Deynta Waqti-Dheer
Deynta la wareegay qaanuunka xaddidaadda waxaa loo yaqaanaa deymaha waqti- xadidan.
Sababtoo ah deymaha ay da 'yahiin da'da qaanuunka xaddidaadda macnaheedu maaha in aan lagugu lahayn. Taas micnaheedu waa dayn-bixiyuhu ma heli doono xukun lagugu soo oogo - hadba inta aad timaaddo maxkamad la diyaariyay caddaynta deyntu waa mid da 'wayn. Caddeynta waxaa ku jiri kara jeeg muujinaya wakhtigii ugu dambeeyey ee aad bixisay lacag ama diiwaankaaga isgaarsiinta ee lagugu lahaa deyntaas.
Qaybaha Deynta
Deynta waxay ku dhacdaa mid ka mid ah afar qaybood. Waa muhiim in la ogaado nooca deyn ee aad leedahay sababtoo ah xadka wakhtigu u kala duwan yahay nooc kasta. Weydii qareen haddii aad qabtid su'aalo ku saabsan nooca deyn ee aad leedahay.
- Heshiisyada afka ah waa deymo lagu sameeyey heshiis qoraal ah. Heshiis afka ah, waxaad ku samaysay heshiis afka ah oo laguugu soo celinayo lacagta. Waxba kuma jirin qoraal.
- Heshiiska Qorshuhu waa deymo leh heshiis ay ku saxiixday adiga iyo dayn-bixiyaha. Heshiiska waxaa ku jira shuruudaha iyo shuruudaha deynta, tusaale ahaan lacagta deymaha iyo bixinta bil kasta. Deyn caafimaad ama waxay noqon kartaa nooca qoraalka ah.
- Ogeysiiska Bixinta waa heshiis qoraal ah oo lagu bixiyo dib u bixinta deynta qaar ka mid ah lacagaha, dakhliga dulsaarka ah iyo taariikhda iyo waqtiga qaarkood. Mortgages iyo deynta ardaygu waa noocyada warqadaha canshuurta.
- Koontada Furan ee Dhameystiran waa xisaab xisaabeed oo soo noqnoqota oo aad dib u bixin kartid oo mar kale dib u amaahdaan. Kaararka amaahda, deynka dukaamada, iyo dariiqyada creditka ayaa ah xisaab furan. Haddii aad kaliya amaahan karto lacagta waqtigeeda, ma aha xisaab furan.
Xeerka Xuduudaha Gobolka
Gobol kasta wuxuu leeyahay qawaankiisa oo xadidan deyn ahaan: xaddiga waqtiga maxkamaddu kugu qasbi doono inaad bixiso deyn. Xeerka xaddidan wuxuu ku xiran yahay nooca deynta aad leedahay - kaarka amaahda ama amaahda - badanaaba waa inta u dhexeysa seddex ilaa lix sano, laakiin wuxuu ka dhigan yahay 10 ama 15 sano gobolada qaarkood. Ka hor intaadan ka jawaabin deyn ururinta, ogow qawaaniinta deymaha ee xadidaadda gobolkaaga
Haddii qaanuunka xadidan uu dhaafo, waxaa laga yaabaa in ay yar tahay dhiirigelinta inaad bixiso deynta. Haddii xaddidan waqtiga warbixinta amaahda ee creditku (taariikhda ka madax banana xayiraadaha xadidaadda) ayaa sidoo kale soo martay, waxaa laga yaabaa inaad xitaa yareyso inaad bixiso deynta.
Riix magacaaga gobolka si aad u ogaato qaanuunka xadaynta deynta.
| Gobolka | Afku | Qoraa | Abaalmarin | Furan |
| Alabama | 6 | 6 | 6 | 3 |
| Alaska | 6 | 6 | 3 | 3 |
| Arizona | 3 | 6 | 6 | 3 |
| Arkansas | 6 | 6 | 3 | 3 |
| California | 2 | 4 | 4 | 4 |
| Colorado | 6 | 6 | 6 | 6 |
| Connecticut | 3 | 6 | 6 | 3 |
| Delaware | 3 | 3 | 3 | 4 |
| Florida | 4 | 5 | 5 | 4 |
| Georgia | 4 | 6 | 6 | 4 |
| Hawaii | 6 | 6 | 6 | 6 |
| Idaho | 4 | 5 | 5 | 4 |
| Illinois | 5 | 10 | 10 | 5 |
| Indiana | 6 | 10 | 10 | 6 |
| Iowa | 5 | 10 | 5 | 5 |
| Kansas | 3 | 6 | 5 | 3 |
| Kentucky | 5 | 15 | 15 | 5 |
| Louisiana | 10 | 10 | 10 | 3 |
| Maine | 6 | 6 | 6 | 6 |
| Maryland | 3 | 3 | 6 | 3 |
| Massachusetts | 6 | 6 | 6 | 6 |
| Michigan | 6 | 6 | 6 | 6 |
| Minnesota | 6 | 6 | 6 | 6 |
| Mississippi | 3 | 3 | 3 | 3 |
| Missouri | 5 | 10 | 10 | 5 |
| Montana | 5 | 8 | 8 | 5 |
| Nebraska | 4 | 5 | 5 | 4 |
| Nevada | 4 | 6 | 3 | 4 |
| New Hampshire | 3 | 3 | 6 | 3 |
| New Jersey | 6 | 6 | 6 | 6 |
| New Mexico | 4 | 6 | 6 | 4 |
| New York | 6 | 6 | 6 | 6 |
| North Carolina | 3 | 3 | 5 | 3 |
| Waqooyiga Dakota | 6 | 6 | 6 | 6 |
| Ohio | 6 | 15 | 15 | 6 |
| Oklahoma | 3 | 5 | 5 | 3 |
| Oregon | 6 | 6 | 6 | 6 |
| Pennsylvania | 4 | 4 | 4 | 4 |
| Rhode Island | 15 | 15 | 10 | 10 |
| South Carolina | 3 | 3 | 3 | 3 |
| Koonfurta Dakota | 3 | 6 | 6 | 6 |
| Tennessee | 6 | 6 | 6 | 6 |
| Texas | 4 | 4 | 4 | 4 |
| Utah | 4 | 6 | 6 | 4 |
| Vermont | 6 | 6 | 5 | 3 |
| Virginia | 3 | 5 | 6 | 3 |
| Washington | 3 | 6 | 6 | 3 |
| West Virginia | 5 | 10 | 6 | 5 |
| Wisconsin | 6 | 6 | 10 | 6 |
| Wyoming | 8 | 10 | 10 | 8 |
I do not know