Menene kuma yadda za'a gano lambar lambar batun tarihin bashi - bayyani kan ra'ayi + hanyoyin da aka tabbatar

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Barka dai, masoyan masu karanta Ra'ayoyin Rayuwa! Wannan labarin zai mai da hankali ne akan lambar batun darajar lamuni - menene menene kuma ta yaya zaku iya gano shi.

Af, shin ka ga yadda dala ta riga ta kai darajar? Fara samun kuɗi akan banbanci a canjin canjin anan!

Hakanan zamu rufe:

Shin yana yiwuwa a gano lambar asalin darajarku ta batun layi akan layi;
Yadda ake kirkirar lambar idan aka bayar da lamuni a karon farko;
Shin yana yiwuwa a yi ba tare da lambar ba.

A ƙarshen littafin, a al'adance muna amsa mashahuran tambayoyin akan batun da ake la'akari.

Don haka mu tafi!

Karanta game da menene lambar asalin lamuni game da batun daraja da yadda zaku iya samun sa a cikin labarin mu

1. Menene lambar batun lamuni na tarihin bashi - cikakken bayyani game da batun 📋

A matsayinka na ƙa'ida, yayin neman rance, ƙungiyoyin bashi suna tambayar abokin ciniki lambar lamuni na tarihin bashi, wanda suke buƙatar samun bayanai game da yanayin kuɗi na mai rance daga BCH (Ofishin Tarihin Ba da Lamuni).

Lambar mahimmin tarihin Kiredit ita ce lambar ganowa (ganowa) ta mai aro (daga 4 kafin 15 haruffa). Ya fara kasaftawa tun 2006 kuma yana baka damar gano wanne CRI yake dauke da tarihin darajar bashi.

Bugu da ari, bisa bayanan da aka samu daga CRI, kungiyar bada lamuni ta yanke shawara kan batun lamuni ko kin amincewarsa.

Karanta game da yadda kuma yadda zaka sami lamuni tare da mummunan tarihin daraja ba tare da ƙin yarda da ɗaya daga cikin al'amuranmu ba.

1.1. Inda zan sami lambar daraja ta tarihi lambar daraja

Lokacin da ɗan ƙasa ya fara neman bashi, an ba shilambar tarihin darajar daraja... Cibiyar kuɗi (yawanci banki ko IFIs) lokacin kulla yarjejeniya tare da wanda ya ranta, yana nuna irin wannan lambar a cikin yarjejeniyar kanta ko a cikin karin bayani zuwa gare ta. Bayan haka, lokaci guda tare da canja wurin bayani game da wanda ya karɓi bashin zuwa BCH, ana aika musu da wannan lambar.

Tsarin makirci na samuwar lambar lambar batun CI

Lambar tarihin lamuni na batun na iya kasancewa ko ba shi ba. Wannan yana yiwuwa ne idan mutumin bai taba karbar bashi ba, ko kuma rancen ya karbe shi kuma ya biya a da 2006 na shekara... Sannan zai iya samun ta ta hanyar bayar da abin da ya dace maganganun a NBKI (Ofishin Asusun Tarihi na Kasa).

Idan ɗan ƙasa bai manta da lambar taken CI ba, to yana iya yi bincike don karɓar wannan bayanin daga ɗayan manyan bankunan. Koyaya, yana da daraja la'akari cewa wannan sabis ɗin zai kasance biya.

1.2. Yaya lambar lambar daraja ta batun take

Lambar tarihin darajar lamuni jigon haruffa ne da lambobi. Tsawon irin wannan cipher shine daga 4 kafin 15 haruffa.

Wannan shine yadda lambar batun batun tarihin daraja yake

Babban Bankin Tarayyar Rasha a 2005 shekara, an ba da doka don ƙirƙirar waɗannan lambobin. Duk da wannan, karo na farko ya yadu al'adar kirkirar lambar ta mai aro.

