Kutsvaga kudzoka zvirinani kuaccount yazvino ndechimwe chezvikonzero chiri kukonzeresa vamwe vashandisi vebhangi kuenda kune zvinopihwa pachigadzirwa ichi chekuchengetedza munyika dzeEurope. Mamwe maakaunzi anouya kuzopa vatengi vavo avhareji mhindu pamusoro pe0,50%, ndiko kuti kutenderedza hafu yeperesenti poindi kupfuura maakaundi emunyika. Nekudaro, mune mamwe ma profiles evatengi ivo vanofunga maitiro ekuita maitiro aya nenzira yepamutemo kuitira kuti vasave nazvo chero mhando yechiitiko chepamutemo uye ndoda mari. Zvakanaka, zvinofanirwa kujekeswa kuti kunyorera account kunze kwenyika chimwe chinhu chiri nyore kwazvo kugadzirisa kana dzakateedzana zvinodiwa zvehutungamiriri zvasangana.
Mukutaura, kuvhura account kunze kwenyika kunogona kukupa iwe zvakanakira mune zvigadzirwa kana masevhisi akatorwa. Nevamwe intermediation margins izvo zvinogona kuoneka kuvandudza nezvishoma zvegumi muzana muzana pamusoro pemhando dzenyika. Kunyanya zvine chekuita nekondirakiti yeaya anonzi maakaunzi epamusoro-ekubhadhara. Nekuti zvirokwazvo, mune dzimwe nyika, kusanganisira mamwe ari munharaunda ye euro, vanopa chiyero chemubereko icho chingangove chine rupo kupfuura icho chiripo mumabhangi emunyika.
Chero nzira, iro dambudziko rakakura revashandisi vangave naro ndere maitiro ekugadzirisa maitiro ekuvhura account kunze kwenyika. Kuti chinhu ichi chigadziriswe, hapana zvirinani pane kukupa iwe diki gwara pamatanho aunofanirwa kutora kubva zvino zvichienda mberi kuti iwe ugone kugutsa ichi chishuwo muhukama hwako nenyika yemari. Saka kuti nenzira iyi, iwe uve nemikana mikuru yekuenzanisira account yako yekuchengetedza kuti ive nesimba gore rega. Zvirinani unogona kuedza nekuti Iwe hauna chaucharasikirwa nacho pamwe nekushandisa kweiri zano rebhangi. Zvinogona kunge zvakakodzera kuyedza izvozvi.
Sarudza kuongorora account
Dambudziko hombe rinogadzirwa nemaitiro aya kusarudza account yekuchengetedza iyo inokodzera kwazvo chimiro cheanokumbira nekuti iyo huwandu hwakawanda hwekupa huripo kunze kwenyika uye izvo zvinogadzirwa pasi penzira dzakasiyana dzemabhengi (kusimudzira, kuita kwakakwira, kwakabatana nemari inowanikwa, nezvimwewo). Chimwe chezvinhu chinofanirwa kufanofungidzirwa ndechekuti hapazove nesarudzo kunze kwekuita shanduko yemari mukuita, kana iyo nyika yakasarudzwa isiri mukati meyuro zone.
Kune rimwe divi, iri bhanga rekufambisa rinotakura komisheni pane kufamba kwemari kunogona simuka kusvika 1% pamari yakapihwa. Kune rimwe divi, zvichave zvakakosha kuti uongorore kana zvichizobhadhara kuita kuti mari iyi ibudiswe zvichipa purofiti yakaziviswa nebhangi idzva. Hazvishamise kuti purofiti nyowani iyo yavari kuzokupa inogona kunge isingakoshe nekuda kwematanho ekutonga aunofanira kugadzirisa kubva ikozvino. Chero zvazvingaitika, zvinoenderana nezvako zvaunofarira uye nezvavanokupa kunze kwenyika.
Zivisa mashandiro
Kugadziriswa kweaccount yazvino kunze kwemiganhu yedu kunoda kuti mibairo iratidzwe mune inotevera chirevo chemari. Iyi ndeimwe yemamiriro ekutanga ekuvhura account kunze kwenyika nenzira yakarongeka uye pamusoro pezvose zvinoenderana neiyo Zvisungo zvemari. Zvekuti nenzira iyi, muridzi weiyo imwecheteyo ari munzvimbo yekudzora mafambiro avo emabhangi pamberi pekuongororwa nevakuru vemitero. Chero zvazvingaitika, iko kwakareruka mashandiro ekuita mauri iwe unongoda chete kupa magwaro akaburitswa nebhangi idzva kwave nekuchengetedza.
Kunetseka nezve account yako balance
Izvo zvakakosha kuti uzive kana iyo bhezari yeiyozvino account yakavhurwa mune imwe nyika inodarika miganho yakamisirwa mumari, mu 50.000 euros. Nekuti kana izvi zvisiri izvo, muridzi weakaunzi haifanire kuziviswa kuvakuru vemitero. Asi kana vakapfuura aya maganho emari, vashandisi havazove nesarudzo kunze kwekurifumura mune chirevo chemari. Hapana miganho maererano nepakati nepakati yakatarwa neaccount account mugore remari. Nekuti kana maitiro aya asina kuitwa zviri pamutemo, mhosva yemutero inoitiswa inotakura faindi dzinorema kune vanopara mhosva.
