Boqolkiiba ugu badnaan saamiga deynta sharci kasta ma qeexo, laakiin bangiyada guud ahaan waxay ku heshiiyaan in xadka aan la dhaafin uu yahay 33% dakhliga la tuuri karo. Si natiijadii aad heshay waxay noqonaysaa in ka badan 33%, codsigaaga credit baabuur waa la diidi karaa.
Intaa waxaa dheer, sidee ku ogaan kartaa haddii deyn la aqbalo? Cunsurka ugu horreeya ayaa lagu xisaabtamayaa falanqaynta faylka waa, xalinta wanaagsan ee macaamilka. Ka dambe waa inuu ku jiraa heshiis joogto ah oo uu leeyahay dakhli si joogto ah loogu shubo akoonkiisa. Dabadeed, awoodda daynta waa in aanay xaaladdu ka badnayn 33%. Heer ka hooseeya heerkan waa xataa faa'iido badan.
Waa maxay waqtiga kama dambaysta ah ee heshiiska amaahda? Tani ogeysiis badanaa waa 45 maalmood, oo macnaheedu yahay iibsaduhu wuxuu leeyahay 45 maalmood waayo, iyada soo hel heshiiska amaahda, haddii kale qodobka hakinta ayaa kansali doona heshiiska iibka. Sidaa darteed waa inaan si dhakhso leh wax uga qabannaa! Isbarbar dhig qiimaha bilaashka ah!
Ururkee si fudud u aqbala amaah? TOP 7 Ururada & Bangiyada kuwaas oo Amaah Si fudud
- FLA Bank.
- Cetelem.
- Advanzia Bank iyo kaarka Zero.
- Bangiga Novum (mini credit Lacag caddaan ah)
- Bangiga Mutualist ee Faransiiska.
- Casden.
- Le credit Dhulka.
Laakiin maxaan u amaahin karin?
Ma jiro pas xaq u yeelashada.
Hay'ad kasta oo bangi ayaa go'aamisa shuruudaheeda si ay u aqbasho codsiga deynta. Bangigaagu wuxuu xaq u leeyahay inuu ku diido deyn haddii ay u aragto in awooddaada lacag bixintu aysan ahayn pas lagu qanco ama in mashruucaagu aad khatar u yahay.
Waa maxay waqtiga kama dambaysta ah ee heshiiska amaahda shakhsi ahaaneed?
Deeqa lacag ka hel Amaahda shakhsi ahaaneed classic: 8 ilaa 15 maalmood. Deeqa Hel lacag yar oo credit oo ka yar €200: 24 ilaa 72 saacadood. Helitaanka lacagta amaahda baabuur: 8 ilaa 15 maalmood. Deeqa lacag ka hel amaah hantida maguurtada ah: 15 maalmood ilaa 2 bilood.
Muddo intee le'eg ayaa ka dib heshiiska amaahda? ogeysiis aqbalida soo jeedinta ah amaah : 10 maalmood
Waxa kaliya oo aad siin kartaa aqbalaaddaadaaprès dhicitaanka tan ogeysiis. Sidaa darteed waxaad u soo celin kartaa yabooh bixiyahaaga laga bilaabo maalinta 11aad warqad taariikhaysan oo saxeexan.
Yaa go'aaminaya bixinta amaahda? bangiga, ama ururka credit, siiya amaah ma guurto ah.
Waa maxay daahitaanka udhaxeeya amaahda iyo saxeexa warqada kama dambaysta ah?
Le dib udhac udhaxeeya qaadashada ahdalab amaah ah iyo saxiixa nootaayo waa inuusan ka badnaan 4 bilood. Magac ahaan: mar ahdalab kama dambays ah soo gaadhay bangiga, waa inaad sugtaa ugu yaraan 11 maalmood ka hor intaadan heshiiskaaga dib u dirin.
Waa maxay deynta ugu fudud ee la heli karo? ah credit si loogu isticmaalo Si fudud loo heli karaa waa credit la cusboonaysiin karo. Runtii, credit soo noqnoqonaya - taariikh ahaan loo yaqaan kayd lacageed ama credit dib-u-noqoshada - waxay u baahan tahay dukumeenti taageero ka yar marka loo eego ilma adeerkeed amaahda shakhsi ahaaneed, credit baabuur ama amaah shaqo kale.
Sidee loo helaa deyn hubaal ah?
