We realize that pay day loan cost caps are generally strictly binding on rates, while size caps are a lot less binding on loan size. Prohibitions on simultaneous borrowing seem to have small impact on total quantity lent. Minimal term restrictions affect loan size, but term that is maximum try not to. Sourced elements of delinquency are tough to determine, though delinquency appears favorably pertaining to greater cost caps. Perform borrowing seems adversely linked to rollover prohibitions and periods that are cooling-off also to raised cost caps. Extensive payment choices don’t have a lot of effect that is identifiable though which may be due in component to idiosyncracies of this dataset. Considering specific states that changed their guidelines, sc, Virginia, and Washington all enacted modifications that dramatically cut their prices of perform borrowing. These modifications had been followed closely by significant upheavals, especially in Virginia and Washington where loan volume plummeted and, into the full situation of Virginia, delinquency spiked. Area 2 provides back ground regarding the lending that is payday therefore the state laws that affect it. Area 3 defines the information, the resources of regulatory variation, together with specifications that are econometric. Part 4 gifts results utilizing cross-state pooled regressions and within-state regressions that are law-change. Part 5 concludes. Techniques to modify lending that is payday States concerned with payday financing inside their edges have actually passed away many different laws and regulations to modify it. The after list details the essential widely-used regulatory methods. Cost caps A really form that is common of financing legislation is cost caps. States that “prohibit” payday lending frequently do this by establishing APR caps which are too low for the payday enterprize model to profitably run, efficiently driving loan providers through the state. Caps of 36per cent APR are employed by many people states for this function. States with caps high sufficient to enable lending that is payday might use APR restrictions, but additionally the caps are stated as a buck restriction per quantity lent. a cap of $15 per $100 is typical. Some states utilize tiered schedules of cost caps: by way of example, Indiana limits charges to 15per cent of this first $250 lent, 13% of this next $251-$400, and 10% of anything above that. Size caps Numerous states restrict the most size of a cash advance. The modal size limitation is $500. Some states avoid using a fixed size limitation but alternatively set the limitation as a share associated with debtor’s monthly earnings. Size limits are supposed to restrict a debtor’s capability to become indebted, though they may be able possibly be circumvented in states that enable borrowers to just take numerous loans at a time. Loan term restrictions Optimum term restrictions place an upper limit regarding the duration of a pay day loan. Minimal term limits potentially directly deal with one of many so-called difficulties with payday advances: short readiness that leaves borrowers scrambling to settle because of the date that is due. By requiring longer minimum terms, states might offer clients the time required to sort down their funds prior to the loan is born. Nonetheless, in the event that primary way to obtain payment trouble is the fact that the loan does not amortize, a somewhat longer balloon loan might be no better to retire than a somewhat smaller one. Some states do not make use of fixed minimum loan term, but instead vary the minimum in line with the period of the debtor’s pay period. Limitations on simultaneous borrowing Some states set limitations regarding the absolute quantity of loans a client can borrow at a provided time, while others set limitations from the quantity of loans an individual can borrow from the lender that is single a provided time. The previous variety of legislation requires that there be a way for the financial institution to test the experience of other loan providers; the type that is latter maybe not. That is why, restrictions in the absolute quantity of simultaneous loans in many cases are enacted along with legislation developing a loan database that is statewide.

