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Šðåäèòû äî çàðïëàòû îáû÷íî íå òðåáóþò ïðîâåðêè êðåäèòîñïîñîáíîñòè, ïîýòîìó äàæå ëþäè ñ ïëîõîé êðåäèòíîé èñòîðèåé ìîãóò ïîëó÷èòü òàêîé êðåäèò; îäíàêî èç-çà âûñîêèõ ïðîöåíòíûõ ñòàâîê, ñâßçàííûõ ñ ýòèìè âèäàìè êðåäèòîâ, èõ íå ðåêîìåíäóåòñß áðàòü áåç êðàéíåé íåîáõîäèìîñòè. Šðîìå òîãî, ïîñêîëüêó êðåäèòîðû îáû÷íî íå ñîîáùàþò î âàøåé ïëàòåæíîé àêòèâíîñòè â îñíîâíûå êðåäèòíûå áþðî, òàêèå êàê Experian èëè TransUnion, ïîëó÷åíèå êðåäèòà íå ïîâëèßåò íà âàøó îáùóþ êðåäèòíóþ èñòîðèþ. —àñòü 2: ‚ûáîð îïòèìàëüíîãî âàðèàíòà äëß âàøèõ íóæä..ðè ðàññìîòðåíèè âîïðîñà î òîì, ïîäõîäèò ëè âàì êðåäèò äî çàðïëàòû, ñëåäóåò ïðèíèìàòü âî âíèìàíèå òàêèå ôàêòîðû, êàê ñòîèìîñòü è óäîáñòâî. ‚î ìíîãèõ ñëó÷àßõ îáðàùåíèå ê òðàäèöèîííûì ôîðìàì ôèíàíñèðîâàíèß, òàêèì êàê ïåðñîíàëüíûå êðåäèòû èëè êðåäèòíûå ëèíèè, ìîæåò áûòü áîëåå âûãîäíûì ñ ôèíàíñîâîé òî÷êè çðåíèß â äîëãîñðî÷íîé ïåðñïåêòèâå, ÷åì ïîëó÷åíèå êðåäèòà äî çàðïëàòû, áëàãîäàðß áîëåå íèçêèì ïðîöåíòíûì ñòàâêàì è êîìèññèßì. ‘ äðóãîé ñòîðîíû, íåêîòîðûå ëþäè ìîãóò îáíàðóæèòü, ÷òî áûñòðîòà è ëåãêîñòü ïîëó÷åíèß ñðåäñòâ ÷åðåç êðåäèòîðà ëó÷øå âñåãî ïîäõîäèò äëß èõ íàñóùíûõ ïîòðåáíîñòåé. Šîðî÷å ãîâîðß, ëþäè äîëæíû òùàòåëüíî ðàññìîòðåòü ñâîè âîçìîæíîñòè, ïðåæäå ÷åì ðåøèòü, ïîäõîäèò ëè èì ïîëó÷åíèå êðåäèòà äî çàðïëàòû; ïîíèìàíèå òîãî, êàê îíè ðàáîòàþò è êàêèå äðóãèå âàðèàíòû ìîãóò ñóùåñòâîâàòü, ìîæåò ïîìî÷ü îáëåã÷èòü ïðèíßòèå ðåøåíèß è ãàðàíòèðîâàòü, ÷òî îíè ñäåëàþò íàèëó÷øèé âûáîð, ó÷èòûâàß èõ êîíêðåòíûå îáñòîßòåëüñòâà—àñòü 2: Šàê êðåäèòû äî çàðïëàòû ìîãóò ïîâëèßòü íà âàøó êðåäèòíóþ èñòîðèþ.ëàòåæíûå êðåäèòû – ýòî ïîïóëßðíàß ôîðìà êðàòêîñðî÷íîãî çàèìñòâîâàíèß, íî îíè ìîãóò èìåòü äîëãîñðî÷íûå ïîñëåäñòâèß äëß âàøåé êðåäèòíîé èñòîðèè. ’àêèå êðåäèòû ÷àñòî èñïîëüçóþòñß äëß ïîêðûòèß íåïðåäâèäåííûõ ðàñõîäîâ èëè äðóãèõ ôèíàíñîâûõ ÷ðåçâû÷àéíûõ ñèòóàöèé, è õîòß îíè ìîãóò áûòü ïîëåçíû â êðàòêîñðî÷íîé ïåðñïåêòèâå, îíè ìîãóò íåãàòèâíî ïîâëèßòü íà âàøó êðåäèòîñïîñîáíîñòü, åñëè âû íå ïîãàñèòå èõ áûñòðî.