{"id":19713,"date":"2022-09-25T19:13:35","date_gmt":"2022-09-25T17:13:35","guid":{"rendered":"http:\/\/expateuropa.com\/karten-krediye-li-finlandiya\/"},"modified":"2023-01-26T21:11:43","modified_gmt":"2023-01-26T20:11:43","slug":"karten-krediye-li-finlandiya","status":"publish","type":"post","link":"https:\/\/expateuropa.com\/ku\/karten-krediye-li-finlandiya\/","title":{"rendered":"Kart\u00ean Krediy\u00ea li Finlandiya"},"content":{"rendered":"\n

Ger ji bo kes\u00ea ku serdana F\u00eenlandiyay\u00ea kiriye ti\u015ftek b\u00eeran\u00een hebe, pergal\u00ean w\u00ea y\u00ean b\u00eapere ye. H\u00fbn di\u00e7in nav firotgehek, kir\u00eena xwe dikin \u00fb gava ku wext\u00ea kontrol\u00ea ye, mak\u00eeneya kart\u00ea amade ye ku kar bike. H\u00fbn ten\u00ea hewce ne ku h\u00fbn l\u00eaxin an j\u00ee ten\u00ea w\u00ea li ser mak\u00eeneya b\u00eat\u00eakil\u00ee bigirin. Bi v\u00ee reng\u00ee ezm\u00fbna kirr\u00fbbirra li F\u00eenlandiyay\u00ea dikare h\u00easan be. Bikaran\u00eena qertan t\u00ea v\u00ea watey\u00ea ku heke h\u00fbn kred\u00ee bist\u00eenin, div\u00ea ew di forma qert\u00ea de be, ji ber v\u00ea yek\u00ea heb\u00fbna qerta krediy\u00ea pir t\u00ea wateya. <\/p>\n\n

Li F\u00eenlandiyay\u00ea, qerta krediy\u00ea r\u00eayek b\u00eak\u00eamas\u00ee dide bikarh\u00eaneran ku bigih\u00eejin deyn\u00ean xwe \u00fb w\u00ea b\u00ea stres derbas bikin. Bi rast\u00ee, ne hewce ye ku kes zanibe ku ew pir Euroy\u00ean ku h\u00fbn bikar t\u00eenin ji bo kir\u00eena w\u00ea iPhone 13 pro max ya luks bi rast\u00ee drav\u00ea deynkir\u00ee ye. H\u00fbn dib\u00eenin ku patron m\u00eena qert\u00ean krediy\u00ea y\u00ean w\u00eaney\u00ea li F\u00eenlandiya dide? <\/p>\n\n

N\u00eaz\u00eek\u00ee kurt li ser F\u00eenlandiyay\u00ea <\/strong><\/h2>\n\n

F\u00eenlandiya di d\u00eemen\u00ean werz\u00ee\u015f\u00ea y\u00ean zivistan\u00ea y\u00ean heyecan \u00fb d\u00eemen\u00ean b\u00eahna xwe de pir e. Her \u00e7end ew c\u00eehek tije k\u00eaf e j\u00ee, ew pir biha ye. Her kes\u00ea ku serdana vir bike an li vir r\u00fbne, div\u00ea amade be ku drav xerc bike. Ji bo jiyanek b\u00eak\u00eamas\u00ee, ji bo k\u00eaf\u00ea b\u00eatir li F\u00eenlandiyay\u00ea, drav\u00ea xwe bi qerta krediy\u00ea pi\u015ftgir\u00ee bikin. Ne ten\u00ea h\u00fbn dikarin qert\u00ea ji bo karan\u00eena kesane, l\u00ea ji bo armanc\u00ean karsaziy\u00ea j\u00ee bist\u00eenin.<\/p>\n\n