We realize that pay day loan cost caps are generally strictly binding on rates, while size caps are a lot less binding on loan size.</h2> <p>Prohibitions on simultaneous borrowing seem to have small impact on total quantity lent. Minimal term restrictions affect loan size, but term that is maximum try not to. Sourced elements of delinquency are tough to determine, though delinquency appears favorably pertaining to greater cost caps. Perform borrowing seems adversely linked to rollover prohibitions and periods that are cooling-off also to raised cost caps. Extensive payment choices don’t have a lot of effect that is identifiable though which may be due in component to idiosyncracies of this dataset. Considering specific states that changed their guidelines, sc, Virginia, and Washington all enacted modifications that dramatically cut their prices of perform borrowing. These modifications had been followed closely by significant upheavals, especially in Virginia and Washington where loan volume plummeted and, into the full situation of Virginia, delinquency spiked.</p> <p>Area 2 provides back ground regarding the lending that is payday therefore the state laws that affect it. Area 3 defines the information, the resources of regulatory variation, together with specifications that are econometric. Part 4 gifts results utilizing cross-state pooled regressions and within-state regressions that are law-change. Part 5 concludes.</p> <h2>Techniques to modify lending that is payday</h2> <p>States concerned with payday financing inside their edges have actually passed away many different laws and regulations to modify it. The after list details the essential widely-used regulatory methods.<span id="more-10472"></span></p> <h2>Cost caps</h2> <p>A really form that is common of financing legislation is cost caps. States that “prohibit” payday lending frequently do this by establishing APR caps which are too low for the payday enterprize model to profitably run, efficiently driving loan providers through the state. Caps of 36per cent APR are employed by many people states for this function. States with caps high sufficient to enable lending that is payday might use APR restrictions, but additionally the caps are stated as a buck restriction per quantity lent. a cap of $15 per $100 is typical. Some states utilize tiered schedules of cost caps: by way of example, Indiana limits charges to 15per cent of this first $250 lent, 13% of this next $251-$400, and 10% of anything above that.</p> <h2>Size caps</h2> <p>Numerous states restrict the most size of a cash advance. The modal size limitation is $500. Some states avoid using a fixed size limitation but alternatively set the limitation as a share associated with debtor’s monthly earnings. Size limits are supposed to restrict a debtor’s capability to become indebted, though they may be able possibly be circumvented in states that enable borrowers to just take numerous loans at a time.</p> <h2>Loan term restrictions</h2> <p>Optimum term restrictions place an upper limit regarding the duration of a pay day loan. Minimal term limits potentially directly deal with one of many so-called difficulties with payday advances: short readiness that leaves borrowers scrambling to settle because of the date that is due. By requiring longer minimum terms, states might offer clients the time required to sort down their funds prior to the loan is born. Nonetheless, in the event that primary way to obtain payment trouble is the fact that the loan does not amortize, a somewhat longer balloon loan might be no better to retire than a somewhat smaller one. Some states do not make use of fixed minimum loan term, but instead vary the minimum in line with the period of the debtor’s pay period.</p> <h2>Limitations on simultaneous borrowing</h2> <p> <a href="https://personalbadcreditloans.net/reviews/advance-america-payday-loans-review/">advance america payday loans near me</a></p> <p>Some states set limitations regarding the absolute quantity of loans a client can borrow at a provided time, while others set limitations from the quantity of loans an individual can borrow from the lender that is single a provided time. The previous variety of legislation requires that there be a way for the financial institution to test the experience of other loan providers; the type that is latter maybe not. 