Qist plan kaise banayein, bina sood ke

Qist plan ek bari raqam ko chhoti tareekhon mein baant dena hai. Cash price tay karein, markup plan se pehle ek hi baar lagayein, down payment lein, aur baqi raqam mahine ke ek din par barabar qiston mein baant dein. Schedule aisi jagah likhein jahan dono parh sakein. Der hone par upar se kuch na jorein.

Qist plan kab theek hai, aur kab nahin

Bahar se dekhein to aam udhaar aur qist plan ek jaise lagte hain. Dono mein paisa aap ki jeb se nikal chuka hai aur wapas nahin aaya. Lekin dono chalte bilkul alag tarah se hain.

Udhaar chhoti aur jaldi wali cheezon ka hai: mangal ko Rs 900 ka rashan, tankhwah wale din khatam. Is mein schedule ki zaroorat hi nahin hoti. Dukan ka yeh hissa saaf rakhna hai to udhaar wapas lene ka tarika parh lein, kaam ka bara hissa wahin ho jata hai.

Qist plan us ek bari cheez ke liye hai jo mehnat karne wala banda waqai ek subah mein nahin khareed sakta. Fridge. Silai machine. Us larke ke liye cycle jise teen gaon door naukri mil gayi hai. Raqam itni bari hai ke "jab paise aa jayenge" ka koi matlab nahin banta.

Aasan sa imtihan yeh hai. Khud se poochein: kya yeh banda apni aam aamdani se ek mahine mein poora kar lega? Agar haan, to yeh udhaar hai, aur is par schedule banana sirf kaghaz barhana hai. Agar nahin, to udhaar ko khench kar is par mat chipkayein. Ise tareekhon wala plan bana dein, kyunki jis raqam ki koi aakhri line nahin hoti, wohi raqam kharab hoti hai.

Aam udhaar ya qist plan?

Aam udhaarQist plan

Kis ke liye theek haiAam udhaarRozmarra ki chhoti khareedari, Rs 500 se Rs 5,000Qist planEk bari cheez jo aaj cash mein nahin le sakta

Kitna arsa chalta haiAam udhaarAgli tankhwah ya fasal takQist planTeen se baara mahine, shuru mein hi tay

QeematAam udhaarBilkul cash price, upar kuch nahinQist planCash price aur ek dafa ka markup

Kya likha jata haiAam udhaarRaqam, tareekh, chalta hua balanceQist planPoora schedule, har qist ki tareekh ke sath

Adaigi late ho jaye toAam udhaarYaad dilayein, nayi tareekh tay kareinQist planYaad dilayein, nayi tareekh, koi charge nahin

Imran Sahiwal ki ek chhoti si sarak par electronics ka kaam karta hai. Do saal tak woh bari cheezein "bharose par" deta raha, yani Rs 30,000 ka fridge dukan se nikal jata tha aur likha sirf ek naam aur phone number hota tha. Kuch paise chaar mahine mein aa gaye. Do bande kabhi wapas nahin aaye. Ab woh Rs 15,000 se upar ki koi cheez bina plan ke nahin deta. Uske mutabiq ajeeb baat yeh hai ke customer is se khush hote hain, naraz nahin. Plan bande ko saaf bata deta hai ke agle chhe mahine uski jeb par kitna bojh rahega.

Tareekhein baad mein, qeemat pehle

Ghalti aksar yahin hoti hai, is liye yeh hissa aaram se parhein.

Qist par lene wala banda cash wale se zyada deta hai. Yeh normal hai aur poora bazaar janta hai. Aap ka paisa chhe minute ki jagah chhe mahine ke liye phans jata hai, aur is beech ka risk bhi aap ka hota hai. Iska insaf wala tarika ek hi hai: ek dafa ka markup, jo plan banate waqt tay hota hai.

"Ek dafa" ka matlab bilkul wohi hai jo sunai de raha hai. Cash price dekhein, us par ek baar percentage lagayein, aur jo number bana woh qist wali qeemat hai. Ab yeh number jam gaya. Har mahine nahin barhega. Der hone par nahin barhega. Yeh qeemat hai, koi chalta hua charge nahin, aur plan shuru hone ke baad ise hilaya nahin ja sakta.

