Daymaha shakhsiga ah: Soon ee waraaqaha, shuruudaha

Baahida loo qabo lacag caddaan ah kici karo xilligan ugu xumaa. Waxaa lagama maarmaan ah in si degdeg ah oo ku saabsan shuruudaha wanaagsan in la qaato amaah lacag caddaan ah. Ka dibna su'aasha soo baxdo: "? Halkee". Bank ama hay'ad Microfinance (MFI)? In la eego faa'iidooyinka - bangiga, iyo sida ugu dhaqsaha badan - MFIs.

Bank

Iyadoo lagu tilmaamayo in ay codsiga amaah ah bangiga, amaahdaana filayo waa inay bixiyaan xirmo dokumentiyo. The waraaqo dheeraad ah amaahdaana awoodaan in ay bixiyaan bangiga si loo xaqiijiyo xaalka free noqon doonaa, waxay noqon doontaa heerka hoose ee xiisaha waa sannadlaha ah, iyo xaddiga amaahda, on lid ku ah, la kordhiyo.

Maxaad u baahan tahay?

xirmo ka kooban yahay:

- caddaynta aqoonsiga.

- siyaasad caymiska caafimaadka khasabka ah.

- midigta ama shahaadada diiwaangelinta baabuurka.

- baasaboor, waa la jecel yahay in ay goob joog ka ahaa stamps baasaboorada muujinaysa safar dibadda ah 6 bilood ee ugu dambeeyey.

- Tixraacyada shaqada dhabta ah ee dakhliga 12-kii bilood ee la soo dhaafay, ku tuntay oo saxiixay by madaxa ururka.

- Nuqulo ka mid ah oo dhan pages ee buugga shaqada ama dukumentiyada kale xaqiijin kara shaqada. Tani waxay noqon kartaa laga soosaaray ka soo buugga shaqada ama shahaadada saxiixay by madaxa ururka, taas oo ka kooban macluumaad ku saabsan shaqaalaha, uu da 'weyni iyo booska. Ama nuqul ka mid ah heshiiska shaqada. Dhammaan bogagga dokumentiga waa inay ku jiraan ee seal iyo saxiixa madaxa. Khibrad shaqo hadda waxaa waajib ku ah in ay 6 bilood, iyo dhererka guud ee adeegga - aan ka yarayn 12 bilood.

- Shahaadada diiwaangelinta xafiiska canshuurta (INN).

Si aad ugu qalanto amaah ka bangiga ayaa sidoo kale laga yaabaa in u baahan tahay dukumentiyo dheeraad ah:

- card military, (waayo, kuwa aan weli la demin marinka da'da 27 sano ah), iyo in uu maqan yahay - waraaqaha xaqiijin kara jiritaanka dhigista ka tirsaneyd ciidamada;

- asalka ah iyo nuqul ka mid ah soo gunaanaday ama baabi'inta guurka;

- Nuqul ka mid ah shahaadada rumayn lahaanshaha hantida guurtada.

In 2016 ee hadda ay qaataan amaah lacag caddaan ah, amaah, faa'iideystaha yeelan doonaan in ay doortaan bangi oo dulsaar leh ugu soo jiidashada badan. heerka credit Consumer dhaxayn 22-38%, mortgage ah lagu sii dayn doonaa by 11,9-18,8%, iyo deymaha auto ku kici doona 18-24%.

Xidhmada dukumentiyada soo gudbiyeen amaahdaana la baari doonaa by adeegga ammaanka ee bangiga ku 2-12 maalmood oo shaqo gudahood. Ka dib markii in, shaqaalaha bangiga telefoonka ku wargalin doona go'aamada mustaqbalka-faa'iideystayaasha. Cash amaahdaana amaah awood u yeelan doonaan in ay bixiyaan 1 ilaa 3 sano, oo ku salaysan xaddiga amaahda iyo isaga ka qaadaan xiisaha.

Ku dhawaad amaahdaana kasta, kuwaas oo uu leeyahay taariikhda credit buuxa xaq u tirin karaa on helitaanka amaah fiican ee ugu macquulsan. Inta ay wax soo saarka ku xirnaan doontaa dakhliga amaahdaana ee bil kasta iyo kharashka iyo nooca rahaamad in ay bixin karaan.

MFI

Haddii bangiga u baahan go'an adag ee waraaqaha, qasbo amaahdaana in la soo ururiyo macluumaad badan oo samayn koobi bulk of waraaqaha kala duwan, in ay qaataan lacag on credit in MFIs uma baahna raso of waraaqaha. Oo wax kasta oo waqtiga lagu xalin doonaa si deg-deg. negative kaliya - xitaa haddii amaahdaana wada keeni doonaa tiro badan oo ah dukumentiyo xaqiijinaya ay loobahanyahay, dulsaarka weli noqon doono ka badan bangiga. Waxaa intaa dheer, lacagta amaahda ku koobnaan doonaa, gaar ahaan haddii amaahdaana khusaysaa markii ugu horeysay. Iyo xaddiga amaahda la soo saari doonaa oo kaliya in rubles.

