Lombard: Yini lokhu?

Esikhathini nengwadla zezimali ezibhekene nabantu abaningi ngokucijile kunenkinga yokuntula imali. Eqaphela ukuthi ukuthenga esiphuthumayo sintula ethile, iningi icela yibhange imali noma uthathe imalimboleko nabangane nabantu obajwayele. Kodwa kukhona esinye isigaba sabantu abafika isitolo pawn loan kuvikelwe ubucwebe noma ezinye izinto eziyigugu. Banelungelo lokufuna bakholelwa ukuthi pawnshop - kuyinto benethuba elingcono kakhulu khona ngokushesha ukuthola loan yesikhashana. Phela, akubona bonke, kukhona eyengeziwe , imali noma ophanayo izihlobo, uyakwazi ngesikhathi esifanele ukuhlinzeka usizo lwezimali.

Uyini pawnshop?

Labo abazi ukuthi nobunzima impahla cishe bakwazi ukuqonda ukuthi kungani abantu baya Pawn izitolo. Yiqiniso, uma umuntu Kuyaphuthuma imali futhi akekho ukuboleka, ungakwazi ukuzodayisa yezinto. Kodwa akubona bonke abantu efuna ahlukane izinto zakho ozithandayo, bese abantu ngibanike njengoba eseduze ne option ukuthenga.

Lombard - sikhungo lesisemtsetfweni kwezohwebo, ogama imisebenzi zisekelwe nemigomo yeNhlangano abatshelekayo. Lapha konke ulula: abantu badinga imali ukuze enane ethile reserves njengoba eseduze lingelakhe kuwufanele. Lapho beqeda nesikhathi esibekelwe predetermined mortgagor inelungelo ukuhlenga impahla yabo ngokukhokha kuye lemali ngaphambilini etholwe wawelela salokhu iphesenti isikhathi. Njengoba isibambiso kungenziwa kwesokunxele okungokwakhe kuphela siqu, kuhlanganise amatshe ayigugu, izinto zasendlini, izimoto, imishini kagesi nezinto zokuhloba. Eminyakeni yamuva nje kwaduma kakhulu ukusebenzisa okuthiwa pawnshop amahora, ukuhlinzeka okusheshayo futhi kulula ukubeka noma ukuthengisa okunethezeka amawashi Swiss.

Lokho esikunika futhi kwenzekani?

Thola imali kungaba ngenxa yezinto ezibaluleke abanye. Usayizi imali ekhishwa pawnshop kunqunywa ikhumbula inzuzo yangempela eseduze enikeziwe. Kuyacaca ukuthi izindleko elilinganisiwe kumelwe libe izikhathi eziningana aphansi kwenani ukuthi kukhokhelwe, ekuzuzeni impahla aqashiwe. Ngaphambi bayinikele ku into pawnshop ozithandayo, udinga ukuba sicabange ngokucophelela ngazo zonke izinto. Ngempela, kwaba njalo endabeni ka-non-sokukhokha isamba bavumelana sikhungo mortgagor kuyodingeka ukuthengisa impahla ngamasimu, futhi lihlotshaniswa ezihlukahlukene nezindleko yokusebenza. Ngakho ungakhohliswa ukulindela ukuthi uzothola umkhiqizo wakho ithebhulethi entsha kuwufanele $ 500 okungenani 400. Empeleni, inani kuyoba ezincane kakhulu futhi pawnshops ezahlukene ukubaluleka eyodwa futhi into efanayo kungahluka ezibonakalayo elilinganisiwe.

Uma ubuyela impahla eseduze umboleki ngeke kudingeke bazenze ngaphambi hhayi kuphela imali oyitholile, kodwa futhi kumaphesenti athile. Imigomo yokukhokha kanye Izinga ukusetshenziswa imali ezitolo ezahlukene pawn zingase zishintshe kakhulu, futhi kubalulekile ukwazi kusengaphambili. Kuyaphawuleka ukuthi iphesenti impela high, ngoba abambisane izikhungo ezifana bazuze kuphela endabeni loan yesikhashana.

Izinzuzo nezingozi inqubo yokwelapha ngokwamaqiniso pawnshop

Enye inzuzo enkulu uya pawnshop - ijubane kuthengiselana. Ukuze lemali edingekayo lwanele sinokubaluleka abanye futhi iphasiphothi. Ukuze imibhalo kuthatha ngaphansi kwesigamu sehora. I-agumenti yesibili, ubufakazi esivuna ngokubambisana sinjalo ukutholakala kanye lula. Lokhu kuyiqiniso ikakhulukazi kubantu abasebenza ngaphandle kokuqinisekisa esemthethweni engenayo noma ube nedumela elibi e amabhange.

Ngaphezu izinzuzo ngenhla, umsebenzi Lombard enezinto eziningi nemiphumela ethile engathandeki abalulekile, omunye okuyinto okusezingeni eliphezulu lenzalo icala phezu loan. Nokho, uma kuziwa loan yesikhashana, lemali ngeke kube kukhulu kakhulu. Ngaphezu kwalokho, amasu pawn It akukuniki ukubolekisa ezinkulu.

Amalungelo nezibopho umboleki

Ukuze sizuze izinkonzo pawnbroker, lapho kudingeka ukuba ondle impahla ngamasimu, kodwa futhi i-passport. Lapho beqeda isivumelwano ne nenqubo amaklayenti ukuhlolwa. Pledger uthola izandla phezu imali futhi eseduze ithikithi - idokhumenti elikuvumela ukuba ahlenge into engakwesokunxele. Kumelwe ubonise ikheli pawnshop, ubani futhi okungezona ithikithi ikhishwa, incazelo impahla ngamasimu, iklayenti uthola nenani kanye isikhathi ukubuya.

Uma ikhasimende akusho ukuthenga into, ngenyanga emva kokuphothulwa inkontileka lingena impahla isikhungo ngemuva ngesikhathi esithile.

Kanjani ukuze uthole imali, ungabi yisisulu?

Ngaphambi bangena esivumelwaneni, qiniseka ukuthi pawnshop anazo zonke izimvume. kumele kube imali yemali. ukungabi sawo kufanele sibe isizathu ngenxa yokwenqaba ukubhekana leso sikhungo. I indima ebalulekile eyadlalwa ezingeni umsebenzi futhi isimo pawnshop. Ezikhungweni eziningi zanamuhla aye imishini ukukhokhelwa.

Ngaphezu kwalokho, omunye namasu ezivamile, okuyinto pawnshop ngokungafanele - luyanda senzalo. Ngakho-ke kubaluleke kakhulu ngaphambi kokusayina inkontileka uyifunde ngokucophelela.