Yeh baat counter par saaf lafzon mein keh dein, kyunki jis customer ko number samajh aa jaye woh baad mein behes nahin karta:

"Saleem bhai, cash mein yeh Rs 36,000 ka hai. Qist par Rs 39,600 banega, chhe mahine ke liye. Yeh Rs 3,600 ab pakka hai, aage kuch nahin barhega."

Farz karein: Rs 36,000 ka fridge, chhe mahine ka plan

Cash price, agar aaj poora de deRs 36,000

Ek dafa ka markup, 10%, sirf shuru meinRs 3,600

Qist wali qeemat, poore plan ke liye pakkiRs 39,600

Pehle din ki down paymentRs 9,600

Down payment ke baad baqi raqamRs 30,000

Chhe barabar qistein, har ekRs 5,000

Kul raqam, pehle din se aakhri din takRs 39,600

Yeh sirf ek misal hai, kisi dukan ka asal data nahin. Markup yahan sirf ek baar laga hai, aur qist late hone par kuch bhi nahin jurta.

Do usool is hisab ko saaf rakhte hain. Pehla: cash price bhi zaroor bata dein, chahe woh de nahin raha. Jis bande ko cash price baad mein kisi doosri dukan se pata chale, usay dhoka mehsoos hota hai, chahe aap ne kiya kuch bhi na ho. Doosra: markup sab ke liye ek jaisa rakhein. Jis din aap ka percentage bande ki majboori dekh kar badalne laga, us din aap dukan nahin chala rahe, aur chhoti sarak par baat bohot tezi se phailti hai.

Kitna rakhein? Yeh faisla aap ka hai. Yeh aap ke apne paise ki lagat aur apne risk se nikalna chahiye, kisi chai wali baithak mein suni hui percentage se nahin.

Down payment teen kaam karti hai

Pehle din paisa zaroor lein. Har baar.

Pehla faida saaf hai: dukan se bahar para hua paisa kam ho jata hai. Doosra faida khamosh hai lekin bara hai. Jis bande ne fridge mein apne Rs 9,600 daal diye, woh fridge ka malik ban kar sochta hai. Jisne kuch bhi nahin diya, woh abhi tak yehi soch raha hota hai ke usay chahiye bhi ya nahin.

Teesra kaam hisab ka hai, aur is par kisi ka dhyan nahin jata. Down payment aisi rakhein ke bachi hui raqam poori poori qiston mein bant jaye. Upar wali misal mein Rs 9,600 dene ke baad theek Rs 30,000 bachte hain, yani chhe saaf qistein Rs 5,000 ki. Ab isay Rs 5,467 mahana wale ajeeb se number se mila kar dekhein. Gol numbers yaad reh jate hain, jaldi mein bhi theek gine jate hain, aur counter par kabhi behes shuru nahin karte.

Aam usool yeh rakhein: jaan pehchan wale customer se qist wali qeemat ka taqreeban chauthai hissa, aur naye bande se teesra hissa ya us se zyada. Aur agar koi bilkul kuch bhi nahin de sakta, to woh plan nahin hai, woh kaghaz ke sath diya gaya tohfa hai.

Kitni qistein, aur mahine ka kaun sa din

Do faisle, aur dono itne mushkil nahin jitne lagte hain.

Tadaad. Chhote plan poore hote hain, lambe plan mar jate hain. Dukan ki zyada tar cheezon ke liye teen se chhe mahine theek hain, aur motorcycle jaisi waqai bari cheez ke liye baara mahine aakhri hadd hai. Har extra mahina ek aur mahina hai jis mein naukri chhoot sakti hai ya ghar badal sakta hai. Koi banda plan atharah mahine tak khenchne ko kahe to matlab aksar yeh hota hai ke cheez uski hesiyat se mehngi hai. Usay chhota model dikha dein, sauda bhi rahega aur banda bhi.

Din. Ek tareekh pakki karein aur har mahine wohi rakhein. Aisi tareekh chunein jo uske paise aane ke thora baad aati ho. Tankhwah wale bande ko pehle hafte mein paisa milta hai, is liye 10 tareekh aaram deti hai. Sabzi bechne wale ke paas mandi wale dinon mein paisa hota hai. Kisan ke paas saal mein do baar paisa aata hai, is liye uska plan mahana nahin, bari aur kam qiston wala hona chahiye.

Aur ho sake to poori dukan ke liye ek hi din rakhein. Jab aap ke khate ke sare plan 10 tareekh par aate hain, to wasooli yaad rakhne wali cheez nahin rehti, karne wali cheez ban jati hai. Mahine mein ek subah, ek list, dopahar se pehle faarigh.