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29.609-114.89-115.153 29.549-29.646c26.634-26.706 26.634-70.159 0-96.864l-32.672-32.76c-13.35-13.386-31.09-20.758-49.954-20.758s-36.604 7.372-49.954 20.758c-.274.275-.532.565-.772.87l-15.997 20.289c-15.27 19.367-25.587 42.398-29.837 66.604-4.286 24.413-2.311 49.581 5.71 72.784 5.812 16.812 13.122 29.71 21.726 38.338l197.771 198.251c6.821 6.84 16.396 12.92 28.46 18.072 18.002 7.688 37.12 11.456 56.211 11.455 31.786-.001 63.489-10.449 89.775-30.642l22.751-17.479c.348-.267.678-.558.988-.869 27.525-27.598 27.525-72.503.001-100.101zm-13.719 85.528-22.205 17.059c-36.35 27.926-84.611 34.307-125.948 16.655-9.696-4.141-17.149-8.785-22.154-13.803l-197.771-198.251c-6.452-6.47-12.167-16.815-16.983-30.749-14.134-40.886-6.31-85.921 20.93-120.47l15.62-19.811c9.523-9.347 22.072-14.488 35.397-14.488 13.511 0 26.222 5.285 35.792 14.881l32.672 32.76c18.867 18.918 18.867 49.7-.002 68.62l-36.591 36.711c-3.891 3.904-3.89 10.221.003 14.123l129.016 129.311c1.876 1.881 4.425 2.938 7.081 2.937 2.657-.001 5.205-1.059 7.08-2.94l36.589-36.709c9.139-9.164 21.277-14.21 34.179-14.21s25.04 5.046 34.179 14.21l32.672 32.76c19.61 19.661 19.758 51.559.444 71.404z"></path><g><path d="m361.003 221.7h-1.121c.121-21.045.184-43.537-.076-46.664-.586-7.056-4.823-12.807-10.796-14.65-5.923-1.828-12.211.471-16.822 6.152-4.979 6.136-27.961 47.742-34.886 60.347-1.702 3.098-1.642 6.864.158 9.907 1.8 3.042 5.072 4.908 8.606 4.908h33.681c-.041 5.609-.084 10.986-.125 15.844-.047 5.523 4.391 10.038 9.914 10.085.029.001.059.001.088.001 5.482 0 9.951-4.421 9.997-9.914.026-2.999.074-8.807.128-16.016h1.253c5.523 0 10-4.477 10-10 .001-5.523-4.477-10-9.999-10zm-21.125 0h-16.853c6.251-11.227 12.345-21.998 16.965-29.943-.004 8.206-.048 18.878-.112 29.943z"></path><path d="m282.45 250.419c-8.794.111-18.124.184-25.861.199 4.857-6.523 11.614-15.793 20.75-28.902 5.593-8.025 9.24-15.609 10.84-22.541.375-1.584.688-4.6.689-5.647.018-17.91-14.528-32.48-32.385-32.48-15.444 0-28.809 11.02-31.779 26.204-1.06 5.42 2.474 10.673 7.895 11.733 5.419 1.059 10.673-2.475 11.733-7.895 1.138-5.819 6.248-10.042 12.151-10.042 6.649 0 12.09 5.307 12.373 11.938l-.272 2.136c-1.091 4.338-3.664 9.436-7.654 15.16-13.857 19.883-22.126 30.756-26.567 36.598-5.489 7.217-7.994 10.511-6.29 16.041 1.001 3.249 3.461 5.744 6.749 6.844 1.337.448 2.619.877 19.628.877 6.676 0 15.777-.066 28.251-.224 5.522-.069 9.943-4.603 9.873-10.125-.068-5.523-4.619-9.93-10.124-9.874z"></path></g></g></g></svg> </div> </div> </div> </div> </div> </div> </div> <div class="elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-15c0568" data-id="15c0568" data-element_type="column"> <div class="elementor-column-wrap elementor-element-populated"> <div class="elementor-widget-wrap"> <div class="elementor-element elementor-element-fa0083d elementor-widget elementor-widget-heading" data-id="fa0083d" data-element_type="widget" data-widget_type="heading.default"> <div class="elementor-widget-container"> <h6 class="elementor-heading-title elementor-size-default">پشتیبانی ۲۴ ساعته</h6> </div> </div> <div class="elementor-element elementor-element-33632c5 elementor-widget elementor-widget-heading" data-id="33632c5" data-element_type="widget" data-widget_type="heading.default"> <div class="elementor-widget-container"> <span class="elementor-heading-title elementor-size-default">پشتیبانی هفت روز هفته</span> </div> </div> </div> </div> </div> </div> </div> </section> </div> </div> </div> <div class="elementor-column elementor-col-20 elementor-top-column elementor-element elementor-element-de9b3bb" data-id="de9b3bb" data-element_type="column"> <div class="elementor-column-wrap elementor-element-populated"> <div class="elementor-widget-wrap"> <section class="elementor-section elementor-inner-section elementor-element elementor-element-cec4036 elementor-section-content-middle elementor-section-boxed elementor-section-height-default elementor-section-height-default" data-id="cec4036" data-element_type="section"> <div class="elementor-container elementor-column-gap-no"> <div class="elementor-row"> <div class="elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-f358cb7" data-id="f358cb7" data-element_type="column"> <div class="elementor-column-wrap elementor-element-populated"> <div class="elementor-widget-wrap"> <div class="elementor-element elementor-element-77f1205 elementor-view-default elementor-widget elementor-widget-icon" data-id="77f1205" data-element_type="widget" data-widget_type="icon.default"> <div class="elementor-widget-container"> <div class="elementor-icon-wrapper"> <div class="elementor-icon"> <svg xmlns="http://www.w3.org/2000/svg" id="Capa_1" height="512" viewBox="0 0 512 512" width="512"><g><g><path d="m182.8 245.634h146.401v175.733h-146.401z" fill="#b2f0fb"></path></g><g fill="#020288"><path