Loan sabis kudade, ko nawa koda halin kaka ya dauki bashi

Credit - wannan shi ne saba bangaren rayuwa ta zamani. Sun bayar da kusan ko'ina: a cikin bankuna, shagunan sayar, kamfanonin. Duk wani shiri da kuma kammala kayan, tsada da tufafi, iyali kayan, televisions, kwakwalwa, furniture, a mota da kuma wani Apartment - duk wannan da yafi shi ne sauƙin yiwu ya dauki "a bashi." Zaka iya, ba shakka, iri da kuma ajiye bukata adadin, amma da maƙwabci yana da wannan shi ne, amma ba ya zama aukaka daga gare ku, kuma ku bãyar da shi guda.

Bukatar halitta wadata. Credit shirye-shirye na bankuna bambanta, kuma jerin ne na girma kowace shekara. Get rasa a cikin wannan iri-iri ne sauki domin sanin amfanin da rance a wannan banki, kuma shi ya bambanta daga wasu shawarwari ne da wuya sosai.

Bari mu fara da cewa bankin - mai sayar kungiyar, wanda babban makasudin - riba. Zai ze cewa shekara-shekara sha'awa a kan aro - Yã isa zama riba cewa banki na'am daga borrower. Amma ba duk don haka sauki. Kowane banki da wani rance ne tare da kwamitocin, wanda ba su dauka musamman "tallata". Kasancewar wasu daga cikin wadannan abokin ciniki yake sanin riga hannu rance yarjejeniya ko biya na farko biya, sauran sani a gaba (misali, a aro sabis fee), ko da yake ba su gane manufar.

Saboda haka abin da ake Hukumar iya rattaba kalma daga cikin aro yarjejeniyar kananan da manyan font? Wadannan kwamitocin: Hukumar ga bayar da rance, rance da kudin domin rance aikace-aikace na aro sabis fee, bude fee da rance lissafi, domin farkon extinguishment zargin da dai sauransu Kwamitocin ne quite 'yan sunayen, da kuma amincewar da caji, mafi yawansu a shekarar 2009, a gane ta jiha ba bisa doka ba. Banks amince, da kuma ... canza sunan da Hukumar.

Kafin samun rance bashi manajan wani banki da aka zamar masa dole ya sanar da abokin ciniki tare da wani tasiri sha'awa kudi. Wannan kudi ya hada da dukan ban sha'awa da kuma banki zargin. Babban wajibi - a jiki na aro, cewa shi ne, da adadin cewa abokin ciniki daukan kan banki. Shekara-shekara amfani kudi - wata-wata sha'awa a kan aro. Loan sabis kudade da kuma sauran banki zargin - shi ne ya ƙara banki ta riba a kudi na wuya explainable overpayments. Idan hukumar da aka dauka kawai sau daya a lokacin da samun rance, shi ke ba ma kara jimlar rance adadin. Wani abu, idan hukumar ne mai ƙayyadadden ajali yawan cikakken adadin da rance, rance da za a caje a kan kowane wata, sa'an nan da overpayment a kan aro zai zama sosai gwaji jimla.

Fee for sabis rance - daya daga cikin mafi yawan cajin kudade bankuna. Sunan iya samun bambancin, shi za a iya cajarka ga cikakken adadin na aro ko saura ya zama wata-wata ko daya-lokaci. Wannan hukumar za a iya juya a kan dukkan baya Hukumar, tun duk kwamitocin ake kira "don sabis da rance." Hukunci cewa kai bankuna ga marigayi biya ko m nau'i nau'i na wata-wata, rance adadin ne quite yiwu a bayyana ƙi bankka kasada. Bayyana wasu kudade ne yafi wuya, idan ba zai yiwu ba.

Tun shekara ta 2009, bankuna za a iya ci tarar idan sun yi cajin kudade a kan bashi, mafi manyan bankuna kusan dukkan kwamitocin soke. Yanzu "ya zama gaye" bashi rayuwa inshora, wanda ya zama alama da son rai, amma ko ta yaya ba quite. Amma ga ƙi na inshora banki sau da yawa qara sha'awa kudi. Ba a ma maganar da m abin hawa inshora ko sayi gidaje. Rayuwa inshora iya biya da zarar ga dukan aro lokaci da kuma samun cikakken maida, ko za ka iya biya a shekara, a kan ma'auni na babba bashi.

The halitta ƙarshe: komai yayi kokawa da kwamitocin na bankuna, da suka, a daya nau'i ko wata ko da yaushe zama, a karkashin sunaye daban-daban da kuma a cikin daban-daban yawa, saboda da jaraba samu sauki da riba sosai high.