Qerta krediy\u00ea \u00e7i ye? Ew qertek e ku ji h\u00eala saziy\u00ean daray\u00ee an bankan ve hat\u00ee derxistin, da ku drav bidin. Wek\u00ee din, ew berjewendiya ku di heyama lihevkir\u00ee de t\u00ea vegerandin qezenc dike. Qerta krediy\u00ea berd\u00eal\u00ean fa\u00eez\u00ea y\u00ean drav diki\u015f\u00eene \u00fb, di heman dem\u00ea de, dikare xelat \u00fb dak\u00ea\u015fan biki\u015f\u00eene. S\u00eenor\u00ean qerta krediy\u00ea bi d\u00eeroka krediy\u00ea \u00fb xala deynd\u00ear ve gir\u00eaday\u00ee ye. B\u00fbyer\u00ean xal\u00ean krediy\u00ea y\u00ean xirab ji bo \u015fans\u00ean girtina qerta sifir dib\u00eajin.<\/p>\n\n

P\u00eadiviy\u00ean Bingeh\u00een ji bo wergirtina Qerta Krediy\u00ea ya F\u00een\u00ee<\/strong><\/h2>\n\n

M\u00eena li Keyaniya Yekb\u00fby\u00ee<\/a> , p\u00eavajoya wergirtina qerta krediy\u00ea ya F\u00eenland\u00ee sade \u00fb k\u00eam daxwaz e. Ji bo ku h\u00fbn dest p\u00ea bikin qerta nasnamey\u00ea ya ku \u00eesbat dike ku h\u00fbn ji 18 sal\u00ee mezintir in b\u00eenin. Wek\u00ee din, deynd\u00ear\u00ean ku OP-\u00ea wek\u00ee banka xweya sereke bikar t\u00eenin terc\u00eeh in. Her \u00e7end gir\u00eeng e ku meriv del\u00eel\u00ean dahata bir\u00eak\u00fbp\u00eak bigire, d\u00eeroka krediy\u00ea \u00fb p\u00fban j\u00ee bi heman reng\u00ee gir\u00eeng in. M\u00eenak\u00ee, h\u00fbn dikarin bi dahatiyek domdar dravek bidin. Wek\u00ee din, biyaniy\u00ean ku bi ser\u00eel\u00eadan\u00ea re eleqedar dibin div\u00ea dest\u00fbrnameyek r\u00fbni\u015ftin\u00ea ya da\u00eem\u00ee hilber\u00eenin da ku r\u00fbni\u015ftina dir\u00eaj-dir\u00eaj li wel\u00eat n\u00ee\u015fan bidin.<\/p>\n\n

Di rew\u015f\u00ean hindik de, dibe ku belavker\u00ea krediy\u00ea li ser depoyek ewlehiy\u00ea israr bike da ku p\u00eabaweriya deynd\u00ear garant\u00ee bike. Bi tevay\u00ee, kal\u00eetey\u00ean ji bo pejirandina qerta krediy\u00ea bi serfiraz\u00ee bi dahatiyek domdar \u00fb d\u00eerokek krediya ba\u015f ve gir\u00eaday\u00ee ne. L\u00eabel\u00ea, ji b\u00eer mekin ku h\u00fbn hewce ne ku ni\u015ftec\u00eehek F\u00eenland\u00ee<\/a> bin.<\/p>\n\n

Kart\u00ean Krediy\u00ea y\u00ean Bi gelemper\u00ee t\u00eane bikar an\u00een F\u00eenlandiya<\/strong><\/h2>\n\n

F\u00eenlandiya ji ber bikaran\u00eena pir caran qert\u00ean kred\u00ee \u00fb deb\u00eet\u00ea di dravdan\u00ea de pir n\u00eaziktir e ku bibe dewletek b\u00eapere. Heya nuha, ji sed\u00ee nod \u00fb du ni\u015ftec\u00eeh\u00ean mezin \u00ean li F\u00eenlandiyay\u00ea drav didin elektron\u00eek. Bikaran\u00eena qert\u00ean krediy\u00ea y\u00ean wek\u00ee MasterCard, Visa, American Express, Diner’s Club, \u00fb kart\u00ean Euro li wel\u00eat populer \u00fb meqb\u00fbl in. Bi rast\u00ee, Visas \u00fb MasterCard ber\u00ee her ti\u015ft\u00ee populer in. Li bend\u00ea bin ku h\u00fbn qert\u00ean krediy\u00ea li her dever\u00ea li c\u00eeh\u00ean wek\u00ee ot\u00eal, xwaringeh, firotgeh\u00ean dezgehan, \u00fb firotgeh\u00ean mezin bikar b\u00eenin, heke ne ji bo her\u00eam\u00ean her\u00eam\u00ee ne, qert\u00ean krediy\u00ea qeb\u00fbl dikin.<\/p>\n\n