Schedule wahan likhein jahan dono parh sakein

Jo baat sirf do dimaghon mein hai, woh baat abhi tay hi nahin hui.

Plan do jagah likhein, ek copy uski aur ek aap ki, aur dono par yeh chhe cheezein ek jaisi honi chahiye: cheez ka naam, cash price, markup rupay mein, down payment, har qist ki raqam, aur har qist ki tareekh. "Mahana" likhna kafi nahin. Tareekhein poori poori likhein.

Wohi plan calendar par, har mahine ki 10 tareekh

1. 10 JuneDown payment, fridge ghar chala jata haiRs 9,600Ada
2. 10 JulyPehli qist, chhe mein seRs 5,000Ada
3. 10 AugustDoosri qist, chhe mein seRs 5,000Ada
4. 10 SeptemberRs 2,000 mile, baqi 24 tareekh par tayRs 3,000Thora ada
5. 10 OctoberChauthi qist, chhe mein seRs 5,000Baqi
6. 10 NovemberPaanchwin qist, chhe mein seRs 5,000Baqi
7. 10 DecemberAakhri qist, plan mukammalRs 5,000Baqi

Phir uski copy usi ke samne uske haath mein dein. Yeh chhoti si baat woh kaam kar deti hai jo dastakhat nahin kar sakte: is se pata chalta hai ke aap chahte hain woh aap ka hisab khud check kare, aur imandar dukandar ko yehi chahiye.

Yeh hissa copy se behtar phone par chalta hai, kyunki schedule adaigi ke sath khud update hota rehta hai aur balance raat nau baje ki ghatao par nahin chhorta. Digital khata poora plan rakh leta hai, har qist par ada ya baqi ka nishan lagata hai, aur aisi statement nikal deta hai jo banda ghar le ja sake. Kaam ka lage to khata aur qist wale tools dekh lein, aur ek dukan ke liye app free download hai.

Jis din qist reh jaye

Ab is poore mazmoon ka sab se ahem usool, aur wohi cheez jo aisi dukan ko, jahan log dobara aate hain, us dukan se alag karti hai jis se log katrate hain.

Der hone par kabhi kuch extra na lein. Na late fee. Na baqi raqam par sood. Na Rs 100, na "chalo Rs 50 hi de dena". Bilkul kuch nahin.

Yeh sirf sahi aur ghalat ki baat nahin, halanke woh bhi hai. Yeh us baat ki hai ke paisa asal mein wapas kaise aata hai. Us bande ko sochein jiski 10 tareekh nikal gayi. Usay pehle se pata hai, poora hafta aap ka khayal uske dimagh mein raha hai. Ab agar us tareekh nikalne se uske total mein Rs 200 aur jur gaye, to balance saza ban gaya, aur saza paya hua banda ek hi kaam karta hai: woh aap ki dukan ke samne se guzarna chhor deta hai. Aap ne jo der sanbhal sakte the, usay us ghaib mein badal diya jo sanbhalta hi nahin.

Late hona ek halat hai, kharcha nahin. Iska sirf itna kaam hai ke aaj kis ko call karna hai, yeh bata de.

Jis din qist reh jaye

✓Is se plan chalta rehta hai

• Usi shaam thande lehje mein call karein
• Aaj jo hissa de sakta hai, le lein
• Nayi tareekh zubani tay karein
• Nayi tareekh dono copies par likhein
• Total bilkul wohi rakhein

✕Is se plan mar jata hai

• Late fee ya koi extra charge lagana
• Beech plan mein markup barha dena
• Ghar walon ya doston ke samne poochna
• Do mahine chup, phir ek dam ghussa
• Baat kiye baghair cheez wapas utha lena

Farah silai ki dukan chalati hain aur machinein chhe mahine ke plan par deti hain. Un ka customer Zubair September wali Rs 5,000 ki qist nahin de saka. Unhon ne usi shaam call kiya, is se pehle ke sharmindagi jam jati, aur ek seedha sawal poocha: "Zubair bhai, aaj kitna ho sakta hai?" Usi raat Rs 2,000 aa gaye. Baqi Rs 3,000 ke liye 24 tareekh tay hui, unhon ne nayi tareekh dono copies par likh di, aur October wali qist apni jagah par hi rahi.

