Kodi kutenga ngongole?

Ngongole zatchuka kwambiri mu dziko lathu, ndi mwina dziko. Ndipotu anthu ambiri kusunga ndalama sindikudziwa momwe, kapena mungathe, koma ndikufuna kutenga chinthu ichi pakali pano. Panopa, ngongole akhoza kutenga chirichonse chimene inu mukufuna, komanso matelefoni, ndi galimoto ndi nyumba. Mwatsoka, onse odziwa intricacies onse ngongole ndi chifukwa kugwa pa ndalama zambiri kuti kwapatsidwa kwa banki kale wolemera. Kuti bwino amatenga ngongole muyenera pang'ono kumvetsa intricacies onse ngongole, ndipo iwo ali kwambiri.

mabanki onse, pali mapulani tariff ambiri: mkulu-zokolola,-ndalama zochepa komanso ndalama pakati. Bank wantchito, ndi kalembera wa ngongole, kuyang'ana munthu ndipo iye akuyesera zoika mlingo opindulitsa. Bank wantchito malipiro zimadalira ngongole yabwino, ngati ngongole adzakhala lipindulitsa pa gombe, wogwila ntchito banki, kupanga ngongole, kupeza ntchito yabwino, ndipo ngati nkhani mlingo amapeza ndalama zochepa, banki apeza pang'ono ndipo pafupifupi sizinagwire ntchito. Pa njira zosiyanasiyana, malingana ndi chiopsezo katundu ali chidwi chake pa overpayment lapansi. Mwachitsanzo, ngati inu kutenga ngongole kwa zida computer, ndi chodziwikiratu kuti chiwerengero chonse cha overpayment adzakhala pansipa 26%. Osachepera mu mzinda wathu, sindinaonepo Zikatero.

Anthu ambiri amakopeka ndi ngongole popanda malipiro. Mulimonsemo simungathe kutenga ngongole ku banki m'mikhalidwe yoteroyo. Overpayment kumeneko afika misala, osati chifukwa ngongole kuchuluka ali wamkulu ndi zazikulu overpayment, komanso chifukwa banki ndi atsikana pachiopsezo ndi ngongole imeneyi ndi ngozi chagona mu mtengo wa ngongole. The zambiri Mwina kulephera zambiri kuno.

Simuyenera kutenga ngongole kwa dzina, monga "10-10-10". Chiwerengerochi zikutanthauza kuti malipiro koyamba 10 peresenti, ngongole zikutengedwa miyezi 10, ndi overpayment ndi 10 peresenti. Musadzakhulupirire zimenezo. Iwo kukuwonetsani kuchuluka muyenera kulipira mwezi uliwonse, koma ngati inu kuwerengera mtengo wa overpayments kwa Chiwerengero zidzakhala si 10%, koma Mwachitsanzo, 30-40 kapena 50%. Ambiri overpayment lachokera ku chakuti pali chinthu monga inshuwalansi ndi inshuwalansi Penepi ndi pikulu ndalama. Kunena zoona, pamene inu kutenga kanthu ofunika 20 chikwi. Rubles kwa dongosolo lino tariff, ndi overpayment adzakhala 2 zikwi. Rubles, ndi inshuwalansi ndalama 5-6 rubles, ndipo nthawizina 8 TH. Rubles. Choncho, pamaso inu kulemba pangano ngongole, akathyole foni, kutsegula Chiwerengero ndi kuwerenga, kupanga nkhanza kapena ayi.

Ndakhala yokonza makompyuta, ndipo nthawizina ine kuthandiza anthu kugula makompyuta, ena makasitomala kutenga ngongole. Nthawi zambiri zinali mukafunse kuti apereke ulemerero kwa dongosolo chotero tariff ndi overpayment 26%. Kangapo anafunsa kuti, kodi mukuganiza motsimikiza, ndi overpayment adzakhala 26% amati. Ndipo pamene pa Chiwerengero kudzakudikira kuwerenga, likukhalira kuti 26%, ndipo 36% kapena zambiri. Choncho musamade kukhulupirira ogwira ntchito ku banki ndi kuchita cheke onse kumbuyo kwa Chiwerengero, amene ali yense foni.

Mwa kutsatira malamulo amenewa ndi chidziwitso cha zina zabwino izi kungakuthandizeni kupulumutsa udachita yovuta ndalama.