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💢چند نکته مهم دربارهٔ انواع وام‌ که شاید ندونید👌

🔺۱. وام قرض‌الحسنه: سود نداره، ولی کارمزد داره! خیلی‌ها فکر می‌کنن رایگانه، ولی کارمزدهای اداری گاهی بالاست.

🔺۲. وام مراحبه: وام خرید کالای خاص یعنی بانک باهات توافق می‌کنه یه چیزی رو بخره و بعد بهت بفروشه، با سود مشخص.

🔺۳. وام فوری بدون ضامن: اغلب تبلیغاته؛ پشت پرده این وام‌ها معمولاً یا اعتبارسنجی خیلی سخت دارن یا سقف پایین.

🔺۴. وام گرفتن به اسم بقیه: ریسک داره چون چک‌ها، ضامن‌ها و اعتبار بانکی مال تو نیست؛ ممکنه یههو همه چی خراب شه.

@monetary_academy

آکادمی اقتصاد ایران
💢چند نکته مهم دربارهٔ انواع وام‌ که شاید ندونید👌

🔺۱. وام قرض‌الحسنه: سود نداره، ولی کارمزد داره! خیلی‌ها فکر می‌کنن رایگانه، ولی کارمزدهای اداری گاهی بالاست.

🔺۲. وام مراحبه: وام خرید کالای خاص یعنی بانک باهات توافق می‌کنه یه چیزی رو بخره و بعد بهت بفروشه، با سود مشخص.

🔺۳. وام فوری بدون ضامن: اغلب تبلیغاته؛ پشت پرده این وام‌ها معمولاً یا اعتبارسنجی خیلی سخت دارن یا سقف پایین.

🔺۴. وام گرفتن به اسم بقیه: ریسک داره چون چک‌ها، ضامن‌ها و اعتبار بانکی مال تو نیست؛ ممکنه یههو همه چی خراب شه.

@monetary_academy
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Telegram new update brings infinite reactions, emoji statuses

Encrypted messaging app Telegram has announced that it is rolling out a new update that gives users more ways to use new emojis to express how they are feeling -- with infinite reactions and emoji statuses. The company said that premium users can pick reactions from an infinite selection of custom emojis. To make choosing from thousands of emojis easier, they can now attach up to three reactions per message.

💢چند نکته مهم دربارهٔ انواع وام‌ که شاید ندونید👌

آکادمی اقتصاد ایران TG
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