Purani cheez qist par bechna

Pehle cash rate tay karein, phir usi number par plan banayein. Naye maal ke muqable zyada down payment lein, plan chhota rakhein, aur cheez dukan se nikalne se pehle uski har kharabi likh lein. Munafa ek hi raqam hai, shuru mein tay, aur uske baad kabhi tabdeel nahin.

Nadeem ke pass sirf Rs 8,000 hain

Subah ke sawa das baje Nadeem aap ke counter par khara hai. Uske ghar ka fridge mangal ko band ho gaya. Jitne size ka usay chahiye, naya lene jayein to Rs 90,000 ka hai. Uski jeb mein Rs 8,000 hain.

Aap ki dukan ke peeche ek purana fridge para hai jo kisi ghar ke naya lene par nikla tha. Thanda theek karta hai, dayein darwaze par ek jagah pichki hui hai aur anda tray ghayab hai. Aap usay Rs 35,000 mein de sakte hain, aur Nadeem har mahine Rs 4,000 nikal lega.

Bohat se gharane bari cheezein isi tarah khareedte hain. Naya nahin, kisi company ka scheme nahin, bas nukkar ki dukan se ek theek thak purani machine jo kuch mahinon mein utar jati hai.

Magar purani cheez qist par dena naye maal jaisa sauda nahin hai. Naya fridge dete waqt aap ek band dabba de rahe hote hain jiske peeche company khari hai. Doosre mahine compressor baith jaye to company ka aadmi aata hai. Purani cheez par company koi nahin hoti. Sirf aap hote hain.

Isi ek farq se chaar cheezein badal jati hain: qeemat bandhne ko koi chhapa hua rate nahin, qeemat plan se tezi se girti hai, machine plan se pehle jawab de sakti hai, aur har shikayat seedha aap ke counter par aati hai.

Qist ka lafz bolne se pehle cash rate banayein

Purani cheez par sab se aam ghalti yeh hai ke baat mahine wali raqam se shuru ho. Nadeem kehta hai Rs 4,000 mahina, aap kehte hain aath mahine, aur Rs 32,000 ki ek qeemat khud ba khud ban jati hai jiske neeche kuch nahin.

Pehle cash rate banayein, chaar aisi lainon se jinka aap jawab de sakein. Cheez aap ko kitne ki pari. Usay chalne laiq banane par kitna laga, yani gas, seal aur safai ki mazdoori. Waisi hi cheez aap ke ilaqe mein cash par kitne ki bik rahi hai. Aur aap ko kitna kamana chahiye ke usay rakhna faida de.

Phir cash rate zubani saaf bol dein, plan ki baat chhirne se pehle. "Yeh Rs 35,000 ka hai agar aap cash dein." Ab is ke baad har number ke neeche zameen hai. Rate lagana naye maal par bhi asaan nahin, halanke wahan chhapi hui qeemat aadha kaam kar deti hai. Purani cheez par to chhapa hua rate hi nahin, is liye yehi chaar lainein aap ki poori daleel hain.

Agar customer cash rate hi na maane to wahin ruk jayein. Plan kisi ghalat qeemat ko bacha nahin sakta, sirf paanchwe mahine tak chhupa deta hai.

Ek baar ka munafa, aur usay kaise samjhayein

Qist wali qeemat cash rate se zyada hoti hai. Yeh aam aur jayaz qist ka tareeqa hai, bashart ke wo ek hi number ho, ek hi baar shuru mein tay ho, aur phir usay kabhi haath na lagaya jaye.

Yeh koi rate nahin hai aur yeh barhta nahin. Is ka is baat se koi taluq nahin ke paisa paanch tareekh ko aaya ya pandrah ko. Aap plan banate waqt usay tay karte hain, total mein likh dete hain, aur wohi total plan ke aakhir tak chalta hai.

Purani cheez par yeh munafa teen cheezon ka bhaao hai: aap ke Rs 35,000 aath mahine kisi aur ke kitchen mein pare rahenge, machine ko kabhi bhi marammat chahiye ho sakti hai, aur agar plan chauthe mahine toot jaye to aadhi qiston wala purana fridge us tarah dobara nahin bikta jaise company naya maal wapas le kar theek kar leti hai.

Customer ko ek jumle mein bata dein. "Cash Rs 35,000, qist par Rs 39,000, kyunke mujhe aath mahine intezar karna hai aur purani machine ke peeche mujhe khara rehna hai." Wo foran samajh jayega. Uski gali ka har dukandar isi tarah kaam karta hai.

