Zambiri zaku banki zitha kukuthandizani kuti mupulumutse mayuro ambiri

sungani kudzera kubanki yanu Chimodzi mwazodandaula zazikulu za makasitomala zokhudzana ndi ubale wawo ndi mabungwe aku banki chimachokera kuzinthu zambiri zomwe zimagulitsidwazo zimagulitsidwa, zilizonse zomwe zinali (maakaunti osunga ndalama, ngongole yanyumba kapena ngongole zanu, makhadi a kirediti kapena madebiti, madipoziti, kugula ndi kugulitsa magawo, ndi zina zambiri. .). Nthawi zambiri mumayenera kutenga ndalama zambiri kuposa zomwe mudakweza poyamba, ngakhale pamapangidwe kuti musunge. Ndipo kuti mwakhaladi mwa munthu woyamba kangapo. Amatha kutero sungani molakwika bajeti yanu panthawi inayake.

Izi sizomwe zimakhala zosangalatsa kwambiri, komanso zomwe muyenera kuthawira kuti mukalimbikitse kusungidwa ndi zinthu zakubanki zomwe mwakhazikitsa, kapena mutha kusaina miyezi ikubwerayi. Imeneyi sikhala ntchito yovuta, ayi. Koma mukudziwa kuteteza zofuna zanu monga kasitomala kuti ndinu, posachedwa mukwaniritsa bwino zomwe mukufuna. Mpaka kuti mutha kudzipereka nokha kupitilira chimodzi kuyambira pano. Kodi mukufuna kudziwa momwe? Tsopano tikukufotokozerani, kuti mutha kuyigwiritsa ntchito mosachedwa.

Kudziwa nthawi ndi nthawi za ufulu womwe muli nawo ngati wogwiritsa ntchito kubanki kumatha kukuthandizani kukonzekera ndi kusunga chuma chanu chakunyumba, komanso kuti musayang'anire ndalama zomwe simukuyembekezera pazomwe mungachite kubanki. Ndipo kudzera mu chidziwitso chozama kwambiri cha zinthu zakubanki kuti mulembetse. Ndipo kutengera aliyense wa iwo, zidzafunika chithandizo china kuti mumvetsetse zomwe amakonda, ma komiti, zilango zawo, ndipo ngakhale mutha kuziletsa nthawi iliyonse.

Zambiri pamagawo azandalama

zambiri za ngongoleMosakayikira kufunikira kwakukulu kudzakhudza ngongole zomwe mumalemba, mosatengera mtundu wawo. Osati pachabe, mayuro omwe ali pachiwopsezo adzakhala ambiri, pakufunika kwa zinthu zakubanki izi kumatha kufikira 100.000 mayuro, makamaka nthawi zina. Simuyenera kusiya chilichonse kuti muziyenda bwino, koma mukufuna kukhala ndi zodabwitsa zingapo kuyambira pano.

ndi chiwongola dzanja chikhala chinthu chofunikira kwambiri pakuwongolera ndalama. Mudzatero dziwani mlingo weniweni womwe angakuthandizeni mu ntchito zanu zamabanki, ndikuti munthawi zabwino sizikhala ndi chochita ndi zomwe zimadziwika. Kuphatikiza apo, muphatikizira pazomwe mumagwiritsa ntchito, ndalama zomwe zingagwiritsidwe ntchito, ndi kuchuluka kwake. Amatha kutengedwa kuchokera ku kafukufuku wawo, kutsegula ndi kuletsa koyambirira, pakati pazinthu zina. Ngakhale chilango chomwe mungakumane nacho mukapanda kutsatira zomwe mwavomera, komanso munthawi yochepa.

Maonekedwe alionse a ndalamazi atha kukweza kwambiri ndalama zomwe zingapezeke chifukwa chofunidwa kwa mayikowo, mpaka kuposa ndalama zomwe zakonzedwa. Musanasaine kontrakitala, simudzachitanso mwina koma kufotokoza zomwe mudzalipira, pofunikiranso kuti muwerenge mosamala zolemba za mgwirizano, ndikupewa mavuto amtsogolo ndi banki kapena mkhalapakati wazachuma.

