Mari, Personal Finance
Sezvo pawnshop Anoongorora pfuma uye kuti zvinokwanisika kuti aise: rokudzidzisa chirongwa yevanoda anokwereta
Life mamiriro ezvinhu akasiyana - dzinofadza uye kwete kudaro. Vazhinji vavo vane zvakafanana ndechokuti kudiwa mari nokuti chipo kana kuvhiyiwa kutenga chinhu panguva yakanaka chaizvo kana kukuvadza vakatambura mutsaona yokuvamba imhosva yako. Chokwadi, unogona kuenda kubhangi, pashure pokunge raunganidza magwaro anodiwa. Asi zvokuita kana nhoroondo yacho inopfuurira paminiti nguva kana zvikwereti kare dzichikanganisa (uye ichi ndicho chinhu chinokosha zvikuru chokuita kuti mabhanga)? Zvinobatsira mbiri kupfungwa, zvikwereti yakasimbiswa ne zvinokosha pfuma - munhu pawnshop. How kukoshesa zvinhu nemasangano zvakadai uye pamusoro chiizve unofanira kuziva nuances pamusoro zvinogona anokwereta? Tichataura pamusoro ichi gare gare.
Kana zvakakodzera kushandisa kuti the pawn?
Kakawanda vanhu anoreva pawnshops nekambani. Asi ichi ndicho chinhu kupfuura kufanana nevechiduku. Nzira pawnshops vanoongorora zvinhu uye nokukurumidza sei kuti kubva zvikwereti, vagari vakawanda Russian kuongorora kukura zvemari dambudziko, izvo kumanikidzwa dzakawanda kutsvaka mari "kutsanya". Musatya kuti kuteterera kuna pawnshop, iwe kukanganisa kumusoro mukurumbira wako kana kuva nedambudziko dzokudarika. Sarudza yakavimbika sangano pamwe hwakasimba basa ruzivo, unogona kuverenga pamusoro:
- Kutsanya kugadzira Chikumbiro (avhareji yemaminitsi 10);
- kugamuchira mari kana uine pasipoti, uye chete chinokosha zvinhu;
- yakanaka mugumisiro kunyange "anodzima" iri chikwereti nhoroondo (nokuti pawnshops hazvina basa kakawanda);
- kuvimbika uye kuchengetedzwa rubatso yako chikwereti nguva;
- mukana pasina matambudziko kuti pfuma yavo shure, pasi ezvinhu enyika kutengeserana;
- yakakwana mubereko prices.
Saka, kana iwe achidisa mari, uye kumirira akabvumirwa chikwereti pamwe pamahombekombe kwenguva yakarebesa, kana hazvibviri pfungwa nokuda kwezvikonzero zvinoverengeka, kufarirwa kusvika pawnshop - iri nzira rinokudzwa kubva ezvinhu.
Sezvo pawnshop anoyera pfuma?
In sangano mumwe akadaro ane yayo price list, uye avo zvinodiwa. Tinyatsonzwisisa zvinhu pawnshop kuitwa kufungisisa:
- dzavo musika mutengo;
- mamiriro;
- Kuvapo / kusavapo zvinovimbisa;
- mukurumbira wacho muchiso;
- chimiro kushandiswa pfuma nokuda chikwereti nguva.
Somuenzaniso, muguta guru racho the pawn chitoro Zalogator (zalogator.ru) anogona kugamuchira kusvika 95% of mutengo motokari chete hafu yeawa. Chokwadi, iwe havazokwanisi kushandisa motokari - achaitirwa vakatamira yokupakira Mugove sangano. Sezvo pawnshop anoyera pfuma (mu iyi - motokari), uyo usina kurasikirwa? Kusvikira 40-50% mumusika kukosha motokari uchawana pamaoko enyu, kana iwe siya rubatso chete michina pasipoti. Uyewo pane izvi nyaya, kuwedzera nguva chikumbiro, chikwereti nhoroondo uchatorwa kufungwa, panzvimbo kunyoresa motokari, etc. Mhiri chandagwinyira nokuti kuti the pawn zvinotora zvakawanda ngozi, kukupai chikwereti apo vachisiya motokari une.
Ndezvipi zvimwe zvinhu zvinogona kuisa mune pawnshop?
- Real pfuma uye nyika runofarira.
- Jewelry - zvinofungidzirwa mharidzo uremu uye uwandu uye unhu anokosha haina zvaisanganisira.
- Maawa pezvitsiga zvinodhura - somuenzaniso, casio, kuMabvazuva, Citizen, uye vamwe.
- Rokunze zvipfeko chedebwe uye mbava - unogamuchirwa chete zvakanaka.
- Household Appliances - zvawanikwa kuvapo / pasina rubatso, mukurumbira wacho Brand, utsva yacho chiridzwa.
How zvikuru vachafanira overpay?
Saka zvino munoziva nzira kuongorora pawnshops zvinhu. Zvazvinosarira kuona chii chikamu ari overpayment. Kazhinji, the pawn zvitoro imwe zuva kuchengetera ari rubatso anotora 0.5-1% of chikwereti uwandu. Saka, kare mwedzi "donhwe" kusvika 35%. Kana mukati mwedzi uchava kugara kubhadhara mubereko, asi havazokwanisi kudzorera chikwereti pacharo, iro pawnshop anogona kuwedzera kunyengera, uye mwero zvinogona zvishoma shoma. Nokuti vaya kunonoka muripo kufarira, mwero kunova kaviri. Kana iwe usingagoni kubhadhara iri nguva pamwe pawnshop, zvinhu zvichange akatengesera sangano akafukidza kurasikirwa kwavo.
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