Maakaundi ekubhangi ndeimwe yezvigadzirwa zvekuchengetedza zvakanyanya zvakatengwa nevashandisi. Vese vakazvinyorera, kunangisa mabhiri avo epamba, vanogashira huwandu hwemubhadharo wavo kana kungo shanda nebhangi ravo remazuva ese Icho chigadzirwa chebhangi nyore chaizvo kushandisa uye izvo hazvidi ruzivo rwakakosha rwemari. Inogona zvakare kuve sosi yekufarira pachiyero chemasevha ako. Kunyangwe iine shoma shoma kudzoka semhedzisiro yemutengo unodhura wemari neEuropean Central Bank (ECB). Iine kukosha kweichi chinhu cheaseti pa0% uye pane dzakajairika nhoroondo.
Ese mabhizinesi emabhizimusi ane chigadzirwa chine hunhu uhu. Pasi pemafomati akasiyana: maakaunzi evechidiki, online kana kune vanozvishandira. Kune akawandisa ekuongorora maakaunzi sezvo paine vanogamuchira sevhisi sevhisi iyi. Nekuti ivo vakakosha kuita akasiyana mabhengi mafambiro kana kunyange kuwana kiredhiti kadhi. chikwereti kana kubhadhara. Muchidimbu, hazvigone kupotsa chero nguva. Chero mamiriro ezvinhu aunopa nguva dzose.
Chero zvazvingaitika, chimwe chezvipingamupinyi zvikuru zveichi chigadzirwa chemari chinosanganisira akateedzana emakomisheni anogona kukuvadza zvakanyanya zvaunofarira semushandisi. Kusvika padanho rekuti inogona kusanganisira yemari yegore ye pakati pemakumi maviri nemakumi mashanu euros anenge. Zvisinei, nhau dzakanaka ndedzekuti kubva zvino zvichienda mberi iwe unogona kubvisa izvi zvinodhura. Saka kuti nenzira iyi, kuve kwayo hakubhadharire imwe yuro. Haizove iri basa rakaomarara kuita uye iwe unongofanirwa kuteedzera akateedzana matipi anoshanda kwazvo kuzadzisa ichi chinangwa chaunoda.
Maitiro ekubvisa makomisheni?
Kana iwe uchida izvo kubva zvino zvichienda iwe hauna chero rudzi rwemabhadharo, iwe unenge usina imwe mhinduro kunze kwekusiyanisa zviito zvako semushandisi webhangi zvauri. Mupfungwa iyi, marongero aya muzviito zvako haangobatsire chete kubvisa izvi zvikwereti zvebhangi. Asi zvinogona zvakare kubatsira iwe kunatsiridza chimbadzo izvo zvinoshanda kwauri ikozvino. Nekuti mubairo wavo uri pazasi nhoroondo, nekudzoka uko kusinga pfuure iwo matanho e0,1%.
Uye zvakare, iwe uchave unokwanisa kuwana akateedzana e zvigadzirwa zvebhangi zvemahara. Pakati pezvimwe zvakakosha ndezvemakadhi ekubhengi, kuendesa nyika uye mune zvimwe zviitiko kubvumirana kwetambo yechikwereti mumamiriro ezvinhu akasarudzika. Ndokunge, nekutapudza kwemashoma gumi egumi muzana uchienzaniswa nemitengo yavo yepakutanga. Sezvauri kuona kubva ikozvino, iwe unogona kutambanudza account yako kupfuura zvawaifunga kubva pakutanga. Iwe unoda kuzviratidza here?
Maakaunzi ane yakananga kubhadhara
Iyo yekutanga sisitimu yekuwana account isina makomisheni inogadzirwa kuburikidza nemupiro wemubhadharo, pension kana kunyange yakajairwa mari. Iyi inzira yekubvisa zvese zvinoshandiswa pakubhadhara chigadzirwa chebhangi senge ichi. Uye zvakare, kudzoka pane zviyero zvinosvika pa5% zvinogona kugadzirwa. Sezvazviri mune chaiyo nyaya yeiya inonzi Payroll Account iyo Bankinter yakagadzirira vatengi vayo. Yepashoma huwandu hwakatenderedza chiuru euros. Iine mukana wekuti uve nemadhodhi anowedzera anosvika kune kukosha kwemari inosanganisirwa neaccount. Zvakare nekuwana kune akateedzana ezvikwereti mune yakasarudzika mamiriro.
