Bari cheez par udhaar ya qist, kya behtar hai

Saada udhaar chhoti raqam aur chhote intezar ke liye theek hai. Bari cheez ke liye qist ka plan behtar hai, kyunki us mein tareekhein aur raqam saman jane se pehle tay ho jati hain. Us customer ki ek mahine ki aam khareedari se kam ho to saada rakhein. Us se upar ho to plan likh lein.

Wohi Rs 24,000 ka fridge, do tareeqon se

Jis customer ko aap chhe saal se jante hain woh fridge lena chahta hai. Us ke paas aaj Rs 6,000 hain aur ek pakki naukri. Aap ne haan dono soorton mein kehni hai, is liye asal sawal sirf itna hai ke haan ki shakal kya hogi.

Pehli shakal. Woh Rs 6,000 deta hai, fridge le jata hai, aur baqi raqam us ke khate mein chali jati hai. Jaise jaise paise aate rahenge woh deta rahega. Dono ko sakhawat ka ehsas hota hai, balance ke ilawa kuch likha nahin gaya, aur kisi ne koi tareekh zubani nahin kahi.

Doosri shakal. Woh Rs 6,000 deta hai, aur aap likh dete hain ke baqi Rs 18,000 chhe mahine mein Rs 3,000 ki qiston se aayenge, har das tareekh ko, agle mahine se. Woh koi bara kaghaz nahin bharta. Usay bas tareekhein maloom hain, aur aap ko bhi.

Aath mahine baad yeh dono shaklein bilkul alag nazar aati hain. Pehli mein balance Rs 11,400 hai, us ne jis mahine jo bacha diya, aap teen dafa poochh chuke hain aur har dafa ajeeb mehsoos hua, aur yeh kis mahine khatam hoga yeh dono mein se koi nahin bata sakta. Doosri mein woh chhathe mahine khatam ho gaya, aur woh saatwein mahine washing machine ke bare mein poochhne aa gaya.

Poora moqabla yehi hai. Wohi customer, wohi fridge, wohi bharosa. Farq sirf tareekhon ka tha.

Yeh dono asal mein hain kya

Yeh do alag cheezein nahin bikti. Yeh ek hi qarz likhne ke do tareeqe hain, aur farq poora us mein hai jo saman jane se pehle tay hua.

Udhaar ek khula balance hai. Us ke zimme raqam hai, woh jab de sake deta hai, aur anjaam jab aaye tab. Isay banane ka koi kharch nahin, bazaar hamesha se aisay hi chalta aaya hai, aur is ki poori khoobi yeh hai ke Rs 400 ke chawal ke liye is mein koi rukawat nahin.

Qist ka plan wohi balance hai jis mein shuru mein teen cheezein tay kar di jati hain: down payment, qiston ki tadaad, aur tareekhein. Is ke ilawa kuch nahin badalta. Saman aaj hi jata hai, bharosa wohi bharosa rehta hai, magar anjaam ki lakeer safar se pehle mojood hoti hai.

Qist wale plan par ek dafa ka munafa bhi rakha ja sakta hai: plan ki qeemat cash qeemat se thori upar, jo aap khud plan banate waqt tay karte hain, kyunki aap ka paisa ek hafte ki jagah chhe mahine ke liye ruk raha hai. Woh number ek dafa tay hota hai aur us ke baad kabhi barhta nahin. Der se aane wali adaigi par baad mein kuch bhi nahin lagta. Na jurmana, na deri ka koi charge, na kisi qism ka sood, aur agar aap pehla plan bana rahe hain to qist plan banane ka insaf wala tareeqa alag se likha hua hai.

Aamne saamne, seedhi baat

Ek fridge, ek customer, likhne ke do tareeqe

Saada udhaarQist ka plan

Khatam kab hogaSaada udhaarJab khatam hoga tab hogaQist ka planAisi tareekh jo dono bata sakein

Banane meinSaada udhaarDas second, ek lineQist ka planTeen minute aur chhoti si baat cheet

Customer ko kya yaad rehta haiSaada udhaarKe us ke zimme kuch haiQist ka planRaqam aur din, dono

Woh pehle kaunsa bill deta haiSaada udhaarJis par tareekh hai, aur woh aap ka nahinQist ka planAap ka, kyunki tareekh aap ke paas hai

