Hō'ike
I kēia ao, ua lilo nā kāleka hōʻaiʻē i mea pono no ka hana maʻalahi a me ka maʻalahi o nā hana kālā. ʻO Santander, kekahi o nā ʻoihana kālā nui i ke mākeke, hāʻawi i nā ʻano kāleka hōʻaiʻē i kūpono i nā pono o kou mau mea kūʻai. Ma kēia ʻatikala, e kamaʻilio mākou pehea e noi ai no kahi kāleka hōʻaiʻē Santander, i kēlā me kēia ʻanuʻu, i hiki iā ʻoe ke loaʻa i ke kāleka i kūpono i kāu mau koi me ka ʻole o nā pilikia a i ʻole nā hopena.
1. Nā koi e noi i kahi kāleka hōʻaiʻē Santander
I mana e noi no kahi kāleka hōʻaiʻē Santander, pono e hoʻokō i nā koi i hoʻokumu ʻia e ka panakō. ʻOkoʻa kēia mau koi ma muli o ke ʻano o ke kāleka a me ka ʻaoʻao o ka mea noi, akā ma lalo mākou e haʻi nei i kekahi o nā koi maʻamau:
- Aia ma lalo o 18 makahiki.
- Loaʻa i kahi hana paʻa a hōʻike ʻia me ka loaʻa kālā maʻamau.
- Noho ma ka ʻāina kahi i hana ʻia ai ka noi.
- Loaʻa i kahi moʻolelo hōʻaiʻē maikaʻi, ʻo ia hoʻi, ʻaʻohe ʻaiʻē a i ʻole nā pilikia uku i ka wā ma mua.
- E hōʻike i nā palapala i koi ʻia ma ke ʻano he ʻike kūhelu, hōʻoia o ka helu wahi a me ka hōʻoia o ka loaʻa kālā.
Pono e hoʻomanaʻo he laulā kēia mau koi a ʻokoʻa paha ma muli o ka panakō a me ke ʻano o ke kāleka hōʻaiʻē āu e makemake ai e noi. Eia hou, hiki i kēlā me kēia hui kālā ke hoʻokumu i nā koi hou a i ʻole koi i nā palapala kikoʻī.
Ma mua o ka noi ʻana i kahi kāleka hōʻaiʻē Santander, manaʻo mākou e nānā pololei me ka panakō e hōʻoia ʻoe e hoʻokō i nā koi āpau a loaʻa ka ʻike pololei e pili ana i ke kaʻina noi. E hoʻomanaʻo i ka hoʻokō ʻana i ka nā koi i hoʻokumu ʻia He mea nui e loaʻa ka nui o ka loaʻa ʻana o ke kāleka hōʻaiʻē makemake.
2. Nā ʻano o nā kāleka hōʻaiʻē Santander i loaʻa
Ma kēia pou, e hāʻawi mākou iā ʻoe i ka ʻike kikoʻī e pili ana i ka ʻano o nā kāleka hōʻaiʻē Santander loaʻa i hiki iā ʻoe ke noi i ka mea i kūpono i kāu pono kālā. Hāʻawi ʻo Santander i nā ʻano kāleka hōʻaiʻē me nā hiʻohiʻona like ʻole a me nā pōmaikaʻi no kāna mea kūʻai.
Kāleka manuahi ʻo Santander: He kūpono kēia kāleka hōʻaiʻē no ka poʻe e ʻimi nei i kahi koho me ka ʻole o ka uku mālama a me nā pono kūʻokoʻa. Me ka Kāleka Santander Free, hiki iā ʻoe ke leʻaleʻa i nā uku ma nā ʻoihana pili, e hōʻiliʻili i nā helu i hiki ke hoʻololi ʻia nā huahana a me nā lawelawe, ma waho aʻe o ka loaʻa ʻana o nā hoʻolaha a me mau ʻokoʻa kūikawā.
Kāleka Santander Platinum: Inā ʻoe e ʻimi nei i kahi kāleka hōʻaiʻē me ka palena kiʻekiʻe a me nā pōmaikaʻi kūʻokoʻa, ʻo ka Santander Platinum Card kahi koho maikaʻi loa Me kēia kāleka, hiki iā ʻoe ke hauʻoli i nā lawelawe concierge 24 hola o ka lā, komo i nā lumi hoʻokipa VIP ma nā mokulele i koho ʻia, ka ʻinikua huakaʻi a me ke kōkua olakino ma waho, ma waena o nā pono kūʻokoʻa no nā mea paʻa kāleka Platinum.
3. Kaʻina noi no ke kāleka hōʻaiʻē Santander
He nui nā hana e hahai ai e noi no ke kāleka hōʻaiʻē Santander. Ka mua He aha kāu e hana ai e kipa aku i ka paena mai Santander a e ʻimi i ka ʻāpana credit cards. Ma laila ʻoe e loaʻa ai ʻike pono a pau e pili ana i nā ʻano kāleka like ʻole i loaʻa a me nā koi e pono ai ʻoe e hoʻokō no ke noi ʻana i hoʻokahi.