Imwe yemabhenefiti akakosha eiyi modhi yekubatanidza inoreva kune mamwe mabhenefiti eiyi nzira yekutengesa. Pakati pavo, sarudzo yekunyorera nguva yakachengetwa ine gohwo rakakwirira kwazvo. Nekuti zvirizvo, iyi mhando account inokutendera iwe kuti uwane pundutso kuchengetedza kuburikidza nechigadzirwa ichi. Kunyangwe ichigoneswa chete kune zvidimbu mumatanho madiki kwazvo, kusvika kumadhora mazana maviri negumi anenge. Kana iri nguva yakanyanya kushoma, kubva pamwedzi mishoma kusvika kune rinopfuura gore rimwe. Pasina kukwanisa kumutsidzira pakupera.
Maakaundi akatorwa online
Imwe fomati inobvisa makomisheni iri online. Iyo iri nyore uye yakasununguka nzira yekugadzirisa ichi chigadzirwa chebhangi. Uye izvo zvakare zvinowedzera zvishoma purofiti, nezvikamu zvishoma zvegumi muzana zvichienzaniswa nemamwe emhando dzemhando. Pasina zvimwe zvekushandisa mune manejimendi kana kuchengetedza kwayo kuitira kuti kuchengetedza kwevashandisi kuenderere mberi gore rega rega. Kusvika padanho rekuti iwo ari maakaunzi ari kusimudzirwa nemasangano echikwereti nekupararira kukuru. Yakagadzirirwa marudzi ese evatengi, zvese zvitsva nezvakale.
Kune rimwe divi, maakaundi epamhepo anochengetedza ese mabhenefiti uye masevhisi echinyakare. Pasina kurega mabhenefiti aya kubva panguva chaiyo yekuita kwayo. Saka kuti nenzira iyi, iwe unokwanisa maneja kuchengetedza nenzvimbo dzakakura. Iwe une zvigadzirwa zvakasiyana siyana zvine hunhu uhu, zvese kubva kubhengi repamhepo uye zvinhu zvepanyama kuitira kuti iwe ugone kuchinjika kune zvako zvepedyo zvaunoda.
Kuvimbika kukuru kwevatengi
Mafomu epamhepo aripowo mune aya mamodheru emanagement. Izvo chete zvinodiwa zvichave ne kondirakiti yakawanda zvigadzirwa nebhangi rako rakajairika. Pakati pavo, zvirongwa zvepenjeni, mari yekudyara kana inishuwarenzi. Kuburikidza neiyi zano iwe unozogona kudzura dzese mari dzinobva muaccount yako account. Uye panguva imwechete iwe yaunowana akanakisa mamiriro ekushandisa kweakanyanya emabhengi masevhisi. Zvimwe zvibvumirano zvakagadziriswa zvichavandudza mamiriro eakaundi account. Iko kuvandudzwa kweichi chigadzirwa chemari kunotongwa neiyi uzivi.
Chimwe chinhu chaunofanira kufunga nezvacho kubva zvino zvichienda mberi ndechekuti makomisheni mune yerudzi urwu account anobviswa zvachose. Zvirinani sekureba sekunge iwe uchitevedzera zvinodikanwa zvaunopihwa kwauri nemasangano ekubhengi. Nekubviswa kwemhando dzese dzemakomisheni uye zvimwe zvinoshandiswa mukutarisira kana kugadzirisa. Ndokunge, mutengo weaya maakaundi uchave zero. Nezvaunogona kudzikisira izvi zvinogumbura gore rega rega kubva pakubhadharwa kwechero maakaundi ane izvi hunhu.
