Kodi ndalama zapaintaneti zimabweretsa chiyani?

ndalama zapaintaneti Chimodzi mwazokopa zopezera ndalama zapaintaneti ndikuti madipoziti achizolowezi samabweretsa phindu lokwaniritsa zosunga zanu. Pakadali pano samapereka zoposa 0,50%, ngakhale mawonekedwe omwe amakhala kwanthawi yayitali amalembetsa. Zonsezi zidayamba zisankho za European Central Bank (ECB) za tsitsani mtengo wa ndalama. Ndipo izi zapangitsa kuti izipezeka pamiyambo, pa 0%. Ndi zinthu zonse zosungidwa monga otayika kwambiri panjira ya ndalama.

Kuti muwonjezere magwiridwe antchito, sipadzakhalanso chosankha koma kulembetsa ku mitundu ina yomwe ingakonze ma margins. Zachidziwikire, si magawo owoneka bwino kwenikweni, koma osachepera kuti akweze pakati pa theka ndi peresenti. Ndipo tengani kufika pafupifupi 1,50%. Zimatheka kudzera m'madipoziti yolumikizidwa ndi chuma chachuma (msika wogulitsa, zopangira, magawo azachuma, ndi zina zambiri), kukulitsa zokhazikika, ndikupita kukatsatsa komwe mabanki akhala akuyambitsa pafupipafupi.

Koma ngakhale zili choncho, mutha kupeza njira ina yosavuta yopangira kuti ndalama zanu zizipindulitsa mukamalemba ganyu. Ndipo gawo lina la masheya apaintaneti, omwe ndi omwe analembetsa kuchokera ku njira zamakono zatsopano. Mwina kuchokera pa kompyuta yakunyumba, pa piritsi, kapena ngakhale pafoni yomwe mumayenda nayo nthawi zonse. Sikuti magwiridwe awo amakula mopitilira muyeso, koma mukwaniritsa zowonjezera za magawo khumi mwakulemekeza miyambo.

Kodi ndalama zapaintaneti zimapezedwa bwanji?

Izi zomwe zimasungidwa kubanki zimakhala ndi kusiyana koyamba ndikuti zitha kupangidwa kukhala zovomerezeka bwino, kuchokera kunyumba komanso kudzera pa intaneti osafunikira kupita kunja, kapena kusaina kunthambi iliyonse yabanki. Sizingakhale zofunikira kuti mupereke dongosolo logulira pafoni. Ndi mwayi wowonjezerapo kuti opaleshoniyi mutha kutero nthawi iliyonse patsiku, ngakhale usiku ngati mukufuna. N'zosadabwitsa kuti kusinthasintha ntchito ndikulemba chimodzi mwazomwe zimadziwika pa intaneti.

Mukungoyenera kulumikizana ndi mawu achinsinsi omwe amaperekedwa kale ndi bungwe lazachuma, ndipo, ndiye, muli ndi ndalama zofunikira kuti mutumizire malonda. Nthawi yomweyo, ndipo popanda kufunika kotsimikizika kuchokera kwa omwe amapereka ndalama. Zotsatira za njirayi, kukhazikitsa kwake kudzakhala kosavuta kwa ogwiritsa ntchito. Kukhala wokhoza kusankha pakati pa mitundu yomwe imawonetsa izi.

Pali malingaliro angapo omwe mabanki ambiri apanga, ndi mawu osiyana kwambiri omwe amayamba kuchokera osachepera mwezi umodzi. Komabe, malingaliro omwe atenga nthawi yayitali amaonekera poti palibe. Kulamulidwa, mulimonsemo, ndi kulipira chiwongola dzanja utakula. Ndili ndi njira zochepa zowapititsira patsogolo, monga momwe amachitirako malinga ndi zikhalidwe zonse, kapena kuperekedwa mwanjira ina, ndalama zisanachitike.

Kodi amachita bwanji?

phindu lomwe amapereka Malipiro omwe amaperekedwa kwa omwe amaisunga sikuti nthawi zonse amakhala ofanana, chifukwa zimatengera mtundu wosankhidwa. Koma normaly masanjidwe omwe ali pakati pa 0,50% ndi 1,00%, kutengera mawonekedwe awo komanso nthawi yomwe yasankhidwa, ngakhale malingaliro ena amawakhudzira kukwezedwa kwapadera kuti akope ndalama kuchokera kwa makasitomala atsopano. Mulimonsemo, popanda maulalo, kapena njira zina zakukhulupirika. Ndi funso lazosintha zomwe zimasunthika pansi pazomwe amatsatira polemba ntchito.

