Iwe ungadzivise sei mubhadharo pamakadhi ebhangi?

makadhi Kiredhiti kadhi ndeimwe yenzira dzakasarudzika dzekubhadhara kune vashandisi veSpanish. Izvi zvinoratidzwa zvinoenderana nedhata rakapihwa neBhangi reSpain rePayment Systems department, iyo inosimbisa kuti kune vanoverengeka kuSpain. Mamiriyoni 48,09 emapurasitiki aya. Iko pasina kana mushandisi anopfuura makore gumi nemasere ekuberekwa asina nzira yekubhadhara maitiro aya. Chinhu chinotaura nezvekukosha kuri kuita makadhi muhupenyu hwezuva nezuva hwevagari.

Makadhi echikwereti ave iwo akakosha poindi yekuwana zvimwe zvezviridzwa zvemari zvinofarirwa nevaSpanish dzosera zvawakatenga. Kuburikidza zvakasiyana nzira kuti vanga vachiita uye izvo zvinobvumidza vashandisi kubuda nekukurumidza. Pamwe kuburikidza nemubhadharo wakazara pakupera kwemwedzi kana kuburikidza nekubhadharwa kwezvikwereti zvemwedzi wega wega kana muzana yechikwereti. Hazvishamise kuti iko kuchinjika kwekutonga ichi chigadzirwa chebhangi ndechimwe chezvakakurumbira.

Zvisinei, makadhi havawanzo buda mahara, asi zvinopesana ivo vanotakura akateedzana emakomisheni uye mari mukutarisira kwavo uye kugadzirisa ndiko kunetsekana kukuru kuvashandira. Sezvo zvingangoitika kwauri iwe pane imwe nguva muhupenyu hwako. Ichi ndicho chikonzero nei chikamu chakanaka chevashandisi chichiedza kudzima kana kuti zvirinani kudzikisira mari idzi dzebhangi. Mupfungwa iyi, kune akawanda marongero avanayo kuitira kuti pakupedzisira kondirakiti yeichi chigadzirwa chebhangi chiripo mumashandiro evatengi hachiunzi chero kubhadharwa.

Makadhi: kubatanidza kune vanobhadhara

Ehezve, imwe yeanoshanda masystem ekuzadzisa ichi chinodiwa chinangwa chakanangana nekubatanidza mubhadharo kana pensheni kubhengi account. Pfungwa iyi inowanzo fananidzirwa neinonzi kubhadhara maakaundi uye ayo angangoita ese emari masangano ane modhi yeaya maitiro. Ivo vanopa avo vanobata kune akasiyana mabhenefiti emarudzi ese asi imwe yeanonyanya kukoshesa ndizvo chaizvo izvi. Nekugadzika kwayo iwe unowana kuve nechikwereti kana kiredhiti kadhi zvachose mahara. Pasina kusangana nechero mubhadharo weayo manejimendi kana kugadzirisa.

Chikamu chakanaka chevatengi vebhangi vanosarudza iyi modhi yekuvimbika kuve nemapurasitiki avo. Nekuti zviri nyore kwazvo kuisimbisa uye iwe unogona kutonatsiridza purofiti yemasevha akachengetedzwa. Nekuti mukuita, ivo vanopa chiyero chemubereko icho muzvikumbiro zvine hukasha zvinogona kusvika mazinga anosvika 5%. Chinhu chisingafungidzike panguva ino nekuda kwekudzikiswa kwemutengo wemari nevemunharaunda masimba emari. Uye izvo zvakatungamira kune yepakati purofiti yezvigadzirwa zvemari izvi zviri kutenderedza 0,10%.

Kune vatengi vanosarudzika

vatengi Pasina nzvimbo yekuti kuva mutengi akanaka ine zvayakanakira uye chimwe chazvo ndiko kubviswa kwemakomisheni uye manejimendi mari mu kiredhiti uye makadhi ekubhengi. Mune ino kesi, iwe unongofanirwa kutaurirana aya mamiriro kuti afarire zvaunofarira. Hazvishamise kuti iyi kirasi yevatengi haina chero mhando matambudziko ekuti vasvike kune ino yekutanga nzvimbo kubhangi ravo. Kunge mamwe akateedzana mabhenefiti ayo mamwe maakaundi ebhangi anotambura nawo Pakati peavo vanomiririra kubviswa kwemakomisheni ese emabhangi, kuwana mukana wekukwikwidza wemari muhuwandu hwakawanda hwemitsetse yechikwereti kana kutokupa mari yekumberi.

