"Sekuru Jan" muThailand
Zvichida une Sekuru Jan avo vakambosangana mazororo in Tairendi zvave zviripo, asi handizvo zviri pamusoro penyaya iyi. Sekuru Jan havapo chaizvo, saka havazive Thailand zvakare, nekuti izita repawnshop, zvine hunyoro uye zviri pamutemo, Bank of Loan.
Izvo zvaive - nekuti ini handifunge kuti zvichiripo - inzvimbo yakawanda yemanisiparati, kwaunogona kukwereta mari ne "nzvimbo inotakurika", senge (goridhe) zvishongo, mhete, mabhuku, midziyo yekubikira nezvimwe zvakadaro sechibatiso. Zvechokwadi, iwe hauna kumbowana kukosha kwechokwadi sechikwereti, nokuti kana usina kudzorera chikwereti - nechimbadzo - pawnbroker aifanira kutengesa zvinhu. Zvechokwadi, vanhu vakanga vasingadi kuti vavakidzani nemhuri vazive kuti vakanga vari murima uye vari kukwereta mari, saka kana zvakataurwa zvachose, vanhu vaiwanzotaura nezve "Sekuru Jan".
Pawnshop
MuThailand, pawnshop (Chirungu: pawnshop, Thai: rong kana) ichiri kuwanda. Kuno muPattaya ndinoziva nezve gumi, saka panofanira kunge paine mazana munyika yose. Dzimwe nguva chitoro chidiki, asi iniwo ndinoona zvitoro zvakakura zvakaratidza maTV, makomputa, midziyo yekusimbisa muviri, nezvimwe zvinotengeswa kunze uye wozopa sarudzo yakakura yemhete, amulets, nharembozha, goridhe uye nezvimwe zvakawanda zvinotengeswa mukati. Haasi munhu wese anokwanisa kubhadhara mari yakakweretwa uye mushure meimwe nguva chibvumirano chinotengeswa.
Ndakatozotarisana nazvo ini. Munguva yedu yokutanga kuzivana, dzimwe nguva ndaipa mudzimai wangu wechiThai mari uye iye akaenda neni hotera yakafamba zvishoma, asi yakanga isina kunyanya kuwanda. Ini ndaisamuziva uye hapana chandaiziva nezve "mamiriro ake emari". Zvakanaka, iyo yekupedzisira yanga isina kunaka, verenga nyaya yangu "Musikana anobva kwaIsan” kubva munaNovember 6, 2010 zvakare, wobva waziva zvandiri kureva.
pawnshop
Ndakamushevedza kubva kuNetherlands zuva rega rega, kazhinji mangwanani ndichienda kubasa kubva kumotokari (ndichiri kunamatira mumugwagwa weA9). Imwe nguva ndakamufonera ndisati ndadzokera kuThailand, asi hapana akadaira. Ndakaedza dzimwe nguva shoma zuva iroro uye zvakare zvakare zuva rakatevera, asi maiwe, hapana kubatana. Zvakandinetsa kuti haachada kutaura neni here, aizoramba achishanda here mubhawa imomo, kwaaigara ndaisatomboziva. Zvakanaka, tichangobva kusvika manheru takaenda kubhawa uye rombo rakanaka, aingoshanda ikoko. Ndakabvunza nezve foni, asi handina kuwana mhinduro yakajeka, zvakare, nekuti chirungu chake chaive chisina kunyatsonaka. Zuva rakatevera akandibvunza kana ndaida kufamba naye kuenda kuchitoro kwaaifanira kunhonga “chimwe chinhu” uye icho chakava chitoro chokutengesera. Akanga asina mari uye rendi yekamuri duku yakanga ichiri kubhadharwa, naizvozvo akanga akwereta serura yake nezango zvakachipa kumhuri kuti apedze mazuva kusvikira ndasvika. Ndakabvumirwa kubhadhara mari yandakakwereta, kaive kekutanga kundikumbira mari.
