Kugadzira Purogiramu Yemahara
Federal Laws
I Federal Trade Commission Act inorambidza kuita zvisina kunaka kana kunyengedza kana maitiro mukati kana kuchinja zvekutengeserana.
Kukundikana kuzivisa mitemo yakakosha yeurongwa hwako hwekuchengetedza humwe mune imwe mamiriro ezvinhu inogona kuputsa Mutemo. Mashoko aya ari mubhuku rino anofanira kukubvumira kuti urege kudzivirirwa kwakadaro.
Chirongwa chako chekuregererwa chingave chakafukidzwa neChokwadi muLending Act kana iwe uchida kuti vatengi vako vabvumirane mukunyora kuti vaite mari yose kusvikira chimwe chinhu chabhadhara zvakakwana. Kana iwe usingaisunge mutengi wako mukunyora kuti apedze kutengesa kwekutengesa, ipapo Chokwadi muLending Act haisi kushanda.
Mamiriro ehurumende uye emunharaunda
Mimwe mitemo yehurumende neyemunharaunda inonyanya kushandiswa kugadzirisa kutengesa. Mitemo iyi inopesana zvakanyanya pane zvavanoda. Mukuwedzera, vazhinji vehurumende vane mitemo yakawanda yekuchengetedza vatengi inogona kushandiswa kumarara.
Verenga pamusoro kuti udzidze zvakawanda pakunyorera purogiramu yakashata.
Kuzivisa Kurayira Kwemitemo
Pane zvikonzero zvakanaka zvebhizimisi kupa vatengi vako vakagadziriswa zvakanyorwa zvinyorwa:
- vanobatsira kuvimbisa kuti vatengi vanonzwisisa zvavanofanira kuita;
- vanopa chiziviso kune vatengi vemitemo yenyu yekutengesa;
- vanobatsira kuti vese vatengi vawane ruzivo rumwe chete; and
- vanobatsira kudzivisa kusanzwisisana uye kukakavadzana.
Matambudziko Anokosha Okuzivisa
Kune dzimwe humwe hunokosha hukuru hwehutachiona hwezvirongwa zvekufunga kujekesa.
Izvi zvinosanganisira: kuregererwa uye kubhadhara mari ; zvirongwa zvokubhadhara; basa kana reyaway mhosva; uye nzvimbo , kuwanika, nekutsanangurwa kwezvinhu zvinoshandiswa neayaway.
Kurasikirwa uye Kubhadhara Mitemo
Iko nguva dzose maitiro akanaka emabhizimisi ekuzivisa vatengi pamusoro pekuregererwa kwako nekubhadharisa mitemo nekuti kusavapo kwekuregererwa uye kubhadharwa ruzivo kunogona kuva chinhu chikuru chekugutsikana kwevatengi. Nokuzivisa mazano aya nekunyorwa, unogona kuderedza zvakanyanya kunyunyuta kwevatengi uye kukanganisa kwevatengi vasina kugutsikana vachitora bhizinesi ravo kune imwe nzvimbo.
Vatengesi vanoshandisa mitemo yakasiyana-siyana yekubhadhara mari. Vamwe vanopa zvikwereti zvakakwana kana zvishoma zvemari kana maayaways asati apera. Vamwe vanopa chikwereti pamusoro pekutsvaga mune ramangwana. Mutemo wehurumende unogona kutora mutemo wekubhadhara iwe unofanirwa kutevera.
Paunotsanangura kuregererwa kwako uye chinangwa chekudzorera, shandisa zvakajeka, nyore, uye mutauro wakananga.
Kana iwe usingakwanisi kupa zvikwereti zvakakwana, tsanangura zvakajeka sei, kana chero chinhu, iwe uchabhadhara nokuda kwekusagadzikana kwekutengesa kwekutengesa. Zvisinei, iwe unofanira kutarisa mitemo iri munyika yako. Vamwe vanoti inopedza mari iyo vatengesi vanogona kutengesa. Nokuzivisa ruzivo rwekubhadharisa mari, vatengi vako vachaziva zvavanofanira kutarisira kana vasingakwanisi kugadzirisa kutengeswa kwekutengesa.