Don haka, misali, har zuwa 2006 shekaru, lokacin da aka bayar da rancen farko, an ba abokin ciniki don ya zo da mai ba da izini, wanda ya ƙunshi haruffa Latin da lambobi. Shi ne wanda ya zama lambar tarihin darajar darajar batun.
Koyaya, wannan ya haifar da gaskiyar cewa ga yawancin masu karɓar lambar lambar ta zama kalma mai ma'ana ko haɗin lambobi.

Yakovleva Galina

Masanin harkokin kudi.

Yi Tambaya

Sabili da haka, a yau, bisa ga umarnin Babban Bankin, ƙungiyoyin bashi suna ƙirƙirar lambar CI ta batun don abokan ciniki waɗanda suka nemi su don rance a karon farko.

1.3. Menene don

Da dama ofisoshin bashi suna aiki a Rasha. Don ganowa wanene ke adana bayanai game da takamaiman lamuni, kuna buƙatar sanin lambar lambar batun tarihin daraja.

Amfani da wannan cipher, zaku iya samun rahoto kan lamunin da mutum ya karɓa da kuma cika alƙawari a ƙarƙashinsu a cikin BCH.Yana da muhimmanci a sani, menene1 sau daya a12 watanni ana bayar da wannan bayanin kyauta. Yadda ake gano tarihin daraja kyauta ta sunan ƙarshe ta hanyar Intanet, munyi magana dalla-dalla a ɗayan labaranmu.

Babu wani amfani ga lambar. Ba kwa buƙatar neman sabon rance kuma sanya hannu kan yarjejeniyar da ta dace. Sabili da haka, mai ba da bashi ba shi da ikon ya ƙi ba da rance ga wanda ya karɓi rancen saboda kawai bai tuna da lambar tarihin rancensa ba.

1.4. Me yasa canza shi

Lambar tarihin darajar daraja shi ne cipher na musamman. Amfani da shi a kan hanyar Intanet na Babban Bankin Tarayyar Rasha (www.cbr.ru), mai aro zai iya neman bayani game da kansa. Anan zaku iya canza ko sake saita lambar abokin ciniki.

Canji na lambar batun CI a kan tashar yanar gizon bankin Rasha

Ana buƙatar canje-canje don tabbatar da tsaro na bayanai. Tabbas, tarihin bashi yana ba da babban matakin kariya ga bayanai. Koyaya, akwai yanayi daban-daban a rayuwa.

Idan masu yaudara sun sami damar samun damar keɓaɓɓun bayananku, ya dace ku ɗauki matakin gaggawa. A irin waɗannan halaye, masana suna ba da shawarar canza lambar. Idan lambar ta share, za ka iya tuntuɓar NBCH don mayar da ita.

Ta wannan hanyar, lambar mahimmin mahimmanci ne na tarihin darajar ku. Mai aron dole ne ya san yadda ake amfani da shi, canza shi, kuma ya koya a yayin asara.

Tabbatattun hanyoyi don gano lambar asalin darajar lambun ku

2. Yadda za a gano lambar batun batun tarihin bashi - 3 zaɓuɓɓukan abin dogara 📑

Tare da ci gaban Intanet, neman bayanai iri-iri ya zama mafi sauƙi. Koyaya, ba shi yiwuwa a bayyana lambar tarihin daraja ta batun ta hanyar binciken kan layi mai sauki. Koyaya, akwai 3 abin dogara za optionsu options optionsukan samu wannan bayanin.

Zabi 1. Bayan nazarin yarjejeniyar bashi

Kamar 'yan shekarun da suka gabata, duk bankunan sun nuna a cikin yarjejeniyar lamunin lamuni na batun tarihin daraja.

Bayani game da lambar na iya ƙunsar:

kai tsaye a cikin sassan yarjejeniyar;
a cikin ɗayan abubuwan haɗin yarjejeniyar.

Lambar magana a yarjejeniyar lamuni

Koyaya, har zuwa yau, ba kowa bane ya riƙe wannan aikin. Yawancin manyan kungiyoyin banki suna ɗaukar lambobin tarihin lamuni azaman bayanan sirri. Ba sa nuna su a cikin kwangila. Saboda haka, abu ne mai yuwuwa koyaushe don gano cipher ta hanyar nazarin yarjejeniyar.

