Waa in la tixgeliyaa dalab ee bangiga "Tinkoff" Iyada oo daryeel weyn, taas oo bixisa guud ahaan 12.5% sannadkii. Si kastaba ha ahaatee, waayo, dulsaarka ku yar yahay sida laga yaabo in ay ku dhuumanayaan arsenal ah guddiyada taas oo si weyn u kicin.

documents

Sidaas daraaddeed, waxa ka mid ah waraaqaha layska rabo, in credit oggolaaday hay'ad maaliyadeed ah (lacagta caddaanka ah) iyadoo 18 sano?

Waa in la ogaadaa in ay sabab u tahay tartanka weyn ee suuqa, qaab-dhismeedka kasta dhaqaale ka dhigaysa dadaal kasta oo ay ku darto liiska macaamiishooda.

In kasta oo xaqiiqda ah in arrinta daynta 18 bangiyada aad raalli ka ah, wax badan oo ka mid ah ayaa weli ayaa fududeeyey geeddi-socodka diiwaan-gelinta oo ka mid ah waraaqaha loo baahan yahay. Haddii hore waxaa lagama maarmaan ahayd in la diiwaan loobahanyahay ee amaahdaana, hadda waa ku filan tahay in ay soo bandhigaan baasaboor. Si kastaba ha ahaatee, waxaa lagama maarmaan ah in ay farayaan in kor ku xusan waa ku run kan, waayo kiisaska lacagta amaahda ma aha mid aad u weyn (ilaa 30 kun oo rubles). Haddii aad doonayso in aad diyaarin amaah bangi for qadar weyn ah, laga yaabaa in aad u baahan tahay si ay u siiyaan macluumaad ku saabsan dakhliga ama in damiin.

credit dalabyo

Ina keena aynu u falanqeeyaan ugu soo jeedinta wax caadi ah , waayo, laguna soo ee amaahda. Halka aad ka heli kartaa credit muddo 18 sanno ah? Waxaa jira dhawr kala duwanaansho, iyo ukazhdogo qaababka ay. Baadh our mini-u eegida, ma aha in miscalculate leh doorashada. Sidaas ...

"Beeraha Bank"

Tani waxay u ogolaaneysaa hay'ad maaliyadeed in ay soo saaraan credit ee dadka ayaa gaadhin da'da ilaa 1 milyan oo rubles. Waa in la ogaadaa in muddada deynta dhaxayn karo lix bilood ilaa shan sano. The ugu yaraan dulsaarka dhigay 12.5% sannadkii iyo ugu badnaan - 18% sanadkii, waqti isku mid ah waxay ku xiran tahay in, waxa muddo waqti ma aad gelin deynta. Si loo siiyo credit in lacagta 300 kun rubles si aad u hesho a la-saxeexe ah.

bangiga kaydka

The qaab-dhismeedka maaliyadeed kor ku haya arrin doorashada oo kakan ee deynsanaya, iyo fursadaha ka heli lahaa deynta la siiyo ardayda xad waa yar yahay. Dadka dhallinyarada ah, kuwaas oo u soo jeestay in Bank Savings ee processing amaah loo baahan yahay waa in la helo damiin ah, oo waa inay noqoto qaraabada. Waxaad sidoo kale u baahan doontaa shahaado dakhliga ma aha oo kaliya wax amaahdaana laakiin sidoo kale damiin ah. Caddadda lacag u amaahannay noqon kartaa ilaa 3 million rubles. Waxay yeelan doonaan in ay soo noqdaan in 5 sano. Heerka dulsaarka ugu yaraan waa 16.5% sannadkii, ugu badnaan - 24.5% sannadkii.

GE Money Bank

Baanka ayaa dadka soo saari doonaan 18 sano credit ilaa nus milyan rubles. Ku noqo lacagta ay tahay in ay dhamaadka 5 sano.

Heerka dulsaarka ugu yaraan waa 19.9% sannadkii, ugu badnaan - 24.5% sannadkii. Tusmada kaliya gabdhaha amaah noocan oo kale ah kartaan. Haa, in xayiraad sida.

"Ruush Standard"

hay'ad bangiyada Tani waxay si gaar ah loogu talagalay dhallinyarada saaray credit card "Ardayga." Ugu badnaan heli karo si ay 150 kun, la siiyaa 29% sannadkii.

By jidka, waxaa jira xilliga nimcada ah. Waayo, laguna soo ee kor ku xusan wax soo saarka bangiyada qofka da'da yar waa inay soo gudbiyaan shahaado of deeq waxbarasho ama mushahar.

gunaanad

Dabcan, qayb weyn oo ka mid ah dadka dhallinyarada ah waxaa madaxooda xoqidda badan halkaas oo in ay qaataan credit ah. 18 sano - tani ma aha sabab macquul in ay dayacaan noocan oo kale ah, gaar ahaan xaaladda halkaas oo lacagta loo baahan yahay sida hawada. Si kastaba ha ahaatee, waa in aad si dhab ah u eegaan aad iman kara dhaqaale oo loo xisaabiyo in horay haddii aad awoodo inaad samayso lacagaha waqtigii amaah uu noqon doono. Haddii aan, ka fikrad this waa in la tagay, ma si aad u hesho galay addoonsiga deynta.