Endesa zvese zvinyorwa
Maitiro ekutonga akakosha zvakare kuti uve wakadzikama usati waongorora mutero. Kuti uite izvi, uchafanirwa kutumira ruzivo nezve kwakatangira mari yakaiswa muaccount kune dzimwe nyika. Ivo vanogona kunyange, dai manejimendi anga asina kunyatsojeka nezve iyo kuzivikanwa kwemipiro yezvoupfumi iyi, inoda chirevo chemari yemakore mana apfuura. Zvekuti pakupedzisira mutengi haafanire kunetseka nezvekutora guta rake kuenda kune imwe nzvimbo isiri yake.
Kuziva nguva dzese kuti rudzi urwu rweakaunzi runofanira kubvumidzwa pasi pemamiriro akafanana nenyika yako. Iwe unofanirwa kupa gwaro rako rekuzivikanwa kana pasipoti uye hazvizove zvakakosha kuti uve nenzvimbo yekugara kunze kwemiganhu yedu. Uye zvakare, nekuda kwetekinoroji nyowani, maitiro ese aya anogona kuitwa online, zvakanaka kubva kumba uye pasina kuenda kumabhangi matavi.
Kuongorora account account
Aakaundi yekutarisa chibereko icho chaicho chinenge chakabvumirwa nevatengi vese nekuti ndiwo musuwo wekupinda kune chikamu chakanaka chemabasa ekubhengi. Sechishandiso chekuva nechikwereti kana kiredhiti kadhi, chinja kune vechitatu mapato kana kuti uwane mari yemubhadharo mwedzi wega wega. Nekudaro, kana isina kuisirwa yemahara emakomisheni, hapazove nesarudzo kunze kwekubhadhara imwe mari inotorwa mukushandisa kwayo. Dzinogona kuve dzakakwira kupfuura izvo vashandisi pakutanga zvavanofunga uye mune chero zvazvingaitika zvinogona kusanganisira a Kubhadharwa kweanopfuura zana maeuro. Chidzidzo chesangano revatengi chinoratidzira misiyano inosvika kuma250 euros pagore zvichienderana nechinhu chinoburitsa.
Nechikonzero ichi, zvakakosha kuti usati wasaina chibvumirano cheakaundi, mushandisi anoziviswa nezvemakomisheni anogoneswa uye mune mabhenji mashandiro avapo. Zvekuti kubva pakutanga iwe unokwanisa kuronga mashandisiro ako uye nezano ripi raunofanira kushandisa kurerutsa idzi mhosva nekuda kwegore rega. Izvo zvinoto shanda seyakakodzera sosi yekuongorora kusarudza yakanakisa yazvino account mubhengi chikamu zvinoenderana netsika dzako uye chimiro semushandisi mukirasi ino yezvigadzirwa zvemari.
Overdraft kubhadhara
Kunyangwe iri nhoroondo yakanyoreswa, pane mubhadharo wekuti hapana muridzi anogona kuubvisa, kunyangwe kana ikabhadharwa mahara emakomisheni uye imwe mari yekushandisa. Ndiyo iyo inoreva kumakomisheni ekuve mune yakatsvuka nhamba muaccount uye inotyiwa zvakadaro chirango chako chepamusoro. Kungoshandisa mari yakawandisa kupfuura yatinayo, masangano emari anogona kubhadharisa mazuva ese kuti chigadzirwa ichi chakafukurwa. Kuburikidza nechirango chakapetwa chatinoisa pachena pazasi
Komisheni pane iyo debit balance: ndiyo iyo chikamu icho chinoiswa pane yakanyanya mari iyo inowanikwa pane vane chikwereti nzvimbo. Ivhareji yayo yakatenderedza 4,50%, kunyangwe dzimwe nguva mabhanga pachawo akavakirwa pamari yepasi isingasviki makumi maviri euros. Chimbadzo pachikwereti: ndiyo mari inoiswa pamusoro penguva yechikwereti uye inogona kutungamira kumari inobhadharwa nebhangi kuve yakakwira kupfuura iya yekutanga inofungidzirwa nemushandisi. Izvi imhaka yekuti iyo debit balance inowedzerwa Kwemazuva anoitwa overdraft uye inogona kusvika pamutero padyo ne10%.
Makadhi, macheki uye anotamisa
Mamwe emabasa emabhengi akajairika uko masangano emari anobhadharisa mari yepamusoro kune vatengi vavo ndeayo ane chekuita nemakadhi echikwereti kana echikwereti uye kuendeswa. Pane yekutanga yavo, ekugadzirisa uye matsva makomisheni anoiswa izvo anotarisana pakati pe20 ne40 euros gore rega, zvinoenderana nemhando yakanyoreswa uye chinoburitsa chinomirira kushambadzira. Ehezve, kunze kwekunge varidzi vakagara mubhadharo wavo kana mari yavanowana kana kutenga nenzira iyi yekubhadhara pamusoro pemari yakatarwa nemabhangi.
Kubhangi kuendesa uye cheki dhipoziti, kune rumwe rutivi, ndeimwe sosi inoshuma yakatarwa mari gore rega. Nezve iyo yechipiri yezvigadzirwa zvebhengi, inosanganisira mutengo we0,3% yemari, iine mashoma emadhora matatu pamutero, nepo mukushanda kwepasi rose kukwira kusvika pa3%. Nezve kuendeswa kwebhangi, vanopa makomisheni e7,5% kana akagadzirwa pakaunda uye zvimwe zvakachipa kuburikidza neInternet, kutenderera 0,50%. Nepo kune rimwe divi, iwo anodomwa seanokurumidza anogona kukwira kusvika pa0,30%, zvakapetwa kaviri zveizvo zvinowanzoitika kufamba. Mune angangoitika ese, ivo vanogadzira mutengo uyo pasina imwe sarudzo asi kubhadhara.