Pehla maamla Qarz ki noiyat ka nhi hai jis main aap physical paisay lai kar kahen aur online paisay bhej rahay hain, yai service charges hi kehlain gai, issay sood nhi kaha jaa sakta.
Doosray maamlay main jis main aap paisay udhar dai daitay hain aur baad main paisay aur charges wasul kartay hain, is main qarz sai mushabihat paida hoo jati hai aur Jis sai yai Qarz ki noiyat ka maamla ban jata hai aur is par charges sood kai zumray main aayne gai.
Laikin agar apka asal business online paisay bhaijnay ka hai jis main aap paisay lai kar online kahin aur bhaijtay hain aur us par service charges laitay hain toh is surat main doosra maamla qabil-e-qabul hoo jata hai jis main asal maqsad apka qarz par sood laina nhi hai balkay online paisay bhaijnay kai charges laina hai hai aur saath saath customer ko asani phonchana bh hai.
Bas yai khayal rahay kai kisi bh jagah qarz par manfat ka taqaza na kiya jaye aur in service changes ko sirf online transfer kai service charges kai tor par genuinely wasul kiya jaye.
Dr. Irfan Shahzad Sahab ( @Irfan76 ) ki raye bh lai laitay hain is maamlay main.