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Ni zipi aina tofauti za mikopo?

Mkopo wa kulipa pole pole
Unapopata mkopo wa malipo ya polepole, unakopa pesa zote kwa wakati mmoja na unalipa kwa kiwango cha muda fulani uliotengwa.

Mkopo wa ovadrafti
Ni aina ya mkopo unaokuruhusu kuandika hundi ya kiasi cha pesa unachotaka kukopa. Haugharimu chochote mpaka pale utakapoandika hundi. Halafu unaanza kulipa ada kwa pesa ulizokopa. Chochote unacholipa kukuruhusu kupata mkopo tena.

Mengine kuhusu mkopo:

Mkopo wa udhamini
Mkopo wa udhamini hukuhitaji kuweka mali yako au kitu fulani kusimamia mkopo. Iwapo unakosa kulipa mkopo huo, mkopeshaji anaweza kuchukua kitu chako. Mkopo ya magari na vyama vya nyumbni ni baadhi ya mifano ya mkopo huu.

Mkopo Usiodhaminiwa
Mkopo huu huwa wa kipekee unapotoa ahadi ya kulipa. Watoaji mikopo huzingatia aina hii ya mkopo kuwa hatari na huweza kuwa na ada ya kiwango cha juu.

Mkopo wenye ada isiyobadilika badilika
Kiwango cha ada na malipo ya kila mwezi hubakia vile vile kwa kipindi cha mkopo huo.

Mkopo wenye ada ya kubadilikabadilika
Huu mkopo unakiwango cha ada inayobadilikabadilika ada hii inaposhuka au kwenda juu malipo ya kila mwezi pia hubadilika vivo hivyo.

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