Kupanga kwa zinthu zosungazi kwakhudza kwambiri kuthetseratu zopinga zauboma zikuyenera kugwiridwa ndi ogwiritsa ntchito kubanki kuti alembedwe ntchito. Ndipo chifukwa cha njira yamalonda iyi atha kukonza phindu lawo. Silikuganiza kuti ndizokwera kwambiri, koma kuti zithandizira kulipirako pang'ono zomwe amasunga. Kukhala chilimbikitso chake chachikulu.

Zoyipa pakulemba ntchito

Ngakhale maubwino amapitilira pazovuta zomwe zimachitika chifukwa chogwiritsa ntchito mabanki, sikofunika kuti muchepetse mithunzi ina yoperekedwa ndimafomu apa intaneti. Osatengera phindu lake, koma njira yolembetsera. Woyamba wa iwo amachokera ku zoperewera kuzinthu zina zokhazikika. Zotsatira zake, ndi chiwongola dzanja chapamwamba pang'ono.

Limodzi mwamavuto omwe izi zimachitika chifukwa chakanthawi yayitali, zomwe zimangokhala ndalama kuchokera kuzinthu zina, kapena makasitomala atsopano. Kuchepetsa mwayi wazowerenga ena, omwe adzayenera kutsatira malingaliro ena amtundu wina kuti awonjezere malipiro awo chaka chilichonse.

Ndikosavuta, komano, werengani mosamala zolemba zabwino za mgwirizano zopezeka pa intaneti, ngati pangakhale lamulo lililonse loletsa. Makamaka chomwe chimatanthauza kuchotsedwa kapena kukonzanso kwake. Nthaŵi zambiri ntchitoyi singachitike, ndipo mwa ena imangolangidwa ndi komiti yomwe ingachepetse phindu lamtsogolo. Kwa izi, ndikofunikira kuti zikhalidwe zawo zikuwonekeratu pamawebusayiti. Popanda kuthekera kotha kusamvana, komwe olandila mankhwalawa amakhala olakwitsa kwambiri.

Kutengera ndi izi zomwe zimaperekedwa ndi ma depositi apaintaneti, mwayi waukulu kwambiri umaperekedwa, ngakhale popanda zachilendo zambiri pakufotokozera mawonekedwe ake. Mutha kupeza kuchokera pazotsatsa zapadera, kwa makasitomala atsopano kapena zomwe zilipo kale, kuzikhalidwe zokhazikika. Ndipo kusiyana kwakung'ono komwe ali nako ndi iwo omwe makolo anu adapanga.

Tiyeneranso kudziwa kuti malingaliro abwino osungidwa amachokera munthawi zotsatsa, komanso kuti monga chinthu chatsopano pankhani yazosungira zina, mabungwe ena amaphatikizira mphatso zotsatsira monga cholowa m'malo mwa ndalama. Kubwezera, ndizosavuta kulembetsa, ndipo ndalama zochepa zomwe angalembere ntchito ndizotsika mtengo kwambiri kwa mabanja onse. Kuchokera ku 1.000 euros, ndikuti ngakhale ndalamazi zimachepetsedwa mwa ena mwa iwo.

Zimatsimikizira pakupereka

amatitsimikizira pa intanetiKupeza kontrakitala pa intaneti, monga mitundu ina, kumatsimikizira ndalama zomwe mwapeza komanso chiwongola dzanja cha masungidwewo mpaka atakhwima, osadandaula zakusintha kwamsika. Pokhapokha atalumikizidwa ndi chuma china chodalira ndalama. Kuchokera pano amapereka chitetezo chathunthu, popeza safunanso kudziwa zambiri za omwe adzawafunse. Kukhala yopanda kawopsedwe kali konse kapangidwe kake.