Šîãäà âû áåðåòå îäíîäíåâíûé êðåäèò, èíôîðìàöèß î íåì ïîñòóïàåò â îñíîâíûå áþðî êðåäèòíûõ èñòîðèé ïîòðåáèòåëüñêèõ êðåäèòîâ (Equifax, Experian è TransUnion). Šðåäèò ó÷èòûâàåòñß â âàøåé îáùåé êðåäèòíîé èñòîðèè. …ñëè âû íå ñìîæåòå ïîãàñèòü êðåäèò ê óñòàíîâëåííîìó ñðîêó, âàø êðåäèòîð ìîæåò ñîîáùèòü îá ýòîì êàê î ïðîñðî÷åííûõ èëè íåñâîåâðåìåííûõ ïëàòåæàõ. òî ìîæåò ïðèâåñòè ê çíà÷èòåëüíîìó ñíèæåíèþ âàøåé êðåäèòíîé îöåíêè, ÷òî çàòðóäíèò ïîëó÷åíèå ôèíàíñèðîâàíèß â áóäóùåì. Šðîìå òîãî, êðåäèòîðû « payday » ÷àñòî âçèìàþò áîëåå âûñîêèå ïðîöåíòíûå ñòàâêè, ÷åì òðàäèöèîííûå ôèíàíñîâûå ó÷ðåæäåíèß, è èìåþò ìåíüøå âàðèàíòîâ ïîãàøåíèß. òî îçíà÷àåò, ÷òî åñëè âû ïðîñðî÷èòå ïëàòåæè èëè ïîëíîñòüþ îòêàæåòåñü îò êðåäèòà, îí ìîæåò î÷åíü áûñòðî ñòàòü ÷ðåçâû÷àéíî äîðîãèì. ‹ó÷øèé ñïîñîá èçáåæàòü íåãàòèâíîãî âëèßíèß íà âàøó êðåäèòíóþ èñòîðèþ – óáåäèòüñß, ÷òî âû ïîíèìàåòå âñå óñëîâèß è ïîëîæåíèß êðåäèòà äî åãî ïîëó÷åíèß, è ïî âîçìîæíîñòè èñêàòü àëüòåðíàòèâíûå âàðèàíòû ôèíàíñèðîâàíèß. …ñëè âû âñå æå ðåøèëè âçßòü îäíîäíåâíûé êðåäèò, ïîñòàðàéòåñü ïîãàñèòü åãî êàê ìîæíî ñêîðåå, ÷òîáû ìèíèìèçèðîâàòü åãî âëèßíèå íà âàø îáùèé êðåäèòíûé ðåéòèíã.—àñòü 3: îòåíöèàëüíûå ïîñëåäñòâèß ïîëó÷åíèß îäíîäíåâíîãî êðåäèòà äëß âàøåé êðåäèòíîé èñòîðèè.îëó÷åíèå îäíîäíåâíîãî êðåäèòà ìîæåò îêàçàòü çíà÷èòåëüíîå âëèßíèå íà âàøó êðåäèòíóþ èñòîðèþ. Žäíîäíåâíûå êðåäèòû – ýòî êðàòêîñðî÷íûå êðåäèòû, êîòîðûå îáû÷íî ïîäëåæàò ïîãàøåíèþ â òå÷åíèå äâóõ íåäåëü èëè ìåíåå è èìåþò âûñîêèå ïðîöåíòíûå ñòàâêè, ÷òî äåëàåò èõ äîðîãîñòîßùèìè. Šîãäà âû áåðåòå îäíîäíåâíûé êðåäèò, êðåäèòîð, ñêîðåå âñåãî, ïðîâåäåò æåñòêèé çàïðîñ â âàø êðåäèòíûé îò÷åò, ÷òî ìîæåò ïðèâåñòè ê íåìåäëåííîìó ñíèæåíèþ âàøåé êðåäèòíîé îöåíêè. Žäèí æåñòêèé çàïðîñ ìîæåò ñíèçèòü