Si credit-ka loo aqbalo, xaaladda dayn-qaaduhu waa in ay ahaataa mid waafaqsan shuruudaha ururada deymaha iyo bangiyada. Tusaale ahaan, waa in aad leedahay awood deyn oo kugu filan, dakhli go'an leh gaar ahaanna aad leedahay qandaraas shaqo oo waqti dheer ah.
Sideen ku heli karaa aqbalida codsigayga deynta? Shuruudaha ugu muhiimsan ee aqbalida a credit isticmaalka
- Ha ku dheggan
- Saamiga deynta ugu badan ee 50% (Lacagta kirada ama credit immo / (cadadka dakhliga - hawlgabka)
- Nooca shaqada: ugu yaraan hal CDI (mararka qaarkood CDD ama Ku-meel-gaadhka ayaa u gudbi kara mid yar credit )
Maxay yihiin sababaha diidmada amaahda guryaha?
Sababaha ugu waaweyn ee a diidmada amaahda
Haddii astaanta amaahdaadu aanay xasilloonayn: kharashyo dheeraad ah oo joogto ah, kharashyo khasab ah, ka xaraynta Banque de France, diiwaangelinta Faylka Dhacdooyinka Dib-u-bixinta Deymaha Qofka (FICP), iwm.
Sidee loo helaa amaah marka bangiyadu diidaan?
Comment soo qaado kaaga amaah hantida ma-guurtada ah inkastoo diidmadaada bangi ?
- Dib u eeg faylkaaga codsi amaah ah oo nadiifi xisaabaadkaaga adoo dejinaya dhibcahaaga hadda, tusaale ahaan.
- Ku wareeg dadka kale bangiyada .
- La xidhiidh dallaaliyaha guryaha (online ama wakaalad) si ay kuu caawiyaan.
Sideen ku heli karaa aqbalida codsigayga deynta? Shuruudaha ugu muhiimsan ee aqbalida a credit isticmaalka
- Ha ku dheggan
- Saamiga deynta ugu badan ee 50% (Lacagta kirada ama credit immo / (cadadka dakhliga - hawlgabka)
- Nooca shaqada: ugu yaraan CDI (wakhti ahaan CDD ama Ku-meel-gaadhka ayaa gudbi kara waayo, wax yar credit )
Intee in le'eg ayay qaadataa inta u dhaxaysa bixinta amaahda iyo saxiixa warqadda kama dambaysta ah? ah dib udhac udhaxeeya qaadashada ahdalab amaah ah iyo saxiixa officilka ugu dambeeya Nootaayaha waa inuusan ku kordhin wax ka badan 4 bilood. Marka aad soo celisay kaaga dalab amaah ah, wargeli nootaaygaaga si aad ballan u qabsato saxiixa offal dhabta ah ee ogeysiis loo qoondeeyey.
Bangigu ma ku laaban karaa amaahda?
Maya, haddii aad aqbashodalab kahor wakhtiga kama dambaysta ah ee sharciga ah (10 maalmood ugu yaraan, 30 maalmood ugu badnaan), bangi ne awooddo pas soo laabtay on his dalab.
Sidee u socotaa siidaynta lacagaha? Wixii hanti duug ah. Qiimaha buuxa ee hantida waa in la siiyaa iibiyaha maalinta iibka. ah furid sidaas darteed loo sameeyay dhammaan qaddarka amaahda ee nootayada. Ka dib marka la dhammeeyo dhammaan hababka maamulka, nootaayogu wuxuu wareejin doonaa lacag ku shuba xisaab bangi iibiyaha.
Waa maxay tallabada ka dib saxiixa amaahda?
La saxiixa Xaqiiqda dhabta ah waa in ay guud ahaan dhacdaa 4 bilood gudahood après la saxiixa ofdalab amaah ah. Siideynta lacagaha waxay dhacdaa dhowr maalmood ka hor wakhtiga saxiixa ee warqada nootaariyada. Lacagaha waxaa lagu wareejin doonaa xisaabta nootaayada.
Yaa ansaxiyay feylka amaahda? Xaqiijinta amaah by bangiga: kan dambe ayaa baranaya codsigaaga amaahda guryaha, tabarucaadkaaga shakhsi ahaaneed, deyntaada, iwm. Waxay qiimaynaysaa halista kaaga xagaaaga. Haddii amaah waa khatar, codsigu wuxuu qaadan doonaa waqti dheer si jawaab loo helo.