Access Bank Vs First Bank: Keebaa u Wanagsan Ganacsiga?
Ka bilow ganacsi Nigeria waxay noqon kartaa dadaal adag, gaar ahaan marka ay timaado helitaanka waxa loo baahan yahay maalgelinta. Inkasta oo ay jiraan barnaamijyo amaah ah oo ay dawladdu leedahay oo kala duwan oo loogu talagalay ganacsiyada, aad bay ugu adag tahay dadwaynaha inay helaan amaahda sababtoo ah hababka codsiga adag, iyo daahfurnaan la'aanta, iyo kuwo kale.
Sidaa darteed, ganacsiyadu inta badan way u jeestaan bangiyada ganacsiga gargaar, iyo qaar badan oo kuwan ka mid ah Banks waxay caddeeyeen inay yihiin nimco badbaadinaya Ganacsiga. Haddii aad ganacsi ku leedahay Nigeria oo aad rabto inaad kala doorato Bank Access iyo Baanka Hore alaabta amaahda, boostadani adigaa leh.
Hoos waxaa ah isbarbardhigga qoto dheer ee labadan bangi ee 'weyn' ee deynta ganacsiyada. Maqaalkani waxa uu ka hadlayaa shuruudaha u-qalmitaanka, heerka dulsaarka, shuruudaha lacag bixinta, adeegyada taageerada dheeraadka ah, iyo faa'iidooyinka iyo khasaarooyinka.
Helitaanka Amaahda Bangiga ee Milkiilayaasha Ganacsiga
Baanka Access waxa uu macaamiishooda siiya alaabooyin badan oo amaah ah. Nooca amaahda ee la siiyo Ganacsatada waa Amaah Ganacsi degdeg ah.
Waa maxay Amaahda Ganacsi ee degdega ah?
Amaahda Ganacsiga Degdegga ah ee Access Bank waa badeecad maalgelin dhijitaal ah oo loogu talagalay in lagu xoojiyo SMEs iyada oo la siinayo dhaqaalaha lagama maarmaanka ah si ay u bilaabaan ama u joogteeyaan hawlahooda ganacsi muddo gaaban.
Iyadoo la raacayo shuruudaha aqbalaadda halista ee Bankiga (RAC), barnaamijkani wuxuu ka caawiyay ganacsiyo aan tiro lahayn inay dhistaan oo koraan shirkadahooda.
Shuruudaha Xaq u yeelashada
Hoos waxaa ah dukumeentiyada iyo shuruudaha ay tahay inaad buuxiso si aad u hesho Amaahda Ganacsiga Degdegga ah ee Helitaanka Bangiga:
- Shirkad Ganacsi oo shahaado ah
- Caddaynta MEMART (tusaale, dukumeenti sharci ah oo si cad u sheegaya ujeedada shirkadda, magaca saamilayda iyo lambarka, iyo siyaasadaha)
- BVN iyo TIN ee milkiilayaasha shirkadda iyo xiriirada.
- Ganacsigaagu waa inuu jiraa ugu yaraan hal sano.
- Koontada Access Bank oo firfircoon oo saddex bilood jir ah.
- Amaah ma jirto
- Rikoor credit cajiib ah
Qadarka Amaahda iyo Heerarka Dulsaarka
Qadarkaagu wuxuu ku xiran yahay dakhliga ganacsiga - sababtoo ah waxaad heli kartaa 50% oo kaliya celceliska wareegaaga bishii. Waxay ka dhigan tahay in dakhligaaga bishii uu yahay arrin muhiim ah oo lagu go'aaminayo qaddarka ugu badan.
