Marka aad lacag u dirto guriga laga joogo Norway, qiimaha dhabta ah waxaa go'aamiya laba shay: khidmad muuqata iyo kor-u-qaad aan la arkin oo ku jira qiimaha sarifka, kaas oo inta badan ka qaalisan khidmadda lafteeda.
Immisa Ayay Dhab Ahaan Kuu Qaadaysaa Inaad Lacag Guriga U Dirto?
Qiimaha dhabta ah ee lacag guriga loogu diro Norway wuxuu ka kooban yahay laba qaybood: khidmad wareejin oo muuqata iyo kor-u-qaad aan la arkin oo ku jira qiimaha sarifka. Labadaan wadajir waxay noqon karaan wax ka yar boqolkiiba mid (1%) illaa in ka badan boqolkiiba toban (10%) ee lacagta, taas oo ku xiran cidda aad isticmaasho.
Sida laga soo xigtay xogta Bangiga Adduunka ee la yiraahdo Remittance Prices Worldwide, celceliskii wuxuu ahaa boqolkiiba 6,4 si lacag yar loogu diro dibadda adduunka oo dhan, xilliga afaraad ee 2023 - taas oo ka badan laba jibbaar hadafka Qaramada Midoobay ee ah in la hoosaysiiyo boqolkiiba 3 (Hadafka Horumarka Waarta ee 10.c). Adeegyada dijitaalka ahi way ka jaban yihiin, celcelis ahaan boqolkiiba 4,96, marka loo eego 7,0 ee xalalka aan dijitaalka ahayn.
Kor-u-qaadka qiimaha sarifka waa inta badan qarashka qarsoon. Bangiga ama adeegga ayaa dejiya qiimihiisa sarifka gaarka ah, oo wax yar ka liita qiimaha suuqa dhabta ah, kadibna faraqa isagu wuu haystaa. Forbrukerrådet (Golaha Macaamiisha ee Norway) ayaa ka digay kor-u-qaadyo la mid ah marka kaadhka lacagta laga isticmaalo dibadda: haddii aad doorato inaad ku bixiso lacagta Norway halkii aad ku bixin lahayd lacagta maxalliga ah, kor-u-qaadku wuxuu gaari karaa boqolkiiba lix ilaa toddoba - ku dhawaad afar jibbaar qiimaha caadiga ah. Mabda'a isku midka ah ayaa khusaya marka aad lacag dirayso: had iyo jeer isbarbardhig qiimaha adeeggu ku siinayo iyo qiimaha suuqa, kuma ekaanin oo keliya khidmadda ugu horreysa ee la muujiyo. Nooca qarashkan qarsoon waa mid faa'iido u leh in la ogaado guud ahaan maaraynta lacagta shakhsiga ee Norway, waxaana SamfunnPrep sidoo kale ka hadlaya hage ku saabsan maaraynta lacagta shakhsiga ee Norway.
Bangi Mise Adeeg Wareejin Lacag - Kee Ayaad Doorato?
Ma jiro hal jawaab oo ku habboon qof kasta. Bangiga ayaa inta badan ugu ammaan badan lacago waaweyn oo aad marmar dirtid, halka adeegyada gaarka ah sida Wise, Western Union ama MoneyGram ay caadi ahaan ka jabsan yihiin oo ka dhaqso badan yihiin wareejinta lacagaha yaryar ee joogtada ah.
Haddii aad ka dirto bangigaaga caadiga ah ee Norway, waxaad caadi ahaan bixin doontaa qiyaastii 150 kroner oo khidmad go'an ah haddii lacagtu ay tagayso meel ka baxsan EU/EØS (Midowga Yurub / Aagga Dhaqaale ee Yurub), marka lagu daro kor-u-qaadka qiimaha sarifka - mararka qaarna khidmad dheeraad ah oo ka timaada bangi dhexdhexaad ah oo ku lug leh habka wareejinta. Faa'iidada ayaa ah inaad isticmaasho koontada aad hore u leedahay (akhri sida loo furto koonto bangi oo Norway ah haddii aadan weli lahayn mid), iyo in lacagtaada la ilaaliyo dammaanadda kaydinta lacagta illaa 2 milyan oo kroner ah.
Adeegyo sida Wise waxay caadi ahaan tusaan qiimaha suuqa dhabta ah iyo khidmad cad oo go'an ka hor intaadan xaqiijin wareejinta, iyada oo aan kor-u-qaad qarsoon lahayn. Western Union iyo MoneyGram waxay u ogolaadaan qofka lacagta helayaa inuu lacag caddaan ah ka soo qaato xafiis maxalli ah daqiiqado gudahood, taas oo faa'iido u leh xaaladaha qofka helaya uusan koonto bangi lahayn - laakiin habkan sahlan wuxuu inta badan ku kacaa qarash ka badan adeeg bangi oo caadi ah. Had iyo jeer hubi waxa qofka helayaa uu dhab ahaan heli doono lacagta maxalliga ah ka hor intaadan doorasho samayn, kuma ekaanin oo keliya khidmadda ugu horreysa ee adeeggu ku tuso.
Waxyaabaha Aad U Baahan Tahay Si Aad Lacag Ugu Dirto Dibadda
Si aad lacag ugu dirto koonto bangi oo dibadda ah, caadi ahaan waxaad u baahan tahay IBAN-ka qofka helayaa (International Bank Account Number, qaabka caalamiga ah ee lambarka koontada), iyo koodhka SWIFT ama BIC ee bangiga, marka lagu daro magaca buuxa iyo cinwaanka.