âàøó êðåäèòíóþ îöåíêó íà ïßòü ïóíêòîâ, â çàâèñèìîñòè îò ñîñòîßíèß âàøåãî îò÷åòà äî òîãî, êàê áûë ñäåëàí çàïðîñ. …ñëè ó âàñ óæå íèçêèé êðåäèòíûé ðåéòèíã, ýòîãî ìîæåò áûòü äîñòàòî÷íî, ÷òîáû îïóñòèòü åãî íèæå ïîðîãà, íåîáõîäèìîãî äëß ïîëó÷åíèß îïðåäåëåííûõ âèäîâ êðåäèòîâ èëè êàðò. îìèìî òîãî, ÷òî êàæäûé æåñòêèé çàïðîñ ñíèæàåò âàø êðåäèòíûé ðåéòèíã, ïîëó÷åíèå êðåäèòíûõ çàéìîâ â äåíü çàðïëàòû òàêæå ñèãíàëèçèðóåò ïîòåíöèàëüíûì êðåäèòîðàì î ðèñêå äðóãèìè ñïîñîáàìè. åðß òàêèå êðåäèòû, âû ïîêàçûâàåòå, ÷òî ñ áîëüøåé âåðîßòíîñòüþ áóäåòå ïðîïóñêàòü ïëàòåæè è ïðîñðî÷èâàòü äîëãè, ÷òî åùå áîëüøå óõóäøèò âàøó êðåäèòíóþ îöåíêó. àêîíåö, åñëè âû íå âûïëàòèòå êðåäèò âîâðåìß (÷òî ÷àñòî ñëó÷àåòñß ñ òåìè, êòî áåðåò payday-êðåäèòû), âû ìîæåòå îêàçàòüñß ñ êîëëåêòîðñêèìè ñ÷åòàìè â âàøåì êðåäèòíîì îò÷åòå – åùå îäíà âåùü, êîòîðàß ìîæåò çíà÷èòåëüíî ñíèçèòü âàø êðåäèòíûé ðåéòèíã è çàòðóäíèòü ïîëó÷åíèå òðàäèöèîííûõ ôèíàíñîâûõ ïðîäóêòîâ â áóäóùåì. î ýòèì ïðè÷èíàì âàæíî, ÷òîáû âû òùàòåëüíî îáäóìàëè, ïîäõîäèò ëè âàì ïîëó÷åíèå îäíîäíåâíîãî êðåäèòà, îñîáåííî åñëè âû ïûòàåòåñü ñîçäàòü èëè ïîääåðæèâàòü õîðîøèé êðåäèòíûé ðåéòèíã â òå÷åíèå äëèòåëüíîãî âðåìåíè.—àñòü 4: ˆçáåãàíèå íåãàòèâíîãî âëèßíèß Payday Loans íà âàøó êðåäèòíóþ èñòîðèþ. ëàòåæíûå êðåäèòû ìîãóò áûòü áûñòðûì ðåøåíèåì äëß òåõ, êòî èñïûòûâàåò ôèíàíñîâûå òðóäíîñòè, íî îíè òàêæå ìîãóò îêàçàòü ïàãóáíîå âëèßíèå íà âàøó êðåäèòíóþ èñòîðèþ. ëàòåæíûå êðåäèòû, êàê ïðàâèëî, ïîäëåæàò ïîëíîìó ïîãàøåíèþ â òå÷åíèå äâóõ-÷åòûðåõ íåäåëü è èìåþò âûñîêèå ïðîöåíòíûå ñòàâêè, ïîýòîìó âàæíî ïîíèìàòü ðèñêè, ïðåæäå ÷åì áðàòü êðåäèò. ‚îò íåñêîëüêî ñîâåòîâ î òîì, êàê èçáåæàòü íåãàòèâíîãî âëèßíèß çàéìîâ äî çàðïëàòû íà âàøó êðåäèòíóþ èñòîðèþ:1. ‘âîåâðåìåííîå ïîãàøåíèå: Žäíà èç ñàìûõ âàæíûõ âåùåé, êîòîðóþ íåîáõîäèìî ñäåëàòü, âçßâ îäíîäíåâíûé êðåäèò, – ýòî îáåñïå÷èòü åãî ñâîåâðåìåííîå ïîãàøåíèå. ðîïóñê äàæå îäíîãî