Ndondomeko ya kubanki ndi chiyani

Ndondomeko ya banki

Nthawi zina mumakumana ndi zikalata zingapo zomwe, poyamba, zimawoneka ngati zosafunikira. Mumawona ngati akungotaya pepala, nthawi ndi ndalama. Komabe, izi zimatha kukhala zofunika kwambiri. Izi ndi zomwe zimachitika kubanki.

Ngati mukufuna dziwani chomwe bank statement ili, chidziwitso chomwe chingakupatseni, maubwino omwe amakupatsirani pankhani zowerengera ndalama ndi zina zomwe mungachite nazo chidwi, zomwe takonzekera zikuthandizani kuthetsa kukayika kwanu konse.

Ndondomeko ya kubanki ndi chiyani

Chiwerengero cha kubanki chingatanthauzidwe choncho chikalata chomwe banki imatumiza, pakompyuta kapena positi, chomwe chikuwonetsa chidule cha kayendedwe ka akaunti yakubanki mwezi wonse, komanso ndalama zomwe zilipo mu akauntiyi.

Mwanjira ina, tikulankhula za chikalata chomwe mutha kuwona kuyenda ndi ndalama zomwe zakhala muakaunti yakubanki munthawi inayake.

Zisanakhale zachizolowezi kuti mabanki azitumiza mawu kwa makasitomala awo pamwezi, kuti athe kutsatira owerengera ndalama zawo komanso ndalama ndi ndalama. Komabe, pang'ono ndi pang'ono izi zidayamba kugwiritsidwa ntchito, kapena ndi ntchito yomwe amapatsidwa kuti apitilize kuchita, m'njira yoti ambiri achotsa izi kapena azilandira kudzera pa intaneti (kukhala osintha masiku, kusuntha kwamitundu, ndi zina).

Kodi muli deta yanji

Ndondomeko ya kubanki ndi chiyani

Mukapempha chiphaso ku banki, pali zambiri zomwe, ngati simukudziwa zomwe zikunenedwa, zitha kukulepheretsani. Komabe, ndizosavuta kumva. Ndipo ndizo mudzakhala ndi mfundo 8 zosiyana kuti muzimvetsere. Izi ndi:

Tsiku lomaliza

Ndiye kuti, tsiku lomwe banki idatulutsa (yosindikizidwa, yofunsidwa, ndi zina zambiri). Ndikofunikira kuti muzitha kuwongolera mayendedwe anyengo yayitali.

Wosunga akaunti ya Bank

Kuti mudziwe akaunti ya banki (ndi munthu kapena kampani) chikalatachi chikunenedwa.

Khodi yaakaunti

Timalankhula za nambala ya akaunti, bungwe, ofesi ndi DC. Mwanjira ina, nambala yonse ya akaunti kapena nambala ya IBAN.

Tsiku logwira ntchito

Poterepa mupeza ambiri a iwo, ndipo limenelo ndi tsiku lomwe, kaya ndalama kapena ndalama, zalembedwera muakaunti yakubanki. Mwanjira imeneyi, mudzadziwa kuti ndalamazo zidalipiridwa (zabwino kapena zoipa).

Opaleshoni lingaliro

Poterepa, amakufotokozera zomwe ndalama kapena ndalama zomwe zikuwonetsedwa m'mawuwo zafika. M'malo mwake, nthawi zina zimakhala zothandiza kwambiri kuposa tsiku lenilenilo kapena kufunika kwa ntchito yomwe yachitika.

Tsiku lamtengo wapatali

Tsiku lamtengo wapatali, monga Bank of Spain limaganizira, ndi nthawi yomwe «ngongole mu akaunti yapano imayamba kupanga chiwongola dzanja kapena ngongole ikasiya kupanga chiwongola dzanja, mosasamala kanthu za tsiku lowerengera ndalama za ntchitoyo kapena" wolemba zowerengera "".

Mwanjira ina, tikulankhula za tsiku lomwe opaleshoniyi yakhala ikugwira ntchito.

Kuchuluka kwachuma

Ndalama, zabwino (ndalama) kapena zoipa (ndalama) zomwe zachitika.