Liiska dukumentiyada loo baahan doonaa codsiga, aad u yar oo ka kooban oo keliya hal dhibic - dukumeenti aqoonsi ah.

Waxaa macquul ah in wax amaahdaana waxaa lagu weydiin doonaa in ay bixiyaan document labaad, laakiin halkan, wuxuu iska dooran kartaa ka mid ah liiska, kaas oo ku siin doonaa wax amaahiya.

Bixinta amaah lacag caddaan ah dulsaarka uu noqon doono kala duwan, taas oo ku xidhan sida mikrofinanosovoy urur amaahdaana shaqeyn doono. Heerka dulsaarka ugu yar waxaa marka hore laga codsadaa 0.8 ilaa 2% ah maalin kasta. Iyadoo la raacayo, boqolkiiba sanadlaha tiradu noqondoontaa 292 si ay u 730%.

Abaal marinnaa lacagta amaahdaana waxaa looga baahan yahay in muddo gaaban waqti ka dhowr toddobaad ilaa lix bilood.

Haddii amaahdaana aado MFI ma aha markii ugu horeysay, waxa ay ka filan karto si aad u hesho credit oo kale, marka la eego wanaagsan more. amaah isdabajoog ah waxa lagu gartaa heerka hoos u, kaas oo ku dhawaad 2 jeer hoos. Sidoo kale, wax amaahdaana ka filan karaa in la kordhiyo xaddiga amaahda. Sidaas darteed, shirkaddu waxa uu isku dayayaa in aan la lumin hal qof macmiil ah. Halkan nafsiga waxey imaneysaa - in MFI this loo arko macmiilka halis ah oo wanaagsan marka lacag la siiyo si amaah iyo deeq gunooyinka, sidaas darteed maxaa ka fiican eegto?

credit card

Hab kale si aad u hesho si amaah ah - waa in ay soo saaraan kaarka deynta ah. Sida laga soo xigtay tirakoob, isticmaalka kaararka deynta ka badan saddex meelood hal meel dadka Russia ee.

Maxaa loo baahan yahay in ay fulinta?

Si aad u hesho kaarka amaahda, waxaad u baahan doontaa si ay u ururiyaan set an isku mid ah dokumentiyada, sida credit macaamiisha. Inta lagu guda jiro credit bilowga diiwaangelinta waa in aan ka filan xad credit weyn. Haddii amaahdaana masuul ka in bixinta deynta bil walba noqon doonaa, oo si firfircoon u isticmaasho kaarka, uu credit marinka kordhin doonaa. Ma loo baahan yahay in ay ka baxaan lacag caddaan ah credit card ah. Waa midda koowaade, waxa aan la soo dhaweeyay nidaamka bangiyada, iyo marka labaad, waayo, laguna soo ee lacag caddaan ah ka guddi credit card waxay gaadhi kartaa marinka ka mid ah 5% lacagta soo saaray. Iyo mararka qaarkood, guddiga ka badan waxaa laga yaabaa in xaddiga lacagta bixiyo.

Dulsaarka, xilliga bixinta iyo kharashyada kale

Samaynta kaarka amaahda si aad u hesho si amaah ah lacag caddaan ah oo aanu waqti badan ma qaadan: 1 ilaa 7 maalmood oo shaqo. Mararka qaarkood amaahdaana uma baahna inay tagaan bangiga si aad u hesho - adeega boostada uu guriga soo gelin doonaa credit card.

Ereyga nolosha credit card by celcelis ahaan 3 sano. Sannad kasta, waxaa lagama maarmaan noqon doonaan in ay bixiyaan adeegyada. Inta ay la xisaabin doonaa oo ku saleysan nooca kaarka: Maestro ama Visa, kaarka xadka credit ah, oo lagu daray kharajyada ay gashay adeega bangiga macaamiisha ah ee bangiga. lacagta billaha ah ee amaah uu noqon doono 5% ka mid ah xadka credit ah.

Selection of meel ku haboon amaahda - waa xuquuqdeeda leh ee muwaadin kasta. Waxaa lagama maarmaan ah in ay si wanaagsan u qiimeeyaan awoodaha maaliyadeed, si ay u qorsheeyaan dakhliga iyo kharashka, si ay u sameeyaan ma kharashka finan dib u bixiso deymaha waqtiga oo aan sii dari taariikhda credit ay.