Finances! Yek aliyek jiyan\u00ea ku hem bi avantaj \u00fb hem j\u00ee k\u00eamasiyan ve gir\u00eaday\u00ee ye li gor\u00ee ka h\u00fbn wan \u00e7awa bir\u00eave dibin. Dibe ku h\u00fbn mezin bibin h\u00fbn \u00ea bibih\u00eezin ku mezinan li ser daray\u00ee n\u00eeqa\u015f dikin \u00fb meraq dikin ka \u00e7ima ew qas ti\u015ftek mezin b\u00fb! Wel\u00ea, wek\u00ee mezinek, bi fat\u00fbrey\u00ean ku bidin, ez bawer im ku h\u00fbn nuha gir\u00eengiy\u00ea fam dikin. <\/p>\n\n
Zan\u00eena ti\u015ftek an du ti\u015ftan li ser ka qert\u00ean krediy\u00ea<\/a> li Spanyay\u00ea \u00e7awa dixebitin d\u00ea ji we re bibe al\u00eekar ku h\u00fbn daray\u00eey\u00ean xwe bir\u00eave bibin. We ber\u00ea ji bo ku h\u00fbn bi\u00e7in Spanyay\u00ea gelek drav xerc kirine ji ber v\u00ea yek\u00ea h\u00fbn l\u00ea digerin ku bi qas\u00ee ku gengaz xilas bikin. Mizg\u00eeniya xirab ji bo we ev e, b\u00eay\u00ee d\u00eeroka krediya Span\u00ee, dibe ku girtina qerta krediy\u00ea hinek\u00ee dijwar be.<\/p>\n\n Ji bo destn\u00ee\u015fankirina p\u00eabaweriya xer\u00eedar, banka we d\u00ea li d\u00eeroka krediya weya li Spanyay\u00ea bin\u00eare. Ev t\u00ea v\u00ea watey\u00ea ku ew \u00ea hem\u00ee deyn\u00ean ku we deyn kirine bi\u015fop\u00eenin ber\u00ee ku h\u00fbn biryar bidin ku xetek krediy\u00ea dir\u00eaj bikin. Ji ber v\u00ea yek\u00ea, heke h\u00fbn ji bo krediya xirab di navn\u00ee\u015fek re\u015f de bin, \u015fans\u00ea weya wergirtina qerta krediy\u00ea k\u00eamtir e. <\/p>\n\n L\u00eabel\u00ea, wek\u00ee n\u00fb hatinek wel\u00eat, ez h\u00eav\u00ee nakim ku we deynek deyn kiribe ku we nikar\u00eeb\u00fb bidin. Ev be\u015fa ku bir\u00eavebirina daray\u00eeya we pir watedar e. Her weha div\u00ea ez ji we re bib\u00eajim ku navn\u00ee\u015fa re\u015f li Spanyay\u00ea t\u00ea v\u00ea watey\u00ea ku h\u00fbn nekarin nav\u00ea xwe pi\u015ft\u00ee 6 salan j\u00eabirin. Her weha div\u00ea h\u00fbn deyn\u00ean xwe bi tevah\u00ee bidin. <\/p>\n\n Ti\u015ft\u00ea ku p\u00ea\u015fk\u00ea\u015fvan\u00ea qerta weya krediy\u00ea div\u00ea zanibe ev e ku h\u00fbn dikarin deyn\u00ean xwe bidin. Ji ber v\u00ea yek\u00ea, p\u00ea ewle bine ku we bi dahatiyek bir\u00eak\u00fbp\u00eak karek aram heye. H\u00fbn belk\u00ee meraq dikin ku t\u00ea \u00e7i watey\u00ea ku meriv rastek krediyek ba\u015f heye? Wel\u00ea, ew \u00ea bi xala krediya we ve gir\u00eaday\u00ee be \u00fb ji yek buroy\u00ean krediy\u00ea ji yek\u00ee din c\u00fbda dibe. <\/p>\n\n M\u00eenak\u00ee, piraniya bank\u00ean li Spanyay\u00ea d\u00ea qerta krediy\u00ea ya ku di bin\u00ea 400-\u00ea de jimareyek krediy\u00ea heye nedin we. Ji bo ku h\u00fbn x\u00eazek krediy\u00ea bist\u00eenin, ji we re xalek krediy\u00ea di navbera 700 \u00fb 900 de hewce ye. Away\u00ea \u00e7\u00eatir\u00een ku meriv krediyek ba\u015f ava bike d\u00ea sazkirina hesab\u00ean kar\u00fbbar be. Ji ber v\u00ea yek\u00ea, pi\u015ftrast bikin ku h\u00fbn di wext\u00ea xwe de ji bo hem\u00ee kar\u00fbbar\u00ean xwe bidin. <\/p>\n\n Axaftina li ser pereyan li Spanyay\u00ea r\u00eazefilm\u00ean Netflix t\u00eene<\/a> b\u00eera mirov; Money Heist. We li v\u00ea