Ehezve, chimwe chezvinangwa zvikuru zvemasangano emari iri mubayiro wako wakanaka vatengi. Uye kana vaine yakasimba kwazvo account account, zvakanyanya zviri nani. Zvido zvako zvichagutswa zviripo pakarepo uye pasina iwe kuti ubhadhare kana kunyorera kune zvimwe zvigadzirwa zvemari. Semuenzaniso, zvirongwa zvepenjeni, mari yekudyara kana chero chigadzirwa chakagadzirirwa kuchengetedza. Pamusoro pekutanga kubva pazvinzvimbo zviri nani kugadzirisa mamiriro ekubvumirana kwechikamu chakanaka chezvigadzirwa zvemari. Kana iwe uri chikamu cheboka iri, makorokoto, nekuti hauzobhadhara euro imwe chete kune yako muridzi wechikwereti chako kana makadhi ekubhengi.

Inopa vatengi vatsva

Iyi kondirakiti system ndeimwe sarudzo iwe yaunayo panguva ino yekuregererwa kubva kumakomisheni uye mari pachikwereti kana makadhi ekubhengi akatorwa. Kusvika padanho rekuti chirauro chinoshandiswa nemasangano emari kutora mari yevatengi. Sezvo mune mamwe mamodheru akambofumurwa, iyi inopa mamwe maficha anogona kubatsira iwe kubva ikozvino. Sezvo mukana we nokunyora magwaro dhipoziti ine purofiti yakakwira kupfuura iko zvino. Iine avhareji kudzoka pane kuchengetedza kwe1,50%.

Iri kirasi reakaunzi rinonyanya kuratidzwa nekuchinjika kwaro sezvazvinogadzirirwa zvemarudzi ese emaprofiles. Kubva kuvashandisi vekare kusvika kuzvikamu zvidiki zvevagari. Iko hakuna kuganhurirwa, asi zvinopesana, zvimwe zvezvakanaka zvacho zvine yakatarwa zuva rekupera. Iyi ndiyo mamiriro ezve nguva dhipoziti uye ivo vanokupa iwe yakafararira kudzoka chete kwenguva yakati. Kazhinji panenge pamwedzi mitanhatu kana gumi nemiviri uye chete yechikamu chemasevha. Inogona kunge iri imwe yesarudzo dzakanakisa kuti uwedzere nzvimbo dzako kubva zvino zvichienda mberi.

Maakaunzi ari online fomati

paIndaneti Kana paine chimwe chinhu chinosiyanisa maakaundi azvino anoitwa zviri pamhepo, ndezvekuti ivo vanokutendera kuti uvandudze mamiriro echinhu ichi chemari. Nekuda kwe mari shoma kuti masangano emari anofanira kutakura. Nekuda kweichi chiito, iwe zvirokwazvo uchabvisa makomisheni kubva zvino zvichienda mberi. Uine mukana wekuti iwe unogona kuvhura iyi yekushambadzira fomati zvakanaka kubva kumba kwako kana kubva chero kwauri, senge kunzvimbo yako yezororo. Uye zvakare, ivo vanogara vaine zvishoma zvegumi zvakanyanya mumubhadharo kubva kune yekutanga euro.

Maakaundi epamhepo, kune rumwe rutivi, ari nyore kwazvo kubvumirana uye anowanzozara nezvipo uye kukwidziridzwa izvo zvinokubatsira iwe kuchengetedza hukama hwakanakisisa nebhangi rako rekare. Icho chigadzirwa chiripo mune zvinopihwa zveese emabhangi masangano kuti iwe ugone kubata yako mari kunyangwe kubva kune nhare kana zvimwe zvinotsigira zvetekinoroji. Icho chiri pachena kumusoro chigadzirwa icho chinowanikwa kune vese vashandisi. Kwete pasina, iwe unongofanirwa kuve nechunhu chehunhu uhwu kwaunogona kushanda nebhangi raunoda.