Chenjezo ndi zinthu zomwe mungasunge

Ngakhale sizofunika kwenikweni, zimafunikanso chidwi chanu. Ndi kangati mwadabwapo kuti sanakulipireni ndalama zomwe mumawona kuti ziyenera kukhala? Kuti izi zisakuchitikireni kuyambira pano, mudzayenera onaninso mawonekedwe azinthu zakubanki izi. Ndipo komwe simungaphonye chiwongola dzanja chomwe chidzagwiritsidwe ntchito pothetsa chiwongola dzanja, nthawi yomwe idzapezeke ndi njira kapena njira zomwe ziwerengedwera. Chidziwitso chanu, chifukwa chake, chidzakhala njira yabwino kwambiri yopewera zodabwitsa kumapeto komaliza.

Zifunikanso kuti mupeze zidziwitso zolondola pamitengo yosinthira (pazomwe mukugulitsa ndalama zakunja kapena ndalama zakunja zakunja zomwe ndalama zake sizipitilira kuchuluka kwakomwe ndalama zomwe mwapeza), makamaka zothandiza mukamapita kudziko lina , pazifukwa zilizonse. Mutha kupulumutsa kuposa momwe mukuganizira.

Mulimonsemo, ndikofunikira kuti mudziwe, kuti Mabanki amatha kukhazikitsa chindapusa mwaulere Amalipira pantchito ndi mautumiki, koma mulimonsemo ali ndi udindo wokudziwitsani. Kusiyana kulikonse komwe kumachitika kuyenera kudziwitsidwa kwa kasitomala aliyense, makamaka kudzera mu kalata. Ndipo ngati chochitika chikuchitika, nthawi zonse mudzakhala ndi mwayi wopempha chigamulocho kudzera pazofunsa.

China chomwe chimafunikira kwambiri kuti mudziwe kuti kampani yobwereketsa idzakakamizidwa kuti ipereke chikalata chovomerezeka pamagawo aliwonse omwe angakhale (chuma, ngongole kapena ntchito ina). Tsambali liphatikizira zofunikira zofunika kuti kasitomala athe kutsimikizira zakwaniritsidwa ndikuwerengera mtengo kapena zabwino zogulitsa. Padzakhala mawu omwe ndalama zomwe mumapanga, chiwongola dzanja, ma komiti, mitengo yosunga, ndi zina zambiri zidzawonetsedwa.

Kukhala tcheru kwambiri ndi zopanga ndalama

zambiri zazinthu zomwe mwalandira Ngati pali gawo lomwe madandaulo amakasitomala awonetsedwa, ndiye kuti ndalama. Kapena kunena molondola, mu njira zomwe amagwiritsa ntchito kuti ndalama zawo zizipindulitsa, kaya ndi ndalama kapena ndalama zokhazikika. N'zosadabwitsa kuti pali zambiri zomwe zingagwiritsidwe ntchito kwa ogwiritsa ntchito. Kuphatikiza apo, amanyamula angapo za zolipirira zomwe zingakhale zosiyana pachinthu chilichonse chogulitsidwa. Ndipo kuti pafupipafupi samadziwa nthawi iliyonse akamakhala pamisika yachuma.

Zina mwazofunikira kwambiri ndizomwe zimachokera kuzinthu monga kugula chuma kapena mgwirizano wazogulitsa. Pofuna kupewa vuto lililonse ndi zomwe zimachitika pantchito zomwe zikuchitika, ayenera kulandira chindapusa chokhudza ndalama zomwe banki imapereka, ndalama zomwe zitha kulipidwa komanso miyezo ya kuwerengera ngongole. Izi zimayenera kulembetsa ku Bank of Spain chotero, ndi mwayi wogwiritsa ntchito onse. Ndipo mulimonsemo, sangakwanitse kukulipiritsani ndalama zambiri kuposa lamulo.

Izi sizitanthauza kuti mkati mwazamalonda zamabanki eni eni, ali ndi ufulu wambiri pamitengo yawo, wokhala ndi mwayi wopulumutsa. Ndi izi, sizosadabwitsa kuti mabungwe ena amalipira mabungwe apamwamba kuposa ena. Mwanjira imeneyi, zochita zanu ziyenera kuthandizira kupeza mitengo yosinthidwa kwambiri, komanso komwe mungapeze ndalama zambiri chaka chilichonse. Ngakhale mutenge mwayi pazotsatsa komanso zotsatsa zambiri zomwe mabanki akhala akuchita kulimbikitsa malonda awo.