P\u00ea\u015fk\u00ea\u015fker\u00ean Qerta Krediy\u00ea li Finlandiya<\/strong><\/h2>\n\n

Nordea yek ji wan parg\u00eedaniyan e ku qert\u00ean krediy\u00ea Mastercard p\u00ea\u015fk\u00ea\u015f\u00ee dike. Van kart\u00ean ewledar in \u00fb karan\u00eena wan h\u00easan in. Wek\u00ee din, ew dikarin bih\u00ealin ku h\u00fbn dema ku li F\u00eenlandiya an welatek din drav bik\u015f\u00eenin. Bi qert\u00ea, h\u00fbn dikarin ji rehetiya mala xwe kir\u00een\u00ean gerd\u00fbn\u00ee bikin.<\/p>\n\n

Wek\u00ee din, Aktia Credit nermb\u00fbna daray\u00ee ya ni\u015ftec\u00eeh\u00ean F\u00eenland\u00ee p\u00ea\u015fk\u00ea\u015f\u00ee dike. Ev yek bi r\u00ea dide wan ku ji bo kir\u00een\u00ean mezin bi teqs\u00eetan<\/a> bidin. Wek\u00ee bikarh\u00eanerek n\u00fb, h\u00fbn dikarin heya 45 rojan heyama dravdana b\u00eafa\u00eez bist\u00eenin. Kart tedb\u00eer\u00ean ewlehiy\u00ea dema r\u00eaw\u00eetiya bi b\u00eemeya dema vala re z\u00eade dike.<\/p>\n\n

S Pankki ji ni\u015ftec\u00eeh\u00ean F\u00eenland\u00ee re bi v\u00eezaya S-Etukorti erzan p\u00ea\u015fk\u00ea\u015f\u00ee dike. Ti\u015fta ba\u015f a v\u00ea qert\u00ea ev e ku ji bo dikan\u00ean kooperat\u00eef\u00ea, ne mehane \u00fb ne j\u00ee salane ne. Wek\u00ee din, dema kir\u00eena serh\u00eal bi v\u00ea qerta krediy\u00ea re, kir\u00eena we ewle ye. Pi\u015ft\u00ee ku qerta weya krediy\u00ea ji bo demek diyar hebe, parg\u00eedan\u00ee dih\u00eale h\u00fbn serl\u00eadana z\u00eadekirin\u00ea bikin ji ber ku s\u00eenor\u00ea w\u00ea 10,000 euro ye.<\/p>\n\n

Di dawiy\u00ea de, h\u00fbn dikarin qerta krediy\u00ea ji Bank Norw\u00eac\u00ee j\u00ee bist\u00eenin. Bi v\u00ea qerta krediy\u00ea, h\u00fbn dikarin gelek feydeyan di nav de xal\u00ean drav \u00fb b\u00eemey\u00ea j\u00ee bist\u00eenin. Di heman dem\u00ea de, ew ewlehiy\u00ea<\/a> ji bo belavker\u00ean qerta xwe z\u00eade dike. Bank xwedan pergal\u00ean ewlehiy\u00ea ye ku her dem dan\u00fbstandin\u00ean qert\u00ea di\u015fop\u00eene. Pergal\u00ean ewlehiy\u00ea j\u00ee ji bo p\u00ea\u015f\u00eel\u00eagirtina xapandin\u00ea dixebitin.<\/p>\n\n