r\u00eazef\u00eelm\u00ea tema\u015fe kiriye an na, h\u00fbn dizanin ku li Spanyay\u00ea drav \u00e7iqas gir\u00eeng e. Xwez\u00ee ji bo we, li Spanyay\u00ea gelek bank hene ku kar\u00fbbar\u00ean daray\u00ee y\u00ean cih\u00eareng p\u00ea\u015fk\u00ea\u015f dikin. Dema ku h\u00fbn hesabek banka Span\u00ee vedikin,<\/a> h\u00fbn \u00ea bib\u00eenin ku pir bankan qert\u00ean krediy\u00ea p\u00ea\u015fk\u00ea\u015f dikin. Kart\u00ean her\u00ee gelemper\u00ee Visa<\/a> \u00fb Mastercard<\/a> in. <\/p>\n\n Her bank d\u00ea ji bo derxistina qert\u00ean krediy\u00ea hewcedariy\u00ean c\u00fbda hebin. L\u00eabel\u00ea, hin hewcedar\u00ee standard in \u00fb dibe ku ji hem\u00ee bankan re derbas bibin. Ji bo destp\u00eak\u00ea, div\u00ea h\u00fbn 18 sal \u00fb jor bin da ku li Spanyay\u00ea qerta krediy\u00ea bist\u00eenin. Bi heman reng\u00ee, qert\u00ean krediy\u00ea ten\u00ea ji ni\u015ftec\u00eeh\u00ean da\u00eem\u00ee re peyda dibin. Bi v\u00ee reng\u00ee, wek\u00ee ko\u00e7berek, h\u00fbn \u00ea hewcey\u00ea v\u00eezaya r\u00fbni\u015ftina da\u00eem\u00ee bibin. Di dawiy\u00ea de, h\u00fbn \u00ea hewcey\u00ea N\u00famero de identidad de extranjero<\/em> NIE-ya xwe<\/a> bikin. <\/p>\n\n Li Spanyay\u00ea gelek p\u00ea\u015fk\u00ea\u015fker\u00ean qerta krediy\u00ea hene. L\u00eabel\u00ea, hin ji y\u00ean din populertir \u00fb ko\u00e7bertir in. Ka em li hin ji ba\u015ftir\u00een kart\u00ean krediy\u00ea y\u00ean ji bo ko\u00e7ber\u00ean li Spanyay\u00ea bin\u00earin. <\/p>\n\n Her \u00e7end WiZink bankek ten\u00ea serh\u00eal e j\u00ee, ew ji xer\u00eedar\u00ean xwe Mastercard-a b\u00ea-xerc bi 3% vegerandina kir\u00een\u00ean we re p\u00ea\u015fk\u00ea\u015f\u00ee dike. L\u00eabel\u00ea, ew ten\u00ea ji bo her 2 kategoriyan di r\u00eaw\u00eetiy\u00ea, xwarin, moda \u00fb dema vala de derbas dibe. <\/p>\n\n Ji ber v\u00ea yek\u00ea, heke h\u00fbn li qerta krediyek erzan digerin ku h\u00fbn dikarin wek\u00ee ku h\u00fbn bidin j\u00ee qezenc bikin. Ev ji bo we ya her\u00ee ba\u015f e. W\u00eaney\u00ea v\u00ea yek\u00ea, dravdana gotin\u00ea dikare her meh bigih\u00eeje 6 Euro<\/a> . Wek\u00ee din, h\u00fbn j\u00ee biryar didin ka keng\u00ea h\u00fbn fat\u00fbrey\u00ean qerta krediya xweya mehane bidin \u00fb \u00e7awa bidin. Dema ku h\u00fbn \u00ea her meh fat\u00fbreya xwe bidin, h\u00fbn bang\u00ee guleyan dikin. <\/p>\n\n P\u00ea\u015fk\u00ea\u015fkar dih\u00eale h\u00fbn her meh\u00ea bi tevah\u00ee bidin an her meh\u00ea m\u00eeqdarek diyar bidin. Her weha h\u00fbn dikarin biryar bidin ku her meh ji sed\u00ee krediya xweya berdest bidin. L\u00eabel\u00ea, div\u00ea h\u00fbn bala xwe bidin ku bi qert\u00ean krediy\u00ea re, \u00e7\u00eatir e ku h\u00fbn her meh fat\u00fbrey\u00ean xwe bi tevah\u00ee bidin da ku ji berjewendiy\u00ea d\u00fbr nekevin. <\/p>\n\n Ger h\u00fbn li qerta krediyek ewledar digerin w\u00ea hing\u00ea ev kart ji bo we ye. Ji bo destp\u00eak\u00ea, jimareya kart\u00ea li ser nay\u00ea \u00e7ap kirin. Di heman dem\u00ea de ew bi CVV-yek d\u00eenam\u00eek\u00ee j\u00ee t\u00ea ku kir\u00een\u00ean qerta weya serh\u00eal dipar\u00eaze. CVV ten\u00ea ji bo \u00e7end