Aḥessb n urḍal

Aḥessb n urḍal

Ssefhem-d azal d tallit n usmel, lqidar n lfayda d ṣṣenf n lexlaṣat.
Aḥess ad iḥess azal n lexlaṣat, aɛeqqa d lqima n urḍal.

S umata, ttnernin medden sseqdacen izerfan n usselɣu akken ad xedmen lqeḍyan imeqranen. Tibankiwin d tuddsiwin ur nelli ara d tibankiwin ttakent-d idrimen s tɣawsiwin yemgaraden. Mi ara tessekcemḍ adrim ameqqran, amedya, akken ad tessenzeḍ axxam, takerrust, adrim i lebni n uxxam neɣ i usnerni n lxedma-inek, ilaq ad tessneḍ belli ad tzemreḍ ad tesɛuḍ arḍal-a. Iwakken ad tesɛuḍ laman deg ufran n wahil n usmel, nessutur-ak ad tesqedceḍ aḥess-nneɣ n usmel. Ssekcem azal n urḍal, tallit n uxelleṣ n urḍal deg wayyuren d lqidar n lfayda deg yiḥricen iwatan, yerna ssekneḍ-d daɣen ṣṣenf n lexlaṣat - annuité neɣ differentié, yerna tzemreḍ ad tafeḍ anwa aḥric seg lexlaṣat n urḍal ara iɛeddin akken ad txelṣeḍ aḍman, d wacu n weḥric ara iɛeddin akken ad ixelleṣ lfayda n usmel, lmizan n usmel-ik s wayyur, azal n uxelleṣ n tmerniwt, ama deg wayyur ama i tallit n usmel s lekmal-is, d lqidar n lfayda n tidet n usmel.

Lexlaṣ yemgaraden

S tmuɣli yemgaraden n uxelleṣ n tedrimt n urḍal, azal n urḍal yettwabḍa ɣef yiḥricen igerrzen. Iḥricen-a ttgen amur ameqran seg lexlaṣ-ik n yal agur. Ayen nniḍen yettgensis-d lfayda n lmizan ur yettwaxelṣen ara n usmel. Akka, ayyur ɣer wayeḍ yettnerni ssuma n lexlaṣ.
Tameẓla-agi n uxelleṣ n tedrimt tesɛa lxir.
Taggarat d akken adrim s tarrayt-a n uxelleṣ n yidrimen d ayen iweɛren ugar ad t-id-tafeḍ.
Ilaq lbanka ad tesseḥseb azal ameqqran n urḍal s lsas n ma yella win i d-ireḍlen yezmer ad ixelleṣ tiwsiwin timezwura. Aya anamek-is akken ad d-tafeḍ adrim am wa yessefk ad tesɛuḍ azal n tfada s wazal-is. Di kra n tmura, l’aḍman neɣ aɛiwed n yiḍemnen neɣ n yimeḍqan n tḍemna yezmer ad iɛiwen.
Lxir-nniḍen d akken azgen amezwaru n tallit n uxelleṣ d ayen iweɛren ladɣa i win yettwasqedcen. Ma yella nettmeslay-d ɣef urḍal ameqqran, aya yezmer ad yuɣal d aɛeqqa ẓẓayen i win ara t-id-ireḍlen. Maca ɣer sdat, lxir-a yezmer ad yuɣal d lfayda. Inflation d lqimat n lfayda ay d-yeɣlin ttgen-d axelleṣ d ayen ay d-yettawin lḥif d ameqran.

Lexlaṣ n useggas

S tmuɣli n annuité n uxelleṣ n urḍal, mačči kan d azal n urḍal i yettwabḍan ɣef yiḥricen igerrzen, maca ula d lfayda yellan fell-as i tallit n urḍal s lekmal-is. Akka, win yettwasqedcen yettxelliṣ s lqidar n tdukli deg tallit n uxelleṣ akk. Ass-a, abrid-a n uxelleṣ sseqdacen-t amur ameqran seg tbankiwin n tnezzuyt. Lxir agejdan n uxelleṣ n useggas d akken azal n uxelleṣ n tmerniwt ɣef usmel ad yili yugar win n unagraw yettwaferqen. Rnu, anabaḍ n uxelleṣ n useggas yettwali belli deg uzgen amezwaru n tallit n usmel ad txelṣeḍ s umata lfayda n usmel. Amḍan agejdan n tbanka n tallit-a yeqqim qrib ur yettwaḥbes ara.

Taggara

Mara texsed ad tessned'ed' s l'arḍal s l'arḍal ameqqran u war texsed ad t-id-terred' qbel lawan, ar'ad' s unagraw n uxelleṣ n useggas d ayen i cek iwulmen.
Deg tegniwin nniḍen, ladɣa mi ara d-nini ɣef usselhu n tɣawsiwin s lqedd, yif-it ma tefrenḍ lbanka ara d-yefken idrimen s uxelleṣ yemgaraden.