Qist plan kitne arse ka rakhna chahiye

Arsa teen cheezon se tay karein: cheez kitne arse tak wapas lene ke qabil rahegi, ghar walon ke paas mahine mein sach much kitna bachta hai, aur aap apna paisa kitne arse tak bahar rakh sakte hain. Us number se nahin jo qist ko chhota dikhata hai. Plan ki qeemat pehle din tay hoti hai aur barhti nahin.

Arsa apne aap mein ek alag faisla hai

Zyada tar dukandar arsa soch kar tay hi nahin karte. Customer pankha uthata hai, poochta hai mahine ka kitna banega, aur jawab us number se ulta chal kar nikalta hai jo usay dara na de. Chhe mahine chupke se baara ho jate hain, kyunki baara sunne mein narm lagta hai.

Qist plan mein teen alag cheezein hoti hain: qeemat, jo shuru hone se pehle ek dafa tay hoti hai; qist kitne arse baad aati hai; aur kul kitni qisten hain. Teen alag handle, teen alag kaam.

Yahin baat gadd madd ho jati hai. Plan ki qeemat shuru mein tay hoti hai aur calendar ke sath barhti nahin. Dukandar jo markup lagata hai woh ek dafa ki raqam hai, plan banne wale din tay ho jati hai, aur wahi rehti hai chahe plan chhe mahine chale ya atthara. Lamba plan zyada wasool nahin karta. Wahi kul raqam, chhote tukron mein, zyada arse par phaili hui.

To arsa qeemat ka sawal hai hi nahin. Yeh khatre ka sawal hai, aur us cheez ka jo abhi aap ke haath se nikli hai.

Ek machine, ek tay shuda qeemat, teen arse

Machine ki cash qeematRs 24,000

Ek dafa ka markup, plan banne wale din tayRs 3,000

Plan ki qeemat, pehle din se jami huiRs 27,000

6 mahine mein taqseemRs 4,500 mahana

12 mahine mein taqseemRs 2,250 mahana

18 mahine mein taqseemRs 1,500 mahana

Teenon soorat mein aap ko milne wali kul raqamRs 27,000

Agar qeemat wali taraf par shak hai to qist plan kaise banayein markup, down payment aur tareekh, teenon par baat karta hai.

Chhota plan kya deta hai, lamba plan kya leta hai

Chhote plan ka matlab bari qist hai, is se bacha nahin ja sakta. Kamane wale ghar par Rs 4,500 mahana asli bojh hai, aur kisi ek tareekh par qist reh jane ka imkan Rs 1,500 ke muqable zyada hai. Badle mein raftaar milti hai. Paisa tab wapas aata hai jab sauda abhi yaad hai, kuch ghalat ho to cheez abhi tak nayi jaisi hai, aur atthara ke bajaye sirf chhe tareekhein dekhni parti hain.

Lamba plan ulta sauda hai, aur bara pur kashish hai. Qist ghar ke budget mein bina larai ke ghus jati hai, is liye zyada log haan kehte hain aur zyada maal dukan se nikalta hai. Is ki qeemat waqt hai, aur waqt hi woh jagah hai jahan sab kuch hota hai. Naukri chhoot jati hai. Ghar doosre shehar shift ho jata hai. Bhai ki shadi aa jati hai aur chaar mahine ka har fazil rupya wahan chala jata hai. Kisi ki zindagi ke chhe mahine par shart lagana chhoti baat hai. Atthara mahine bilkul doosri shart hai, aur woh aap kisi number par nahin, ek insan par laga rahe hain.

Wahi Rs 27,000 ki machine, 6 mahine aur 18 mahine ka farq

6 mahine ka plan18 mahine ka plan

Har qist6 mahine ka planRs 4,50018 mahine ka planRs 1,500

Kul wasooli6 mahine ka planRs 27,00018 mahine ka planRs 27,000

Aisi tareekhein jo miss ho sakti hain6 mahine ka plan618 mahine ka plan18

Aap ka paisa poora wapas6 mahine ka planAadhe saal mein18 mahine ka planDerh saal mein

Mahine jin mein zindagi badal sakti hai6 mahine ka plan618 mahine ka plan18

Aadhe plan par machine ki qeemat6 mahine ka planBaqi raqam ke qareeb qareeb18 mahine ka planBaqi raqam se kaafi kam