Zvitoro zvegoridhe
Pane imwe sarudzo muThailand yekukwereta mari kwenguva pfupi. Ndaifanira kutarisana nazvo makore mashomanana gare gare. Mudzimai wangu aida kutanga chitoro ini handina kuzvifarira zvachose. Aisafanira kushanda, aingoda kuva nezvaanoita. Ndakaramba ndichipikisa pfungwa iyi, takambonetsana zvakanyanya, asi akaomesa musoro (?) uye akaramba akati kana ndisingadi kumubatsira nemari aizotsvaga imwe nzira yekuwana nayo mari. Uye chokwadi, akawana nzvimbo yakanaka yechitoro ichocho uye pandakauya ipapo kekutanga, pakanga painewo firiji hombe ine doro, zvinwiwa, nezvimwe.
Chitoro chakava budiriro, munguva pfupi akange ave nenhamba huru yevatengi venguva dzose uye kutengesa kwaive uye kuchiri kufamba zvakanaka. Ndakatanga kujaira pfungwa iyi uye zvishoma nezvishoma ndakazobvuma. Pandakamubvunza kuti akanga awana sei mari pasi pano, zvakaratidza kuti akanga aita chibatiso chegoridhe rake rose, randakanga ndamupa, kune chimwe chezvitoro zvakawanda zvegoridhe munzvimbo iyi. Nemashoko mashoma anotapira (uye zvimwe zvishoma) akakwanisa kundiita kuti ndiuye nemari kuitira kuti "atenge zvakare" goridhe.
Dambudziko
Ndakafunga nezvezviitiko zviviri izvozvo pandaiverenga nezvenhamo yose yakapoteredza mafashamo iwayo. Mhuri zhinji dzakarasikirwa nezvose, pasina basa uye nekudaro havachakwanisi kubhadhara mari yezuva nezuva. I "Sekuru John" munzvimbo idzodzo ichaita bhizinesi rakanaka, nokuti pane nguva dzose chimwe chinhu chinokosha chinogona kukweretwa. Vanhu ava vanofanira kugovera mararamiro avo ezuva nezuva, saka vanosiya kwenguva pfupi zvishongo zvemhuri, mhete, wachi, nezvimwewo. Bhangi haringavakweretesi kuti mari uye "loanshark" inodhura zvakanyanya.
Zvichatora makore akawanda kuti anecdotes audzwa muThailand nezve "Sekuru Jan" sezvatinoziva kubva kunharaunda yevashandi veAmsterdam.
- Chinyorwa chakadzokororwa -
FYI: 'Sekuru Jan' vachiripo, zvirinani muAmsterdam, ona Stadsbank van Lening. Webhusaiti: http://www.sbl.nl
@Nico: uri right. Ndakanga ndanyora nyaya yacho zvega uye handina kutarisa kuti Sekuru Jan vachiripo here.
Kune zvechokwadi rimwe Bhangi reChikwereti muAmsterdam uye zvakare imwe muThe Hague. Masangano emanisipala ese ari maviri anoshanda pasina purofiti.
Izvo zvinonyanya kuzivikanwa ndezvezvitoro zvepawn zvepachivande, zvinoshanda pamusimboti mumwe chete, asi uko (mubereko) mutengo wakakwira zvakanyanya. Iwe unofanirwa kunyatso enzanisa vanhu vakazvimiririra vane pawnshops muThailand, nekuti ivo zvakare vari kutengeserana.
ndicho chokwadi uye chinoshandiswa zvakanyanya. Musikana wangu wekuThai aizivawo zvekuita nazvo. asi ndakaita pfupi pfupi pane izvozvo. mhindu inochajwa inokurudzira.
sezvakangoita aya makambani anopa mari muno muThailand. Chero bedzi iwe uchitaura kuti uchabhadhara "kubva pamuhoro wako" (hazvina kumbotariswa kuti yakawanda sei) unogona kuwana zvese mari. pamwero wemhindu we> 20%! Makambani iwawo ari kuparadza vanhu, nekuti idzo mhando dzemari dzemubereko dzinenge dzisingabviri kuwana, kunyanya kana TV nefiriji negudzanzwi ... nezvimwe zvichipihwawo mari. Ndinoziva vanhu vanowana mari yakawanda semari yavo yekubhadhara! Zvakanaka, hazvishamisi kuti Thais anotiza matambudziko avo.