Mulingo wa akaunti

Pomaliza, mudzakhala ndi akaunti yotsala, yonse yapitayo, ndi yomwe mwakhala nayo mutapanga mayendedwe.

Kodi chiphaso cha kubanki ndi chiyani?

Kodi chiphaso cha kubanki ndi chiyani?

Ndondomeko ya kubanki si chikalata chabe chomwe kayendetsedwe ka akauntiyo imakhazikitsidwa (ndikusintha komwe kulipo), koma zimapitilira pamenepo Ndiwothandiza kwambiri pakuwerengera ndalama komanso kuwongolera mokhudzana ndi ndalama ndi ndalama.

Kuphatikiza apo, kudzera mu izi titha funsani ndalama, ndalama, zolipiritsa kapena kubweza ngongole, ngongole, ma komisheni, ndi zina zambiri.

Mawu kubanki angawoneke ngati opusa, koma chowonadi ndichakuti pali zabwino zambiri kuzigwiritsa ntchito, kuphatikiza izi:

  • Mutha kuzindikira zolakwika. Tithokoze chifukwa choti cholembedwa ku banki chikuwonetsani mayendedwe onse a akaunti yakubanki, kaya ndi ndalama kapena ndalama, ndiye gwero lodalirika kwambiri pazomwe zachitika pazachuma chanu ndipo chifukwa chake zitha kupezeka ngati pakhala pali ndalama zilizonse kapena ndalama zomwe sizingamukumbukire kapena ayi.
  • Mutha kutsimikizira ndalama zanu ndi zolipira. Ngati muli ndi makasitomala angapo, kapena makampani angapo oti mulipire, ndi lipoti la banki mutha kutsimikizira kuti ndalama kapena zolandilidwazo zakhutitsidwa ndipo, mwanjira imeneyi, muiwale za iwo (mpaka mwezi wotsatira).
  • Mlandu wanu adzakhala mofulumira. Chifukwa simusowa kufunafuna ndalama zolipirira kapena ndalama, mudzakhala ndi chikalata pomwe zonse zochokera mu akauntiyi zimawonetsedwa. Ngati muli ndi maakaunti angapo, muyenera kukhala ndi zikalata zosiyanasiyana kubanki zomwe zimawonetsa izi kuti muzitha kukonza kumapeto kwa mwezi (kapena kotala).

Momwe mungawonere kutulutsa

M'mbuyomu, lipoti la kubanki limangopezeka kupita ku banki ndikukaipempha pamasom'pamaso. Popita nthawi, ntchitoyi inali yokhazikika, yokhoza kutero Pezani kudzera mu ATM. Komabe, mawonekedwe a intaneti komanso masamba, adadumphanso, chifukwa anthu amatha kuwunikanso chikalatachi kudzera pa omwe amagwiritsa ntchito intaneti kubanki.

Pakadali pano, mawonekedwe onsewa komanso kugwiritsa ntchito fomu yovomerezeka kubanki pafoni kumapangitsa kuti izi zitheke, kuphatikiza sindikizani chikalatacho kuti mukhale nacho mwakuthupi.

Momwe mungapezere chiphaso ku banki

Momwe mungapezere chiphaso ku banki

Pakadali pano, kutenga ma banki ndikosavuta. Chifukwa mungathe pitani kunthambi yanu yaku banki kuti mukapemphe, muwone (ndikutsitsa) patsamba la banki, muyang'ane pa pulogalamu yam'manja kapena mungasindikize pa ATM.

Chosangalatsa ndichakuti, ngati mungayang'ane pa intaneti, mutha kusankha nthawi yokomera ena, zomwe, m'malo ena, sizingatheke, kapena muyenera kufunsa mosapita m'mbali. Kuphatikiza apo, muyenera kudziwa kuti mabanki amasunga zolemba zanu zonse kwazaka zapakati pa 5 ndi 20, kupitirira apo sipadzakhala chilichonse.


Zomwe zili m'nkhaniyi zikutsatira mfundo zathu za malamulo okonzekera. Kuti mufotokoze cholakwika dinani Apa.

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