Pehla imtihan: plan cheez se lamba na ho

Yeh usool baqi sab se zyada plan tay karta hai, aur mushkil se koi ise zubaan par laata hai. Jab plan bigarta hai to aap ka aakhri sahara woh cheez khud hoti hai. Kaghaz nahin. Zamin ka phone number nahin. Woh cheez jo us ke ghar mein pari hai aur ab bhi kisi ke liye qeemat rakhti hai. Plan tab khatam hona chahiye jab cheez ki qeemat baqi raqam ke qareeb ho. Jis din baqi raqam cheez ki qeemat se barh gayi, us din aap ke haath mein kuch nahin.

Ek mehfooz hadd: koi plan cheez ki kaam ki umar ke aadhe se lamba na ho, aur jo cheez tezi se qeemat khoti hai us par is se bhi chhota. Chand misalein:

• Phone. Do teen saal ka asli kaam, aur istemal shuda phone ka rate shuru mein hi tezi se girta hai. Chhe mahine theek hain, das se baara aakhri hadd, aur atthara us waqt khatam hoga jab phone wapas lene ke qabil hi nahin raha.
• Pankha, cycle, chhota water pump. Paanch se aath saal ka kaam, aur qeemat khamoshi se qayam rehti hai. Baara mahine yahan aaram se bethte hain.
• Silai machine, fridge, cooler. Lambi umar aur istemal shuda rate bhi theek. Baara mahine aasan hain, aur atthara us ke liye jise aap barson se jaante hain.
• Kapre, bartan, gadda, ya koi bhi ghisne wali cheez. Dukan se nikalte hi qeemat qareeb qareeb khatam. Teen mahine aur zyada down payment, ya phir sada udhaar.

Ilyas ki mobile aur chhoti electronics ki dukan bazaar ke naake par hai. Subah nau baje, jab bazaar abhi khula hi hai, Rafiq apne bete ke liye phone lene aaya aur atthara mahine maange. Ilyas ne hisab zor se bola. Pandrahwin qist tak phone ghisa hua hoga, screen par nishan honge, aur qeemat baqi raqam ka mushkil se chautha hissa. Us ne do raaste diye: wohi phone das mahine par, pehle din Rs 4,000 ke sath, ya sasta model chhe mahine par. Rafiq sasta model le gaya, poora kiya, aur phir pankha lene wapas aaya.

Doosra imtihan: ghar mein sach much kitna bachta hai

Doosra imtihan number ka hai, wade ka nahin. Har customer sach bolta hai jab kehta hai ke woh sambhal lega, magar sambhal lene ka irada das tareekh ko paisa nahin deta. Is liye plan ke bajaye us ke mahine ke bare mein poochein. Kya aata hai aur kis din aata hai. Kya pehle se bandha hua hai: kiraya, school fees, bijli, rashan, aur woh raqam jo walidain ko jati hai. In sab ke baad jo bachta hai woh chhota sa number hai, aur poori baat cheet mein sirf wohi sach hai.

Woh number us se khud kehlwayein. Agar aap khud bata dein ge to woh lihaz mein haan kar dega, aur lihaz das tareekh ko kaam nahin aata. Phir qist us number se kam rakhein, barabar nahin. Jo plan ache mahine ki aakhri hadd par bana ho woh pehle mamooli mahine mein hi gir jata hai.

Ab hisab ulta karein. Down payment ke baad bachi raqam ko us qist se taqseem karein jo woh bina zor lagaye de sakta hai, mahine khud nikal aayenge. Yehi arsa us ki zindagi ijazat deti hai. Ise pehle imtihan ke samne rakhein. Agar yeh mahine us cheez ki umar se lambe hain to cheez us ke liye mehngi hai, aur koi schedule ise theek nahin karta. Chhota model dein, ya pehle din zyada lein. Shakl tay karne se pehle bari cheez udhaar par ya qist par parhne layaq hai.

Teesra imtihan: aap ka paisa kitne arse tak bahar rah sakta hai

Har chalta hua plan aap ka paisa hai jo kisi aur ke ghar mein para hai. Arsa tay karta hai ke woh wahan kitna theherega, aur wohi tay karta hai ke dukan ek waqt mein kitne plan utha sakti hai.