Wani zaɓi 2. Ta hanyar tuntuɓar banki

Idan babu lamba a cikin yarjejeniyar, za ku iya tuntuɓar bankin da ya ba da rancen don bayani. A wannan yanayin, kuna buƙatar kawai yanzu fasfo.

Koyaya, ba duk ƙungiyoyin bashi suke son biyan bukatun abokan ciniki ba. Da yawa sun ƙi bayar da lambar, suna nufin takaddun banki na ciki da yawa. A irin wannan yanayin, dole ne ku yi amfani da zaɓi na uku.

Zabi 3. Ta hanyar rubuta sanarwa ga BKI

Don samun lambar batun batun tarihin daraja, yakamata ku tuntuɓi sashin mafi kusa na BCH.

Don samun bayanai game da lambar, kuna buƙatar:

yi fasfo tare da kai;
don rubuta aikace-aikace;
biya hukumar.

Yawancin lokaci, dole ne ku biya irin waɗannan ayyukan daga 200 kafin 300 rubles.

Idan mai bashi ba zai iya ba, saboda kowane dalili, da kansa ya zo ofishin BCI, za ku iya aika aikace-aikacen wannan lambar zuwa ga NBCH ta hanyar wasiƙa. Wannan hanyar za a yi nazari dalla-dalla a cikin labarin.

Yana da mahimmanci a fahimta! Ba tare da la'akari da wane zaɓi wanda mai aro zai yi amfani dashi don bayyana lambar tarihin daraja ta batun ba, zai zama dole don tabbatar da asalin mai shi.

Teburin da ke ƙasa yana nuna hanyoyin samo lambar batun CI da takaddun da ake buƙata don wannan.

Tebur: "Zaɓuɓɓuka don samun lambar batun CI da takaddun da ake buƙata don wannan sabis ɗin"

№	Yadda ake samun lambar	Takardun da ake buƙata
1	Ta hanyar yarjejeniyar bashi	Yarjejeniyar rance da aka bayar a baya
2	Ta hanyar tuntubar banki	Fasfo
3	Nemi zuwa BKI	Fasfo Bayani Rasitin Hukumar

Tebur yana nuna cewa hanya mafi sauki don gano lambar ku game da batun tarihin daraja shine a cikin yarjejeniyar rance, kuma idan babu shi - ta hanyar tuntuɓar cibiyar bashi.

3. Yadda ake kirkirar lambar tarihin kiredit na maudu'i - tabbatattun hanyoyi 3 📝

Duk wani mai aro ya fahimta: idan babu tarihin bashi, to ba za a sami lambar ba. Koyaya, akwai yanayi lokacin da aka bayar da lamuni, amma ba a ba da lambar ba ko ta ɓace.

A mafi yawan lokuta, wannan yana faruwa ne saboda gaskiyar cewa a da 2006 na shekara babu wanda ya tilasta wa abokan huldar bankin su karbi lamba. A sakamakon haka, waɗanda aka yaba wa har zuwa wannan lokacin suna da damar karɓar sabon lamba. Yi la'akari 3 hanyoyin da aka tabbatar yi wannan.

Hanyar 1. Saduwa da NBCH

Don samun lambar ta amfani da NBKI, dole ne ku bi tsarin ayyuka masu zuwa:

ziyarci rukunin yanar gizon ƙungiyar kuma adana fom ɗin aikace-aikacen;
cika fom;
notari sanya hannu akan aikace-aikacen;
biya kwamiti wanda yake game da 300 rubles;
aika ta wasiƙa zuwa adireshin NBKI (duba a kan shafin yanar gizon hukuma) aikace-aikacen da aka kammala kuma an tabbatar da su tare da kwafin takardar biyan kuɗin.

Bayan karɓar aikace-aikacen, ƙwararru na Ofishin Tarihin Kiɗa na Creditasa suna aiwatar da ayyukan da ake buƙata, mis sakewa ko sauya lambar. A ƙarshen aikin, za a aika adireshin da ya dace ga mai karɓar rahoto.