Der se paisa aane par baad mein kuch bhi upar na lagayein. Na koi jurmana, na kisi qism ka late charge: deri par paisa lagana chhote masle ko bara masla bana deta hai, aur jo aadmi hafte bhar mein Rs 4,000 la sakta tha wo aap ki dukan se katrane lagta hai. Qist waqt par na aaye to jawab baat cheet hai, hisab mein izafa nahin.

Farz karein aap ek purana fridge aath qiston par bechte hain

Jis ghar se fridge liya, wahan kitne ka paraRs 26,000

Gas, naya door seal, aur safai karane wale ki mazdooriRs 3,000

Cash rate jo aap ne tay kiya, qist ki baat se pehleRs 35,000

Ek baar ka munafa, plan banate waqt ek hi baar shamilRs 4,000

Qist wali qeemat, usi din tay aur phir kabhi tabdeel nahinRs 39,000

Fridge dukan se nikalne se pehle li gayi down paymentRs 10,000

Baqi raqam, aath mahinon par phaili huiRs 29,000

Har qist, har mahine wohi ek raqamRs 3,625

Chauthe mahine ke aakhir tak haath mein: down payment aur chaar qisteinRs 24,500

Chauthe mahine mein kisi aur ke kitchen mein para huaRs 14,500

Yeh farzi raqmein sirf shakal samjhane ke liye hain. Apni cheez ko inhi lainon se guzarein, jawab paanch minute mein saaf ho jata hai.

Is hisab ki aakhri line do baar parhein. Plan bilkul tay shuda tareeqe se chal raha ho, phir bhi chauthe mahine tak aap ka bara hissa bahar hi hota hai. Yehi number batata hai ke aap ek waqt mein kitni purani cheezein qist par de sakte hain.

Cheez ki halat likh kar dein, zubani nahin

Yehi naye aur purane plan ka asal farq hai, aur is mein chaar minute lagte hain.

Fridge rehri par charhne se pehle aap dono uske saamne khare ho kar ek list banayein. Dayein darwaze ka pichka hua hissa. Ghayab anda tray. Upar wali plate par khraash. Compressor do saal pehle badla gaya tha. Thanda acha karta hai. Andar ka bulb nahin jalta. Yeh sab parh kar sunayein aur usay kehne dein ke koi cheez reh to nahin gayi. Phir kharabiyon samet tasveerein le lein, uske saamne.

Yeh badgumani nahin hai, aur khule aam karein to kisi ko badgumani lagti bhi nahin. Yeh doosre mahine ka wo jumla khatam kar deti hai jo har dukandar sun chuka hai: "yeh to pehle se kharab tha."

Purani cheez dukan se nikalne se pehle yeh sab likh lein

• Cheez ka naam, uski umar, aur wo aayi kahan se
• Har nazar aane wali kharabi: pichka hua hissa, khraash, ghayab purza
• Kya chal raha hai aur kya nahin, uske saamne parh kar sunayein
• Chaar paanch tasveerein, kharabiyon samet, dukan hi mein li hui
• Cash rate aur qist wali qeemat, do alag alag numbers ki tarah
• Checking ke dinon ki tadaad, aur us mein shamil kya kya hai
• Tareekh, dono ke dastkhat, aur ek nakal ya tasveer uske liye

Ab wada. Purani machine par thora sa aur saaf wada narm baat se hamesha behtar hai. "Saat din. Saat din ke andar thanda karna band kar de to wapas laayein, main ya to theek karwaunga ya down payment lauta dunga." Yeh wada aap nibha sakte hain. "Fikar na karein, main dekh lunga" wo wada hai jo aap nibha nahin sakte, kyunke aap ne kabhi bataya hi nahin ke kitne din aur kis cheez ka. Agar compressor ki zimmedari nahin le sakte to saaf keh dein, usi list ke saamne.

Bari down payment hi asli hifazat hai

Baqi sab baatein madad karti hain. Faisla down payment karti hai.

Jis customer ka apna paisa cheez ke andar laga hua ho wo plan poora karta hai. Chhathe mahine wo aap par ehsan nahin kar raha hota, wo apne lage hue Rs 10,000 bacha raha hota hai. Shuru mein kam lein to aap ne machine de di aur badle mein sirf ek wada rakh liya.