d="m249.334 472.084h13.333c5.523 0 10-4.478 10-10 0-5.523-4.477-10-10-10h-13.333c-5.523 0-10 4.477-10 10 0 5.522 4.477 10 10 10z"></path><path d="m414.606 147.622v-99.52c0-26.523-21.661-48.102-48.285-48.102h-220.642c-26.624 0-48.284 21.579-48.284 48.103v99.516c-.007.429-.007.857 0 1.284v314.904c0 26.574 21.619 48.193 48.193 48.193h220.825c26.574 0 48.193-21.619 48.193-48.193v-314.908c.006-.424.007-.85 0-1.277zm-20 1.097c-.111 4.863-2.034 9.425-5.466 12.922-3.701 3.773-8.675 5.851-14.005 5.851-10.909 0-19.784-8.875-19.784-19.784 0-5.522-4.477-10-10-10s-10 4.478-10 10c0 10.909-8.875 19.784-19.784 19.784s-19.784-8.875-19.784-19.784c0-5.522-4.477-10-10-10s-10 4.478-10 10c0 10.909-8.875 19.784-19.784 19.784s-19.784-8.875-19.784-19.784c0-5.522-4.477-10-10-10s-10 4.478-10 10c0 10.909-8.875 19.784-19.784 19.784s-19.784-8.875-19.784-19.784c0-5.522-4.477-10-10-10s-10 4.478-10 10c0 10.909-8.875 19.784-19.784 19.784-5.329 0-10.303-2.077-14.004-5.85-3.431-3.497-5.354-8.058-5.466-12.919v-64.178h277.211v64.174zm-277.211 33.701c5.863 3.311 12.52 5.071 19.47 5.071 11.84 0 22.49-5.2 29.784-13.436 7.294 8.235 17.944 13.436 29.784 13.436s22.49-5.2 29.784-13.436c7.294 8.235 17.944 13.436 29.784 13.436s22.49-5.2 29.784-13.436c7.294 8.235 17.944 13.436 29.784 13.436s22.49-5.2 29.784-13.436c7.294 8.235 17.944 13.436 29.784 13.436 6.95 0 13.607-1.761 19.471-5.071v229.748h-277.213zm28.284-162.42h220.643c15.596 0 28.284 12.606 28.284 28.103v16.442h-277.211v-16.442c0-15.497 12.688-28.103 28.284-28.103zm248.927 443.807c0 15.546-12.648 28.193-28.193 28.193h-220.826c-15.545 0-28.193-12.647-28.193-28.193v-31.639h277.211v31.639z"></path></g></g></svg> </div> </div> </div> </div> </div> </div> </div> <div class="elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-b69518f" data-id="b69518f" data-element_type="column"> <div class="elementor-column-wrap elementor-element-populated"> <div class="elementor-widget-wrap"> <div class="elementor-element elementor-element-86f16c8 elementor-widget elementor-widget-heading" data-id="86f16c8" data-element_type="widget" data-widget_type="heading.default"> <div class="elementor-widget-container"> <h6 class="elementor-heading-title elementor-size-default">پرداخت در محل</h6> </div> </div> <div class="elementor-element elementor-element-5648efb elementor-widget elementor-widget-heading" data-id="5648efb" data-element_type="widget" data-widget_type="heading.default"> <div class="elementor-widget-container"> <span class="elementor-heading-title elementor-size-default">پرداخت هنگام دریافت</span> </div> </div> </div> </div> </div> </div> </div> </section> </div> </div> </div> <div class="elementor-column elementor-col-20 elementor-top-column elementor-element elementor-element-62e597c" data-id="62e597c" data-element_type="column"> <div class="elementor-column-wrap elementor-element-populated"> <div class="elementor-widget-wrap"> <section class="elementor-section elementor-inner-section elementor-element elementor-element-a5a73e9 elementor-section-content-middle elementor-section-boxed elementor-section-height-default elementor-section-height-default" data-id="a5a73e9" data-element_type="section"> <div class="elementor-container elementor-column-gap-no"> <div class="elementor-row"> <div class="elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-4fe76c0" data-id="4fe76c0" data-element_type="column"> <div class="elementor-column-wrap elementor-element-populated"> <div class="elementor-widget-wrap"> <div class="elementor-element elementor-element-3ac41d4 elementor-view-default elementor-widget elementor-widget-icon" data-id="3ac41d4" data-element_type="widget" data-widget_type="icon.default"> <div class="elementor-widget-container"> <div class="elementor-icon-wrapper"> <div class="elementor-icon"> <svg xmlns="http://www.w3.org/2000/svg" id="Capa_1" height="512" viewBox="0 0 512 512" width="512"><g><g><path d="m469.871 159.668c1.879-1.876 2.935-4.422 2.935-7.077s-1.056-5.201-2.935-7.077l-53.256-53.161c-3.904-3.896-10.226-3.896-14.13 0l-27.381 27.332c-24.474-16.378-51.956-27.45-81.005-32.619 8.582-9.254 13.835-21.629 13.835-35.207 0-28.595-23.297-51.859-51.934-51.859s-51.934 23.264-51.934 51.859c0 13.577 5.252 25.953 13.835 35.207-29.049 5.169-56.531 16.241-81.005 32.619l-27.381-27.332c-3.904-3.896-10.226-3.896-14.13 0l-53.256 53.161c-1.879 1.876-2.935 4.422-2.935 7.077s1.056 5.201 2.935 7.077l29.173 29.122c-19.437 32.673-29.807 70.076-29.807 109.069 0 57.202 22.314 110.98 62.833 151.427 40.514 40.442 94.379 62.714 