Coj mus muag nyiaj txais: traps rau unsuspecting txais

Kaum xyoo dhau los, cov neeg muaj tsis muaj lub tswv yim hais txog dab tsi lub credit. Tab sis cov thawj loj ntug dej twb pib los mus muab khoom credits. Yuav tej khoom los ntawm catalog, rau ntawm qhov chaw, nws yog heev yooj yim. Coj mus muag nyiaj txais yog muab yog tam sim no txoj cai nyob rau hauv lub khw.

2008 ntsoog xyoo yog ib tug me ntsis txias lub credit boom, thiab ntug dej pib yuav tau qiv ntau sau zoo. Dua li ntawm qhov chaw them nyiaj tshaj rau lub tsev txhab nyiaj chaw tsis tau diminished. Qhov tsab xov xwm yuav saib dab tsi yog qhov khoom credits.

Cov nyiaj txais rau cov khoom

Feem ntau, ntau equate credit rau cov khoom mus rau "qhia cov nyiaj txais", uas yog heev nrov. Txawm li cas los, khoom nyiaj txais daim ntawv txawv ho yooj yim zog lub cev thiab muaj ib tug xov tooj ntawm cov nta.

• Lub ntsiab feature ntawm no hom ntawm txais - sau npe tsis muaj ib tug mus ntsib mus rau lub chaw ua hauj lwm. Cov khoom no yog ua nyob rau hauv lub muag khoom lub khw. Daim ntawv thov yog txais los ntawm sau nyob rau hauv cov lus nug thiab xa cov ntaub ntawv rau hauv Internet rau credit tshwj xeeb.
• Thim li ib yam ua ntej daim ntawv thov mus rau lub khw neeg ua hauj lwm ntawm lub tsev txhab nyiaj, uas tag nrho yus tus kheej cov ntaub ntawv thiab teb cov lus nug.
• Coj mus muag nyiaj txais ruaj los ntawm ib tug kev cog lus ntawm lub mas yuav kis tau cov khoom. Yog li, raws li ib tug tshwm sim ntawm uas tsis yog-them nyiaj ntawm cov nyiaj txais, lub bank muaj cai tuaj tos cov yam khoom tawm tuaj. Ntawm cov hoob kawm, nyob rau hauv kev xyaum xws li mob tsis tshua muaj, raws li cov khoom sai sai poob nws tus nqi, thiab muag nws yog ua yooj yim dua.
• Cov no yog soj ntsuam los ntawm cov borrower yooj yim zog daim ntawv. Muab luam credit yog nqa tawm nyob rau hauv ob cov ntaub ntawv. Pab thiab kev ua hauj lwm yav dhau los yog yuav tsum tau.

Lub ntsiab zoo ntawm credit

Ua ntej ntawm tag nrho cov tseem ceeb tshaj plaws kom zoo dua yog qhov tseeb hais tias cov ntawv sau npe yog nqa tawm nyob rau hauv lub khw. Secondly, tag nrho sau npe yuav siv sij hawm 15-20 feeb. Nws tsis yog yuav tsum tau mus sau tag nrho cov txheej ntawm cov ntaub ntawv rau lub ntawv thiab sau npe ntawm daim ntawv cog lus.

Lub ntsiab credit weaknesses

Lub ntsiab disadvantage - nws yog ib tug loj tshaj, uas tej zaum kuj yog tus nqi ntawm cov muas khoom. Qhov thib ob drawback - nws yog ib tug yuav tsum muaj ntawv kho mob, tsis muaj uas tus qiv nyiaj rau tsis pom zoo rau deal. Peb kuj yuav tsum hais cov teeb meem pauv khoom raws li ib tug tshwm sim ntawm kev sib yuav los yog ib tug rhuav tshem.

Yuav ua li cas coj cov yam khoom rau credit?

Tej zaum txhua leej txhua tus ces yuav tsum xws li ib tug teeb meem no - koj mus rau lub khw mus ntsib nrog cov xov xwm thiab koj pom cov yam khoom, uas zoo li tag nrho cov yam ntxwv, thiab tau them ib tug ob peb lub lis piam. Thiab ntawm no los tus phooj ywg saib xyuas, thiab qhia rau tsim lub Desired qhov khoom rau credit. Zoo siab cov neeg muas zaub yuav tsis delve rau hauv lub tej yam kev mob ntawm daim ntawv cog lus thaum lub sij hawm ntawm cov kev sib pauv. Zaj sawv mus ob peb vas mus tam sim ntawd thaum uas koj yuav tsum them rov qab cov nqi nrog kev txaus siab.

Yog hais tias koj yog tiag nyob rau hauv kev xav tau ntawm ib tug tej yam khoom thiab txiav txim siab mus yuav nws rau credit, peb yuav qhia txog cov qauv siv ib theem zuj zus.

1. Xaiv lub khw. Koj yuav tau mus nrhiav ib tug kav nyob qhov twg cov khoom uas hais nyob rau ntawm qhov nqi qis tshaj los yog kev rau cov shares.
2. kev xaiv ntawm bank. Ua ntej koj yuav ua kom tawm cov credit, koj yuav tsum nyeem cov nqe lus ntawm tag nrho cov tsev txhab nyiaj, thiab los mus laij lub feem ntau muaj txiaj ntsim kev xaiv uas muaj tsawg heev tshaj. Yog hais tias koj muaj peev xwm tsis kam nrog lawv tus kheej txaus siab, koj yuav tsum mus nrhiav kev pab los ntawm ib tug credit tshwj xeeb.
3. Qhov kev xaiv ntawm txais tej yam kev mob. Nyob rau hauv cov ntaub ntawv no, koj yuav tsum kom meej meej txhais tau ntau npaum li cas koj yuav them txhua lub hlis raws li kev them nyiaj ntawm tus thawj xib fwb nqi. Yuav kom ua kom muaj tus pom kev them nyiaj, koj yuav tau xaiv cheaper cov khoom los yog ua rau kom cov nyiaj txais lub sij hawm.
4. Tiav ntawm daim ntawv cog lus. Ua tib zoo nyeem cov credit pom zoo thiab tsuas yog tom qab nyeem ntawv ib tug npe duab.

Tam sim no, khoom nyiaj txais tseem nrov heev, nyob rau hauv cov kev phem ntawm ib tug them nyiaj tshaj ntawm 30-80 rau ib xees nyob rau hauv ib lub xyoo.