2024 Tus sau: Howard Calhoun | [email protected]. Kawg hloov kho: 2023-12-17 10:28
Koj xav li cas thaum koj rho nyiaj hauv tuam txhab?
Kev zoo li cov tub ntxhais kawm qiv tsis yog tshiab hnub no. Cov tub ntxhais kawm ntawv hauv tsev kawm ntawv tuaj yeem yuav cov khoom tsim nyog hauv kev them nyiaj lossis thov qiv nyiaj hauv txhab nyiaj rau kev yuav khoom tshwj xeeb. Nws tuaj yeem hais tau tias tus tub ntxhais kawm lub neej tsis yog qab zib, vim nws tau deprived ntawm ntau yam. Kev yuav tsheb lossis kev siv thev naus laus zis niaj hnub zoo li lub laptop yog dhau nws lub zog.
Txawm li cas los xij, tseem muaj cov tuam txhab nyiaj txiag zoo li no uas cov tub ntxhais kawm tau txais qiv nyiaj thiab cov paj laum pheej yig heev. Tab sis muaj ntau cov lus nug tshwm sim. Puas muaj kev nyab xeeb los nqa lub nra xws li qiv? Raws li cov xwm txheej dab tsi koj yuav tsum tsis kos npe rau daim ntawv cog lus qiv nyiaj?
Cov tub ntxhais kawm qiv
Xav, ces koj qiv nyiaj hauv tuam txhab. Koj puas tau xav tias los ntawm ib hlis mus rau ib hlis koj yuav tsum tau them rov qab cov paj laum ntawm cov neeg siv khoom qiv, thiab yog tias koj yog ib tus tub ntxhais kawm thiab ua neej nyob tsuas yog cov nyiaj pab kawm ntawv, nws nyuaj rau ntseeg hauv kev daws teeb meem zoo siab ntawm qhov xwm txheej no. Nws yog lwm qhov yog tias koj muaj txoj haujlwm tas mus li uas tau them nyiaj zoo. Hauv qhov no, koj tuaj yeem tso tseg ib feem ntawm koj cov nyiaj tau los los them cov paj laum ntawm cov luag haujlwm. Qhov kev ntsuas no ua tau zoo thiab yuav cawm kojlos ntawm cov nqi ntxiv.
Nyem qiv nyiaj
Nws tsim nyog sau cia tias thaum muab cov nyiaj qiv rau cov tub ntxhais kawm, cov tsev txhab nyiaj nthuav dav hauv cov ntaub ntawv tag nrho cov ntsiab lus nyiaj txiag ntawm kev lag luam, suav nrog kev them nqi nplua rau tus qiv nyiaj (lub npe hu ua "kev nplua"). Yog li, raws li qhov tsis them nyiaj paj ntawm cov nyiaj qiv, cov nyiaj them ntawm cov nyiaj qiv yuav loj hlob los ntawm ib hnub rau ib hnub thiab tuaj yeem tshaj qhov qub ib zaug. Yog li ntawd, yog hais tias koj tsis them paj ib zaug, lwm zaus koj yuav tsis reckless, paub tias kev nplua yuav ua raws li txhua zaus.
Cov khoom tau txais credit yog cov khoom tsis tsim nyog
Vim li ntawd, nws hloov tawm tias los ntawm kev qiv nyiaj los ntawm lub txhab nyiaj, koj tuaj yeem them ob zaug lossis peb zaug ntxiv rau cov khoom. Cov tsev txhab nyiaj muab nyiaj qiv rau cov tub ntxhais kawm, suav nrog lawv qhov kev tsis txaus siab thiab kev ua phem. Txwv tsis pub, koj tuaj yeem ua yam tsis muaj qiv nyiaj, thiab yuav qhov tsim nyog nrog cov nyiaj koj tus kheej tau txais. Tsis txhob hais txog qhov tseeb tias yog tias koj muab ib feem ntawm cov nyiaj los ntawm koj cov nyiaj hli rau kev yuav khoom npaj rau yav tom ntej rau ob peb lub hlis, koj yuav txiav txim siab seb koj xav tau qhov khoom no tiag tiag lossis koj tuaj yeem ua yam tsis muaj nws. Sij hawm dhau mus, tus neeg uas tau txais cov nuj nqis catches nws tus kheej xav tias los ntawm thiab loj nws tsis xav tau cov khoom no, tab sis daim ntawv cog lus nrog lub txhab nyiaj twb tau kos npe.