Koma, chimachitika ndi chiyani ngati banki yomwe ikubweretsa izi ithe? Izi zikutanthauza kuwonongeka kwakukulu kwa ogwiritsa ntchito. Osati pachabe, Thumba la Guarantee Fund limawatsimikizira mpaka 100.000 mayuro ngati izi zingachitike mwadzidzidzi. Vutoli lidzabwera chifukwa chokwera kwambiri. Koma kuti kudzera mu njira yosavuta ingapewedwe.

Zimakhala ndi kutsegula madipoziti angapo pa intaneti m'mabanki osiyanasiyana pazotsimikizika kwambiri. Kotero kuti motere, ndalama zimatetezedwa nthawi zonse, ngakhale zitakhala zoopsa kwambiri. Ndipo ndendende chimodzimodzi monga momwe zimasungidwira kudzera mumachitidwe achikhalidwe chawo. Palibe kusiyana, chifukwa chake mawonekedwe awo ndi ofanana. Kufikira momwe angaganiziridwe kuti ndiotetezeka.

Zomwezo sizichitika ndi zilembo zakubanki, zomwe sizimatsimikizira kuti zopereka zidaperekedwa. Ndipo zitha kukhala pachiwopsezo chachikulu kwa omwe ali nawo, ngakhale atayang'aniridwa ndimikhalidwe yofananira, popanda kusiyana kulikonse. Komanso ndi masamba ofanana ofanana. Nthawi zonse pansi pa 1% yotchinga.

Mukupeza chiyani?

zopereka zochokera pa intaneti Osangowonjezera magwiridwe antchito, koma muli nawo ufulu waukulu wowakhazikitsa. Mutha kupanga mbiri yazomwe mungakonde, posankha mawonekedwe oyenera nthawi zonse. Chofunika kwambiri, kusinthidwa ndi mbiri yanu ngati wopulumutsa wamba. Mudzakhala omwe mumasankha mwayi wabwino wopangidwa ndi msika wama banki. Popanda otetezera, kapena maubwenzi ena ndi banki.

Chinthu china chodziwikiratu chomwe ma depositi apa intaneti ali ndichakuti nthawi zambiri amakhala madipoziti osapitsidwansondiye kuti, amangoimitsidwa pokhapokha atakhwima. Popanda kuthekera kowakonzanso. Monga momwe sizimapereka mitundu yoyambirira momwe mungasinthire ndalama zanu. Komanso alibe mwayi wopanga zochititsa chidwi kwambiri, kapena ndi mawonekedwe abwino. Chilichonse ndichabwinobwino mgululi.

Malangizo okulembera

Ngati mukufuna kuti njira yolembetsera ikule bwino, simudzachitanso mwina koma kuitanitsa mizere ya zochita. Kuti mupindule ndi njira yosungirayi kuyambira pano. Muyenera kumvera malangizo otsatirawa.

  • Iwo ali makamaka cholinga chakanthawi kochepa kwambiri, kuyambira mwezi umodzi mpaka chaka chimodzi. Kutumikira ngati mlatho wazinthu zina zopindulitsa.
  • Onani zopereka zonse zopangidwa ndi gawo la banki kuti muzindikire zomwe zingakupindulitseni kwambiri. Nzosadabwitsa kuti mutha kuwongolera ndi magawo khumi.
  • Zokonda pa intaneti nthawi zambiri amaperekedwa pamalonda zomwe zitha kukhala zosangalatsa kwambiri pazochitika zanu monga wopulumutsa. Yesetsani kupeza zomwe zikugwirizana ndi mawonekedwe anu.
  • Ngati zomwe mukufunadi ndizopindulitsa kwambiri, kulibwino kuletsa kulembetsa kwanu ndikuyang'ana njira zina zomwe zingakwaniritse izi. Ndikutsimikiza kuti malingalirowo sadzasowa mulimonsemo.
  • Zikhala zabwino kwambiri kutchuthi kwanu nthawi zonse kunyamula mafoni, pazifukwa zilizonse, muyenera kutsegula malo mu intaneti.
  • Kukhazikitsa kwake sizikulipirani chilichonse. Popeza ali ndi pakati osapatsidwa ma komiti ndi zina zothandizidwa poyang'anira kapena kukonza. Mosiyana ndi zinthu zina zachuma zomwe zidaphatikizidwa mgwirizanowu.

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.