Shin bashi tarihi rinjayar da rance da kuma ko zama dole conscientious zaeschikom?

Tare da manufar "bashi tarihi" a yau dole ne su saba ko da zuwa ga waɗanda suke 'yan ƙasa waɗanda suka yi a baya bai taba zama a bashi kudi cibiyoyin. Amma ba kowa da kowa fahimci jigon wannan ra'ayi, kuma a sakamakon, kasar a yanzu da kuma nan, akwai alamun da m hali zuwa monetary wajibai. Shin bashi tarihi don samun rance? Mun magance wannan batu da zarar kuma domin dukan.

Mene ne wani bashi tarihi da kuma bashi hukumar

Da farko muna bukatar don gane jigon da manufar "tarihi na borrower." Masana sun nuna cewa, game da rabin na yawan ji ambatacce, kuma ba sau daya ba, amma, ba su fahimta da ma'anar da manufar kasancewar.

Credit tarihi - tsanaki data a kan banki ta abokin ciniki, wanda ya taba koma ga bashi. A data ba Name da borrower, ya lambobi, lambobin daftarin aiki da kuma sauran keɓaɓɓen bayani, kazalika da bayanai game da timeliness na biya a kan aro.

Data generated a matsayin sirri katin, canjawa wuri zuwa wani banki a wani musamman ma'aikata - National Bureau of Credit tarihi. NBCH aiki - don adana wannan bayani da kuma yin sauri da canje-canje a lokacin da sabon bayani daga mai ba da bashi. All data samu a wani lokaci ko wata, an tara kuma akwai kan request na banki ko borrower.

Nau'in na Credit tarihi

Kafin mamaki ko bashi tarihi rinjayar da rance, rance daraja binciken a cikin daban na labaru na borrower. Sabanin ga sanannen imani, bashi tarihi ba ya kasu kashi 2 iri - tabbatacce kuma korau, kuma kamar yadda mutane da yawa kamar yadda hudu.

1. Excellent bashi tarihi - ne data game da borrower, wanda ba a sanya guda da bata lokaci a kan rance, duka biyu na yanzu da kuma sõmammu. Wannan abokin ciniki - a Boon ga kudi ma'aikata. Banks ne son samar da wata kama, rance ba tare da borrower binciken da a rage farashi, kamar yadda na tabbatar da mafi ƙarancin hadarin default na bashi.

2. A kyau bashi tarihi - shi ne ma mai kyau wani zaɓi don wani kudi ma'aikata. Wannan yana nufin cewa mutane suna yarda daya-lokaci, ko riqo na wuccin skipping na installments for daya ko kwanaki da dama. Alal misali, a cikin wasu kungiyoyin iya gane a matsayin na ainihi borrower m rance biya a kowane banki har zuwa wata daya.

3. lalace bashi tarihi. Dakata, wanda yana for 5-6 days ko fiye, kuma akwai na yau da kullum - shi ne wani lokaci a cikin shakka wani banki. Ga wasu musamman m kudi cibiyoyin za a yi la'akari bataccen tarihi na borrower, wanda ya skipping na installments na tsawon 1 to 30 kwana da rance da aka biya a full a kan lokaci.

4. Bad bashi tarihi - wannan shi ne mafi saka manta da zaɓi. Wadannan sun hada da mummunan bashin, wanda bankin a shirye yake don canja wurin zuwa na uku jam'iyyun, da cewa shi ne tarin hukumomin. Matsayin mai mulkin, da rance da aka gane m lokacin da ka rasa a biya lokaci na kwanaki 90. The tambaya da samun rance a cikin wannan yanayin ne ba shi daraja - dai kawai zai yiwu ba.

Shin yana yiwuwa a samu wani aro tare da wata lalace bashi tarihi?

A zahiri iya samun rance da borrower kamo. NBCH yana da dama sassan, don haka da bayanai ba ko da yaushe sabunta sauri kuma a cike. Saboda haka, akwai lokuta a lokacin da yake binsa bashi ya zama m ba duk da flaws na yuwuwar borrower.

Shin bashi tarihi rinjayar da rance ga saya mota ko wani Apartment, idan borrower aka gane a matsayin m? Hakika, a irin haka ne ƙidaya a kan indulgence na banki rajistan shiga ko sakaci NBCH data ba lallai ba ne. Jinginar gidaje da kuma auto rance - manyan kudi ma'amaloli, kuma a halin yanzu tattalin arziki halin da ake ciki, akwai, bankunan wuya je irin wannan hadarin.

Wanda yake bãyar da rance ga bashi da bataccen tarihi?

Wani lokaci banki sane ke magance unscrupulous bashi, ko da gaske fa, tã yi a matsayin aro ba tare da dubawa bashi tarihi. Wannan ya faru a lokacin da wani kudi ma'aikata ne sha'awar a cikin gabatarwa sabbin ayyuka da kuma samar da wani karamin adadin wani da dukan abokan ciniki. Interest rates da sauran yanayi a irin haka ne ba su dauke da mafi m.

Wannan ya faru a lokacin da bude wani sabon banki. A wani kokarin haifar da wani abokin ciniki tushe da aminci ga mai ba da bashi ya shafi kowane mutum wanda ya shafi neman taimako, ba tare da neman a yiwu gabata na zunubbansa.

Wasu 'yan ƙasa a cikin search for wani kudi ma'aikata, wanda za ta hada gwiwa da m abokin ciniki, juya su da hankali ga basussuka. Credit tarihi domin MFIs ba da muhimmanci, amma da suka rama domin su kasada na default extortionate amfani rates da kuma kwamitocin. Bugu da kari, wadannan masu ba da bashi suna dauke Semi-doka, kuma wani lokacin suna zamba.

Rashin bashi tarihi - shi ne shi mai kyau?

Sai dai itace cewa da tasiri cikin banki ta yanke shawara ba kawai washe ko tabbatacce bashi tarihi, amma kuma ta rashi. Idan nan gaba borrower taba baya tsara credits da kuma ba sa biya, ko da gaban samun kudin shiga tabbaci ba zai iya aiki a matsayin lamuni na ta da alhakin da himma. Shi ne kuma m ga wani banki abokin ciniki.

Saboda haka sau da yawa a cikin rashi na BKI bashi tarihi na iya zama wani hukunci factor ga gazawar. Abin da ya yi? Masana sun ba da shawara ga fara a siffar tarihi. Don yin wannan, sanya a kananan rance ba tare da takardun shaida. Socket banki abokin ciniki bukatun an tabbatar ba a samu wani kin amincewa.

a ƙarshe

Shin bashi tarihi don samun rance? Hakika! Amma gaskiyar ita ce, shafi al'adar borrower na tarihi iya duka biyu ma da barnatar. Shu'urin mutane suna da hakkin su biyayya da kuma banki sharadi gwargwado. A borrower, wanda washe ta labarin iya wuya fatan for leniency m kudi ma'aikata da kuma lalle ne wani istinbadi mai ba da bashi.