Credit mob taub hau rau tus menyuam kawm ntawv
Ua ntej pom zoo muab xws li cov tub ntxhais kawm qiv, tus tub ntxhais kawm, ua ntej ntawm tag nrho, yuav tsum xav txog seb nws puas tuaj yeem ua tauNws yog qhov zoo los npaj rau qhov kev sib tham, thaum nws lub taub hau yog tag nrho ntawm yuav ua li cas thiab thaum twg yuav rov qab tau cov nyiaj qiv rau lub txhab nyiaj. Psychological yam tseem ceeb tshaj nws. Txhua txhua hnub tus tub ntxhais kawm daws teeb meem ntau, thiab kev lav phib xaub yuav ua rau nws lub nra hnyav.
Yog, tsis muaj qhov tsis ntseeg, xav, "Lub txhab nyiaj puas muab cov tub ntxhais kawm qiv nyiaj?" - koj tuaj yeem teb: tau kawg, lawv muab txhua tus tub ntxhais kawm qiv nyiaj siab.
Tab sis puas tsim nyog coj lawv - sawv daws txiav txim rau nws tus kheej.
Kev txiav txim siab yuav tsum ua tib zoo, tsis yog hauv ob peb feeb!
Pom zoo:
Russian Lub Tsev Kawm Ntawv ntawm Kev Tswj: kev tshuaj xyuas cov tub ntxhais kawm, thaj chaw ntawm kev cob qhia thiab kev cob qhia qib siab, ceg
Russian Lub Tsev Kawm Ntawv ntawm Kev Tswj Xyuas yog qhov chaw kawm niaj hnub, ntiaj teb-chav kawm qib siab. Qhov sib txawv tseem ceeb tuaj yeem hu ua cov neeg ua haujlwm qhia tshwj xeeb. RSU cov kws qhia txawv li cas thiab cov neeg siv khoom hais txog qhov chaw cob qhia yuav tau tham hauv kab lus no
Kev qiv nyiaj rau cov neeg siv khoom qiv. Kev qiv nyiaj rau cov neeg siv khoom qiv nrog cov khoom seem
Hmoov tsis zoo, feem ntau muaj cov xwm txheej thaum, tau muab qiv nyiaj lossis lwm yam qiv rau cov neeg siv khoom, tus neeg siv khoom tom qab qee lub sijhawm paub tias nws tsis tuaj yeem tiv nrog nws cov luag haujlwm. Nws tuaj yeem muaj ntau txoj hauv kev tawm ntawm qhov xwm txheej no - los ntawm kev sim npaj cov nyiaj so koobtsheej rau kev muag khoom. Tab sis muaj lwm txoj hauv kev tawm ntawm qhov xwm txheej, tej zaum qhov mob tsawg tshaj plaws - qhov no yog kev qiv nyiaj ntawm cov neeg siv khoom qiv (nws tseem yog refinancing)
Lub tsev rau tub rog: tub rog qiv nyiaj. Qhov nyiaj qiv tub rog yog dab tsi? Kev qiv nyiaj rau cov tub rog tub rog rau lub tsev tshiab
Raws li koj paub, qhov teeb meem vaj tsev yog ib qho teeb meem kub ntxhov tshaj plaws tsis yog hauv Russia nkaus xwb, tab sis kuj nyob hauv lwm lub tebchaws. Yuav kom daws tau qhov teeb meem no, tsoom fwv ntawm Lavxias teb sab Federation tau tsim ib tug tshwj xeeb kev pab cuam. Nws yog hu ua "Military Mortgage". Dab tsi yog qhov tshiab tsim los ntawm cov kws tshaj lij? Thiab txoj haujlwm tshiab yuav pab cov tub rog tau txais lawv tus kheej vaj tse li cas? Nyeem txog nws hauv qab no
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