Akaunti yaukadaulo: yopanda ma komiti komanso ndi ntchito zambiri

Akaunti yaukadaulo ndi chinthu chomwe chimapezeka m'mabungwe onse obwereketsa ngongole ndipo chimadziwika makamaka chifukwa chimagwira sungani ndalama kuchokera pantchito zantchito ya ogwiritsa ntchito. Amalembera azamalonda, akatswiri owolowa manja komanso odzilemba okha ndipo ndi njira yothandiza kusamalira ndalama ndi kuwonongedwa kwa mbiri yamakasitomala awa muntchito imodzi yosungitsa kubanki.

Pofuna kugulitsa akaunti yaukadaulo, mabanki amaipereka popanda ndalama ndi ndalama zina poyang'anira kapena kukonza. Koma mulimonsemo, ndikofunikira kukwaniritsa zofunikira zingapo pakupanga kwake. Chimodzi mwazinthu izi zimadutsa bweretsani ndalama zamaluso kulandila omwe ali ofanana kapena opitilira 1.000 euros net pamwezi.

Nthawi zina, mikhalidwe yovutayi imayamba kulimba ndikufunira kuti angakhazikitse ndalama zosachepera zitatu kotala. Madipoziti ovomerezeka mu Professional Account ndi omwe amapangidwa ndi cheke kapena kusamutsa, kutumiza ndalama ndi ma POS. Palibe milandu yomwe imaloledwa kuyipangitsa kuti igwirizane ndi mayendedwe aomwe ali nayo.

Akaunti yaukadaulo: ali otani?

Zina mwazidziwikiratu m'kalasi la maakaunti aku banki ndikuti amalola aliyense wokhala ndi maakaunti awiri azikhalidwezi kuti alembetse. Malingana ngati amatsatira zomwezo ndikudziwitsa bungwe lazachuma pankhaniyi. Komabe, ndi maakaunti omwe nthawi zambiri amakhala mulibe malipiro apadera ndipo chiwongola dzanja chomwe chimanenedwa sichiposa 0,10% munthawi zabwino. Ngakhale atasinthana ndi ndalama kuchokera pomwe zimaperekedwa.

Chimodzi mwazinthu zomwe zimapangitsa kuti izi zizidziwikiratu ndikuti buku la cheke limatha kupemphedwa kwaulere kuchokera komwe omwe angagwiritse ntchito ndalama zawo. ikalembera, imanyamula khadi la ngongole kapena debit kwaulere kwathunthu pakuwongolera ndi kukonza. Kumene mungatenge ndalama pa ATM. Komanso, nthawi zina, ngongole yokhazikika mpaka 10.000 mayuro. Ndikubweza kwakanthawi kapena peresenti pa ngongole yonse, osachepera 3%.

Onetsani ntchito kotala lililonse

Mulimonsemo, akaunti ya akatswiri iyenera kukhala yogwira gawo labwino pachaka. Ndiye kuti, pangani mayendedwe osachepera atatu kotala. Popeza ngati izi zakonzedwa ndi mabanki sizikukwaniritsidwa zidzachotsedwa mosavuta ndi iwo. Kumbali inayi, ndichinthu chomwe chimakupatsani mwayi wopewa zowonjezera (mpaka ma 500 euros) mu akauntiyi. Kuti izi zitheke, mayendedwe awa samalangidwa, chifukwa mbali inayo zimachitika m'mabanki ena amaakaunti omwe amapita kuma magulu ena azikhalidwe.

Tiyeneranso kudziwa kuti mtundu wa akauntiyi umapanga maubwino ena omwe adzapindule kwambiri kwa omwe ali nawo. Mwa zina, ndizotheka kupeza zida zomwe zimathandizidwa makamaka kwa akatswiri kapena amalonda, monga magwero azachuma omwe adapangidwa kuti akwaniritse zosowa zawo pakusamalira mabizinesi awo. Monga a upangiri wapadera kukwaniritsa zosowa zanu zonse. Chilimbikitso china chomwe mabanki amagwiritsa ntchito pochita malonda ndi zomwe amapereka ku zomwe amatchedwa inshuwaransi yamabizinesi. Ndi ndalama zopitilira ma euro oposa 1.000 pachaka ndipo zimaphatikizira kufalitsa kofunikira kwambiri kwamakampani ang'onoang'ono komanso apakatikati. Potsirizira pake, amachotsa zolipira pamacheke ndi zolembera, kusamutsa ndi mitundu ina yazinthu zachuma. Mulimonsemo, bungwe lirilonse limapereka chizindikiritso china chodzisiyanitsa ndi zomwe akupikisana nawo.

Ubwino wa izi

Mulimonsemo, maakaunti akatswiri si chinthu chomwe chimangoyang'ana makasitomala onse. Ngati sichoncho, m'malo mwake, amapangidwira munthu wodziwika bwino komanso kuti ndi akatswiri kapena ogwira ntchito odzilemba okha omwe akufuna kukhala ndi chida chobanki kuti apange mabungwe awo amabanki. Kudzera mu chinthu chomwe chimakwaniritsa zosowa zawo powapatsa ntchito zabwino kwambiri ndi maubwino pantchito yawo. Nthawi zina, ngakhale mutakhala ndi mwayi wosunga ndalama chaka chilichonse kudzera m'makomishoni ndi zina zomwe mumayang'anira kapena kukonza. Akuyang'ana chiyani pambuyo pa zonse.

