Lombard: Ichi nchiani?

Mu yadziko ndalama akukumana anthu ambiri zikuchepa pali vuto la kusowa kwa ndalama. Pozindikira kuti kugula mwamsanga sadziwa kuchuluka ena ambiri atam'pempha ngongole kubanki kapena kutenga ngongole kwa abwenzi ndi anzawo. Koma pali gulu lina la anthu amene anapita ku chuma shopu kwa ngongole wotetezedwa ndi zodzikongoletsera kapena zinthu zina zamtengo wapatali. Sikulakwa iwo amakhulupirira kuti pawnshop - ndi mpata wabwino mofulumira ndi yochepa ngongole. Ndipotu, osati onse, pali zina magwero a ndalama kapena wopatsa achibale, waluso pa nthawi yoyenera kupereka chithandizo.

Kodi pawnshop?

Amene sakudziwa chimene mavuto zakuthupi chodziwikiratu kuti athe kumvetsa chifukwa chake anthu kupita ku chuma masitolo. Kumene, ngati munthu kuyesetsa panopa ndalama ndipo palibe wina kubwereka, mukhoza kugulitsa chirichonse cha zinthu. Koma si wina aliyense akufuna polekanitsa ndi zinthu mumaikonda, kenako anthu kuwapatsa monga ina ndi mwayi kugula.

Lombard - mwalamulo malonda bungwe, amene zinthu zochokera mfundo za zanyumba. Apa zonse ndi losavuta: Anthu ayenera ndalama posinthana ndi kuchuluka kwa nkhokwe monga ina wake ofunika. Akamaliza wa timeframe anakonzeratu mortgagor kulandira kuwombola katundu wawo kukhoma iye kuchuluka kale analandira nawoloka kwa anthu ino. Monga chikole akhoza anasiya katundu yekha payekha, kuphatikizapo zitsulo zamtengo wapatali, zipangizo banja, galimoto, zamagetsi ndi zodzikongoletsera. M'zaka zaposachedwapa inayamba kutchuka kwambiri kugwiritsa ntchito otchedwa maola pawnshop, kupereka yachidule ndi yosavuta kugona kapena kugulitsa mwanaalirenji ulonda Swiss.

Zimene timachita ndi zimene zimachitika?

Pezani ndalama zitha kukhala zinthu zimene n'kofunika. Kukula kwa ndalama ya wosindikiza pawnshop ndi anatsimikiza chifukwa amaganizira phindu la ina anapereka. Zikuonekeratu kuti mtengo woikidwiratu adzakhala kangapo wotsika kuposa ndalama kuti analipira, kukhala lendi katundu. Musanayambe pereka kwa pawnshop chinthu kwambiri, muyenera kuganizira mofatsa zonse. Inde, mu nkhani ya sanali kupereka ndalama anavomereza bungwe mortgagor adzayenera kugulitsa katundu cikole, ndipo amagwirizana ndi zosiyanasiyana ndalama opaleshoni. Choncho musapusitsidwe kuyembekezera kuti udzapeza kwa mtundu wanu watsopano piritsi mtengo $ 500 osachepera 400. Kunena zoona, kuchuluka adzakhala laling'ono kwambiri ndi pawnshops osiyana woikidwiratu wa munthu ndi chinthu chomwecho zingasiyane mwakuthupi.

Pamene inu kubweza katundu ina wobwereka adzayenda pamaso osati ndalama zimene munalandira, komanso kuchuluka ena. Terms of malipiro ndi mlingo ntchito ndalama masitolo osiyana chuma akhoza kukhala osiyana kwambiri, ndipo m'pofunika kudziwa pasadakhale. Dziwani kuti anthu si mkulu, chifukwa kugwirizana ndi mabungwe amenewa angathandizenso yekha pa nkhani ya ngongole yochepa.

Ubwino ndi kuipa kwa chithandizo pawnshop ndi

Limodzi ntchito yaikulu ya ati pawnshop ndi - ndi liwiro ndikupeleka. Pakuti kuchuluka chofunika wokwanira kuti phindu ndi pasipoti. Zolemba akutenga zosakwana theka la ola. The Mtsutso wachiwiri, umboni mokomera mgwirizano amenewa ndi kupezeka ndi kuphweka. Izi ndi zoona makamaka kwa anthu ntchito popanda chitsimikizo cha boma cha ndalama kapena kukhala ndi mbiri zoipa mabungwe kubanki.

Kuwonjezera ubwino pamwamba, ntchito ya Lombard angapo a zovuta kwambiri, mmodzi amene ali mlingo mkulu chidwi mlandu pa ngongole ya. Komabe, pamene izo zifika ngongole yochepa, kuchuluka sikudzakhala waukulu kwambiri. Komanso njira chuma Iwo sapereka ngongole yaikulu.

Ufulu ndi udindo wobwereka ndi

Kukalandira thandizo la pawnbroker, pali ayenera kupereka osati chuma cikole, komanso pasipoti. Akamaliza ya mgwirizano ali ndi njira kasitomala ziyenera. Pledger afika manja pa ndalama ndi ina tikiti - chikalata limakupatsani kuombola chinthu kumanzere. Izo ziyenera kusonyeza adiresi ya pawnshop, ndi amene ndi amene tikiti ndi chikalata, ikulongosola za chuma cikole, kasitomala amalandira ndalama ndi nthawi ulendo wake wobwerera.

Ngati kasitomala si kugula chinthu patangotha mwezi umodzi akamaliza mgwirizano chimatilowetsa chuma bungwe patapita nthawi mwasankha.

Momwe ndalama, musakhale kapolo wa chinyengo?

Musanayambe kulowa mgwirizano, onetsetsani kuti pawnshop ali zilolezo onse. ayenera kukhala ndalama m'kaundula ndalama. ajombera akhale chifukwa chokana kuthana ndi bungwe umenewo. Zofunika ntchito za mlingo wa ntchito ndi vuto la pawnshop lapansi. Mabungwe ambiri masiku ano ali ndi malipiro makina.

Komanso, mmodzi wa zidule ambiri, ndilo pawnshop mokondera - zikuchulukirachulukira chiwongola dzanja. Choncho n'kofunika kwambiri pamaso kusainira mgwirizanowo kuwerenga bwinobwino.