Grace lokaci. Yadda za a yi amfani da shi cikin hikima

Talla tsayin ya tabbatar mana da cewa duk wani mariƙin na wani katin bashi iya samun kudi a bashi ba tare da amfani ga quite wani babba lokaci, wanda zai iya adadin zuwa daya ko watanni biyu, har ma da karin lokaci. Mutane da yawa a sneaking zargin cewa wannan shi ne kome fiye da wani talla stunt. Duk da haka, wani tsanani bankunan irin wannan jan iya muhimmanci rage image. Babu rikici a nan. Shi ne kawai ya cancanta da shiga kwangila tare da bashi ma'aikata don nazarin da sharuddan hankali. Saboda haka abin da aka rufe a karkashin m magana "alheri lokacin"?

Da yake jawabi a zahiri, shi ne lokacin har zuwa karshen abin da za ka iya amfani da aro kudi ba tare da biyan sha'awa ga shi. A ka'idar, duk abin da yake mai sauki, amma a yi da katin bashi da wani alheri lokacin na bashi bayar da daban-daban bankuna, aiki a hanyoyi daban-daban.

Abin da ya kamata ka kula da

Da fari dai, manufar wani "alheri lokacin bashi", kamar yadda mai mulkin shafi ma'amaloli by biya domin sayayya tare da katin, maimakon da tsabar kudi withdrawals. Ware, ba shakka, akwai, amma kafin ka shiga cikin wata kwangila, a tabbatar bayyana wannan batu.

Na biyu kuskure da cewa da dama masu amfani da cards, an nuna cewa yin amfani da cire daga katin kudi "free" kamar yadda zai yiwu a lokacin da ya bayyana a cikin talla. A gaskiya, wannan ba ko da yaushe haka al'amarin. Saboda haka, idan wani alheri lokacin ne kwanaki 60, ba ko da yaushe ya nufin cewa ta cire wani katin kudi a kowane lokaci, za ka iya mayar da su a wancan lokaci da kuma ba da biya tare da amfani.

A mafi daki-daki, da "amfani-free" yin amfani da aro kudi kunshi biyu bulan:

• mazauna (lokacin da za ka iya ciyar kudi daga katin).
• biya (farawa wadannan da shiri da kuma ba fita biya kashe bashin a full).

Yana da wadannan biyu segments ƙara sama zuwa wa'adi da adadi na 50, 60 ko fiye da kwanaki ban sha'awa-free yin amfani da kudi. A mataki na biyu shi ne mai sauki, shi ne tsayayyen yawan kwanaki, Bankin ya nuna, sau da yawa daidai 20. Amma da shiri lokaci za a iya bayyana a hanyoyi daban-daban. Idan ka sami wani sabon katin bashi, wani alheri lokacin za a fara a wannan lokacin?

• katin kunnawa.
• farko cire daga wajen.

A nan gaba, wannan lokaci za a iya bayyana a matsayin daban-daban da kuma daidaita:

• sauran har karshen kalanda wata da yawan kwanaki.
• tsayayyen yawan kwanaki daga ranar da mataki da taswirar (wani lokacin daidaita da biya zamani).

Saboda haka, a farkon yanayin, idan adadin da aka janye 1 lambar, da alheri lokacin shi zai zama 50 kwana (a kalandar wata + 20 days biyan bashin lokaci), amma idan ka rike irin wannan aiki 15 lambobi, don amfani da wajen hagu (15 days kafin karshen watan + 20 kwana da lissafin kuɗi lokaci = 35 days).

A karo na biyu idan, kuma shi ne na hali na cheap roba, da sha'awa-free lokaci zai iya zama a matsayin low as 20 days.

Mene ne amfani ga banki

Sai dai itace: wani adadin lokaci da za ka iya amfani da aro kudi for free. Me masu ba da bashi tafi da shi? A gaskiya ma, wani alheri lokacin - tasiri sabis bangarorin biyu. Mai amfani yana da damar yin wani saya a kan m sharuddan (idan kana da lokacin da za a biya kashe bashin a lokacin). To, da banki zai sami wani wajen babban kaso (a kan 20% annum), idan abokin ciniki ba sãka da bashi a karshen sha'awa-free mataki. Af, idan katin da aka caje da adadin 30,000 rubles, kuma kafin karshen alheri lokacin da aka shãfe haskensu 25,000, da yawan domin yin amfani da kudi ba shi da biya 5,000 rubles, da kuma a kan dukan adadin.

Saboda haka, tun da hankali karatu da sharuddan da tsabar kudi, za mu iya daidai a jefa su.