Mwakutero, maakaunti amaakaunti akubanki ndi chida chothandiza kwambiri chomwe mungagwiritse ntchito ndalama zanu, kulipira antchito anu kapena kulipira ngongole zanu pamwezi. Ndikukhathamiritsa kwakukulu kuposa momwe mungayang'anire kapena kusungitsa maakaunti omwe ali ndi mawonekedwe achikhalidwe kapena wamba. Komwe mabungwe amabanki amapereka ntchito zambiri ndi maubwino olunjika pagawoli lazachuma ku Spain.

Monga chinthu china chomwe chapangidwa posachedwa chomwe chimapanga nzeru zatsopano pamalingaliro ake, monga kusamutsa kwakanthawi, komwe kumafunikira milandu ingapo ndi akatswiri kapena odzilemba okha. Ndipo tifotokoza mwatsatanetsatane momwe aliri komanso ntchito ndi makina. Kuti mutha kuzigwiritsa ntchito kuyambira pano kutengera zosowa zanu mu bizinesi yanu kapena ukadaulo wanu. Chifukwa akhala mumsika wamabanki kwakanthawi kochepa kwambiri ndipo muyenera kudziwa bwino njira yolipirayi.

Zosintha nthawi yomweyo

Kusamutsa kwakanthawi ndi imodzi mwanjira zabwino kwambiri pakafunika kutero kutumiza ndalama kwa ena. Sitingayiwale kuti kusamutsa banki ndi njira yodziwika bwino yoperekera ndalama, kubweza ngongole kapena kulipira ndalama yobwerekera nyumbayo. Koma zovuta zoyipa zakusinthaku ndikuti zimatenga masiku 1 mpaka 2 kufikira pomwe wolandirayo azilandira. Zowona zomwe nthawi zina zimapanga zochitika zosafunikira kwenikweni kwa ogwiritsa ntchito kubanki.

Kuti athetse vutoli posamutsa anthu wamba, zatumizidwa nthawi yomweyo, zomwe nthawi zambiri zimafupikitsa opaleshoniyo mumphindi zochepa. Zotsatira zakanthawi kwambiri ndikuti kusamutsa ndalama kumachitika pafupifupi munthawi yeniyeni. Ichi ndiye cholinga chachikulu cha zomwe zimatchedwa kuti kusamutsa kwakanthawi komwe kumapangidwa kudzera mu TIP system (khalani ndi ngongole yomweyo) Kapena chomwecho, kulipira pompopompo. Mwanjira imeneyi, ndalama zomwe makasitomala amatumiza zidzafika komwe akupita posachedwa.

Kodi ntchito?

Ngakhale zingaoneke kuyambira pachiyambi, makinawa sanapangidwe pokhapokha ngati ntchito zikuchitika kuchokera kuzipangizo zamakono (mafoni, mapiritsi, etc.). Koma m'malo mwake, imasunga njira zachikhalidwe zamachitidwe ena operekera. Ndiye kuti, kuchokera kwa eni Nthambi ya Bank kapena kompyuta yanu. Ngati musankha njira yomalizayi, mudzakhala ndi mwayi waukulu kuti opareshoniyo imatha kuchitika nthawi iliyonse, ngakhale kumapeto kwa sabata. Popeza kufunika kwa makasitomala kukumana ndi kulipira kwachangu munthawi ya sabata ino.

Kumbali inayi, palibe chifukwa chofikira pantchito iyi yakubanki, ingovomerezani kuti ndinu kasitomala wazachuma komwe ndalama zimasungidwa kudzera muakaunti yofufuzira kapena zinthu zina zomwe zili ndi mawonekedwe ofanana. Ntchito iyi imaphatikizapo mtengo kuzinthu za Masenti 0,20 pa yuro pa ntchito iliyonse, ngakhale zitengera chisankho chanu kuti kuchuluka kwake kuthe kapena kusagwera kasitomala.

Zimaperekanso kusiyana kobisika, pankhani yosamutsa komwe kumawerengedwa kuti ndi kwachikhalidwe, ndikuti sipadzakhala mkhalapakati pantchitoyi. Pothandiza onse omwe adzakwaniritse zolinga zawo.

Zogulitsa

China chomwe chiyenera kuyesedwa posintha nthawi yomweyo ndikuti pali zoperewera poyerekeza ndi kuchuluka kwa ndalama zomwe zatumizidwa. Njira zolipirira izi zimalola mayendedwe pa akaunti omwe angafike pa kuchuluka kwakukulu kwa ma 15.000 euros. Ndi phindu lina lomwe sipadzakhala kuyembekezera chidziwitso chilichonse kuti kutumizidwa kwapangidwa molondola ndipo kwa wolandira. Chifukwa nthawi yomweyo lamulolo liperekedwa, zidzadziwika kuti opaleshoniyi yachitika mwachizolowezi.

Uwu ndi ntchito yomwe poyamba imathandizidwa kumayiko mamembala a European Union ndipo chifukwa chake idzakhazikitsidwa mwalamulo. Komabe, sizovuta kwambiri kufikira mgwirizano ndi mabanki kuti athe kupanga ndalama zina zapadziko lonse lapansi: mapaundi aku Britain, madola aku US kapena ma franc aku Switzerland. Poterepa, pakufunika chizindikiritso ku banki kuti chidziwitse zosowa zamakasitomala izi ndipo momwemo agwiritse ntchito a Commission yosinthira ndalama omwe amakhala pakati pa 0,20% ndi 1% ya kuchuluka kwa kusinthaku, kutengera bungwe lililonse lazachuma. Ndiye kuti, ndi gulu lomwe lidzalangidwa ngati mukufuna kutumiza ndalama kumayiko ena omwe sapezeka mu euro, monga United States, Great Britain kapena Mexico.


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