ïëàòåæà ìîæåò íåãàòèâíî ïîâëèßòü íà âàøó êðåäèòíóþ îöåíêó è çàòðóäíèòü ïîëó÷åíèå êðåäèòà â áóäóùåì. “áåäèòåñü, ÷òî âû òî÷íî çíàåòå, êîãäà íàñòóïàåò ñðîê ïëàòåæåé, è ïðè íåîáõîäèìîñòè óñòàíîâèòå íàïîìèíàíèß èëè àâòîìàòè÷åñêèå ïëàòåæè.2. ˆñïîëüçóéòå àëüòåðíàòèâíûå âàðèàíòû ñ íèçêèìè ïðîöåíòàìè: …ñëè âîçìîæíî, ïîñòàðàéòåñü íàéòè àëüòåðíàòèâíûå âàðèàíòû ñ íèçêèìè ïðîöåíòàìè, òàêèå êàê áàíêîâñêèå êðåäèòû èëè ïëàíû çàùèòû îò îâåðäðàôòà, ïðåæäå ÷åì îáðàùàòüñß ê êðåäèòîðàì, âûäàþùèì êðåäèòû äî çàðïëàòû. ’àêèå êðåäèòû îáû÷íî ïðåäëàãàþòñß ñ áîëåå íèçêèìè ïðîöåíòíûìè ñòàâêàìè è óñëîâèßìè ïîãàøåíèß, ÷òî â äîëãîñðî÷íîé ïåðñïåêòèâå áóäåò ëåã÷å äëß âàøåãî áþäæåòà.3. ‚åäèòå ïåðåãîâîðû ñ êðåäèòîðàìè: …ñëè âû èñïûòûâàåòå òðóäíîñòè ñ ïîãàøåíèåì êðåäèòà, ïîïðîáóéòå ñíà÷àëà äîãîâîðèòüñß ñ êðåäèòîðîì, ïðåæäå ÷åì ïðîñðî÷èòü ïëàòåæè. Žíè ìîãóò áûòü ãîòîâû çàêëþ÷èòü ñîãëàøåíèå, âûãîäíîå äëß îáåèõ ñòîðîí, ïðè ýòîì ñîõðàíèâ âàøó êðåäèòíóþ èñòîðèþ â öåëîñòè è ñîõðàííîñòè. 4. îíèìàéòå øòðàôû çà ïðîñðî÷êó ïëàòåæåé: Œíîãèå êðåäèòîðû, ïðåäîñòàâëßþùèå êðåäèòû ñ îïëàòîé â äåíü çàðïëàòû, íàëàãàþò øòðàôû çà ïðîñðî÷êó è äðóãèå ñàíêöèè, åñëè ïëàòåæè íå ïðîèçâîäßòñß â îãîâîðåííûé ñðîê, ïîýòîìó óáåäèòåñü, ÷òî âû ïîëíîñòüþ ïîíèìàåòå ýòè óñëîâèß, ïðåæäå ÷åì ïîäïèñûâàòü ñ íèìè ñîãëàøåíèå. ‚ñåãäà ëó÷øå ïåðåñòðàõîâàòüñß, ÷åì ïîòîì æàëåòü! ‘ëåäóß ýòèì ñîâåòàì, âû ñìîæåòå èçáåæàòü íåãàòèâíîãî âëèßíèß êðåäèòîâ íà âàøó êðåäèòíóþ èñòîðèþ è çàùèòèòü ñåáß îò äàëüíåéøèõ ôèíàíñîâûõ òðóäíîñòåé—àñòü 5: €ëüòåðíàòèâû Payday Loan äëß ëþäåé ñ ïëîõèì èëè íèçêèì êðåäèòíûì ñêîðèíãîì. Šîãäà ðå÷ü çàõîäèò î ïîèñêå âàðèàíòîâ êðåäèòîâàíèß äëß ëþäåé ñ ïëîõîé èëè íåâûñîêîé êðåäèòîñïîñîáíîñòüþ, êðåäèòû äî çàðïëàòû ìîãóò ñòàòü ïîñëåäíèì ñðåäñòâîì. ëàòåæíûå êðåäèòû îáû÷íî ïðåäëàãàþòñß ñ âûñîêèìè ïðîöåíòíûìè ñòàâêàìè è êîðîòêèìè ñðîêàìè ïîãàøåíèß, ÷òî ìîæåò çàòðóäíèòü èõ ñâîåâðåìåííîå