Aap ka paisa wapas aanaSaada udhaarTukron mein, jab us ke paas bacheQist ka planAisi tarteeb se jis par plan bane

Paise maangnaSaada udhaarHar dafa taqaza lagta haiQist ka planSirf tay shuda tareekh ki yaad dahani

Kis ke liye behtarSaada udhaarRozana ka saman aur chhoti raqamQist ka planEk bari cheez jo mahine legi

Agar woh ghayab ho jayeSaada udhaarDono soorton mein bacha nahin ja saktaQist ka planDoosri tareekh chhootte hi pata chal gaya

Sab se pehle khatam hone wali tareekh ki line parhein, kyunki baqi sab ka faisla wohi karti hai. Khule balance ka koi anjaam nahin hota, aur jis qarz ka anjaam na ho wohi customer ki zindagi ki har doosri adaigi ke peeche chala jata hai. Yeh be-imani nahin hai. Yeh insani baat hai: jis bill par tareekh likhi ho woh pehle diya jata hai, aur aap ka wohi bill hai jis par tareekh nahin.

Yeh bhi dekhein ke table kya nahin kehti. Qist ka plan customer ko zyada imandar nahin banata. Jo aadmi shuru se ghayab hone wala tha, us se yeh aap ko nahin bachata. Aur is mein mehnat zyada hai: teen minute ka likhna, tareekhon par baat, aur das tareekh yaad dilane ka koi zariya. Rs 900 ke gas silinder ke liye yeh sab sirf shaam zaya karna hai.

Aap ke apne paison par kya asar parta hai

Dukandar is baat ko aksar customer ki taraf se sochte hain. Isay ulta kar ke dekhein, kyunki paisa aap ka hai.

Farz karein: wohi Rs 24,000 ka fridge, aath mahine baad

Fridge aap ko kitne ka paraRs 21,000

Down payment, dono mein barabarRs 6,000

Saada udhaar par, ab tak wasooliRs 6,600

Saada udhaar par, abhi baharRs 11,400

Chhe mahine ke plan par, wasooliRs 18,000

Chhe mahine ke plan par, abhi baharRs 0

Aaj khareedne ki taqat mein farqRs 11,400

Yeh misal ke number hain, koi survey nahin. Dono ne apni gunjaish ke mutabiq diya; tareekhein sirf ek ko mili thin.

Sab se ahem aakhri line hai: aap ka apna paisa kab wapas aata hai. Fridge sirf Rs 24,000 ka saman nahin, yeh aap ki Rs 24,000 ki khareedne wali taqat hai jo kisi ke kitchen mein rakhi hai. Jitne mahine woh wahan rehti hai utne mahine aap us se apni shelf nahin bhar sakte, aur patli shelf kisi bhi ek customer se zyada nuqsan karti hai.

Do teen bare khule balance ek sath ho jayein, to woh dukan jo theek chal rahi thi har mahine ki paanch tareekh ko tang mehsoos karne lagti hai. Phir aap apne supplier ko der karte hain, aur jo aap ke apne zimme hai woh aap se woh ache rate cheenne lagta hai jo aap ne kama rakhe thay. Counter par kuch ghalat nahin hua. Paisa bas kisi tarteeb se wapas nahin aaya.

Kis customer ke liye kya theek hai

Sahih jawab samne khare shakhs ke sath badalta hai, aur jo maloomat chahiye woh aap ke paas pehle se hain.

Nishaniyan ke is par likha plan chahiye, khula balance nahin

• Raqam us ke aam mahine ki khareedari se bari hai
• Yeh ek hi cheez hai, mahine bhar ki chhoti khareedari nahin
• Us ki adaigi tay tareekh par hoti hai, qist us ke peeche lag sakti hai
• Aap ko do dafa taqaza karte hue jhijak hogi
• Warna yeh kis mahine khatam hoga, yeh nazar hi nahin aata
• Us se aap ki jaan pehchan saal se kam ki hai
• Us ne khud plan ki farmaish ki hai
• Rozana ka chhota saman khule khate par
• Jo cheez woh usi hafte saaf kar deta hai

Mahana tankhwah wala aadmi sab se asaan qist customer hai, kyunki us ka paisa tay tareekh par aata hai aur aap ki qist us ke do din baad baith sakti hai. Dihari wale ke liye mahana plan mushkil hota hai aur hafte ki chhoti raqam behtar chalti hai, jo wohi baat hai bas chhote qadam ke sath.