Bangiga ama shirkadda bixinta lacagta waa inay sidoo kale xaqiijiso cidda aad tahay, adiga oo ah qofka lacagta dirayaa. Waa inaad muujisaa aqoonsi sax ah, wareejintuna waxay ku xiran tahay fødselsnummer-kaaga (lambarka dhalashada) ama D-number-kaaga. Haddii aadan hubin farqiga u dhexeeya, waxaad wax badan ka akhrin kartaa farqiga u dhexeeya fødselsnummer iyo D-number. Haddii qofka helayaa uusan koonto bangi lahayn, adeegyo qaar waxay bedelkeeda ku bixin karaan lacag caddaan ah, marka qofku muujiyo aqoonsigiisa markuu qaadanayo.
Immisa Waqti Ayay Wareejintu Qaadataa?
Wareejin bangi ah caadi ahaan waxay qaadataa hal ilaa shan maalmood oo shaqo, halka adeegyada dijitaalka ah sida Wise ay inta badan dhammaystiraan dhowr saacadood gudahood, bixinta lacagta caddaanka ahna ee Western Union ama MoneyGram waxa qofka helayaa ka qaadan karaa daqiiqado gudahood.
Waqtigu wuxuu ku xiran yahay dalka iyo lacagta lacagtu u socoto, in maalmo fasax ah ama todobaadka dhamaadkiisu ay dib u dhigaan nidaamyada bangiyada, iyo in wareejinta ay tahay inay marto dhowr bangi oo dhexdhexaad ah ka hor inta aysan gaarin koontada qofka helaya. Had iyo jeer dooro adeeg tusa waqtiga la filayo inuu gaadho ka hor intaadan xaqiijin wareejinta, gaar ahaan haddii qofka helayaa uu lacagta u baahan yahay si degdeg ah.
Sidan Uga Fogaan Kartid Khiyaanada
Had iyo jeer isticmaal bangi ama shirkad bixin lacag ah oo leh oggolaansho sax ah oo ka timid Finanstilsynet (Hay'adda Kormeerka Dhaqaalaha ee Norway, taas oo kormeerta bangiyada iyo adeegyada bixinta lacagta) - waligaa ha isticmaalin "agent" aadan aqoon oo aad kula kulantay baraha bulshada, ama dalab leh qiime u eg mid aan macquul ahayn.
Waxaad ka hubin kartaa in adeeg uu leeyahay oggolaansho ku jira diiwaanka guud ee shirkadaha ee Finanstilsynet. Aad uga digtoonow codsiyada kugu leh inaad lacag ugu dirto WhatsApp ama Facebook qof gaar ah oo iska dhigaya inuu matalo shirkad, iyo adeegyada ku codsanaya bixin lacag caddaan ah ama kaararka hadyada ka hor wareejinta. Sidoo kale ogow in kaydinta ku jirta bangiyada caadiga ah ay daboolayso dammaanadda kaydinta lacagta illaa 2 milyan oo kroner ah, halka lacagaha macaamiisha ee ku jira shirkadaha bixinta lacagta oo saafi ah aysan ku dhicin isla xeerkaas - inkastoo sharcigu uu ku waajibiyo in lacagahaas laga saaro lacagaha gaarka ah ee shirkadda. SamfunnPrep waxay had iyo jeer kula talinaysaa inaad laba jeer ka hubiso adeeg cusub diiwaanka ka hor intaadan wax lacag ah dirin.
Xadka, Soo Sheegidda, iyo Canshuurta
Ma jiro xad sare oo sharci ahaan kuu xaddidaya intii aad guriga u diri karto adiga oo ka joogta Norway, laakiin bangiyada iyo shirkadaha bixinta lacagta waxaa lagu waajibiyay inay xaqiijiyaan aqoonsigaaga oo ay wareejinnada u sheegaan mas'uuliyiinta.
Sida uu qabo sharciga ka hortagga dhaqdhaqaaqa lacagta sharci-darrada ah (sharciga ka hortagga dhaqdhaqaaqa lacagta sharci-darrada ah iyo maalgelinta argagixisada), bangigu waa inuu sameeyaa hubin macaamiil oo si aad u qoto dheer marka aadan hore u ahayn macaamiisha bangigaas oo aad diraysid ugu yaraan 100 000 kroner - laakiin adeegyada bixinta lacagta ee saafiga ah, sida wareejinta lacagta dibadda, waxaa khuseeya xad aad uga hooseeya oo ah 8 000 kroner. Dhowr wareejin oo isku xiran ayaa inta badan wada la tirin karaa. Tani ma aha wax laga cabsado: waa hubin caadi ah, mana aha calaamad shaki lagugu qabo.
Canshuur ahaan, lacagta aad hadyad ahaan u dirto qoyskaaga, sida caadiga ah, canshuur kuuguma jirto adiga oo ah qofka dirayaa. Norway waxay joojisay canshuurta dhaxalka laga bilaabo 2014, sidaas darteed hadyado - oo ay ku jiraan wareejinnada lacagta ee qoyska loo diro - ma keenaan canshuur hadyad. Haddii aad haysatid hase yeeshee dakhli ka soo baxay shaqo aad ka qabatay Norway, tani si kastaba ha ahaatee waa in lagu qoraa war-sheegga canshuurta ee Norway, iyada oo aan la eegin waxa aad ku dambeyn lacagta isticmaasho.
Wax badan oo aad ka baratid maaraynta lacagta shakhsiga ee Norway - oo ay ku jiraan xeerarka bangiga, canshuurta, iyo aqoonsiga - waa sidoo kale qayb ka mid ah manhajka Samfunnskunnskapsprøven. Ma rabtaa inaad si bilaash ah u tababarto? Isku day SamfunnPrep bilaash ah oo eeg waxa aad hore u taqaan.