ïîãàøåíèå. Š ñ÷àñòüþ, ñóùåñòâóþò àëüòåðíàòèâû äëß òåõ, êòî íóæäàåòñß â äåíüãàõ, íî íå õî÷åò áðàòü íà ñåáß ðèñê, ñâßçàííûé ñ ïðîäóêòàìè payday loan. åðâàß àëüòåðíàòèâà – îäíîðàíãîâîå êðåäèòîâàíèå. òîò âèä êðåäèòîâàíèß ïîçâîëßåò çàåìùèêàì íàïðßìóþ ñâßçûâàòüñß ñ êðåäèòîðàìè è çàíèìàòü äåíüãè, íå îáðàùàßñü â òðàäèöèîííûå ôèíàíñîâûå ó÷ðåæäåíèß. Žáû÷íî ýòî äåëàåòñß ÷åðåç ˆíòåðíåò è äàåò çàåìùèêàì äîñòóï ê áîëåå êîíêóðåíòîñïîñîáíûì ïðîöåíòíûì ñòàâêàì, ÷åì òå, êîòîðûå îíè ìîãëè áû íàéòè â ïðîäóêòàõ payday loan. åäîñòàòêîì ßâëßåòñß òî, ÷òî îäíîðàíãîâûå êðåäèòîðû ÷àñòî òðåáóþò õîðîøåé êðåäèòíîé èñòîðèè, ÷òîáû çàåìùèêè ìîãëè ïðåòåíäîâàòü íà ôèíàíñèðîâàíèå. „ðóãîé âàðèàíò – èñïîëüçîâàòü êðåäèò êðåäèòíîãî ñîþçà âìåñòî òîãî, ÷òîáû îáðàùàòüñß çà ïðîäóêòîì payday loan. Šðåäèòíûå ñîþçû ÷àñòî ïðåäîñòàâëßþò áîëåå âûãîäíûå ïðîöåíòíûå ñòàâêè, ÷åì áàíêè, è ïðåäëàãàþò áîëåå ãèáêèå óñëîâèß ïîãàøåíèß. ‚ íåêîòîðûõ ñëó÷àßõ îíè äàæå ãîòîâû ðàáîòàòü ñ ëþäüìè ñ ïëîõîé êðåäèòíîé èñòîðèåé, åñëè îíè ïðîäåìîíñòðèðóþò ñâîþ ñïîñîáíîñòü îòâåòñòâåííî ïîãàøàòü êðåäèò â òå÷åíèå äîëãîãî âðåìåíè. „ëß òåõ, êîìó áûñòðî íóæíû íàëè÷íûå, äðóãèì âàðèàíòîì ìîæåò ñòàòü íåîáåñïå÷åííàß ïåðñîíàëüíàß êðåäèòíàß ëèíèß (PLOC). ðè èñïîëüçîâàíèè äàííîãî âèäà êðåäèòà âû ìîæåòå âçßòü â äîëã îïðåäåëåííóþ ñóììó, à çàòåì ïîãàøàòü åå åæåìåñß÷íûìè ïëàòåæàìè â òå÷åíèå îïðåäåëåííîãî âðåìåíè, êàê è ïðè èñïîëüçîâàíèè ëþáîãî äðóãîãî êðåäèòíîãî ïðîäóêòà. PLOC, êàê ïðàâèëî, èìåþò áîëåå íèçêèå ïðîöåíòíûå ñòàâêè, ÷åì áîëüøèíñòâî ïëàòíûõ êðåäèòîâ, à òàêæå áîëåå äëèòåëüíûå ñðîêè ïîãàøåíèß, ÷òî îáëåã÷àåò ìíîãèì ëþäßì âûïëàòó êðåäèòà â ïîëíîì îáúåìå â îòâåäåííûå ñðîêè. àêîíåö, åñëè âû èùåòå èñòî÷íèê ñðåäñòâ íà ýêñòðåííûé ñëó÷àé, íî íå õîòèòå ðèñêîâàòü, ñâßçàííûé ñ ïîëóäåííûì êðåäèòîì èëè äðóãèìè ïðîäóêòàìè ñ âûñîêèìè ïðîöåíòàìè, ïîäóìàéòå î òîì, ÷òîáû âçßòü àâàíñ ó ñâîåãî ðàáîòîäàòåëß èëè ïîïðîñèòü ïîìîùè ó ÷ëåíîâ ñåìüè. ’àêèå ðåøåíèß íå âñåãäà äîñòóïíû, íî îíè ìîãóò îáåñïå÷èòü ñòîëü íåîáõîäèìîå îáëåã÷åíèå, êîãäà òðàäèöèîííîå ôèíàíñèðîâàíèå íå ïðåäñòàâëßåòñß âîçìîæíûì èç-çà îãðàíè÷åííîé êðåäèòíîé èñòîðèè èëè ïëîõîé êðåäèòíîé èñòîðèè.