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Last Updated: 2/3/2017

Ganaaxa iyo Dulsaarka Canshuurta Dakhliga ee Qofka

​Hadii aad daahiso inaad canshuurtaada waqtigeeda ku xereyso, lacagta lagugu leeyahayna aad waqtigeeda ku bixin weyso, waxaa suurtoobi karta in lacag lagugu ganaaxo. Isticmaal warbixinta hoose si aad uga badbaadid in ganaax iyo dulsaar culeys ah lagu dul dhigo.

Nooca Ganaaxa ​Sidee uga badbaadi karaa ganaaxa?
​Daahinta Canshuur Xereynta

​Xereey canshuurtaada ka hor waqtiga kama danbeysta ah, hadii aad dib dhiganeyso waqtiga xereynta – ku xereey waqtiga laguugu darey ee kama danbeysta ah.

La Soco: Hadii aadan lahayn canshuur xereyn xilli leh, waqtiga caadiga ah ee canshuuraha la xereeyo wuxuu ku eg yahay bisha Abriil 15-keeda, halka waqtiga dheeriga ah ee lagu daro – uu ku eg yahay 15-ka Oktoobar.

​Daahinta Lacag Bixinta
  • ​Bixi canshuurtaada ayadoo dhameystiran intaan la gaarin waqtiga kama danbeysta ah (xataa hadii laguugu darey waqti dheeri ah), ama
  • Bixi ugu yaraan 90% canshuurta lagugu leeyahay ka hor waqtiga kama danbeynta ah ama waqtiga laguugu darey.
​Dayacaad Waqtiga Canshuur Xereynta ​Hadii aad hesho Dalab lagaaga codsanaayo inaad canshuurtaada soo xereyso, fadlan ka soo jawaab warqaddaas muddo 30 cisho ah gudohood.
​Qiimeynta Canshuurta Aad Bixinteeda La Daahdey Hadii aad hesho Amar Warqad Canshuureed, fadlan kaga soo jawaab warqaddaas mudo 60 cisho ah gudohood.

 

Nooca Ganaaxa Qiimaha Ganaaxa
​Daahinta Canshuur Xereynta

​5% qiimaha canshuurta aan lagu bixin waqtiga kama danbeysta ah

La Soco: dheereynta waqtiga aad canshuurta xereyn karto, macneheedu ma ahan in waqtiga bixinta lacagta laguu dheereeyey.

​Daahinta Lacag Bixinta
  • ​4% qiimaha canshuurta aan la bixin waqtiga kama danbeysta ah, iyo
  • 5% qiimaha canshuurta aan la bixin 180 cisho gudohood, ka dib waqtigii canshuurta la xereeyey

La Soco: Hadii aad xereysey canshuurtaada ka hor waqtiga kama danbeysta ah, waxaad heysataa 180 cisho ka dib waqtiga kama danbeysta ah.

​Dayacaad Waqtiga Canshuur Xereynta ​5% qiima canshuurta aan la bixin ama $100 doolar (hadba kii badan)
Qiimeynta Canshuurta Aad Bixinteeda La Daahdey
  • ​5% canshuurta aan la bixin 60 cisho gudohood ka dib marka la qiimeeyey canshuurtaada (sida, xal aad qaab abiil ah ku heshey), ama
  • 5% canshuurta aan lagu bixin 180 cisho gudohood ka dib waqtiga la qiimeeyey canshuurtaada

Dulsaar ma leedihiin?

Haa. Waxaan dulsaarnaa (interest) canshuuraha iyo ganaaxa laga bilaabo markii waqtiga kama danbeysta ah uu kaa dhamaado – illaa aad ka bixineyso lacagta lagugu leeyahay oo dhameystiran.
Dulsaarku wuu is bedbedelaa sanad walba. Qiimihii ugu danbeeyey ee dulsaarka waxaad ka dheehan kartaa jadwalka hoos ku xusan.

​Sanadka ​2010 - illaa hadda ​2009 ​2007 - 2008 ​2006
Qiimaha Dulsaarka ​3% ​5% ​8% ​6%

 

Somali - Penalty and Interest - Penalty and Interest