Yakakwira nguva yemhando yeBKR (chikwereti chekunyoresa agency) uye nekudaro kuchengetedzwa kwevanhu kubva ivo pachavo nemaNIM nezvimwe zveThailand.
vane rudzi rwekadhi rechikwereti pano. Inonzi NCB national credit bureau. Kana wakanyoreswa ikoko haugone kutora mari. Mushure mekubhadhara iwe ucharamba wakanyoreswa kwemamwe makore matatu
yakanaka nyaya... yakanaka zvekuti ndakaikurudzira kumukadzi/musikana wangu.
Takazivana kwemakore 6 uye tichishanyirana nguva dzose.
Saka pane kuvimbana ... izvo zvakakosha pakushanda nemari. Zvechokwadi kuenda kushanda pairi ... yakanaka chinyorwa ... yakanaka pfungwa ... nokuti Thailand zvishoma.
Zvaunonyora zvimwe ndezvechokwadi pamari shoma 3 makore uye yakawanda 10 makore. Pashure pacho, kuunganidza hakuchaiti. ASI chikwereti chinoramba chiripo.
Vanhu havachagoni kukunetsa. Asi kana pane mutongo, muunganidzwa unogona kuitwa kwemakore anosvika makumi maviri.
Pakave nemutongo ... ini handisati ndagamuchira magwaro ... kuti kodzero yekutora ichapera mushure memakore 1 1/2. M curious
Pandakanga ndiine imwe mhando yemhemberero yekuvimbisana mumusha weTeerak (murume akachenjera anozivikanwa achiita munamato apo mumwe wako, iwe nedzimwe nhengo dzakakosha makabata tambo yakasungirirwa pabhasiketi rekupa) takagamuchirawo mari kubva kune vaenzi.
Mari yatainge tapiwa ndainge ndatoisa muchikwama changu, asi ndakatozoburitsa zvikwereti izvozvo zvakare. Ndakanga ndisingabvumirwe zvachose kushandisa izvozvo nekuti ichi chipo chakakosha, saka mari yacho yakaenda kuNetherlands uko baht yakapihwa nzvimbo yakanaka mukabati yekuratidzira. Angade kusatengesa zvindori zvedu zvegoridhe zvekutanga, asi kana zvichinyatsodikanwa, anotenderwa kuzviita. Zvakanaka, saka tichangochengeta zvese. Saka iyo hukama hwepfungwa (kana kushaikwa kwayo) inofanirawo kunge iri nyaya yehunhu (uye chizvarwa ??).
Zvimwe pamusoro-soro: musikana wangu haadi kukwereta mari, kwete kubva kumasangano (dzimwe nguva kubva kushamwari, asi kazhinji kubva kwaari). Akamboita izvozvo kamwe chete, akati atenge foni itsva uye aigara achifonerwa kuti aida kukwereta mari, nezvimwewo. Anozivawo nyaya kubva kune vamwe vaanoziva nezvematambudziko makuru nekuda kwekukwereta zvakanyanya kana kubhadhara yakawanda. kubhadhara, saka haadi kuita zvikwereti. Nezvemari, handifaniri kunetseka pamusoro pemarudzi ose ezvikwereti zvisina kuchenjera zviri kutorwa. Ndiri kungotaura nezve hunhu, kune vanhu vazhinji muNetherlands vanotenga mota kana chimwe chinhu chinodhura pazvikamu ...
Pawning zvivakwa uye kukwereta mari idambudziko rakakura muThailand uye richangokura.
Muchinenge chitoro chese, zvinhu zvinopihwa pachikamu; kunyange zvitoro zvakaita seLotus neBigC zvinotora chikamu mune izvi. Izvi zvinoita kuti kutenga zvinhu kuve nyore uye nekukurudzira, kunyanya sezvo chero kutonga pamusoro pemari kunowanzo kusiiwa. Iko kune chaizvo NCB, taura Thai BKR, asi haiwanzo kubvunzurudzwa pakutenga "zvidiki".
