Mai amfani da bashi ga mutane - a bit na gaskiya daga wani gwani

A mafi m sabis miƙa ta bankunan - wannan shi ne wani mabukaci bashi mutane. Kuma ba mamaki, saboda irin wannan rance iya kawo mai kyau samun kudin shiga ga cibiyoyin kudin kasar. Wannan shi ne saboda gagarumin sha'awa kudi. Saboda haka, domin a shekara, shan la'akari kwamitocin da kuma amfani overcharged masu amfani game da 40% na aro.

Mai amfani da bashi ga mutane: wasu halaye

kasuwar - mutane da hayar ma'aikata. Credit bayar kawai hayar ma'aikacin. A aro adadin dogara a kan na karshe la'ada masu girma dabam. Ko da banki talla na jihohin da rubuce za ka iya samun wani gagarumin adadin tsabar kudi, kadan bashi za a lasafta kawai a kan tushen da samun kudin shiga. Amma, matsakaicin rance adadin ne game da uku a kowane wata albashi. Daga bisani, idan payer a lokacin da za a cika da wajibai, da banki na iya ta da iyaka zuwa shida talakawan wata-wata albashi na borrower.

A amfani kudi a kan mabukaci rance ga halitta mutum ne da ya fi yadda sauran aro kayayyakin. Wannan shi ne saboda high bashi hadarin: a gaskiya, irin wannan rance ba kulla da tabbaci. Bugu da kari, akwai ko da yaushe wani hadarin adam kora daga aiki, sa'an nan da ya faru na m biya. Babu irin wannan abu a matsayin low mabukaci bashi - kasuwanci ne ploy kudi da kamfanoni. Tare da low amfani rates shi zai zama marasa amfani baki ɗaya domin banki.

Zai fi dacewa kafin binsa bashi banki selection zama saba da sharuddan da rance. Akwai lokuta da cewa daya kawai sha'awa kudi za a iya ji a talla, amma a gaskiya akwai wata-wata hukumar, inshora, kuma haka a.

Cak ko borrower da banki a lokacin da ka yi a matsayin aro?

Kowane banki yana kokarin wasa lafiya da kuma rage kasada. Saboda haka, a lokacin da bashi ake nema don en mabukaci rance ga mutane, da banki aiwatar da wani m dubawa.

A farko tabbatar ta hanyar borrower bashi hukumar (CRB). Idan ka riga ya fitar da wani rance, rance da bashi hukumar za ta fitar da wani request ga banki bayanai game da fansarsa ba, kazalika da samar da your rating. Daga wannan bayani ya dogara da kara yanke shawara na banki da rancen da yuwuwar borrower.

Kowane banki tsarin kula da bashi tarihi ne daban-daban: wasu dauka da bayanai ga karshe shekaru biyu, da sauran shekaru biyar.

Muna son ambaci mabukaci bashi ba tare da binciken a kan albashi. The adadin irin wannan rance ne da yawa m fiye da binciken da rates - yafi hakan. Saboda haka, yin amfani da irin wannan rance ne shawarar kawai a cikin matsanancin.

Points to la'akari da yuwuwar bashi

• Kafin ka dauki fitar da wani rance, rance kana bukatar ka tunani sosai da wannan lokaci. Unnecessarily lallai ba ne su dauki shi.
• Kula da abin da yake dadi biyan bashin a kan aro, wanda ba ya wuce 25% na net samun kudin shiga. A wannan yanayin, da borrower zai zama free kudi, ya nufi ga sauran dalilai.
• Kada ku riƙi bashi "da eyeballs", tun a canji a cikin albashi saukar da zai haifar da tsiwirwirin kuskure a kan aro.
• Ka mai ido a kan bashi tarihi, domin ka taba sani ba abin da zai iya faruwa a rayuwa, don haka kula da nan gaba.