h\u00fbrdeman derbasdar e, ji ber v\u00ea yek\u00ea h\u00fbn hinek\u00ee ji parastina li hember sextekaran pi\u015ftrast in. <\/p>\n\n Wek\u00ee din, p\u00ea\u015fk\u00ea\u015fker dih\u00eale h\u00fbn di navbera qerta f\u00eez\u00eek\u00ee \u00fb qerta d\u00eej\u00eetal de hilbij\u00earin. Her gava ku h\u00fbn qerta xwe bikar t\u00eenin h\u00fbn \u00ea agahdariyan bist\u00eenin. Ji ber v\u00ea yek\u00ea, h\u00fbn dikarin bib\u00eajin ka kesek din w\u00ea bikar t\u00eene. <\/p>\n\n Karta Krediy\u00ea ya Vekir\u00ee hilberek Openbank e. Kart bela\u015f e \u00fb ji bo kes\u00ean ku dahata her\u00ee k\u00eam 900 \u20ac ya bir\u00eak\u00fbp\u00eak digirin re peyda dibe. Kart dih\u00eale h\u00fbn bi Pergalek Kod\u00ea Ewle 3D ji firotgehan an serh\u00eal ti\u015ftan bikirin. Kart li her karsaziyek ku Visa qeb\u00fbl dike dixebite. <\/p>\n\n Bi v\u00ea qert\u00ea h\u00fbn dikarin her meh\u00ea heya 6,000 \u20ac s\u00eenorek bist\u00eenin, ti\u015ft\u00ea ku h\u00fbn hewce ne hesabek Openbankek \u00e7alak e. Dema ku h\u00fbn bi qerta bil\u00eat\u00ea bikirin gava ku h\u00fbn r\u00eaw\u00eetiy\u00ea<\/a> dikin, p\u00ea\u015fk\u00ea\u015fvan her weha b\u00eemeyek qezaya r\u00eaw\u00eetiy\u00ea ya bela\u015f p\u00ea\u015fk\u00ea\u015f\u00ee we dike. S\u00eenorek tezm\u00eenat\u00ea ya 120,202.20 \u20ac heye \u00fb daxwaz\u00ean seqet\u00ee \u00fb mirin\u00ea vedigire. <\/p>\n\n Xerca her\u00ee k\u00eam ji bo ki\u015fandina drav ji bankomatan bi v\u00ea kart\u00ea 3,90 \u20ac ye. L\u00eabel\u00ea, bala xwe bidin ku kir\u00eena bi dirav\u00ea biyan\u00ee d\u00ea heq\u00ea we bide. Xerca 3% ji m\u00eeqdara kir\u00een\u00ea, bi k\u00eaman\u00ee 2 \u20ac ye. <\/p>\n","protected":false},"excerpt":{"rendered":" Finances! Yek aliyek jiyan\u00ea ku hem bi avantaj \u00fb hem j\u00ee k\u00eamasiyan ve gir\u00eaday\u00ee ye…<\/p>\n","protected":false},"author":5,"featured_media":25462,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[4306],"tags":[8587,19415,19424,19437,19432,19409],"_links":{"self":[{"href":"https:\/\/expateuropa.com\/ku\/wp-json\/wp\/v2\/posts\/28337"}],"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=28337"}],"version-history":[{"count":0,"href":"https:\/\/expateuropa.com\/ku\/wp-json\/wp\/v2\/posts\/28337\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/expateuropa.com\/ku\/wp-json\/wp\/v2\/media\/25462"}],"wp:attachment":[{"href":"https:\/\/expateuropa.com\/ku\/wp-json\/wp\/v2\/media?parent=28337"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/expateuropa.com\/ku\/wp-json\/wp\/v2\/categories?post=28337"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/expateuropa.com\/ku\/wp-json\/wp\/v2\/tags?post=28337"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}P\u00ea\u015fniyarek Pergala Krediy\u00ea ya Span\u00ee <\/h2>\n\n
Avakirina D\u00eeroka Krediya Ba\u015f li Spanyay\u00ea<\/h2>\n\n
Serl\u00eadana ji bo qerta krediy\u00ea li Spanyay\u00ea<\/h2>\n\n
P\u00ea\u015fk\u00ea\u015fker\u00ean Qerta Krediy\u00ea li Spanyay\u00ea <\/h2>\n\n
WiZink Plus<\/em><\/h3>\n\n
Karta Krediy\u00ea BBVA Aqua<\/em><\/h3>\n\n
Karta Krediy\u00ea vekin<\/em><\/h3>\n\n