Naye customer ko bari cheez saada udhaar par de dena chhoti dukan ki sab se mehngi ghalti hai. Agar aap usay itna nahin jante ke us ke sath baith kar plan likh sakein, to aap usay itna bhi nahin jante ke Rs 24,000 ka saman khule balance par de dein, aur in dono mein plan hi kahin zyada mehfooz hai. Inkar karne ki jagah down payment bari lein, aur pehli do qisten aap ko bata dengi ke woh kaun hai. Purane customer ko rokna bhi isi soojh bojh ka kaam hai, bas sifar thore kam hote hain.

Ek customer woh bhi hota hai jo chhoti raqam par bhi plan maangta hai kyunki usay aisay zyada aaram lagta hai. Haan keh dein. Aap ke teen minute lagenge aur woh khud bata raha hai ke usay dena kis tarah asaan hai.

Woh ghaltiyan jo plan kharab kar deti hain

Qist ka plan chaar tarah se bigarta hai, aur chaaron se bacha ja sakta hai.

Down payment bohat chhoti rakhna. Down payment koi rasm nahin, yeh us cheez mein customer ka apna paisa hai. Paanchwan ya chautha hissa aam hai. Is se kam ho to cheez khareedi hui nahin, maangi hui lagti hai, aur maangi hui cheez chhorna asaan hota hai.

Aisi qisten jo us ke bas mein na hon. Chhe aisi qisten jo woh waqai deta hai, un chaar bari qiston se behtar hain jo do dafa chhoot jati hain. Poochein ke bure hafte ke bagair har mahine kitna ho sakta hai, phir us ke jawab se thora kam rakhein.

Aisi tareekh jo us ki tankhwah se na miley. Is ko theek karne ka koi kharch nahin aur yeh zyada tar chhootne wali qisten bacha leti hai. Us ki tankhwah pehli ko aati hai to attais ko wasooli na rakhein. Tareekh paisa milne ke do teen din baad rakhein.

Aisa plan jo kisi ne likha hi nahin. Bheer wali dukan mein zubani tay ho kar do logon ki yaadasht mein rehne wali baat plan nahin hoti, woh do alag plan hote hain. Raqam aur tareekhein wahan likhein jahan dono dekh sakein, aur us ki copy usay dein. Wasoolo download free hai aur poori tarteeb customer ke sath rakhta hai, taake agli tareekh yaadasht ki jagah screen par ho.

Ek aur baat, jo ghalti se zyada aadat hai: chhooti hui qist par chhe hafte ki khamoshi kabhi na aane dein. Usi hafte poochein, aam awaz mein, aur agar kam raqam par baat banti hai to kam raqam maangein. Jis plan ko pehle hafte mein chhoti si durusti mil jaye woh taqreeban hamesha poora hota hai. Jis ka zikr teesre mahine tak kisi ne kiya hi na ho, woh aksar nahin hota.

Purane udhaar ko plan mein badalna

Zyada tar dukandar yeh parh kar us bande ke bare mein sochte hain jis ke zimme pehle se bari khuli raqam hai. Us balance ko badla ja sakta hai, aur is poore mazmoon ki sab se kaam ki baat yehi hai.

Purane khule balance ko aisay plan mein badalna jo khatam ho

1. 1Pehle number par ittefaq kareinBalance bol kar sunayein aur har baat se pehle us ki haan lein.
2. 2Poochein ke har mahine kitna ho sakta haiPhir us ke jawab se thora kam rakhein. Jo qadam hamesha uth sake woh do dafa uthne wale se behtar hai.
3. 3Tareekh us ki tankhwah ke baad rakheinPaisa milne ke do teen din baad, pehle hargiz nahin.
4. 4Badalne ka koi extra na lagayeinAap balance ki shakal badal rahe hain, us ka size nahin.
5. 5Do jagah likheinAap ka record aur us ki copy, wohi raqam aur wohi tareekhein.
6. 6Pehli qist ko imtihan samjheinWaqt par aayi to baqi bhi aayegi. Chhoot gayi to isi hafte poochein, agle mahine nahin.