Zvinotova nyore kune vatengesi vemotokari (kwete vatengesi vemhando), kwaunogona kutenga mota pasina bvunzo dzemari, mushure mezvose vane chibvumirano chakanaka. Zvizhinji zvezvikwereti izvi zvinopihwa nemakambani madiki emari, asiwo ne, semuenzaniso, Thanachart Bank, kana Thai DSB Bank; nzvimbo yakakura, asi pano zvakare hapana mari inoongororwa kana cheki yechikwereti inoitwa. Kutengesa ndicho chinhu chinonyanya kukosha! Kuunganidza mari mumwedzi mishoma yekutanga yatova purofiti. Kana mubhadharo ukasaitwa, mota inotorerwa uye inoiswa kutengeswa nemari imwe chete.
Zvisinei, kana ukangotenga chimwe chinhu nechikwereti, matambudziko anotanga nokukurumidza; vanhu havakwanisi kutenga mari yemwedzi uye nokukurumidza vanowira mumaoko evanochera mari vanozivikanwa. Kune zvakare magradations pano. Iwe une makambani madiki emari uye anenge ese anotora 1,25% pamwedzi, saka 15% pagore. Kana iwe wakapinda mukuzvidza ipapo, pane nguva dzose makambani asiri pamutemo uye anobhadharisa zvikamu zve10 - 15% pamwedzi, saka 100 kusvika 180% pagore kana dzimwe nguva kupfuura. Kubhadhara kunounganidzwa zuva nezuva nevarume vari pamidhudhudhu yaunoona vachityaira kwese kwese muThailand: varume vaviri vakapfeka kazhinji mabhachi matema, magirovhosi matema uye ngowani inotyisa izere kumeso. Varume ava vanogamuchira chikamu chemari yakaunganidzwa saka havazenguriri kuita nenzira inotyisa zvikuru kana kuti dzimwe nguva kunyange kutyisidzira nechisimba chemuviri. Paunenge uchinge wapedza mudunhu iri rekupedzisira, hapana nzira yekudzoka uye mamiriro acho anongowedzera kushaya tariro nekufamba kwenguva. Vanhu vazhinji vakaguma pano; kazhinji vanhu vanotova nezvishoma kana kuti vasina; pakupedzisira vakatiza vakweretesi vavo.
Varimi vadiki vakawanda vanorasikirwawo neminda yavo nokudaro vanowana mari nenzira iyi. Vanowanzo tora nyika yavo kuCoop yavanodyidzana nayo uye nekudaro vanokurumidza kutora goho ravo. Kamwe chete pagore, Coop inounganidza mari uye kazhinji mari inobva mugoho inoenda yakananga mugreenhouse yeCoop. Kuti vabude mumamiriro ezvinhu aya anoita seasina tariro kwemakore anoverengeka, vanhu vanowanzopedzisira vava nemakambani emari asina kuchena, kazhinji kazhinji asiri pamutemo. Nekuda kwekukwira/kukwira kwemitengo yeminda, vanhu vanokwanisa kukwereta mari yakawanda ipapo kuti vabhadhare Coop uye vachiri nehomwe yemari yavo. Iyo dhipoziti ndeyechokwadi ivhu. Vanhu vanowanzo gamuchira 50% yeukoshi chaihwo uyezve chikamu chinowanzovharwa semhando yedhipoziti yekubhadhara. Izvi zvinowanzokonzera kusapfuura 40% yeukoshi chaihwo. Makambani aya anowanzo bhadharisa mari iri pakati pe2 ne3% pamwedzi kwozoita mari yekubhadhara. Zvinowanzoitika kuti mari yehomwe inokurumidza kunyangarika muhomwe yekambani yekubhadhara mari uye iwe unobva wapiwa kuna vamwari. Mhedzisiro: nyika ndeyekambani inopa mari uye inogona kurenda gore negore nemuridzi wekare.