151.672 62.714s111.158-22.272 151.671-62.714c40.519-40.446 62.833-94.225 62.833-151.427 0-38.994-10.37-76.396-29.807-109.07zm-60.321-46.108 39.101 39.031-19.215 19.181c-6.53-8.912-13.795-17.383-21.765-25.339-5.221-5.211-10.664-10.121-16.307-14.72zm-153.55-93.56c17.608 0 31.934 14.292 31.934 31.859 0 14.084-9.209 26.063-21.934 30.259v-23.11c0-5.522-4.477-10-10-10s-10 4.478-10 10v23.11c-12.726-4.196-21.934-16.175-21.934-30.259 0-17.567 14.326-31.859 31.934-31.859zm-192.651 132.591 39.101-39.031 18.186 18.153c-5.643 4.599-11.086 9.508-16.307 14.72-7.97 7.956-15.235 16.428-21.765 25.339zm192.651 339.409c-107.251 0-194.505-87.091-194.505-194.141s87.254-194.14 194.505-194.14 194.505 87.091 194.505 194.141-87.255 194.14-194.505 194.14z" fill="#020288"></path></g><g><g><ellipse cx="256" cy="297.859" fill="#e2c4ff" rx="152.994" ry="152.721"></ellipse></g><g><g><path d="m256 195.824c-5.523 0-10-4.478-10-10v-3.411c0-5.523 4.477-10 10-10s10 4.477 10 10v3.411c0 5.523-4.477 10-10 10z" fill="#020288"></path></g><g><path d="m256 423.306c-5.523 0-10-4.478-10-10v-3.411c0-5.522 4.477-10 10-10s10 4.478 10 10v3.411c0 5.522-4.477 10-10 10z" fill="#020288"></path></g></g><g><g><path d="m371.446 307.859h-3.412c-5.523 0-10-4.478-10-10s4.477-10 10-10h3.412c5.523 0 10 4.478 10 10 0 5.523-4.477 10-10 10z" fill="#020288"></path></g><g><path d="m143.965 307.859h-3.412c-5.523 0-10-4.478-10-10s4.477-10 10-10h3.412c5.523 0 10 4.478 10 10 0 5.523-4.477 10-10 10z" fill="#020288"></path></g></g><g><g><path d="m335.221 228.639c-2.559 0-5.119-.977-7.071-2.929-3.905-3.905-3.905-10.237 0-14.143l2.412-2.412c3.905-3.904 10.237-3.904 14.143 0 3.905 3.905 3.905 10.237 0 14.143l-2.412 2.412c-1.954 1.952-4.513 2.929-7.072 2.929z" fill="#020288"></path></g><g><path d="m174.367 389.492c-2.559 0-5.119-.977-7.071-2.929-3.905-3.905-3.905-10.237 0-14.143l2.412-2.412c3.905-3.904 10.237-3.904 14.143 0 3.905 3.905 3.905 10.237 0 14.143l-2.412 2.412c-1.953 1.953-4.513 2.929-7.072 2.929z" fill="#020288"></path></g></g><g><g><path d="m337.633 389.492c-2.559 0-5.119-.977-7.071-2.929l-2.412-2.412c-3.905-3.905-3.905-10.237 0-14.143 3.905-3.904 10.237-3.904 14.143 0l2.412 2.412c3.905 3.905 3.905 10.237 0 14.143-1.954 1.953-4.513 2.929-7.072 2.929z" fill="#020288"></path></g><g><path d="m176.779 228.639c-2.559 0-5.119-.977-7.071-2.929l-2.412-2.412c-3.905-3.905-3.905-10.237 0-14.143 3.905-3.904 10.237-3.904 14.143 0l2.412 2.412c3.905 3.905 3.905 10.237 0 14.143-1.953 1.952-4.513 2.929-7.072 2.929z" fill="#020288"></path></g></g><path d="m315.809 286.361h-25.278c-3.337-11.001-12.031-19.695-23.033-23.032v-31.308c0-5.523-4.477-10-10-10s-10 4.477-10 10v31.308c-14.168 4.297-24.511 17.48-24.511 33.032 0 19.029 15.482 34.511 34.511 34.511 15.553 0 28.736-10.342 33.033-24.511h25.278c5.523 0 10-4.478 10-10s-4.477-10-10-10zm-58.311 24.511c-8.001 0-14.511-6.51-14.511-14.511s6.509-14.51 14.511-14.51c8.001 0 14.511 6.509 14.511 14.51-.001 8.001-6.51 14.511-14.511 14.511z" fill="#020288"></path></g></g></svg> </div> </div> </div> </div> </div> </div> </div> <div class="elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-e840a1b" data-id="e840a1b" data-element_type="column"> <div class="elementor-column-wrap elementor-element-populated"> <div class="elementor-widget-wrap"> <div class="elementor-element elementor-element-175317d elementor-widget elementor-widget-heading" data-id="175317d" data-element_type="widget" data-widget_type="heading.default"> <div class="elementor-widget-container"> <h6 class="elementor-heading-title elementor-size-default">۷ روز ضمانت بازگشت</h6> </div> </div> <div class="elementor-element elementor-element-123fb66 elementor-widget elementor-widget-heading" data-id="123fb66" data-element_type="widget" data-widget_type="heading.default"> <div class="elementor-widget-container"> <span class="elementor-heading-title elementor-size-default">هفت روز مهلت دارید </span> </div> </div> </div> </div> </div> </div> </div> </section> </div> </div> </div> <div class="elementor-column elementor-col-20 elementor-top-column elementor-element elementor-element-0b2d48a" data-id="0b2d48a" data-element_type="column"> <div class="elementor-column-wrap elementor-element-populated"> <div class="elementor-widget-wrap"> <section class="elementor-section elementor-inner-section elementor-element elementor-element-54cd57c elementor-section-content-middle elementor-section-boxed elementor-section-height-default elementor-section-height-default" data-id="54cd57c" data-element_type="section"> <div