Ti\u015ft\u00ean ku Beriya Kir\u00eena Kart\u00ean Krediy\u00ea Binih\u00earin <\/strong><\/h2>\n\n

Wek\u00ee ni\u015ftec\u00eehek F\u00eenland\u00ee, hin ti\u015ft hene ku div\u00ea h\u00fbn ber\u00ee ku qerta krediy\u00ea bist\u00eenin bifikirin. Yek ji wan R\u00eajeya R\u00eajeya Salane (APR) ye. APR l\u00ea\u00e7\u00fbna deynkirina li ser qert\u00ea vedib\u00eaje ger ku h\u00fbn her meh\u00ea tevheviya drav\u00ea nedin.<\/p>\n\n

Ji bil\u00ee APR, h\u00fbn hewce ne ku dravdana her\u00ee k\u00eam \u00fb xerc\u00ean salane bifikirin. Heq\u00ea ku h\u00fbn her meh\u00ea hevsengiy\u00ea nedin, heq\u00ea her\u00ee k\u00eam t\u00ea drav kirin. Ji h\u00eala din ve, xerc\u00ea salane ji bo karan\u00eena qert\u00ea t\u00ea drav kirin.<\/p>\n\n

Feydey\u00ean Bikaran\u00eena Kart\u00ean Krediy\u00ea li F\u00eenlandiyay\u00ea<\/strong><\/h2>\n\n

P\u00ea\u015f\u00een, qerta krediy\u00ea xelat \u00fb dak\u00ea\u015fan p\u00ea\u015fk\u00ea\u015f\u00ee dike. Bi qas\u00ee ku dravdana krediy\u00ea l\u00ea\u00e7\u00fbn\u00ean fa\u00eez\u00ea k\u00eam dike, ew di heman dem\u00ea de gelek xelat \u00fb dak\u00ea\u015fan j\u00ee diki\u015f\u00eene bikarh\u00eaneran. M\u00eenak\u00ee, qerta Finnair Visa li ser her kir\u00een\u00ea heya du xelat\u00ean Finnair Plus xelat dike. Ji ber v\u00ea yek\u00ea xal\u00ean berhevkir\u00ee dikarin kir\u00een\u00ean din bikin.<\/p>\n\n

Ya duyem\u00een, qert\u00ean krediy\u00ea di day\u00eena dravdana krediy\u00ea de dibe al\u00eekar. Jiyan tij\u00ee sosret e. Ji bo budceyek mehane, ac\u00eelek li ser tam\u00eerkirina xaniyan beriya dawiya meh\u00ea dikare bibe stres. Meraq dikin ku h\u00fbn li ku deyn bikin? Werin ku h\u00fbn qerta krediy\u00ea bifikirin. Qerta xweya krediy\u00ea bi\u015fop\u00eenin, hinek drav biki\u015f\u00eenin, \u00fb tevliheviy\u00ea \u00e7areser bikin. Bi kurtas\u00ee, qerta krediy\u00ea ji bo rew\u015f\u00ean awarte \u00e7areseriyek drav\u00ea bilez e.<\/p>\n\n

Wek\u00ee din, karan\u00eena kart\u00ean krediy\u00ea ji avakirina d\u00eerokek krediy\u00ea \u00fb xalan re dibe al\u00eekar. M\u00eenak\u00ee, gava ku h\u00fbn pir caran qerta xweya krediy\u00ea bikar t\u00eenin \u00fb tavil\u00ea didin, ew destn\u00ee\u015fan dike ku h\u00fbn \u00e7iqas berpirsiyar in. Di w\u00ea rew\u015f\u00ea de, buroy\u00ean krediy\u00ea d\u00ea d\u00eerokek krediy\u00ea ya er\u00ean\u00ee n\u00fbve bikin \u00fb xal\u00ean krediy\u00ea y\u00ean ba\u015f bidin. Di encam\u00ea de rapor\u00ean krediy\u00ea y\u00ean ba\u015f dih\u00ealin ku h\u00fbn di p\u00ea\u015feroj\u00ea de deyn\u00ean mezintir \u00fb b\u00eabawer bist\u00eenin. M\u00eenak\u00ee, Kart\u00ean Visa Finnair li ser raporta krediy\u00ea ya xwediy\u00ea qertal\u00ea n\u00fbvekirinan diniv\u00eesin.<\/p>\n\n