Farz karein aap Rs 90,000 apna paisa dukan se bahar bardasht kar sakte hain, aur har machine plan par Rs 18,000 baqi rakh kar nikalti hai. Paanch plan aur aap bhar gaye.

Chhe mahine ke plan par har plan Rs 3,000 mahana wapas karta hai, yani paanch plan se Rs 15,000 har mahine ghar aate hain. Saal bhar mein Rs 180,000, jo das aur machinein plan par dene ke liye kaafi hain, bina kisi se udhaar liye.

Wahi paanch plan atthara mahine par kar dein to har plan Rs 1,000 mahana deta hai. Rs 5,000 mahana, saal bhar mein Rs 60,000, taqreeban teen machinein. Wohi dukan, wohi Rs 90,000, har plan par wohi kul wasooli. Sirf arsa badla, aur dukan teesra hissa reh gayi.

Nasreen bazaar ke sath wali gali mein silai machinein bechti aur theek karti hai. Shaam saat baje, shutter girane se pehle, woh chalte hue plan ginti hai, kyunki wohi ginti tay karti hai ke subah woh kis ko haan keh sakti hai. Us ki hadd chhe hai. Saatwan customer aaye to woh mana nahin karti, chaar mahine ka plan bari pehli qist ke sath deti hai, aur agar woh bhi na uthe to number likh leti hai aur jis din koi plan band hota hai usi din phone karti hai.

Jaal: qist chhoti dikhane ke liye plan lamba karna

Customer Rs 4,500 sun kar hichkichata hai. Aap narmi wali baat kehte hain, ke atthara mahine kar dete hain to sirf Rs 1,500 banega, aur us ka saans wapas aa jata hai. Ab dekhein aap ne asal mein kiya kya.

Aap ne usay chhe ke bajaye atthara tareekhein de dein, aur atthara mauke ke koi bura mahina kisi tareekh par aa gire. Apne liye nauwein mahine wali baat cheet bhi kharid li, us machine ke bare mein jis par usay chauthe mahine hi fakhr hona band ho gaya tha. Us ki zindagi mein kuch aasan nahin hua. Plan sirf lamba ho gaya.

Andar ka saaf hisab yeh hai: jis ghar mein ache mahine Rs 4,500 nahin nikalte, wahan bure mahine Rs 1,500 bhi nahin nikalte. Masla tang mahine hain, qist ka size nahin, aur mahine barhane se sirf tang mahine barhte hain.

Jab counter par qist bhaari lage

✓Yeh kahein

• 6 mahine, har mahine Rs 4,500. Kul Rs 27,000, aur yeh kabhi nahin badlega.
• Agar Rs 4,500 bhaari hai to pehle din zyada le aayein, qist kam ho jayegi aur mahine barhane ki zaroorat nahin.
• Chhota model 6 mahine mein poora ho jayega. Cheez nayi rahegi aur poori tarah aap ki ho gi.
• Bata dein kiraya aur school fees ke baad mahine mein kya bachta hai. Qist usi se kam rakhein ge.

✕Yeh na kahein

• 18 mahine kar lein, sirf Rs 1,500 mahana banta hai.
• Jab ho sake de dena, koi tareekh pakki nahin.
• Aakhri kuch qisten baad mein dekh lein ge.
• Aap acha customer lagte hain, down payment ki fikar na karein.

Behtar raaste jab qist bhaari lage: pehle din zyada lein, ek darja neeche wala model dein, ya cheez rok kar advance lete jayein. In teenon mein sab se kam takleef deh bari cheez par advance kaise lein wala tarika hai. Aur jab koi tareekh khali guzar jaye to jawab kabhi upar se koi charge nahin, usi shaam ka phone hai. Qist waqt par na mile to mein poori baat likhi hai.

Down payment plan ko muft mein chhota kar deti hai

Plan ki sab se sasti hifazat pehle din haath mein aaya paisa hai. Us din liya gaya har rupya woh rupya hai jise kisi tareekh par wasool karne ki zaroorat hi nahin.

Wohi Rs 27,000 ka plan lein. Pehle din kuch na lein to baara mahine Rs 2,250 ke. Rs 5,400 pehle le lein to Rs 21,600 bachte hain, yani baara mahine Rs 1,800 ke, ya nau mahine Rs 2,400 ke. Doosri soorat kaam ki hai: qist taqreeban wohi jo us ne maangi thi, aur plan teen mahine chhota. Na koi bahes hui, na kisi ne zyada diya.

