isithakazelo Jikelele wesikweletu ezijikelezayo (ikhomishini) kanye zenzalo

Ezikhanyisayo credit isithakazelo futhi sifana isithakazelo ngesikhathi inqolobane. Kuvamile ukubala e nsuku zonke zisebenzisa ibhalansi kusukela ngosuku olulandela usuku lokuvala of the ikhadi kuze ngenyanga elandelayo usuku lokukhokha, imali osikweleta okungukuthi, phakathi nenkathi eyiminyaka ezikhanyisayo credit isithakazelo. Ngokuhamba izinga ikhomishana ukusebenzisa imali esele, inani lemali iphindwe izinsuku ezingu-30 imali ebalwe ku ngayinye diem ezingu-365, kuyoba inzalo njalo ngenyanga. Izinkampani eziningi ikhadi ziye ibalwa isithakazelo akhelwe credit ngale ndlela.

 

 

 

izinga langempela yonyaka ka-15% of the wamanje intengo emakethe
Isilinganiso sekhomishini, kodwa kuze kwesigamu kowezi-2000 yesibili kwakuhlukile ngoba wekhadi ngamunye, sekuyibhizinisi ohlangothini-by-side futhi real inani lenzalo yonyaka kuyinto 15% . Yini ubizwa ngokuthi uNdunankulu ikhadi bese Igolide ikhadi, owawungumnyaka ukwandisa imali yonyaka bekulokhu izilungiselelo ephansi, ezifana 11% noma 13%. Ngenxa

 

15% kuyinto inani lenzalo nesithakazelo isicelo usesimweni wasala ukuboleka imali unyaka owodwa. Ukuthenga izinto 10,000 yen, ikhomishini izinga isicelo ngesikhathi ukukhokha inani lemali emva konyaka kuyoba 15%. Uma ezikhokhelwayo ngemuva kwezinyanga eziyisithupha, 7.5% kwesigamu 15% kuyoba izinga ikhomishana. Futhi uye kulesi sibalo, lo ngenyanga, inani lenzalo kuyoba yokuthi 1.25%.

 

ukuthenga 10,000 yen izimpahla 15% udumo ezikhanyisayo, futhi ukuba abuyisele emva 1 inyanga, 1 kuya 10,000 yen. 125 yen siphindwe angu-25 kuba inzalo, lemali lokukhokha kuyoba 10.125 yen. Khokhela kuphela 125 yen kwezinhloso zenzuzo, kuba ukuthi beze ukuboleka 10,000 yen imali. credit ezijikelezayo kuthiwa indlela yokukhokha kakhulu kakhulu elula ngomqondo ethi.

 

njengoba ikhomishini ukubala usuku indlela yokukhokha isibonelo
nyangazonke izinsuku ezingu-10, uma ubhalisele credit ezikhanyisayo at 10,000 yen, isibonelo, une shopping 30,000 yen ngoJulayi 15. inani lenzalo yonyaka ibalwa 15%, ngo-August izinsuku ezingu-10 kusukela osukwini okuphume ngalo inkokhelo yokuqala, abangaphezu kuka-15% kuya ku-30,000 yen, iphindwe izinsuku 26 kwinani ehlukaniswa izinsuku ezingu-365 futhi kuyoba yen 320, 10,000 320 yen uyokhokha.

 

oyinhloko kwehliselwe ku yen 20,000. Ngenyanga elandelayo ka-September 10, zihlukaniswe izinsuku ezingu-365 iphindwe 15% kuya ku-yen 20,000, uzokhokha 10,000 254 yen plus 254 yen isithakazelo iphindwe izinsuku ezingu-31. Ngokufanayo, uma ukubala okwesithathu, kuyoba 10.123 yen. Inkokhelo Imininingwane 30,000 697 yen, isithakazelo kuyoba 697 yen.

 

Isikweletu ezikhanyisayo ibhekene okungukuthi, abangamakhulu ezinkulungwane eziningana yen noma ngaphezulu izinto ezinkulu-ithikithi, kunjalo ukuthi ufuna ukuthenga uhlala amashumi ezinkulungwane yen yokukhokha lwenyanga. Kulezi zimo, ongaphakeme senzalo credit card kuthiwa ezisizayo. Uma imali yonyaka yen 10,000 noma ngaphezulu ekhadini Premier, imali yonyaka kuzothatha isikhathi esingakanani, kodwa zenzalo ziye igcinwe ongaphakeme. Mayelana 11% iyona yonyaka lenzalo kaNdunakulu ikhadi ejwayelekile.

 

Ezihlobene | ukubala indlela wesikweletu ezijikelezayo, ikhadi sekulingisa

 

 

Imali yonyaka ukuze amadili ngisho imali nandaba kuyinto 10,000 yen, izinga nokwehlisa amaphuzu kusuka 1% 1. Seliy? angu-25, futhi atholwe iphuzu enkulu kwakunjalo lapho uthenge izinto ezinkulu-ithikithi, ungasiza yezitolo okwalandela. Abanye abaningi basuke futhi ezivelayo inkonzo khulula lokukhokha, kanye kusukela credit ezikhanyisayo, kanye nezimali athishela ukuba abuyisele ngesikhathi esisodwa lapho bengena isandla kamuva, uyosindisa isithakazelo.

 

izinto hhayi kuphela ngenyanga ezayo yinhlama-sum inkokhelo by credit kuyinto kunzima ukusebenzisa kalula. Noma emikhulu ukusetha izinkokhelo zenyanga, iyona okunekhono ukusetshenziswa indlela yokukhokha lapho nesilinganiso.