Verenga pamusoro kuti udzidze zvakawanda pamusoro pekukweretesa uye kubhadhara.
Payment Plans
Kana iwe uchida mari yakatarwa inofanira kubhadharwa panguva dzakatarwa (semuenzaniso, vhiki mbiri dzose), kana kuti kuti zvikwereti zvipedzwe mukati memakore akaiswa (semuenzaniso, mukati mememazuva makumi matanhatu kubva pakutanga kwevashandi), iyo inobatsira vatengesi vako kuti vazive zvaunoda chaizvo. Izvi zvinogona kusanganisira:
- iyo inoda kubhadhara mari;
- mazuva ekubhadharwa kuripo; and
- zuva iro kubhadhara kwokupedzisira kunofanira kuitwa, kana kuchikodzera.
Kunyange zvazvo dhora racho richikwira, nhamba, uye dzimwe nguva kutengesa kwekubhadhara kunogona kusiyana nemutengo wekutenga, unogona kuda kukudziridza faira yekuzivisa kubhadhara. Semuenzaniso, reyaway yako yekutengesa risiti inogona kuti:
Mari yako yekuda mari $ ______ inokonzerwa nezuva remwe mwedzi, kwemwedzi, kutanga. Kubhadhara kokupedzisira kunokonzerwa ne ______.
Tsanangudzo dzisina kujeka dzemashoko ekubhadhara hazvizobatsiri vatengi vako kunzwisisa mutemo wako. Mitsara mitatu yakajeka asi inowanzoshandiswa inopiwa pasi apa, pamwe nezvikonzero nei vasina kukwana:
- Mitero inokwana mazuva gumi nemaviri. Kukwana nokuti: Izvi hazvitauri vatengi vako kana zvikwereti zvavo zvatanga, apo zvikwereti zvinotevera zvinokonzerwa, uye kana kubhadhara kwokupedzisira kunofanira kuitwa.
- Maripo inofanira kuitwa muzvikamu zvitatu zvakaenzana. Hazvikwanisi nokuti: Izvi hazvitauri vatengi vako kutanga kana kuti kuguma mazuva ekuronga kwavo, kana kupa iyo chaiyo yebhadhadha yavanofanira kuibhadhara nguva imwe neimwe.
- Kubhadhara Kwekupedzisira kunowanikwa mumwedzi mitatu. Hazvikwanisi nokuti: Izvi hazvitauri vatengi vako mari yaidiwa yekubhadhara, mazuva apo kubhadhara kunokonzerwa, kana zuva iro kubhadhara kwokupedzisira kunofanira kuitwa.
Vamwe vatengesi vane gwaro rekudzima reyaway kana mutengi asingakwanisi kubhadhara nerimwe zuva kana kuti asati apedzisa mutengesi mune imwe nguva yakatarwa. Kana uine mutemo wakadaro, funga kuudza vatengi vako mukunyora kuti urege kusanzwisisana.
Vamwe vatengesi vachabvumira zuva rokupedzisa rakapedzisira richienda, kunyanya kana zvikwereti zvava kuda kupera.
Sechiyeuchidzo, vatengesi vakadai vanotumira maziso kune vatengi vavo vachivapa zuva idzva apo mitsara yose inofanira kuzadzikiswa. Kana uine mutemo wakadaro, unogona kushandisa svoti inoti:
Takawedzera zuva rakakodzera rekubhadhara kwako kwekupedzisira pakutenga kwako kutengesa ku _____________. Kana tisina kugamuchira chikwereti chako negore rino, tichafunga kuti kutengesa kwakabviswa.
Basa kana Layway Charges
Kana iwe uwedzera sevhisi kana kuti rejaway mutengo kumutengo wekutenga, vatengi vako vangave vachida kuziva izvi vasati vatanga kutora. Chiratidzo chako kana kukanganisa kuwanikwa kwekutambira kunogona kuti:
Pachava nekubhadhara mari ye $ _______.
Kana pane imwe mhosva, kufanana nekutakura, inogadziriswa, kuzivisa vatengi vako nemashoko akafanana kunobatsira.