Kubva pamapuratifomu matsva emari

Imwe yemidziyo yekupedzisira yauinayo kubva ikozvino kuenda kune iyo nyowani tekinoroji kubhengi uye kugutsa izvi zvishuwo. Nekuti zvirizvo, kubva panguva yekutanga maakaunzi ese anogoneswa neichi chakakosha ficha. Iko kwaunogona kusarudza kuti ndeipi kadhi iwe yaunoda kuregererwa kubva kumakomisheni uye zvimwe zvemaneja mari. Kana kadhi rechikwereti kana zvinopesana nemadhigidhi fomati, nguva dzose zvichienderana nezvinodiwa chaizvo. Uye zvakare, mhuri yako inogona kubatsirwa nezano rebhizinesi iri nekuve ne kadhi rekuwedzera kune hama yemubati weakaunzi.

Chero zvazvingaitika, iyi isisitimu inoshandiswa nevashandisi vadiki kuti vatore yavo yekutanga kiredhiti kana kiredhiti kadhi. Nekuda kweakakosha hunhu hweiyi kirasi yemabhengi maakaundi. Muzviitiko zvese, kuita kwayo kurongeka inoendeswa kuburikidza nemhando itsva yetekinoroji. Chinhu chinogumira kupinda kwayo kune vatengi vekare vane dambudziko rakakura pakubata neaya midhiya yeruzivo. Chero nzira, iyi imwe nzira inonakidza kwazvo yekuchengetedza zvaunofarira mune chero mamiriro ezvinhu anomuka izvozvi.

Kushanda kubva kumakadhi

mabasa Mune imwe tsinga, zviri nyore kwazvo kuti iwe uzive kuti kubva kune iyi yepasirese nzira yekubhadhara iwe unenge uri mumamiriro ari nani ekushanda pamwe nebhangi rako. Iwe unogona kubvisa mari kubva kumaATM chero nguva yezuva, kuita deposits kana kugadzirisa dzimba huru dzemhuri (mvura, magetsi, gasi, nezvimwewo). Kune rimwe divi, iwe unogona kuita iyo kubhadhara kweako kutenga mune ese ezvokutengeserana zvivakwa. Nesarudzo yekumisikidza kubhadhara mumwedzi yakati wandei, ivo vanotova zvido kuburikidza nenzira dzakasiyana mumapurasitiki. Saka kuti nenzira iyi, iwe unogona kusvika munzvimbo iri nani pakupera kwemwedzi.

Imwe mukana weiyi nzira yekubhadhara inogara mukuti iwe unogona kuzvipa iwe nekushomeka pese paunoda. Kunyangwe iwe uine mukana weakateedzana ekusimudzira uye zvinopihwa izvo zvinokutendera iwe kuti uve nezvidimbu uye mabhonasi pakutenga kwakaitwa. Kana kuti kugadzirira nzendo dzako dzezororo (pekugara muhotera kana kubhadharisa mota, pakati pemamwe masevhisi akakosha. Muchidimbu, akasiyana masevhisi anogona kuuya anobatsira muhupenyu hwako hwezuva nezuva.


Izvo zviri muchinyorwa zvinoomerera pamisimboti yedu ye tsika dzekunyora. Kuti utaure chikanganiso tinya pano.

Iva wekutanga kutaura

Siya yako yekutaura

Your kero e havazobvumirwi ichibudiswa. Raida minda anozivikanwa ne *

*

*

  1. Inotarisira iyo data: Miguel Ángel Gatón
  2. Chinangwa cheiyo data: Kudzora SPAM, manejimendi manejimendi.
  3. Legitimation: Kubvuma kwako
  4. Kutaurirana kwedata
  5. Dhata yekuchengetedza: Dhatabhesi inobatwa neOccentus Networks (EU)
  6. Kodzero: Panguva ipi neipi iwe unogona kudzora, kupora uye kudzima ruzivo rwako