Ke koho ʻoe i ke kāleka i kūpono iā ʻoe, pono ʻoe e hoʻopiha i kahi palapala noi pūnaewele. Pono kēia palapala i ka ʻike pilikino e like me kou inoa, helu wahi, helu mālama ola, a me nā kikoʻī kālā. E hōʻoia i ka hāʻawi ʻana i ka ʻike pololei a me ka manawa hou e pale ai i ka lohi o ke kaʻina noi.
Ke hoʻopau ʻoe i ka palapala, pono ʻoe e hoʻouna i nā palapala i koi ʻia iā Santander i hiki iā lākou ke loiloi i kāu noi. Hiki i kēia palapala ke komo i nā kope o kāu ʻike kūhelu, hōʻoia o ka loaʻa kālā, a me nā ʻōlelo panakō. He mea nui e hōʻoia e hāʻawi ʻoe i nā palapala e pono ai e pale i ka lohi o ke kaʻina noi.
4. Pono nā palapala e noi ai i kāleka hōʻaiʻē Santander
I ka noi ʻana i kahi kāleka hōʻaiʻē Santander, pono e loaʻa i kahi ʻano o nā palapala e pono ai e hoʻopau i ke kaʻina noi. Pono kēia mau palapala e ka panakō e hōʻoia i kou ʻike a loiloi i kou hiki ke uku. Ma hope aʻe, e haʻi mākou i ka:
1. ID kūhelu: Pono ka panakō i kope o kāu palapala ʻike kūhelu, e like me kāu kāleka ID a i ʻole passport. Hoʻopili kēia palapala i kou ʻike a hōʻoia ʻoe e "noi" i ke kāleka ma kou inoa ponoʻī.
2. Hōʻoia o ka helu wahi: Pono ʻoe e hōʻike i ka hōʻoia o ka helu wahi e hōʻike ana i kou wahi e noho nei. Hiki iā ia ke lilo i bila hoʻohana (e like me ka wai, ka uila, a i ʻole ke kelepona), kahi ʻōlelo panakō, a i ʻole kahi ʻaelike hoʻolimalima. i kou inoa. Hāʻawi kēia palapala i ka panakō e hōʻoia i kou wahi noho.
3. Hōʻike o ka loaʻa kālā: No ka loiloi i kou hiki ke uku, pono e hōʻike i ka hōʻoia o ka loaʻa kālā, ʻo ia paha ka loaʻa ʻana o ka uku uku, nā ʻōlelo panakō, a i ʻole nā hōʻike ʻauhau. ʻO kēia mau palapala e ʻae i ka panakō e ʻike i kāu kūpaʻa kālā a inā loaʻa iā ʻoe nā kumuwaiwai lawa e hana ai i nā uku kāleka hōʻaiʻē.
E hoʻomanaʻo e ʻokoʻa paha nā palapala i koi ʻia ma muli o kāu kūlana kālā a me ke ʻano o ke kāleka hōʻaiʻē āu e noi nei. He mea nui e hōʻoia i loaʻa iā ʻoe nā palapala e pono ai ma mua o ka hoʻomaka ʻana i ke kaʻina noi, no ka mea, ʻo ka nele o kekahi o ia mau mea hiki ke hoʻopaneʻe a pale paha i ka ʻae ʻia o kāu noi.
5. Ka loiloi kālā a me ka ʻae ʻana i ka noi
Ke hoʻopau ʻoe i kāu noi kāleka hōʻaiʻē Santander, e kau ʻia ia i kahi loiloi hōʻaiʻē koʻikoʻi. Kēia kaʻina Hiki iā mākou ke nānā i kāu mōʻaukala kālā a hoʻoholo i kou hiki ke uku i nā aie i loaʻa me ke kāleka. Pono e hoʻomanaʻo e pili ana ka ʻae ʻia i ka loiloi ʻia a me nā ʻōlelo a me nā kūlana i hoʻokumu ʻia e ka panakō.
Ma ke kaʻina hana underwriting, e nānā mākou i kāu mōʻaukala hōʻaiʻē, me kāu helu FICO, kāu loaʻa kālā, ka paʻa ʻana o kāu hana, a me nā mea pili ʻē aʻe. Eia hou, e loiloi mākou inā ua loaʻa iā ʻoe nā pilikia ma mua o ka uku ʻana i nā aie a i ʻole ua noi ʻoe no nā laina ʻaiʻē he nui i kahi manawa pōkole. ʻO ka mōʻaukala hōʻaiʻē paʻa a me ka hiki ke uku maikaʻi e hoʻonui i kou manawa e ʻae ʻia no ke kāleka hōʻaiʻē Santander.
