Hvorfor købe et Smart TV på afbetaling?

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Kan man undvære et fjernsyn? Ja, vil de fleste nok svare, det kan man sagtens. Men hvis man ellers har fast arbejde eller anden fast indtægt og er sparsommelig med sine penge, så skal man også have lov at nyde livet lidt ikke? Og med et TV får man alligevel rimelig meget for sine penge, da det kan holde i mange år, medmindre man køber det for billigt. Vi har altid fået tudet ørene fulde af at det er farligt at låne penge til forbrugsgoder osv., men i dag er et TV i en god kvalitet ved at være en udgift som ikke alle har råd til, især hvis man skal følge med de seneste teknologiske udviklinger hvor alt helst skal være online og opdateret.

 

Derfor kan du sagtens købe på afbetaling hvis du tænker dig om når du gør det

Hvad skal jeg huske

Mange steder reklameres der med vilde tilbud som – køb et smart tv på afbetaling og få rabat, eller uden renter og gebyrer, det er dog i de færreste tilfælde at afbetaling er helt omkostningsfrit, for låneudbyderes skal jo også tjene penge. Derfor skal du altid undersøge et tilbud til bunds inden du siger ja tak. Kig bl.a. på følgende :

 

  • Hvor lang tid har du til at afbetale i
  • Er der gebyr på de fakturaer du modtager hver måned
  • Hvad koster det i rykker hvis du glemmer en betaling
  • Er der et oprettelsesgebyr for at blive kunde hos låneudbyderen
  • Hvad koster det hvis du har brug for at udsætte afbetalingen
  • Hvad koster det hvis du vil indbetale restbeløbet før tid
  • Få oplyst præcis hvor meget du ender med at betale tilbage

Hvis du undersøger disse ting er det svært at blive overrasket, og hvis tilbuddet stadig ser fornuftigt ud, så skal du lægge dit budget for den tid som afbetalingen løber over og se om det holder.

Her skal du også prøve at regne med uforudsete hændelser der gør at du måske pludselig har større udgifter, eller en lavere indkomst.

Ofte bedre end banken

På trods af negative indlånsrenter i banken tager de sig stadig godt betalt for et forbrugslån, som et lån til et tv jo ville være, så selv nogle af de lidt dyrere tilbud på afbetaling af smart tv er ofte billigere end banken i sidste ende.

 

Så den gamle sang om at man kun skal låne ved banken holder ikke helt længere.

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  103. My programmer is trying to persuade me to move to .net from PHP. I have always disliked the idea because of the expenses. But he’s tryiong none the less. I’ve been using Movable-type on a number of websites for about a year and am anxious about switching to another platform. I have heard very good things about blogengine.net. Is there a way I can transfer all my wordpress content into it? Any kind of help would be really appreciated!

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  107. Hi there! Quick question that’s entirely off topic. Do you know how to make your site mobile friendly? My blog looks weird when viewing from my iphone. I’m trying to find a theme or plugin that might be able to correct this problem. If you have any suggestions, please share. Thanks!

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  114. My programmer is trying to persuade me to move to .net from PHP. I have always disliked the idea because of the expenses. But he’s tryiong none the less. I’ve been using Movable-type on numerous websites for about a year and am worried about switching to another platform. I have heard excellent things about blogengine.net. Is there a way I can transfer all my wordpress content into it? Any kind of help would be really appreciated!

  115. Hey there! I know this is somewhat off topic but I was wondering which blog platform are you using for this site? I’m getting fed up of WordPress because I’ve had issues with hackers and I’m looking at options for another platform. I would be awesome if you could point me in the direction of a good platform.