class="elementor-container elementor-column-gap-no"> <div class="elementor-row"> <div class="elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-3ad13f2" data-id="3ad13f2" data-element_type="column"> <div class="elementor-column-wrap elementor-element-populated"> <div class="elementor-widget-wrap"> <div class="elementor-element elementor-element-85c09ae elementor-view-default elementor-widget elementor-widget-icon" data-id="85c09ae" data-element_type="widget" data-widget_type="icon.default"> <div class="elementor-widget-container"> <div class="elementor-icon-wrapper"> <div class="elementor-icon"> <svg xmlns="http://www.w3.org/2000/svg" id="Capa_1" height="512" viewBox="0 0 512 512" width="512"><g><g fill="#020288"><path d="m256 82.637c-95.593 0-173.363 77.77-173.363 173.363s77.77 173.363 173.363 173.363 173.363-77.77 173.363-173.363-77.77-173.363-173.363-173.363zm0 326.726c-84.565 0-153.363-68.798-153.363-153.363s68.798-153.363 153.363-153.363 153.363 68.798 153.363 153.363-68.799 153.363-153.363 153.363z"></path><path d="m498.337 290.378c6.404-9.956 13.663-21.24 13.663-34.378s-7.259-24.422-13.663-34.378c-4.287-6.664-8.336-12.958-9.635-18.665-1.386-6.087-.459-13.74.522-21.841 1.467-12.119 2.985-24.65-2.533-36.07-5.615-11.621-16.971-18.584-26.991-24.728-6.866-4.209-13.351-8.186-17.123-12.904-3.812-4.767-6.274-11.998-8.88-19.653-3.772-11.079-8.046-23.635-18.077-31.633-9.979-7.956-23.151-9.336-34.774-10.554-8.088-.847-15.728-1.647-21.29-4.327-5.372-2.588-10.659-7.975-16.256-13.678-8.265-8.422-17.633-17.968-30.34-20.853-12.233-2.776-24.047 1.462-35.472 5.563-7.769 2.787-15.108 5.421-21.488 5.421s-13.719-2.634-21.488-5.422c-11.424-4.1-23.237-8.339-35.472-5.563-12.707 2.884-22.075 12.43-30.34 20.853-5.597 5.703-10.883 11.09-16.255 13.678-5.562 2.679-13.201 3.479-21.29 4.327-11.623 1.218-24.796 2.598-34.774 10.554-10.031 7.998-14.306 20.554-18.077 31.632-2.606 7.656-5.068 14.887-8.88 19.654-3.772 4.718-10.258 8.694-17.124 12.904-10.019 6.144-21.375 13.107-26.99 24.728-5.518 11.421-4.001 23.952-2.534 36.071.981 8.102 1.908 15.754.522 21.841-1.299 5.707-5.348 12.001-9.635 18.665-6.404 9.956-13.663 21.24-13.663 34.378s7.259 24.422 13.663 34.377c4.287 6.665 8.336 12.959 9.635 18.666 1.386 6.087.459 13.739-.522 21.841-1.467 12.119-2.985 24.65 2.533 36.07 5.615 11.621 16.971 18.585 26.991 24.728 6.866 4.21 13.351 8.186 17.123 12.904 3.812 4.767 6.274 11.998 8.88 19.653 3.771 11.079 8.046 23.635 18.077 31.633 9.979 7.956 23.152 9.336 34.774 10.554 8.088.847 15.728 1.647 21.29 4.327 5.372 2.588 10.659 7.975 16.256 13.678 8.265 8.422 17.633 17.968 30.34 20.853 12.236 2.777 24.048-1.461 35.472-5.563 7.77-2.788 15.108-5.422 21.488-5.422s13.719 2.634 21.488 5.422c8.874 3.185 17.98 6.453 27.338 6.453 2.69 0 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6.368-24.29 4.883-6.975-1.584-13.541-8.274-20.492-15.357-6.554-6.678-13.331-13.584-21.851-17.688-8.697-4.19-18.452-5.211-27.886-6.2-9.762-1.022-18.982-1.989-24.389-6.3-5.453-4.348-8.445-13.136-11.612-22.44-3.046-8.947-6.196-18.199-12.193-25.699-5.957-7.449-14.259-12.539-22.289-17.463-8.421-5.163-16.375-10.039-19.437-16.378-2.966-6.139-1.859-15.284-.687-24.966 1.144-9.442 2.326-19.206.168-28.685-2.079-9.132-7.283-17.223-12.316-25.047-5.388-8.379-10.48-16.296-10.48-23.556 0-7.261 5.092-15.177 10.483-23.558 5.033-7.824 10.237-15.914 12.316-25.046 2.158-9.479.976-19.243-.168-28.685-1.172-9.682-2.279-18.827.687-24.966 3.063-6.338 11.016-11.215 19.437-16.378 8.029-4.923 16.332-10.014 22.289-17.463 5.997-7.499 9.147-16.752 12.193-25.699 3.168-9.304 6.16-18.092 11.613-22.44 5.408-4.312 14.628-5.277 24.39-6.3 9.434-.988 19.188-2.01 27.886-6.199 8.52-4.104 15.296-11.01 21.85-17.688 6.951-7.083 13.517-13.773 20.492-15.357 6.542-1.484 15.164 1.608 24.29 4.883 9.036 3.242 18.382 6.596 28.242 6.596s19.206-3.354 28.244-6.598c9.126-3.274 17.744-6.367 24.29-4.883 6.975 1.583 13.541 8.274 20.492 15.357 6.554 6.678 13.331 13.584 21.851 17.688 8.697 4.189 18.452 5.211 27.886 6.2 9.762 1.023 18.982 1.989 24.39 6.3 5.453 4.348 8.445 13.136 11.612 22.441 3.046 8.947 6.196 18.199 12.193 25.699 5.957 7.449 14.259 12.54 22.289 17.463 8.421 5.163 16.375 10.039 19.437 16.378 2.966 6.139 1.859 15.284.687 24.966-1.144 9.442-2.326 19.207-.168 28.685 2.079 9.132 7.283 17.222 12.316 25.046 5.389 8.381 10.481 16.297 10.481 23.558 0 7.26-5.092 15.177-10.483 23.557z"></path></g><g><path d="m256 323.636-57.162 20.326 1.668-60.645-36.995-48.082 58.192-17.154 34.297-50.044 34.297 50.044 58.192 