Nzvimbo yeLayway Merchandise
Mitengesi dzinotenga zvinotengeswa pamarara zvinotarisira kuti chinhu ichocho chaicho "chichaiswa kure" -chikafu chinoparadzaniswa kubva mumatokari anowanikwa kutengesa. Vakawanda vanotengesa vanobvisa zvinyorwa zvakasara kubva padenga rekutengesa; vamwe vanochengeta zvinhu zvakakura, zvakadai sefenicha kana midziyo huru, padhorosi rekutengesa asi ratidza kuti "vakatengeswa." Kana iwe usingaparadzanisi kutengesa kwekutengeswa kubva kune zvigadzirwa kuti uitengeswe, kuudza vatengi vako pamusoro pekuita kwako kunogona kudzivisa zvikwangwani zveramangwana.
Iwe unogona kutumira ruzivo urwu kana kuisanganisira iyo rejeway re receipt rekutengesa. Somuenzaniso, chiratidzo chingati:
Makore akareruka achitenga achange ari muchitoro chekutengesa asi acharatidza "kutengeswa."
Kuwanika kweMatchandise
Kana kutengesa kunofanirwa kurongerwa, vatengi vako vangada kuziva nguva uye pasi pemamiriro api ezvinhu iyo icharairwa. Chiziviso chinotsanangura chirevo chako chingati:
Merchandise inofanira kurairwa. Kana uri kutenga zvigadzirwa pamatombo, ticharaira chinhu chako chakakosha apo iwe wakabhadhara hafu yemutengo wekutenga.
Kuzivikanwa kweMatengesi
Nokuti mwedzi yakawanda inogona kupera pakati penguva iyo kutengesa kutengesa kwatangwa uye nguva iyo mutengesi inotorwa, vatengi vako havagoni kugara vachiyeuka zvose zvese pamusoro pezvinhu zvavatengesa zvavakatenga.
Kuti ubatsire kudzivisa kukanganisa kushandiswa pamusoro pezvinhu zvakasarudzwa zvinosarudzwa, unogona kuda kuziva chinhu chakakanganiswa pane chikwata chekutengesa chikafu.
Zvichitsanangura zvakajeka zvinhu zvinoratidza maitiro, zvakadai semuvara, mashizha, nhamba yekutengesa, nhamba yemuenzaniso uye zita rekutengeserana kana mutengi, zvinogona kudzivisa kusanzwisisika apo mutengi anoita mubhadharo wokupedzisira uye akagadzirira kutora mabhizimisi ekutengesa. Semuenzaniso, unogona kuona chipfeko chakatengwa paayaways se:
Imwe tsvuku tsvuku, yakakura 10, Dresswell Company, Style # 130 A
Nzira Dzakawanda dzekuzivisa mazano
Mabhizimisi anotaurirana maitiro avo akasiyana-siyana nenzira dzakasiyana. Vamwe vanonyora mazwi avo akadzora pane chiratidzo muzvitoro zvavo. Vamwe vane kurasikirwa kwavo kuzivisa pavanorambidza mabhizimusi ekutengesa uye vanopa makasitori vane kopi kana kutenga kuri kuitwa. Vamwe vatengesi vanoshandisa zvose maresititi ekutengesa uye zviratidzo.
Kudzivisa kusanzwisisana. nguva dzose edza kutaura kuti ndiani achaita zvayo pamutero wako wekutengesa. Izvi zvichaita kuti vatengi vako vazive zvakananga zvavanofanira kuita kuti vazadzise chikamu chavo chekutengesa. Mifananidzo yakajeka, mito mishomanana, uye mhando yakaoma-yekuverenga inobatsira kutumira shoko rako.
Kana iwe ukanyora mashoko ako akadzora pane chiratidzo muchitoro chako, chiratidzo (kana zviratidzo) chinofanira kuiswa panzvimbo yakakodzera uye yakajeka (kana nzvimbo), uye shoko rinofanira kunge rakajeka uye rakakura zvakakwana kuti riverengwe kure.