Hanyar 2. Ta hanyar bankin da ya bayar da rancen farko ga wanda ya ara

Ana iya samun lambar daga cibiyar lamuni wanda ta ba da rancen farko ga mai aro. Idan ba a nuna lambar a cikin takaddun ba, ya kamata ku tuntuɓi kamfanin kuɗi kai tsaye. A wannan yanayin, dole ne ku cikasanarwa, da yarda don aiwatar da bayanan sirri.

Yana da daraja la'akari cewa ana bayar da irin wannan sabis ɗin don kuɗi. Hukumar tana gab da 300 rubles.

Hanyar 3. A yayin aiwatar da sabon lamuni

A cikin 'yan shekarun nan, Babban Bankin Tarayyar Rasha ya rage yawan cibiyoyin bashi. Saboda haka, yana iya zama banki ko MFI wanda ya ba da rancen farko bai wanzu ba. A wannan yanayin, zaku iya amfani da wannan hanyar.

Don karɓar sabon lamba na batun tarihin daraja, kuna buƙatar ba da ƙaramin lamuni. Lokacin sanya hannu kan yarjejeniyar, ana samar da lambar da ta dace.

Munyi magana game da inda za'a sami rance tare da mummunan tarihin bashi kuma waɗanne bankuna basa duba CI mai aro, munyi magana akan labarin da ya gabata.

Ta wannan hanyar, ana iya aiwatar da lambar ta ɗayan 3-x hanyoyi. Zaɓin su da farko saboda halin da ake ciki yanzu.

Shin yana yiwuwa a gano lambar daraja ta daraja ta wani abu akan layi - za mu faɗa muku ƙari

4. Yaya zaka nemo lambar lamuni na tarihin lamuni akan layi (ta hanyar Intanet) kyauta? 💸

Yawancin masu bashi suna ƙoƙarin tabbatar da lambar akan layi. Koyaya, babu sabis wanda ke samar da irin waɗannan bayanan akan Intanet koda lokacin bayar da bayanan fasfo. Tabbas, a wannan yanayin, akwai babban haɗarin cewa masu zamba zasu iya mallakar bayanan mutum.

Gaskiyar ita ce bayanan da ke cikin tarihin lamuni na sirri ne kuma doka ta kiyaye su... Sabili da haka, zaku iya gano lambar tarihin daraja ta batun kawai tare da roko na mutum ko ta hanyar aika aikace-aikacen da ya dace tare da takaddar takaddama ta sa hannu ta notary.

Masana sunyi gargaɗi cewa yawancin masu zamba suna aiki akan hanyar sadarwa. Don mallake kuɗin 'yan ƙasa masu ruɗu, za su iya ba da waɗannan ayyuka don biyan kuɗi:

gano lambar lambar batun tarihin daraja - mai karbar bashi, bayan ya canza wurin hukumar, an aika masa da bazuwar haruffa da lambobi, wanda ba shi da alaƙa da gaskiya, ko kuma kawai ba ya bayar da wani bayani;
cire mummunan bayanai daga tarihin daraja - ba shi yiwuwa. Koyaya, kowa na iya haɓaka suna, amma saboda wannan dole ne ku samu kuma ku biya rance da yawa akan lokaci;
oda rahoton bashi - ana iya yin hakan ta hanyar aika buƙatun hukuma zuwa BKI.

Abinda za'a iya yin akan layi shine idan kana da lambar batun daraja ta tarihi, ƙaddamar da buƙata zuwa takamaiman BCH ta bankin Intanet.

Bugu da ƙari, ana iya yin wannan kawai idan ƙungiyar ba da bashi ta ba da irin wannan sabis ɗin. Wani lokaci a 12 watanni, kowane abokin ciniki yana da damar karɓar bayani daga tarihin daraja kyauta ne.

Hakanan, sanin lambar ku, zaku iya buƙatar bayani a ciki Ofishin Tarihin Kari na Kasa... Koyaya, ana ba da wannan sabis ɗin don kuɗi - farashin ya kusan 300 rubles.