17.154-36.995 48.082 1.668 60.645z" fill="#e2c4ff"></path></g></g></svg> </div> </div> </div> </div> </div> </div> </div> <div class="elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-b63ad87" data-id="b63ad87" data-element_type="column"> <div class="elementor-column-wrap elementor-element-populated"> <div class="elementor-widget-wrap"> <div class="elementor-element elementor-element-e5f5c83 elementor-widget elementor-widget-heading" data-id="e5f5c83" data-element_type="widget" data-widget_type="heading.default"> <div class="elementor-widget-container"> <h6 class="elementor-heading-title elementor-size-default">ضمانت اصل‌بودن کالا</h6> </div> </div> <div class="elementor-element elementor-element-7309676 elementor-widget elementor-widget-heading" data-id="7309676" data-element_type="widget" data-widget_type="heading.default"> <div class="elementor-widget-container"> <span class="elementor-heading-title elementor-size-default">تایید اصالت کالا</span> </div> </div> </div> </div> </div> </div> </div> </section> </div> </div> </div> </div> </div> </section> <section class="elementor-section elementor-top-section elementor-element elementor-element-5d7776e elementor-section-boxed elementor-section-height-default elementor-section-height-default" data-id="5d7776e" data-element_type="section" data-settings="{"background_background":"classic"}"> <div class="elementor-container elementor-column-gap-default"> <div class="elementor-row"> <div class="elementor-column elementor-col-25 elementor-top-column elementor-element elementor-element-0b4d1a8" data-id="0b4d1a8" data-element_type="column"> <div class="elementor-column-wrap elementor-element-populated"> <div class="elementor-widget-wrap"> <div class="elementor-element elementor-element-dedcb5d elementor-widget elementor-widget-heading" data-id="dedcb5d" data-element_type="widget" data-widget_type="heading.default"> <div class="elementor-widget-container"> <h6 class="elementor-heading-title elementor-size-default">با هنراشاپ</h6> </div> </div> <div class="elementor-element elementor-element-60148a1 elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list" data-id="60148a1" data-element_type="widget" data-widget_type="icon-list.default"> <div class="elementor-widget-container"> <ul class="elementor-icon-list-items"> <li class="elementor-icon-list-item"> <a href="#"> <span class="elementor-icon-list-text">اتاق خبر هنراشاپ</span> </a> </li> <li class="elementor-icon-list-item"> <a href="#"> <span class="elementor-icon-list-text">فروش در هنراشاپ</span> </a> </li> <li class="elementor-icon-list-item"> <a href="#"> <span class="elementor-icon-list-text">همکاری با سازمان‌ها</span> </a> </li> <li class="elementor-icon-list-item"> <a href="#"> <span class="elementor-icon-list-text">فرصت‌های شغلی</span> </a> </li> </ul> </div> </div> </div> </div> </div> <div class="elementor-column elementor-col-25 elementor-top-column elementor-element elementor-element-f0d358f" data-id="f0d358f" data-element_type="column"> <div class="elementor-column-wrap elementor-element-populated"> <div class="elementor-widget-wrap"> <div class="elementor-element elementor-element-84d21d7 elementor-widget elementor-widget-heading" data-id="84d21d7" data-element_type="widget" data-widget_type="heading.default"> <div class="elementor-widget-container"> <h6 class="elementor-heading-title elementor-size-default">خدمات مشتریان</h6> </div> </div> <div class="elementor-element elementor-element-2bcb21a elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list" data-id="2bcb21a" data-element_type="widget" data-widget_type="icon-list.default"> <div class="elementor-widget-container"> <ul class="elementor-icon-list-items"> <li class="elementor-icon-list-item"> <a href="#"> <span class="elementor-icon-list-text">پاسخ به پرسش‌های متداول</span> </a> </li> <li class="elementor-icon-list-item"> <a href="#"> <span class="elementor-icon-list-text">رویه‌های بازگرداندن کالا</span> </a> </li> <li class="elementor-icon-list-item"> <a href="#"> <span class="elementor-icon-list-text">شرایط استفاده</span> </a> </li> <li class="elementor-icon-list-item"> <a href="#"> <span class="elementor-icon-list-text">حریم خصوصی</span> </a> </li> </ul> </div> </div> </div> </div> </div> <div class="elementor-column elementor-col-25 elementor-top-column elementor-element elementor-element-e1af8b1" data-id="e1af8b1" data-element_type="column"> <div class="elementor-column-wrap elementor-element-populated"> <div class="elementor-widget-wrap"> <div