Financing

[Rakizta]

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mas okay ra data data spread over pila ka months then naa kay extra mony just in case lang

[Nooka]

Awa sab ug unsay rason sa imong pag pangutang. Ug ang utang nimo is BALAY (mortgage) or AWTO/MOTOR (lease-loan) payts ra (considering nga maka afford ka sa monthly payment sab dili nga magka gidlay ka after ka maka bayad sa imong binuwan nga bayranan). Pero ug nangutang ka para sa mga butang nga way rason (Cellphone, laptop, dslr camera, tablet, etc..) aynalang pa tuga tuga. Tiguma nalang imong kwarta.
Okay man sab mo establish ug credit record pero siguraduha lang nga makabayad ka. Pero ug apeke kas imong budget ayaw nalang gyud.

[HeartStops]

If you want to buy something ang mas maayo jud ana is
1. Save for it - in this case naa pakay savings dbah?
2. Pay cash
3. Financing thru 0% interest - kung naa kay Credit card
4. Financing with interest - But you have to look for the lowest interest. As long as maayo ka mo budget then there shouldn't be a problem. Ask if naa bay rebate in-case gusto nimong bayaran ug dinagko (labi nag dako2 kag extra) para mahuman dayon.

Alternative ways - if you're into brand ( buy a used one ) if you're into benefit features (buy something similar but less)

Bonus: If magkinaunsa man have a back-up plan. Dli man jud nato malikayan na naa juy times na lisod kaayos budget. Dibah?

Only consider buying if its something Emergency or needed jud. If not then think a lot sa.

[path]

do extra income if you want something that is above your income, save for it and buy it cash once enough saving! long term debt means big interest! always pay cash if possible!

[spartan301]

For personal use - own cash... Maybe a bit thru external financing... Except for house n lot..
For business - bank loan gyud! U cant xpand fully using yur own equity...