Zvishoma zviri kuitwa nezvedunhu revatema iri nekuti vezvematongerwo enyika (vemuno) nevakuru vakuru vanewo mari yavo pano uye vanowedzera hupfumi hwavo nenzira iyi.
Imwe pfungwa;
Mota inotengeswa zvakare nyore nechikwereti, nekuti icho 'chibatiso chakanaka'? Uye zvakadini kana chinhu ichocho chikapinda 'mumitswe'?
Kwete maonero asiri echokwadi ne traffic muThailand.
Asi chiito chinofanirwa kutorwa, nekuti bhizinesi rekukwereta iri riri kubuda mumaoko.
Uye ini ndinongofunga kuti vanhu vekuAmerica vakanyanya kubudirira nechikwereti.
Zvimwe zvinoshamisa, nekuti muThai anofanira kuita zvese zvitsva! kuva??
Semuyenzaniso, runhare ... asi nezvose trimmings?
Chii chisingambo shandiswe nekuti havashandise internet?
Uku ndiko kuburitsa ziso remumwe munhu, sekuti 'nditarise??
Zvakafanana nemafirework?
Vanhu vane mari shoma ndivo vanoita mari yakawanda.
Uye zvikwereti zviri munzeve dzavo here?
Kwete Willem, Bacchus harisi zita rangu chairo. Asi chii chiri muzita?
Ini ndinogara muIsaan pachangu uye ndinogara ndichiona nhamo yandinotsanangura yakandikomberedza. Dzimwe nguva mune uye mune zvinosiririsa. Vana vasingakwanise kuenda kuchikoro nekuti hakuna mari; mari inoenda kune vanoishandisa. Vanhu vanongohwanda vachitiza vakweretesi.
Vanhu ava vanga vasina kudzidza zvakanyanya uye arithmetic idambudziko guru muThailand. Kazhinji vanhu havanzwisisi migumisiro yezviito zvavo. 3 Baht mubereko (= 3%) pamwedzi inoita senge ishoma, asi iwe unodzosera mari yakakweretwa nenzira yemubereko isingasviki makore matatu, pamwe nechikwereti chacho, hongu.
Rimwe dambudziko muno mudunhu nderekukwidzwa kwemitengo yeminda zvakanyanya muno mudunhu. Mamwe masitendi aitengeswa ne50.000 baht per rai makore mashoma apfuura uye ave kuenda ku500.000 baht+! Varimi parizvino vagara vachitora nzvimbo yavo kuCoop ne30 kana 40.000 baht per rai. Kana uchida kukwereta zvakawanda, unofanira kutanga wabhadhara chikwereti chacho. Vanokwereta shark vanotora mukana weizvi uye vanopa huwandu hwe, semuenzaniso, 150.000 baht per rai. Murimi ane, semuenzaniso, 8 rai pakarepo anozviona semupfumi; 8 X 150.000 ichiri 1.200.000 baht. Mutengi anodzikinura Coop; mumuenzaniso uyu, iti 8 X 40.000 baht, uye isa chanot muhomwe. Murimi anogashira yasara minus 20% sedhipoziti yekubhadhara, kureva 640.000 baht. Zvinonzi achagamuchira dhipoziti ye240.000 baht kana chikwereti chose chikabhadharwa. Zvisinei, kazhinji hazviuye kune izvozvo. Zvikwereti zvinowanzova nenguva yemakore mana pa 4% mubereko pamwedzi; Saka murimi anofanira kubhadhara 3 baht mubereko uye 36.000 baht mukubhadhara mwedzi wega wega, inokwana zviuru makumi matanhatu neshanu baht! Iyo 25.000 baht yavakagamuchira inowanzo shandiswa mushure memwedzi gumi uye ivhu rinodzokera kumuridzi. Kuenderera mberi: murimi anogona kurenda “munda wake” ne61.000 baht pamwedzi.
