Credit Consumer shaqsiyaadka - yara runta ka khabiir ku ah

The adeegyada ugu caansan ee ay bixiyaan bangiyada ganacsiga - taasi waa qof credit macaamiisha. Oo layaabna ma leh, maxaa yeelay, noocan ah ee daynta keeni kartaa dakhli wanaagsan ee hay'adaha maaliyadeed ee dalka. Tan waxa u sabab weyn dulsaarka. Sidaas daraaddeed, muddo sannad ah, iyada oo guddi account oo xiiso overcharged macaamiisha ku saabsan 40% of daynta.

credit Consumer shaqsiyaadka: sifooyinka qaar ka mid ah

suuqa - shaqsiyaadka soo kiraystay shaqaalaha. Credit soo saaray oo kaliya shaqaalaha la soo kiraystay. lacagta amaahda ku xiran tahay tirada mushaharka la soo dhaafay. Xitaa haddii dalalka advertising bangiga ee ah in aragti ahaan waxaad ka heli kartaa qadar weyn oo lacag caddaan ah, credit yar loo xisaabin doonaa oo kaliya ku salaysan dakhligaaga. Asal ahaan, xaddiga amaah ugu badan wuxuu ku saabsan yahay saddex mushahar bil walba. Ka dibna, haddii qofka ee waqti si ay u gutaan waajibaadka, bangiga kicin laga yaabaa in xadka lix celcelis ahaan mushaar bil kasta ee amaahdaana.

Heerka dulsaarka amaahda macaamilka dadka dabiiciga ah waa ka sii badan alaabooyinka kale amaah. Tan waxa u sabab sare khatarta credit: Dhab ahaantii, noocan ah amaah aan xaqiijisatay by dammiin. Intaa waxaa dheer, waxaa had iyo jeer waa halis ah aadanaha shaqada ka eryay, ka dibna dhacdo ee lacagta la bixin. wax No sida credit ah macaamiisha hooseeyo - waa shirkadaha maaliyadeed shirqool marketing. Iyada oo dulsaarka hoose waxa ay noqon doontaa wax tar lahayn, waayo, bangiga.

La doorbidayo ka hor doorashada deyn bangiga barato shuruudaha amaahda. Waxaa jira xaalado in mid ka mid dulsaarka kaliya la maqli karo ee advertising, laakiin xaqiiqo ahaan waxaa jira guddi bil kasta, caymiska iyo wixii la mid ah.

Checks in amaahdaana bangiga marka aad amaah ah?

bangiga kasta oo isku dayaya inuu u ciyaaro ammaan ah iyo in la yareeyo halista ay. Sidaa darteed, marka deynsanaya waxaa laga codsanayaa in ay soo saaraan deynta macaamiisha shakhsiyaadka, bangiga fuliyo kormeerka dhamaystiran.

The ugu horeysay xaqiijin iyada oo loo marayo xafiiska credit amaahdaana (CRB). Haddii aad hore u qaaday oo amaah ah, xafiiska credit waxay soo saari doontaa codsi ku saabsan macluumaadka ku saabsan bangiga furashadiisa, iyo sidoo kale dhalin aad rating. From macluumaadkan ku xiran tahay go'aanka dheeraad ah bangiga amaahda amaahdaana iman kara.

hab bangi kasta taariikhda credit kala duwan yahay, qaar ka mid ah qaado macluumaadka ee labadii sano ee la soo dhaafay, kale muddo shan sano ah.

Waxaan jeclaan lahaa inaan xuso macaamiisha credit aan weydiimaha ku saabsan dakhliga. Xaddiga daynta sida aad uga yar tahay la weydiimaha iyo heerka - badan. Sidaa darteed, si ay u isticmaalaan amaah noocan oo kale ah waxaa lagula talinayaa oo keliya xaaladaha khatarta ah.

Points si ay u eegaan deynsanaya iman kara

• Ka hor inta aadan qaadan daynta, waxaad u baahan tahay in aad ka fikirto si aad u wanaagsan waqtigan. Baahneyn muhiim ma aha in ay qaataan.
• Waa inaad taxadar waxa lacagta raaxo amaah ah, kaas oo aan ka badnayn 25% dakhliga saafiga ah. Xaaladdan oo kale, amaahdaana noqon doonaa lacag oo lacag la'aan ah, loogu tala galay ujeedooyin kale.
• Ha qaadan credit "in jallo ah", tan iyo isbeddel ku hoos mushaar keeni doontaa in dibjirnimada amaah ah.
• Isha ku hay on taariikhda credit aad, sababtoo ah ma ogaan kartid waxa dhici kartaa in nolosha, si is ogow of mustaqbalka.