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? Thời nay mua sắm những vật chất có giá trị cao thông thường người ta chọn hình thức trả góp. Thời gian càng dài càng tốt, như các căn hộ cao ốc chẳng hạn. Có nơi được trả hằng 25 năm nữa cơ, 1/4 cuộc đời chứ ít ỏi gì!
Đương nhiên bạn phải trả thêm lãi suất.
? Họ chọn hình thức trả góp dù phải chịu lãi vì thu nhập thấp không trả nổi cùng một lúc. Hoặc, vì trả thế sẽ chỉ góp một ít thôi, còn lại sẽ đem đầu tư vào các khoản mục sinh lợi khác có ích hơn.
Nhưng, nguy cơ mất trắng tài sản ấy là điều có thể khi bạn không còn khả năng trả góp theo hợp đồng. Nếu tài sản ấy là nhà cửa, thì lúc này người thân không chừng phải trở thành những người vô gia cư bất khả kháng đấy!
?♂️ Mà rủi ro trong cuộc sống lại vô cùng. Nay có mai mất là chuyện chẳng hề hiếm. Đồng hành với chúng chứ chẳng tránh được. Nếu không chuẩn bị một phương án dự phòng tài chính thì e rằng không ổn.
?♂️ Được trả góp mà không phải chịu lãi, ngược lại còn được lãi. Thêm nữa, nếu chẳng may gặp phải điều không mong, mất đi nguồn thu nhập thường xuyên, không còn khả năng tiếp tục trả góp, bạn còn nhận về tài sản của mình nữa.
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