Iwe unofanirwa kuenda kuhofisi yepasi (Thai land registry), kune akawanda mavara ane mumvuri seaya anofamba famba. Vanosarudza varimi pakarepo uye vanowanzobatsirwa nevakuru vehofisi yevhu. Vanhu vanowanzo endesa chanot kuhofisi yevhu kuti vapihwe mushumo wekukosheswa. Chirevo chevaluation chinowanzodikanwa kuti ukwanise kuvimbisa kana kutengesa ivhu. Mukuru ari kuseri kwekaunda anozivisa vanokwereta kunze kuti mumwe munhu auya zvakare kuzotora chirevo chevaluation. Angobuda panze, murimi anorwiswa nenhamba idzi dzine usimbe nemashoko akanaka uye zvivimbiso. Zvakawanda zvinovimbiswa uye munhu anogona (anenge) nguva dzose achigamuchira mari zuva rimwe chetero, chero bedzi chiratidzo chimwe. Iwe zvino unofanirwa kuve wakasimba mubhutsu / slippers kuti usachinje tack, uye izvo zvakaoma kana iwe uchida mari uye usingaverenge!
Kuburikidza nemhando idzi dzemafia maitiro, ivhu rakawanda rinoendeswa kune vanhu vanotora mukana wezvinodiwa nemumwe munhu uye vanozvipfumisa zvakanyanya nenzira iyi. Nehurombo, zvishoma zvinoitwa nezvemhando idzi dzemaitiro, pamwe nekuti kuseri kwezviitiko vazhinji vane simba vanodhonza tambo.
Chinosuruvarisa ndechekuti vanhu chaivo vanotova neshoma kana kuti vasina vanova vanyajambwa verudzi urwu rwetsika. Suwa!
Willem, kubatsira mune zvemari hazvina musoro, nekuti ndiko kutakura mvura kugungwa. Isu takabatsira munguva yakapfuura nekubhadhara zvikwereti zvidiki kubva kune zvikwereti shark, asi kana chimwe chinhu chiri mumba kana moped inoputsika, varume ava vanokurumidza pamusuwo wako nemhinduro "yakakodzera". Zvinoita kunge zvakasimbiswa muThailand!
Mumwe murume wechiHindu anotasva bhiza romumusha wedu rine zvinhu zvose zvokutengesa chaizvoizvo; mbatya, nharembozha, maredhiyo, zvivhitivhiti nezvese zvaasina munhu anogona kubvunza. Shamwari yedu yakatenga nhare mbozha kwaari. PaLotus chinhu chinodhura 1.500 baht, kwaari anobhadhara 3.500 baht; zvirokwazvo pachikamu chechikamu. Anobhadhara 50 baht mazuva ese. Haazive chaanozobhadharira foni yake. Anongoziva chete kuti anofanirwa kubhadhara makumi mashanu baht pazuva. Patinomubvunza kuti sei achidaro, mhinduro iri nyore: haana 50 baht yekungotenga icho chinhu kubva kuLotus. Muchokwadi, haazive kuti chinhu chakadaro chinodhura sei muchitoro chakajairika, nekuti haawanzo kana kumboendako. Vanhu vakangwara vanoshandisa nehungwaru kusaziva uku. Kana kuti hupenzi?
Nhamba yezvitoro zvepawn muPhilippine yakapetwa kagumi kupfuura yeThailand. Mugwagwa wega wega wezvitoro une chitoro chimwe chete. Mapawnshops muPhilippine anoshanda mukati memutemo nekupa kunonzwisisika kwemari inopesana nekukosha kwechibatiso uye haashande nemunhu wepakati. Mabhizinesi akaita seL'Huiller ane zita rakanaka nemukurumbira.
Nyika yemunhu akasununguka ... ichave budiriro huru kana dzidzo ikasvika padanho rakanaka nekuti dambudziko iri rinoramba riripo nekuda kwekushaya ruzivo uye njere.
Izvo zvinongoenderana nevanhu vazhinji (vane chinzvimbo chepamusoro). Ndinozvidaidza kuti kushandiswa kwe "vanhuwo zvavo" (asi zvine chekuita nevakadziwo zvavo).
Vanhu vari kuchengetwa vakapusa uye ndinoona nyaya idzi dzichibuda panzvimbo ino mumakore makumi maviri. Ndinofunga kuti izvi zvakaipa.