Di dawiy\u00ea de, qert\u00ean krediy\u00ea ji xwedan kart\u00ean s\u00eegortey\u00ea re p\u00ea\u015fk\u00ea\u015f dikin. Kart\u00ean kred\u00ee vegirtina qezaya kesane \u00fb b\u00eemeya r\u00eaw\u00eetiy\u00ea ya berfireh p\u00ea\u015fk\u00ea\u015f\u00ee dikin. Nordea Finnair Plus MasterCard b\u00eemeya r\u00eaw\u00eetiy\u00ea ya berfireh vedihew\u00eene, dema ku h\u00fbn ji bo r\u00eaw\u00eetiya xwe ya dervey\u00ee wel\u00eat bi tevah\u00ee bi saziya krediya xwe re bidin, derbasdar e. B\u00fbyer\u00ean weha hejmar\u00ean krediy\u00ea y\u00ean bikarh\u00eaner \u00e7\u00eatir dikin.<\/p>\n\n

Bi kurtas\u00ee, qerta krediy\u00ea ne ten\u00ea ji bo kir\u00eena impulse ye; di heman dem\u00ea de ji bo l\u00ea\u00e7\u00fbn\u00ean neplankir\u00ee y\u00ean F\u00eenlandiyan ewlehiya daray\u00ee peyda dike. Tev\u00ee l\u00ea\u00e7\u00fbn\u00ean ku qerta krediy\u00ea vedigire, xwediy\u00ea krediy\u00ea berpirsiyar e ku dravdana heyama p\u00ea\u015f-sazkir\u00ee bide. Ji bo ku h\u00fbn ji karan\u00eena qerta xweya krediy\u00ea k\u00eafxwe\u015f bibin, w\u00ea pir caran bikar b\u00eenin \u00fb tavil\u00ea l\u00ea\u00e7\u00fbn\u00ean xwe bidin.<\/p>\n","protected":false},"excerpt":{"rendered":"

Ger ji bo kes\u00ea ku serdana F\u00eenlandiyay\u00ea kiriye ti\u015ftek b\u00eeran\u00een hebe, pergal\u00ean w\u00ea y\u00ean b\u00eapere…<\/p>\n","protected":false},"author":5,"featured_media":16635,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1332],"tags":[5572,5984,10100,5422,7526,9927],"class_list":["post-19713","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-finlandiya","tag-belavkeren-qerta-krediye","tag-deynkirina-krediye","tag-karten-krediye-li-finlandiya","tag-li-ku-cun","tag-sepanen-qerta-krediye","tag-xala-krediye","wpcat-1332-id"],"_links":{"self":[{"href":"https:\/\/expateuropa.com\/ku\/wp-json\/wp\/v2\/posts\/19713","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/expateuropa.com\/ku\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/expateuropa.com\/ku\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/expateuropa.com\/ku\/wp-json\/wp\/v2\/users\/5"}],"replies":[{"embeddable":true,"href":"https:\/\/expateuropa.com\/ku\/wp-json\/wp\/v2\/comments?post=19713"}],"version-history":[{"count":0,"href":"https:\/\/expateuropa.com\/ku\/wp-json\/wp\/v2\/posts\/19713\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/expateuropa.com\/ku\/wp-json\/wp\/v2\/media\/16635"}],"wp:attachment":[{"href":"https:\/\/expateuropa.com\/ku\/wp-json\/wp\/v2\/media?parent=19713"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/expateuropa.com\/ku\/wp-json\/wp\/v2\/categories?post=19713"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/expateuropa.com\/ku\/wp-json\/wp\/v2\/tags?post=19713"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}