Ke pau ka loiloi hōʻaiʻē, e haʻi aku mākou iā ʻoe e pili ana i ka ʻae a hōʻole ʻana paha i kāu noi. Inā ʻae ʻia, e loaʻa iā ʻoe kāu kāleka hōʻaiʻē Santander hou ma ka leka uila i loko o ka manawa o 7 a 10 nā lā ʻoihana. E hoʻouna pū mākou iā ʻoe i ka ʻike kikoʻī e pili ana i nā palena aie i hāʻawi ʻia, nā uku ukupanee a me nā pōmaikaʻi e pili ana i kāu kāleka. Mai hoʻokaʻulua e hoʻokaʻaʻike mai iā mākou inā he nīnau kāu a makemake paha ʻoe i ʻike hou aku e pili ana i kāu noi. E hoʻomanaʻo i ka loiloi hōʻaiʻē he hana maʻamau a pono e hōʻoia i ka palekana kālā o kā mākou mea kūʻai aku.
6. Nā pōmaikaʻi a me nā pono o nā kāleka hōʻaiʻē Santander
- ʻO ka noi ʻana i kahi kāleka hōʻaiʻē Santander hiki ke lilo i hoʻoholo kālā akamai ma muli o ka nā pono a me nā mea maikaʻi i hāʻawi ʻia e kēia huahana panakō.
- ʻO kekahi o nā mea nui nā waiwai o nā kāleka hōʻaiʻē Santander ka hiki ke hōʻuluʻulu helu me kēlā me kēia kūʻai ʻana. Hiki ke kūʻai ʻia kēia mau helu no nā makana like ʻole, e like me nā uku hoʻemi ma nā hale kūʻai pili, huakaʻi, a i ʻole ke kālā.
- ʻO kekahi pono nui o Santander kāleka aie ka pale hoʻopunipuniHāʻawi ka panakō i kahi ʻōnaehana palekana holomua e ʻike a pale i nā hana kānalua ma kāu moʻokāki. Eia kekahi, loaʻa iā ʻoe ke koho e hoʻopaʻa i kāu kāleka no ka manawa e nalowale a ʻaihue paha.
7. Nā ʻōlelo paipai e hoʻohana i kāu kāleka hōʻaiʻē Santander
Ke noi nei ʻoe no kahi kāleka hōʻaiʻē Santander, he mea nui e ʻike i kekahi mau ʻōlelo aʻoaʻo nui e loaʻa ai ka maikaʻi. ʻO kekahi o nā manaʻo nui e hoʻohana i kāu kāleka me ke kuleana a me ka noʻonoʻo.. E hoʻokumu i ka waihona kālā o kēlā me kēia mahina a mālama pono i kāu mau lilo. Hōʻalo e kūʻai pono ʻole a impulsive paha, a e hōʻoia e hiki iā ʻoe ke uku piha i ke koena i ka hopena o ka mahina e pale i ka uku.
ʻO kekahi ʻōlelo aʻoaʻo ʻē aʻe e hoʻohana i nā pōmaikaʻi a me nā uku Hāʻawi ʻo Santander i kāna mau mea kūʻai aku me nā kāleka hōʻaiʻē. E ʻike pono ʻoe i nā hoʻolaha a me nā haʻawina i loaʻa, ma ka hale kūʻai a ma ka pūnaewele. Eia hou, hiki iā ʻoe ke hōʻiliʻili i nā helu no kāu mau kūʻai ʻana a kūʻai hou aku iā lākou no nā makana like ʻole, e like me nā huakaʻi, nā mea hana a i ʻole nā uku i nā lawelawe.
Ma waho aʻe o ka mea i luna, he mea nui pale i kāu kāleka hōʻaiʻē Santander mai ka hoʻopunipuni a ʻaihue paha. E hūnā i kāu ʻike a mai kaʻana like i kāu kikoʻī kāleka me nā poʻe ʻike ʻole a i ʻole ma nā pūnaewele paʻa ʻole. Eia hoʻi, e hoʻāla i nā leka hoʻomaopopo a me nā lawelawe hoʻolaha e hoʻomaopopo ʻia i kekahi mau hana kānalua ma kāu moʻokāki. E nānā mau i kāu ʻōlelo mahina a hōʻike koke i nā uku ʻae ʻole.
ʻO wau ʻo Sebastián Vidal, he ʻenekinia kamepiula makemake nui i ka ʻenehana a me DIY. Eia kekahi, ʻo wau ka mea nāna i hana tecnobits.com, kahi aʻu e kaʻana like ai i nā kumu aʻo e hoʻomaʻamaʻa a hoʻomaopopo ʻia ka ʻenehana i nā mea a pau.