5. Zai yiwu a yi ba tare da lambar batun CI ba? 📄

Yawancin masu karɓar bashi ba su da masaniyar dalilin da ya sa suke buƙatar lambar tarihin daraja ta ƙungiya. Dangane da wannan, galibi suna da tambaya: zaka iya yin sa ba tare da shi ba?

Gabaɗaya, ana buƙatar wannan lambar don kawai don dacewar abokin ciniki. Tare da taimakonta, zaku iya bin diddigin canje-canje cikin tarihin darajar ku. Koyaya, ƙaddamar da buƙata ga BCI, zaku iya yin ba tare da lambar ba.

Yawancin lokaci, don samun rahoton bashi daga CHB ya isa:

tantance bayanan sirri (Cikakken suna da bayani daga fasfo din);
wuce ganewa

Bayan haka, ana aika bayanin ta wasiƙar Rasha ko ta Intanit. Koyaya, ana amfani da wannan hanyar don samun bayanai a cikin manyan ofisoshi kawai. Bugu da ƙari, don samun bayanai ta wannan hanyar, yana da mahimmanci a san abin da aka ajiye BKI.

Idan babu cikakken bayani, kuma ya zama dole a gano wane ofisoshin ke ƙunshe da tarihin tarihin rance, ba zai yi aiki ba tare da lambar ba.

A hanyar, wasu ƙungiyoyin bashi suna buƙatar masu aro don nuna lambar ta batun CI tuni a matakin aikace-aikacen. Duk da haka abokin ciniki yana da kowane haƙƙi koma zuwa ga gaskiyar cewa baya tuna lambar sa.

Masu aro su sani cewa bankin bashi da ikon ya ki bada bashi saboda kawai rashin bayanai game da lambar batun tarihin bashi. Idan wannan shine dalilin yanke shawara mara kyau, zaku iya amincewa zuwa ga hukumomin shari'a.

A wannan halin, sabis na tsaro na cibiyar bashi dole ne da kansa ya aika da tambayoyi ga manyan ofisoshin. Koyaya, babu tabbacin cewa a cikin su ne aka adana bayanan wani mai aro. Saboda haka, rahoton bashi bazai cika ba.

Ta wannan hanyar, ana iya buƙatar lambar lambar batun tarihin daraja ta cibiyoyin kuɗi, da kuma ɗan ƙasa kansa.

Kungiyoyin bada lamuni suna amfani da wannan dillalan don tattara bayanai game da martabar wanda ya ranta
Masu cin bashi za su iya amfani da lambar don bin diddigin tarihin darajar su.

Ta hanyar, 'yan ƙasa suna da haƙƙin hana izinin samun bayanai game da kansu. Don wannan dalili, zaku iya canza ko share lambar a kan albarkatun Intanet na Babban Banki da NBKI.

6. Menene mahimmanci a tuna to 💎

Yana da amfani ga kowane mai bashi ya san mahimman bayanai game da lambar batun darajar lamuni:

Kada ku yarda da waɗanda suke da'awar cewa sun sami sabon lambar tarihin daraja, zaku iya sake saita lalacewar mutuncinku. 'Yan damfara sun yada wannan bayanin. A zahiri, ganowa a cikin NBCH ana aiwatar dashi ta hanyar amfani da bayanan sirri. Sabili da haka, koda an canza lambar a cikin tarihin bashi, bayanai game da lamuni na yanzu da waɗanda aka riga aka biya, da rancen da suka wuce lokaci, za'a adana. Munyi magana game da yadda za'a gyara tarihin darajar ku a cikin labarin ƙarshe.
Idan babu lambar a cikin yarjejeniyar rancen da aka zana tun da daɗewa, ƙila ba a ƙirƙira ta ba tukuna. A wannan yanayin, mai karbar bashi yana da damar da kansa ya bi hanyar da aka samar dashi. Don wannan dalili, yana buƙatar tuntuɓar ƙungiyar banki ko kai tsaye zuwa ofishin lamuni.
Idan lambar ta ɓace, ba za a iya dawo da ita ba. A takaice, idan an manta haɗin lambobi da haruffa, dole ne ku tuntuɓi ofishin bayar da bashi don ƙirƙirar sabo cipher. Bugu da ƙari, koda mai karɓar ya samo tsohuwar bayan ƙirƙirar sabuwar lambar, tuni za a ɗauka ba ta da inganci. Masana sun bada shawara adana lambar a cikin amintaccen wuri tare da wasu mahimman takardu.A wannan yanayin, ba za ku iya damuwa da asararsa ba kuma ku guji ƙarin kashe kuɗi masu alaƙa da biyan kwamiti don ƙirƙirar sabuwar lamba.
Idan akwai lambar, mai karbar bashi yana da damar neman rahoto game da tarihin bashi bashi kyauta. Gaskiya ne, ana iya yin hakan sau ɗaya kawai a shekara... Idan akwai buƙata ko buƙata a fayyace bayani sau da yawa, dole ne ku biya kuɗin waɗannan ayyukan.