Popanda kuiwala nthawi iliyonse kuti mukalembetsa mtundu uliwonse kuti ndalama zanu zizipindulitsa, zilizonse zomwe mungakhale, mudzakhala ndi ufulu wambiri, komanso kuti nthawi iliyonse yomwe akuphwanyidwa mutha kuwafunsira pogwiritsa ntchito njira zothandizidwira pamwambowu. Ndipo kuti Sitiyenera kuphonya kuti ufulu womwe umathandizira onse (wogwiritsira ntchito ndi wogwiritsa ntchito) pakusintha kwa chiwongola dzanja kapena mabungwe omwe aphatikizidwa ayenera kudziwitsidwa kwa ogwiritsa ntchito ndi chidziwitso pasadakhale.

Kupyola Lipoti Lakale Lakale la Ntchito Zonena kuti Bank of Spain imasindikiza pafupipafupi, mutha kuwunika kuchuluka kwa zomwe ogwiritsa ntchito kubanki amafufuza, ndikuzindikira kuti pali anthu ena omwe ali mumkhalidwe wofanana ndi wanu. Ngati lipotili likuwunikiridwa bwino, mudzazindikira kuti zinthu zomwe zimafunidwa kwambiri ndizomwe zimalumikizidwa ndikupereka ndalama zina.

Malangizo ena oti muteteze ufulu wanu

Palibe njira yabwinoko yotetezera ufulu wanu monga wogwiritsa ntchito kubanki kuposa kupatsa zochita zanu zonse kuwonekera poyera pakugwira ntchito. Muyenera kuwauza kuti akupatseni zikalata zodziwitsa zomwe mwachita. Ndipo komwe muyenera kuwerenga ngakhale zolemba zabwino kuti pasakhale zovuta zina pakulemba ntchito. Popeza ndiye kuti mwina ndi inu omwe mudzatayike kwambiri munjira iyi yomwe ingatsegulidwe pakati pa onse.

Kuti mukhale odekha muubwenzi wanu ndi banki, komanso koposa zonse, kuti mudziwe kuti adzakulipirani ndalama zomwe mwasintha malinga ndi malamulo apabanki pano, simudzachitiranso mwina koma kumvera zina a malangizo akulu omwe timakufotokozerani pankhaniyi.

  • Musanasaine chilichonse ku banki, zikhala zofunikira kuti muwerenge zofunikira zawo zonse zolembetsa, ndipo muwafunse kuti akupatseni kuti muwone zomwe mukufuna kulemba maola angapo otsatira.
  • Zinthu zikasintha, pamitengo ya chiwongola dzanja, ma komiti, zilango, kukhazikika, ndi zina zambiri, adzayenera kukudziwitsani ndi chiyembekezo china kudzera m'kalata. Momwe mudzaulula momwe zinthu ziliri kubanki.
  • Unikani zonse zolembedwa kubanki omwe amakutumizirani, kuti akawone ngati pali vuto, kapena kulephera kuti pakhala zosintha momwe mwasainira kale.
  • Pofuna kusunga ndalama, mabanki sangakutumizireni zambiri zakomwe mukuyenda. Ngati ndi choncho, muyenera kuyang'ana pa kompyuta Kudzera nambala yolumikizira yomwe mudzapatsidwe kuchokera ku bungwe.
  • Ngati simukukhutira ndi mayendedwe aliwonse mumaakaunti anu, simudzakhalanso ndi yankho lina ayi lembani ndalama kubanki, koma mwachangu momwe angathere, popeza sikulangizidwa kuti mukhale nthawi yayitali osalankhula zochitikazo.
  • Osalemba ntchito mankhwala omwe simukudziwa kapena ntchito, popeza imatha kupanga zovuta zopitilira imodzi, ndipo ngakhale pankhani yazandalama, imatha kukupangitsani kutaya gawo labwino lazinthu zanu.
  • Ndipo pamapeto pake, yesetsani kuwonetsa banki yanu kuti ikhale yowonekera momwe zingathere, ndipo ngati sichoncho, nthawi zonse mudzakhala ndi nthawi yosintha zinthu.

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

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  1. Wotsogolera pazosankhazi: Miguel Ángel Gatón
  2. Cholinga cha deta: Control SPAM, kasamalidwe ka ndemanga.
  3. Kukhazikitsa: Kuvomereza kwanu
  4. Kulumikizana kwa zomwe zafotokozedwazo: Zomwezo siziziwululidwa kwa anthu ena kupatula pakukakamizidwa mwalamulo.
  5. Zosunga: Zosungidwa ndi Occentus Networks (EU)
  6. Ufulu: Nthawi iliyonse mutha kuchepetsa, kuchira ndikuchotsa zidziwitso zanu.