‡àêëþ÷åíèå: ‚ûâîä èç ñòàòüè « Œîæåò ëè êðåäèò äî çàðïëàòû èñïîðòèòü âàøó êðåäèòíóþ èñòîðèþ??Šàê è ëþáîé äðóãîé âèä êðåäèòà, ïîëó÷åíèå êðåäèòà â äåíü çàðïëàòû ìîæåò ïîâëèßòü íà âàøó êðåäèòíóþ èñòîðèþ. òî ñâßçàíî ñ òåì, ÷òî êðåäèòû äî çàðïëàòû ñ÷èòàþòñß êðåäèòàìè ñ âûñîêèì ðèñêîì, è êðåäèòîðû ÷àñòî èñïîëüçóþò èõ â êà÷åñòâå ìåðèëà äëß îöåíêè òîãî, íàñêîëüêî âû íàäåæíû, êîãäà äåëî äîõîäèò äî ïîãàøåíèß äîëãà. …ñëè âû âîâðåìß è â ïîëíîì îáúåìå âíîñèòå ïëàòåæè, ýòî ìîæåò ïîìî÷ü âàøåé êðåäèòíîé èñòîðèè, íî åñëè âû ïðîïóñêàåòå ïëàòåæè èëè íå âûïëà÷èâàåòå êðåäèò, ýòî ìîæåò ïîâðåäèòü âàøåé êðåäèòíîé èñòîðèè. ‚ êîíå÷íîì ñ÷åòå, èñïîðòèò ëè ïîëó÷åííûé êðåäèò âàøó êðåäèòíóþ èñòîðèþ, çàâèñèò èñêëþ÷èòåëüíî îò òîãî, íàñêîëüêî õîðîøî âû ðàñïîðßæàåòåñü êðåäèòîì è âíîñèòå ëè âû âñå íåîáõîäèìûå ïëàòåæè. ‚àæíî ïîìíèòü, ÷òî ïðè ðàññìîòðåíèè çàßâêè íà ëþáîé âèä ôèíàíñèðîâàíèß êðåäèòîðû áóäóò ó÷èòûâàòü è äðóãèå ôàêòîðû, òàêèå êàê äîõîä, ñòàòóñ çàíßòîñòè è äîëãîâóþ íàãðóçêó, ïîýòîìó ïåðåä ïîäà÷åé çàßâêè íà ëþáîé âèä êðåäèòà ñëåäóåò óáåäèòüñß, ÷òî âñå àñïåêòû âàøåãî ôèíàíñîâîãî ïîëîæåíèß â ïîðßäêå. ‚ çàêëþ÷åíèå õî÷ó ñêàçàòü, ÷òî õîòß ïîëó÷åíèå îäíîäíåâíîãî êðåäèòà ìîæåò ïîâëèßòü íà âàø êðåäèòíûé ðåéòèíã â çàâèñèìîñòè îò òîãî, íàñêîëüêî õîðîøî îí óïðàâëßåòñß, ýòî íå îáßçàòåëüíî îçíà÷àåò, ÷òî îí ïîâðåäèò âàøåìó êðåäèòíîìó ðåéòèíãó. ‚àæíî ïðèíßòü âî âíèìàíèå âñå àñïåêòû ëè÷íûõ ôèíàíñîâ, ïðåæäå ÷åì çàêëþ÷àòü êàêîå-ëèáî êðåäèòíîå ñîãëàøåíèå, ÷òîáû áûòü óâåðåííûì, ÷òî âû ñìîæåòå êîìôîðòíî âûïîëíßòü âñå îáßçàòåëüñòâà ïî ïîãàøåíèþ êðåäèòà.
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