7. Amsoshin tambayoyin da ake yawan yi (FAQ) 💬

A yayin nazarin bayanai game da lambar batun batun tarihin bashi, yawancin adadi suna tashi. Don adana lokacinku, a ƙarshen buga littafin a al'adance muna amsa shahararrun waɗanda.

Tambaya 1. Menene ƙarin lambar batun batun CI kuma me yasa ake buƙatarsa?

Duk wani mai karbar bashi yana da damar kirkirar abubuwa ƙarin lambar... Ana iya yin wannan akan gidan yanar gizon Babban Bankin Tarayyar Rasha. Ya kamata a fahimta cewa don ƙirƙirar ƙarin lambar, dole ne ka tantance na yanzu.

Irƙiri aikace-aikace don girka ƙarin lamba na batun CI

Irin wannan cifer galibi ana amfani dashi don ba da damar samun damar bayanai game da mutuncin mutum na ɗan lokaci. Codearin lambar aiki a lokacin 30 kwanaki tun kafuwarta.

Tambaya 2. A ina zan sami lambata a yarjejeniyar lamuni?

Lokacin zana yarjejeniyar bashi, yana yiwuwa 3 zaɓuɓɓuka game da kasancewar lambar batun CI a ciki:

yarjejeniyar ba ta ƙunshi wannan cipher ba;
don haɗa lambar a cikin kwangilar, ana amfani da ƙarin ƙarin bayani, wanda ya ƙunshi bayanan da suka dace;
an nuna lambar lambar batun tarihin daraja a shafin farko na yarjejeniyar a cikin kusurwar dama ta sama.

Ba duk bankuna bane ke haɗa lamba a cikin yarjejeniyar rancen. Wannan saboda rashin ishara ne ga irin wannan wajibcin a cikin doka. Idan mai karbar bashi bai sami lambar a cikin yarjejeniyar ba, dole ne ya tuntubi bankin don samo shi.

Don haka, lambar batun CI itace keɓaɓɓiyar maɓalli (nau'in "lambar lamba") wacce aka sanya wa kowane mai aro. Tare da taimakonta, zaku iya samun cikakken bayani game da tarihin darajar kuɗi na wani ɗan ƙasa.

Yana da amfani ga kowane mai bashi ya san ta yaya da kuma inda zaku yi amfani da lambarku, haka kuma ku sami damar samar da sabo.

A ƙarshe, muna ba da shawarar kallon bidiyon - "Yadda ake ganowa da bincika CI:

Kuma bidiyo game da lambar batun CI:

Wannan a gare mu kenan.

Muna yi wa masu karanta Ra'ayoyin Rayuwa fatan alheri! Kiyaye tarihin darajar ku ta hanyar tsabta!

Ya ƙaunatattun abokai, idan kuna son labarin, to raba shi a kan hanyoyin sadarwar jama'a. Haka nan za mu yi farin cikin amsa duk tambayoyin da kuke da su - tambaya a cikin maganganun da ke ƙasa. Har sai lokaci na gaba!

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