Baat cheet aap ke andaze se chhoti hoti hai, kyunki aap zyada paise nahin maang rahe. Aap anjaam ki tareekh de rahe hain, aur anjaam ki tareekh us shakhs ke liye sukoon hoti hai jo aisi raqam utha raha tha jise saaf karne ki ummeed woh chupke se chhor chuka tha.

Badalte waqt upar se kuch na lagayein. Raqam wohi hai jo hai. Aap us ki shakal badal rahe hain, us ka size nahin, aur jis customer ko lage ke tarteeb par razi hone ki qeemat li ja rahi hai woh razi hi nahin hoga. Purani wasooli hi maqsad hai to tarteeb aap ka auzar hai, aur khair-sagali wohi cheez hai jo us tarteeb ko chalati hai.

Phir pehli qist ko asal imtihan samjhein. Woh apne din par aa gayi to aap ne mara hua balance chalta hua bana liya aur baqi bhi aayega. Nahin aayi to aap ne teen hafte mein woh baat seekh li jo khula balance aap ko do saal mein sikhata.

Aam sawalat

Kitni raqam par saada udhaar chhor kar qist ka plan likhna chahiye?

Ek kaam ki lakeer yeh hai: us customer ki ek mahine ki aam khareedari. Jo aap ki dukan par mahine ka Rs 3,000 kharch karta hai woh Rs 3,000 khula utha sakta hai aur dono mein se koi nahin sochta. Wohi shakhs Rs 20,000 khule par ho to us ke paas anjaam ka koi tasawwur nahin, aur aap ke paas bhi nahin. Number muqaddas nahin, usool ahem hai: balance us ke aam mahine se bara ho to usay tareekhein dein.

Kya qist wali qeemat cash qeemat se zyada rakhi ja sakti hai?

Plan banate waqt aap ek dafa ki raqam cash qeemat se upar rakh sakte hain, jo aap tay karte hain aur razamandi se pehle customer ko bata dete hain, kyunki aap ka paisa dinon ki jagah mahinon ke liye ruk raha hai. Woh pehle din tay hoti hai aur us ke baad kabhi barhti nahin. Der se aane par baad mein kuch nahin lagta, aur customer ko cash qeemat aur plan qeemat sath sath sunni chahiye taake faisla us ka apna ho.

Agar us ki koi qist chhoot jaye to?

Usi hafte poochein, aam awaz mein, aur dekhein ke yeh kis qism ka chhootna hai. Bura mahina hai to abhi kam raqam le lein aur baqi aakhir mein daal dein. Baar baar chhoot rahi hai to qist zyada rakhi gayi thi, is liye plan dobara likhein aur qadam chhote kar dein. Deri par upar se kuch nahin lagta; ilaj hamesha tarteeb hai, koi charge nahin.

Bari cheez par kuch zamanat rakhni chahiye?

Zamin aam tor par kisi cheez se zyada kaam aata hai, kyunki usi gali ka mautabar naam adaigi ke liye us kaghaz se zyada karta hai jis par koi amal nahin karna chahta. Zamin se khud, customer ke samne baat karein, taake teenon ne ek hi jumla suna ho. Kisi ke asli shanakhti kaghaz apne paas rakhna bura tareeqa hai aur wohi rishta kharab karta hai jise aap bachana chahte hain.

Customer fridge to chahta hai magar likhe hue plan se inkar karta hai, is ka kya matlab?

Aam tor par do mein se ek baat: ya to likhi hui raqam us ke liye pehle sharmindagi ban chuki hai, ya woh tareekhon se bandhna nahin chahta. Sab se chhota tareeqa aazmayein, ek line jo woh dekh sake, aur tareekhein bol kar sunayein. Phir bhi inkar kare to aaj kitna saman dena chahiye is ka jawab aap ko mil gaya, aur bari down payment ke sath chhota plan hi darmiyani imandar raasta hai.

Mahine ki ek do bari cheezon ke liye itni mehnat karna banta hai?

Haan, kyunki chhoti dukan ka paisa asal mein wahin jata hai. Bees chhote udhaar khud ba khud chalte rehte hain; do bare khule balance nahin chalte, aur aksar wohi raqam hoti hai jo aap ko kami mehsoos karati hai. Har bari cheez par das minute ka likhna is poore mazmoon ki sab se sasti cheez hai.