Dhanka kale, shaxda hoose waxay ka kooban tahay qaar ka mid ah isbeddelada iyo xadka deynta u dhiganta.
| Celceliska Wax-soo-celinta Bishii | Xadka ugu badan |
|---|---|
| 500,000 - ₦ 2,499,999 | ₦ 1,000,000 |
| 2,500,000 - ₦ 4,999,999 | ₦ 2,000,000 |
| 5,000,000 - ₦ 9,999,999 | ₦ 3,000,000 |
| 10,000,000 - ₦ 24,999,999 | ₦ 4,000,000 |
| 25,000,000 - ₦ 49,999,999 | 25,000,000 - ₦ 49,999,999 |
| >₦50,000,000 - ₦ 59,999,999 | ₦ 6,000,000 |
| 60,000,000 - ₦ 69,999,999 | ₦ 7,000,000 |
| 70,000,000 - ₦ 79,999,999 | ₦ 8,000,000 |
| 80,000,000 - ₦ 89,999,999 | ₦ 9,000,000 |
| 90,000,000 - ₦ 100,000,000 | ₦ 10,000,000 |
Ogow adiga ma awoodo hel in ka badan ₦10 milyan, iyadoon loo eegayn celceliska dakhligaaga bishii ama socodka lacagta caddaanka ah.
dulsaarka
Amaahda Ganacsi ee degdega ah waxay soo jiidataa 10% dulsaarka qaddar kasta oo aad hesho. Aynu nidhaahno waxaad amaahatay 1,000,000, waxaa lagaa filayaa inaad bixiso ₦100,000 dulsaar ahaan.
Marka laga reebo dulsaarka, khidmadaha kale waxaa ka mid ah 1% khidmadda maamulka, 1% kharashka la-talinta, iyo 0.9% caymiska caymiska, kuwaas oo horay loo sii qaado.
Shuruudaha Bixinta
Shuruudaha iyo shuruudaha lacag bixinta waa cad yihiin. Maadaama wakhtiga amaahdu uu yahay lix bilood, waa inaad dib u soo celisaa deynta muddada xaddidan si aad uga fogaato kharashyada dheeraadka ah iyo cunaqabataynta sharciga ah.
Nidaamka Arjiga
Waxaad codsan kartaa Amaahda Ganacsi ee degdega ah ee Access Bank iyada oo loo marayo habka soo socda:
- Download ah QuickBucks app
- Gal akoonkaaga gelitaanka
- Raac tilmaamaha xiga
Faa'iidooyinka
Hoos waxaa ku yaal qaar ka mid ah faa'iidooyinka amaahda ganacsiga degdegga ah ee Access Bank:
- Dulsaarka cadaalada ah
- Oggolaanshaha degdega ah iyo habka bixinta Waxay qaadataa laba (2) ilaa shan (5) maalmood oo shaqo oo keliya.
- Amaahda waa ay heli karaan macaamiisha xaqa u leh.
Qasaarooyinka
- Haddii ay dhacdo lacag deyn ah oo aad u badan, wakhtiga amaahdu waxa uu noqon karaa mid aad u gaaban.
- Meheradaha Shidaalka & Gaaska, Dhismaha, Guryaha Ma-guurtada ah, iyo Waaxyaha Waxbarashadu waa kuwo aan xaq u lahayn.
Amaahda Ganacsiga ee First Bank
First Bank waxa kale oo uu bixiyaa kaalmo dhaqaale oo badan si ay u furto shirkaddaada oo ay kor ugu qaaddo koboceeda in muddo ah. Midka ugu weyn waa Bangiga Koowaad ee FirstCredit.
Waa maxay Amaahda FirstCredit ee First Bank?
Waa badeecad dayn ah oo siinaysa ganacsatada yaryar iyo kuwa dhexdhexaadka ah lacag yar oo ay wax kala iibsadaan.
Iyadoo Amaahda Ganacsiga degdega ah ee Access Bank ay bixiso SME-yo kala duwan, Amaahda FirstCredit ee First Bank waxaa si gaar ah loogu talagalay ganacsatada doonaya inay bilaabaan ama joogteeyaan ganacsiyada yaryar ama ganacsiyada yaryar.