Plan ka total kabhi hila nahin. Pehle din Rs 39,600, aakhir mein bhi Rs 39,600. Zubair ne December mein machine poori kar li, aur us ke baad har mahine dhaga bhi unhi se leta raha.

Zamin kab maangein

Zamin maangna gali nahin hai, aur ise gali ki tarah pesh bhi nahin karna chahiye. Baray plan par yeh normal baat hai, aur sauda mana kar dene se kahin behtar hai.

Zamin tab maangein jab raqam itni bari ho ke ghayab ho jane par aap ko takleef ho, ya customer gali mein naya ho, ya uska kaam usay jagah jagah ghumata ho. Das saal purane customer se Rs 12,000 ke plan par zamin mat maangein. Purana customer isi tarah hath se jata hai.

Taluq saaf rakhne ka ek hi usool hai: zamin ko numbers aap se sunne chahiye, shuru mein, apne kaanon se. Poora total, qist ki raqam, sari tareekhein, aur yeh bhi ke masla banne par aap us se kya kahenge. Phir uska naam aur phone number schedule ki dono copies par likh dein.

Ghalat tarika wohi hai jo aam hai: naam kahin likh liya, kabhi baat nahin ki, aur paanchwein mahine ek ghusse wali call jis mein bande ko bataya jata hai ke uske zimme Rs 20,000 hain jin ka usay pata hi nahin tha. Woh ek call do taluq ek sath khatam kar deti hai. Jis zamin ko pehle din sab kuch bata diya gaya ho, woh aksar aap ka behtareen wasooli wala banda ban jata hai, kyunki woh khud hi customer ko aap se pehle phone kar leta hai.

Aam sawal

Qist plan ka markup aur sood ek hi cheez hain?

Nahin, farq waqt ka hai. Markup ek qeemat hai jo plan shuru hone se pehle ek baar tay hoti hai, aur phir paisa chahe jitni der mein aaye, woh number hilta nahin. Sood waqt ke sath barhta hai aur der hone par aur barh jata hai. Agar aap ka extra charge kisi tareekh par depend karta hai, to woh markup rehta hi nahin.

Customer poora plan pehle khatam karna chahe to?

Le lein aur shukriya kehein. Qeemat shuru mein tay ho chuki thi, is liye woh baqi qistein de deta hai aur plan band ho jata hai. Jaldi khatam karne par kuch extra hargiz na jorein. Jaldi aane wala paisa achha paisa hai.

Down payment kitni maangni chahiye?

Jaan pehchan wale se qist wali qeemat ka taqreeban chauthai hissa, aur naye bande se teesra hissa ya us se zyada. Phir is number ko thora upar neeche kar lein taake bachi hui raqam gol qiston mein bant jaye. Gol numbers behes rokte hain aur dono ke liye ginna aasan hota hai.

Customer teen qistein lagatar chhor chuka hai. Ab kya karein?

Message bhejna band karein aur us ke paas ja kar baithein. Uski zindagi mein kuch badla hai aur aap ko woh jaanna hai. Plan dobara us hisab se banayein jo woh ab waqai de sakta hai, chahe qistein chhoti ho jayein. Aahista poora hone wala plan us balance se behtar hai jo hilta hi nahin.

Paisa na de sake to cheez wapas le lein?

Sirf aakhri qadam ke tor par, aur kabhi achanak nahin. Istemal shuda fridge us baqi raqam se kahin kam ka reh jata hai, is liye cheez wapas lene mein aksar dono ka nuqsan hota hai. Pehle baat karein, do baar tareekh badlein, aur ise wohi jagah samjhein jahan nuqsan pehle hi ho chuka hai.

Kya mera munshi mere baghair qist plan bana sakta hai?

Pehle usool likh lein: zyada se zyada plan kitna bara, aap ka standard markup, kam se kam down payment, aur zamin kab lazmi hai. Ek baar likh dein, kaafi hai. Agar staff ke apne logins hain to har plan par banane wale ka naam mojood rehta hai, aur chauthe mahine ka sawal "kis ne banaya tha?" se shuru nahin hota.

Doosre dukandar paise wale masle kaise hal karte hain, yeh dekhna ho to Wasoolo blog par aur bhi bohot kuch hai, aur plans wala safha bata deta hai ke dukan barhne par paid tiers mein kya milta hai.