Nebasa rakagadzirirwa
Yekupedzisira sarudzo yekuti iwe haufanire kubhadhara imwechete euro kune yako yekutarisa account ndeye taurirana mamiriro acho nebhangi chairo. Zvekuti nenzira iyi, ivo vanokupa iwe nekusarudzika kurapwa muhukama hwako nechinhu. Zvisinei, havasi vese vatengi vanogona kuwana mamiriro aya. Kana zvisiri, pane kudaro, ivo chete vashandisi vebhengi. Kana zvirizvo, makorokoto, nekuti kubva zvino zvichienda mberi iwe uchabvisa izvi zvikwereti kubva kubhangi account yako.
Izvo zvinodiwa zvichaiswa kwauri kubva kumahofisi ebhangi zvinogona kunge zvakaomarara. Ehezve, iwe uchafanirwa kuve wakasarudzika uye nekupa yakachena kwazvo bhangi faira. Ehe haufanire kunge uri mukati zvikwereti zvikwereti. Uye kana iwe waita chibvumirano nezvimwe zvigadzirwa zvebhangi (zvirongwa zvepenjeni, mari yekudyara, zvirongwa zvekuchengetedza kana inishuwarenzi) zvirinani pane zvirinani kudzivirira zvaunofarira. Nekuti pakupera kwezuva ivo havazokubhadharise imwe yuro yekuchengetedza yako account yekuchengetedza. Kunze kwekuita kunoitwa nebhalansi inowanikwa mune iyi fomati.
Kubhengi kwepamhepo vs echinyakare kubhengi
Ehezve, chimwe chinhu icho iwe chaunofanirwa kuongorora kubva zvino zvichienda mberi ndechekuti internet kubhengi kunowanzoita nzira dzekuvandudza idzi nzira dzekuchengetedza. Nekuti zvirizvo, mune angangoitika ese vanopa maakaunzi akasunungurwa kubva kumakomisheni uye zvimwe zvakateedzana zvemari inoenderana navo. Chaizvoizvo nekuti manejimendi uye kuwana zvirimo zviri online fomati uye hazvidi huvepo hwepanyama revashandi kuti vakubatsire mukutora maitiro. Izvo, pamusoro pekuregeredzwa kubva pamubhadharo uyu, zvinokutendera iwe kuti uwane kudzoka kuri nani pane avhareji bhalansi inowanikwa mune yega yeaya maakaunzi.
Kune rimwe divi, iwe unozogona kuziva mutsauko wechiyero chako kana kufamba chero nguva uye mamiriro. Kunyangwe nekwaniso ye taura chero chiitiko kuti mugova nazvo. Semuenzaniso, kurasikirwa kana kubiwa kwechikwereti kana kiredhiti kadhi inosanganisirwa neakaunzi. Nezvakanakira kuti mashandiro aya anogona kuitwa chero nguva yezuva, kunyangwe husiku kana pakupera kwevhiki. Kusvika padanho rekuti iwe unenge uri mumamiriro akakwana kudzima kana kuvharira chimwe chigadzirwa chebhangi.
Chero zvazvingaitika, komisheni yekuregererwa inzira yekutengesa iri kusarudzirwa nemazhinji emabhangi eSpain. Nechikonzero chiri nyore kwazvo chekutsanangura uye icho chinosangana nechido chekuchengetedza vatengi vako Kuedza kuvadzivirira kuenda kune zvinokwidziridzwa zvakapihwa kwavari nemamwe masangano emari. Kuva chiyero chekutanga chavanotora kuitira kuti mushandisi arambe ari muchimiro chavo chenguva dzose. Chero zvazvingaitika, zvakare ichiperekedzwa neimwe nhevedzano yezvirongwa, sekuwedzera mubereko pachiyero kana kuwana kiredhiti kana makadhi ekubhengi zvachose mahara. Kunyangwe mune imwe nyaya chaiyo, iwe unogona kukumbira kumberi kune iyo mambure pamwedzi huwandu hwemari yako yekubhadhara kana yakajairwa mari