Naye maal par qeemat ka paanchwan hissa aksar kafi hota hai. Purani cheez par is se zyada lein: chauthai se tehai tak theek hai, aur jo cheez bijli par chalti ho aur ek zindagi guzar chuki ho, us par tehai lena laalach nahin.

Ek aur wajah bhi hai. Purani cheez ki qeemat plan ke shuru hi mein sab se tezi se girti hai. Rs 35,000 ke fridge par Rs 10,000 down lein to jo raqam uske zimme baqi hai wo us qeemat ke qareeb rehti hai jo machine wapas aa kar de sakti hai. Rs 3,000 down lein to doosre mahine hi aap ghatte mein hain, aur plan ussi waqt tootte hain.

Agar wo aaj down payment na nikal sake to yeh inkar nahin, ek khabar hai. Advance le kar cheez rok lena purani cheez par bhi utna hi chalta hai: teen hafte cheez alag rakh dein aur wo har hafte Rs 3,000 lata rahe. Jo aadmi yeh kar leta hai wo aath qistein bhi de dega. Aur agar wahi uski aakhri hadd hai to down payment ghatane ke bajaye zamin maangein.

Plan cheez ki umar se chhota rakhein

Jis purane fridge mein kuch hi ache saal bache hon, wo do saal ke plan par nahin jana chahiye.

Purani cheez ka plan zyada kheenchein to is saude ki sab se buri shakal saamne aati hai. Unniswan mahina aata hai, machine kab ki band ho chuki hai, aur wo abhi tak aap ko paise de raha hai. Us behes mein koi nahin jeetta, aur usay dhoka mehsoos hota hai chahe hua na ho.

Wohi qist plan, naye maal par aur purani cheez par

Nayi cheezPurani cheez

Peeche kaun khara haiNayi cheezCompany, dabbe mein card ke saathPurani cheezSirf aap, aur koi nahin

Qeemat kahan se shuru hoti haiNayi cheezChhapa hua rate jo poori gali jaanti haiPurani cheezCash rate jo aap ko khud banana parta hai

Down payment kitni leni chahiyeNayi cheezQeemat ka paanchwan hissa aksar kafi haiPurani cheezChauthai se tehai tak, is se kam kabhi nahin

Plan kitna lamba mehfooz haiNayi cheezBarah se atharah mahine aam baat haiPurani cheezChhe se das mahine, zyada se zyada barah

Kaghaz par kya kya hona chahiyeNayi cheezModel, qeemat, down payment, qiston ki tareekheinPurani cheezYeh sab, aur saath kharabiyan, tasveerein aur checking ke din

Beech plan mein kharab ho jaye toNayi cheezCompany ka aadmi aata hai aur theek kar deta haiPurani cheezBaat aap ke counter par aati hai, jawab bhi aap ka

Plan beech mein toot jaye toNayi cheezWapas aa kar dobara bik sakti haiPurani cheezAadhi qiston wali machine aur purani, aur kam qeemat ki

Saada usool yeh hai: plan us se kaafi pehle khatam hona chahiye jab cheez ko bari marammat darkar ho. Purane bijli ke saman par chhe se das mahine, kisi bare aur mazboot saman par zyada se zyada barah. Agar mahine wali raqam itne mahinon mein na baithe to usay lamba plan nahin, sasti cheez chahiye.

Chhote plan aap ki us cheez ki bhi hifazat karte hain jo sab se kam hai, yani cash. Aath mahine Rs 3,625 ke hisab se aap ke Rs 35,000 usi saal ke andar wapas le aate hain. Chobees chhoti qistein ka matlab hai ke ek fridge ne do saal aap ka kharidari wala paisa kha liya.

Teesre mahine mein cheez band ho jaye to

Raat ke pone aath baje Nadeem phir counter par hai, aur is baar wo muskura nahin raha. Fridge itwar se thanda karna chhor chuka hai. Teen qistein wo de chuka hai, Rs 18,125 abhi baqi hain, aur wo poochta hai ke ab aap kya karenge.

Poore karobar ki sab se mushkil baat cheet yehi hai.

Sab se pehle, plan par behes na karein. Masla plan nahin, machine hai. List aur tasveerein nikalein, dono mil kar dekhein, phir khud ja kar fridge dekhein.

Phir uske saamne asli raste rakhein, saaf zubani. Apne kharche par marammat karwayein aur ek mahine qist rok dein. Aadhe kharche par marammat karwayein aur baqi aakhir mein le lein. Koi doosri purani machine badal kar dein aur baqi raqam farq ke hisab se theek karein. Ya, agar machine khatam hai, plan band karein, istemal shuda mahinon ka insaf se hisab lagayein, aur bacha hua paisa dukan ki kisi aur cheez mein daal dein.