Shuruudaha Xaq u yeelashada
Hoos waxaa ku yaal shuruudaha iyo dukumentiyada aad u baahan tahay si aad ugu qalanto deyntan:
- Xisaab lix bilood ah oo shaqaynaya First Bank
- BVN sax ah
- Diiwaanka amaahda cajiibka ah
- Wax kala iibsiga joogtada ah lixdii bilood ee la soo dhaafay.
Qadarka Amaahda iyo Heerarka Dulsaarka
Lacagaha ayaa si toos ah u dhigma hawlaha akoonkaaga. Inta badan ee aad wax kala beddesho, waa badnaanta qaddarka. Waxaad heli kartaa ilaa ₦300,000.00 haddii aad marar badan isticmaasho akoonkaaga.
dulsaarka
FirstCredit waxay leedahay dulsaar siman oo ah 8% lacag kasta. Waxa kale oo jirta khidmad caymis ah 5% wax kala iibsi kasta.
Shuruudaha Bixinta
Waxaad haysataa 30 maalmood oo aad ku bixiso deyntaada. Maxaa dhacaya haddii aad dhaafto wakhtiga kama dambaysta ah ee lacag bixinta? Waxaad bixin doontaa ujrooyinka caadiga ah oo aadan u qalmin deymaha mustaqbalka.
Geeddi-socodka Codsiga
Waxa xiisaha lihi leh, waxa aad amaahdan ku dalban kartaa lambarka USSD. Raac tillaabooyinkan si aad u codsato:
- Ku garaac *894# nambarka gacanta ee diiwaangashan
- Dooro Amaah
- Dooro FirstCredit
- Bixi lambarkaaga xisaabta
- Taabo 1 si aad u sii wadato
- Dooro qaddarka amaahda aad rabto
- Geli USSD 5-god PIN kaaga
Faa'iidooyinka
- Waxay ku habboon tahay milkiilayaasha ganacsiga hoose
- Bixinta degdega ah
- Habka codsiga fudud
- Looma baahna dammaanad
Qasaarooyinka
- Qadarka amaahda kuma filna bilaabista baaxadda weyn.
- Mudada gaaban
Amaahda Ganacsiga Degdegga ah ee Bangiga Helitaanka Vs First Bank FirstCredit Amaah: Isbarbardhigga Degdegga ah
Shaxda hoose waa isbarbardhig kooban oo u dhexeeya labada deyman.
| Qaybaha | Amaah Ganacsi degdeg ah (Bangiga gelitaanka) | Amaahda FirstCredit (Bangiga Koowaad) |
|---|---|---|
| Inta ugu badan | ₦ 10,000,000.00 | ₦ 300,000.00 |
| Bixinta/Oggolaanshaha | 2-5 maalmood oo shaqo | Isla markiiba |
| Dammaanad | Waa khasab | Looma baahna |
| Kireeyaha Amaahda | Lix bilood | 30 Days |
| Codsiyada Shaqaalaha Cusub | Fasax | Ussd fudud oo degdeg ah |
| Dulsaarka | 10% | 8% |
Xukun Final
Marka aad raadinayso deyn ganacsi, waa in aad ogaataa in aanu jirin hal-cabbir-xaal ku habboon-dhan. Waxa u shaqeeya hal ganacsade ayaa laga yaabaa inaanay mid kale u shaqayn.
Marka, waxaa lagu talinayaa inaad si taxadar leh u tixgeliso cabbirka ganacsigaaga, warshadaha, suuqa bartilmaameedka, iyo miisaaniyada ka hor intaadan kala dooranin inta u dhaxaysa Amaahda Ganacsi ee degdega ah ee Helitaanka ama Bangiga FirstCredit Loan.
Ilaha
https://www.accessbankplc.com/personal/borrowing/small-ticket-personal-loans
https://www.firstbanknigeria.com/personal/loans/firstcredit
https://www.accessbankplc.com/personal/borrowing/advance-for-school-fees
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