Ek kaam yeh hisab se bahar ka bhi karti hai. Jis shakhs ne apne Rs 5,400 machine mein daale hain woh malik ki tarah pesh aata hai. Jis ne kuch nahin diya woh abhi tak aadha faisla kar raha hai. Aur jab waqai lamba plan hi theek ho, to bari pehli qist hi usay mehfooz banati hai, is baat ke sath ke zamin kab lena chahiye.

Arsa likh dein, phir kabhi bahes nahin hogi

Jo agreement do yaadon mein rehta hai woh agreement nahin. Woh do alag kahaniyan hain jo kisi bure mahine ka intezar kar rahi hain.

Do dafa likhein, ek copy us ki ek aap ki, dono par wohi saat cheezein. Phir aakhri tareekh us ke samne bol kar parhein. Jis din us ki aakhri qist girti hai, wohi jumla har aane wali bahes khatam kar deta hai.

Pehli qist se pehle arsa kaghaz par tay kar lein

• Cheez aur us ka model, poora likha hua
• Cash qeemat, taake usay kisi doosri dukan se pata na chale
• Ek dafa ka markup rupay mein, aur us se banti plan qeemat
• Pehle din us ne kitna diya
• Kitni qisten hain aur har ek kitne ki hai
• Har tareekh, aur aakhri tareekh ke gird gola
• Ek copy us ki, ek aap ki, dono bilkul aik jaisi

Yahin phone register se aage nikal jata hai, kyunki plan tareekhon ki list hai aur register ginti nahin karta. Wasoolo mein qist khata apna schedule khud rakhta hai, har tareekh aur har raqam, adaigi hote hi paid ka nishan aur reh jane par baqi ka. Plan kholein aur saaf dikh jata hai ke kisi aur ki zindagi ke kitne mahine abhi aap ke paas pare hain. Customer ke liye statement aap ki apni dukan ke naam se nikalta hai, is liye dono copyan kabhi alag nahin hoteen.

Yehi cheez teesre imtihan ko qabil e istemal banati hai. Jab sab plan ek jagah hon to dukan se bahar kitna para hai, woh number Wasoolo dikha deta hai, aap ko andaza nahin lagana parta.

Aam sawalat

Qist plan zyada se zyada kitne arse ka hona chahiye?

Dukan ke zyada tar maal ke liye baara mahine kaafi hain. Atthara sirf us cheez ke liye jis ki umar lambi ho, aur us customer ke liye jise aap barson se jaante hain. Us se aage cheez ghis jati hai aur baqi raqam khari rehti hai.

Plan lamba ho to kya qeemat zyada honi chahiye?

Nahin. Markup ek dafa ki raqam hai jo plan banate waqt tay hoti hai, aur calendar ke sath hilti nahin. Atthara mahine wahi wasool karte hain jo chhe mahine karte hain. Arsa aap ka khatra badalta hai, qeemat kabhi nahin.

Customer chhoti qist maangta hai, kya mahine barha dun?

Pehle din zyada maangein, ya ek darja neeche wala model dein. Mahine barhane se bojh us ki jeb par bohat lambe arse tak rehta hai aur ghalat hone wali tareekhein dugni ho jati hain.

Jo plan chal raha ho usay chhota kiya ja sakta hai?

Sirf tab jab woh razi ho aur us ke paise waqai behtar ho gaye hon. Kisi ko dabane ke liye schedule dobara na kaatein. Woh jaldi khatam karna chahe to khushi se lein, aur wohi kul raqam par plan band karein.

Naye customer ka pehla plan kitna lamba hona chahiye?

Chhota, aur pehle din zyada le kar. Chhe mahine aur teesra hissa down payment doosri qist tak hi sab bata deta hai. Agar woh theek nikle to us ka agla plan lamba ho sakta hai.

Cheez ki umar lambi hai lekin us ka mahina tang hai, to kya karein?

To maal theek hai aur masla sirf arsa hai. Bari pehli qist lein, ya cheez rok lein jab tak woh zyada na laa sake. Jo plan woh utha na sake woh paisa aur customer dono khota hai.