In mein se koi bhi qanoon mein likha nahin hai. Lekin har ek customer ko bacha leta hai.

Jo aap ko hargiz nahin karna wo dhamki hai. Na cheekhna, na yeh kehna ke ghar aadmi bhej dunga, na museebat ke naam par kuch upar lagana. Dhamki ek marey hue fridge wale aadmi ko aisa aadmi bana deti hai jo kabhi paisa nahin dega aur poori gali ko wajah bhi sunayega.

Isay theek nibhayein to Nadeem apne cousin ko batata hai, cousin apne behnoi ko lata hai, aur us gali ke agle paanch plan aap ke counter se shuru hote hain.

Plan aisi jagah rakhein jahan dono dekh sakein

Purani cheez ke plan par naye se zyada baatein likhi jati hain, is liye usay ek theek thak kaghaz chahiye.

Us kaghaz par cash rate aur qist wali qeemat do alag numbers ki tarah hon, beech mein ek baar wala munafa, down payment apni tareekh ke saath, kaunsi qist kab, halat wali list, tasveerein, checking ke din, aur zamin agar koi hai. Register ka ek lakeer wala safha, jis par dono ke dastkhat hon, yeh poora kaam kar deta hai.

Wasoolo ka qist khata bhi yehi safha rakhta hai: cash rate, ek baar ka munafa, down payment aur poori qiston ki fehrist, taake jo total customer ne maana wo pehle din se dono ke saamne tay ho. Halat ki tasveerein aur zamin ki tafseel usi plan par baith jati hain, aur alag customer wali app se Nadeem apne login mein wohi fehrist dekh leta hai, jis se "mujhe to saat mahine kahe the" wali behes hi khatam ho jati hai. Der ka koi paisa wahan kisi par nahin lagta, aur lagna bhi nahin chahiye.

Register ho ya app, imtihan ek hi hai. Ek saal baad kya aap dono ek hi kaghaz se ek hi number parh kar ittefaq kar sakte hain? Plan shuru mein dhyan se banayein to yeh nobat kam hi aati hai.

Aam sawalat

Purani cheez ke plan par upar kitna rakhna chahiye?

Koi tay number nahin, kyunke aap apne khatre ki qeemat laga rahe hain. Dekhein ke paisa kitna arsa banda rahega, marammat ki kitni tawaqqo hai, aur plan beech mein rukne par kitna doobega. Us sab ko ek hi raqam banayein, shuru mein cash rate par jama karein, aur phir kabhi na chhuein.

Purani cheez par koi guarantee deni chahiye?

Lambi chauri ke bajaye chhoti aur saaf dein. Thanda karne ke saat din, motor ke tees din, rang par kuch nahin. Chhota wada jo aap nibha lein us bare wade se behtar hai jis par baad mein behes ho. Yeh muddat aur us mein kya shamil hai, qeemat ke saath hi likh dein.

Purani cheez par down payment kitni honi chahiye?

Cash rate ka chauthai se tehai tak rakhein, yani naye maal se zyada. Jis customer ka apna paisa cheez ke andar ho wo plan poora karta hai, aur bari pehli adaigi uske zimme baqi raqam ko cheez ki qeemat se neeche rakhti hai.

Teesre mahine cheez kharab ho gayi, kya baqi qistein leta rahoon?

Aise nahin jaise kuch hua hi na ho. Halat wali list dekhein, machine khud dekhein, aur asli raste saamne rakhein: apne kharche par marammat aur qist rok dena, aadhe kharche par marammat, doosri cheez se badal dena, ya plan band kar ke istemal shuda mahinon ka hisab. Jo tay ho, naye number likh lein.

Wo paisa dena band kar de aur cheez bhi wapas na kare to?

Sab se pehle mil kar baat karein, kyunke ruke hue plan aksar paise ka masla hote hain, faisla nahin. Kuch na milne se behtar hai chhoti qist zyada mahinon par kar dein. Zamin liya tha to mauqa yehi hai.

Kya purani cheez qist par dena is jhanjhat ke laiq hai?

Zyadatar dukanon ke liye haan, bashart ke qeemat aur kaghaz durust hon. Jo maal peeche para rehta wo bik jata hai, aur wo customer bhi bikri deta hai jo nayi qeemat tak pohanch hi nahin sakta.