class="elementor-element elementor-element-5e55e35 elementor-widget elementor-widget-heading" data-id="5e55e35" data-element_type="widget" data-widget_type="heading.default"> <div class="elementor-widget-container"> <h6 class="elementor-heading-title elementor-size-default">راهنمای خرید از نگارشاپ</h6> </div> </div> <div class="elementor-element elementor-element-fa8e517 elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list" data-id="fa8e517" data-element_type="widget" data-widget_type="icon-list.default"> <div class="elementor-widget-container"> <ul class="elementor-icon-list-items"> <li class="elementor-icon-list-item"> <a href="#"> <span class="elementor-icon-list-text">نحوه ثبت سفارش</span> </a> </li> <li class="elementor-icon-list-item"> <a href="#"> <span class="elementor-icon-list-text">رویه ارسال سفارش</span> </a> </li> <li class="elementor-icon-list-item"> <a href="#"> <span class="elementor-icon-list-text">شیوه‌های پرداخت</span> </a> </li> </ul> </div> </div> </div> </div> </div> <div class="elementor-column elementor-col-25 elementor-top-column elementor-element elementor-element-f8ed5f9" data-id="f8ed5f9" data-element_type="column"> <div class="elementor-column-wrap elementor-element-populated"> <div class="elementor-widget-wrap"> <div class="elementor-element elementor-element-dbf69d7 elementor-widget elementor-widget-heading" data-id="dbf69d7" data-element_type="widget" data-widget_type="heading.default"> <div class="elementor-widget-container"> <h6 class="elementor-heading-title elementor-size-default">خبرنامه</h6> </div> </div> </div> </div> </div> </div> </div> </section> <section class="elementor-section elementor-top-section elementor-element elementor-element-f66b39d elementor-section-content-middle elementor-section-boxed elementor-section-height-default elementor-section-height-default" data-id="f66b39d" data-element_type="section" data-settings="{"background_background":"classic"}"> <div class="elementor-container elementor-column-gap-default"> <div class="elementor-row"> <div class="elementor-column elementor-col-33 elementor-top-column elementor-element elementor-element-de1d08b" data-id="de1d08b" data-element_type="column"> <div class="elementor-column-wrap elementor-element-populated"> <div class="elementor-widget-wrap"> <div class="elementor-element elementor-element-18152da elementor-widget elementor-widget-image" data-id="18152da" data-element_type="widget" data-widget_type="image.default"> <div class="elementor-widget-container"> <div class="elementor-image"> <img width="143" height="58" src="http://hoonarashop.ir/wp-content/uploads/2020/07/logo-1-1.png" class="attachment-large size-large" alt="" loading="lazy" srcset="http://hoonarashop.ir/wp-content/uploads/2020/07/logo-1-1.png 143w, http://hoonarashop.ir/wp-content/uploads/2020/07/logo-1-1-50x20.png 50w" sizes="(max-width: 143px) 100vw, 143px" /> </div> </div> </div> </div> </div> </div> <div class="elementor-column elementor-col-33 elementor-top-column elementor-element elementor-element-bd831e0" data-id="bd831e0" data-element_type="column"> <div class="elementor-column-wrap elementor-element-populated"> <div class="elementor-widget-wrap"> <div class="elementor-element elementor-element-bb65d5c elementor-widget elementor-widget-text-editor" data-id="bb65d5c" data-element_type="widget" data-widget_type="text-editor.default"> <div class="elementor-widget-container"> <div class="elementor-text-editor elementor-clearfix"> <div> <h5>فروشگاه اینترنتی هونارا شاپ</h5> <p>هونارا شاپ به عنوان یکی از قدیمی‌ترین فروشگاه های اینترنتی با بیش از یک دهه تجربه، با پایبندی به سه اصل کلیدی، پرداخت در محل، 7 روز ضمانت بازگشت کالا و تضمین اصل‌بودن کالا، موفق شده تا همگام با فروشگاه‌های معتبر جهان، به بزرگ‌ترین فروشگاه اینترنتی ایران تبدیل شود. به محض ورود به دیجی‌کالا با یک سایت پر از کالا رو به رو می‌شوید! هر آنچه که نیاز دارید و به ذهن شما خطور می‌کند در اینجا پیدا خواهید کرد.</p> </div> </div> </div> </div> </div> </div> </div> <div class="elementor-column elementor-col-33 elementor-top-column elementor-element elementor-element-5a6d4b0" data-id="5a6d4b0" data-element_type="column"> <div class="elementor-column-wrap elementor-element-populated"> <div class="elementor-widget-wrap"> <div class="elementor-element elementor-element-11bd012 elementor--h-position-center elementor--v-position-middle elementor-widget elementor-widget-slides" data-id="11bd012" data-element_type="widget" 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