Makomisheni matsva uye kutakurika mumabhangi account

Kubva mukati memavhiki mashoma, vashandisi vebhengi vanogona kuve nemhanza nekuda kwemitemo mitsva yemabhengi iyo yakatenderwa nevakuru veSpain. Nechinangwa chikuru che kuona maakaundi emabhangi. Kubva pamatanho maviri ekuona, kune rumwe rutivi, chinobva pane zvaunoshandisa. Uye kune rimwe divi, iko kusununguka kwekuchinja yako account yekuchengetedza chero nguva muhupenyu hwako. Kubva pane ese maonero maonero, hapana mubvunzo kuti iwe unozobatsirwa nekushandiswa kwemitemo mitsva.

Chimwe chezvinhu zvekubvumidzwa kwezviyero zvakadaro ndeye homologate nenyika dzakavakidzana. Uye kupi, kusvikira zvino, vashandisi veSpanish vakanyatso tariswa mune zvavo zvido, sezvaunozoona kubva zvino zvichienda mberi. Kune rimwe divi, iwe uchave nemukana wekutora iro rakanakisa ruzivo kuti ubude kunze kwehukama hwako nemasangano echikwereti zvakanaka. Chinhu chinouya chinobatsira kugadzirisa yako yekutarisa account account pakupera kwegore.

Kubva pane ino maonero akawandisa, iyo yekutanga nhau iyo inokukanganisa iwe nekuremekedza iyo kuchengetwa kwenyaya ndeyekuti kubva kumavhiki mashoma iwe uchafanirwa kubhadhara mashoma makomisheni uye kunyangwe ese manejimendi uye ekugadzirisa mari yemhando iyi yezvigadzirwa zvebhengi. Kusvikira pakuti ichabata vese vashandisi, nechinodiwa chega chekuva muridzi weakaundi yezvinhu izvi. Hazvishamise kuti zvese zvinotenderedza aya akakosha nhau zvakagadzirirwa ichi chigadzirwa chemari. Hazvishamisi kuti, ndiyo yakanyanya kubhadharwa nechero mutengi chimiro. Pamusoro pevamwe zvirokwazvo anofarirwa neakafanana.

Makomisheni: anosvika matatu euros

Ino yave nguva yekuti iwe uzive kuti ndeapi makomisheni auchazove nawo kubva zvino kuenda mberi ekuhaya basic bank account. Mutemo mutsva unoda kuti masangano emari ivo havazokwanise kukubhadharisa anopfuura maeuro matatu pamwedzi. Kana chii chakafanana, kapu yegore rega ye36 euros. Kunyangwe isiri yakanyanya kuwanda mari, zvirinani kuti ichakubatsira iwe kuve nemari uye uve nemari yakawanda mubhalansi yako gore rega. Icho chinhu chinokubatsira iwe kubva kune ese maonero maonero, sezvaunozoona kubva kune chaiwo nguva.

Eya, mukati meichi chirevo chakazara chakapihwa neakakosha maakaundi, chikuru hunyanzvi ndechekuti mabhangi haakwanise kukukotamisa mitengo inoshusha chaizvo, sezvazvinoitika kwauri kusvika zvino nemakomisheni eakaundi account. Nekuti zviriko, kubva panguva yekushandisa kwayo ivo havazokwanise kukubhadharisa chero chemari dzinobhadhariswa kuaccount yako account. Kubva pane ino maonero, hapana mubvunzo kuti iwe unozobatsirwa kubva pachiyero ichi. Nekuti zviyero zvemitengo iyi zvinotangira kubva zero kusvika kumatatu euro.

Mhosva mumatare asina kukodzera

Nekuda kwekushandisa kweichi chiyero chebhangi, mabhanga haachakwanise kudarika huwandu hwemanotsi aya. Nekuti kana zvirizvo, unogona kutora mari iyoyo yekutora zvisirizvo uye nemasangano emari anofanirwa dzokera kwauri nekukurumidza sezvazvinogona zvambotaurwa. Kunze kwezvimwe zviitiko zvaizogadzirwa nemaitiro akaipa emabhengi aya. Hazvishamise kuti kusimudzira kwekujekesa kukuru ndicho chimwe chezvinangwa zvikuru zvekuzadzikiswa kwemutemo mutsva uyu. Pamusoro pehumwe hunyanzvi hwekufunga hwakatorwa mukuitwa kwayo.

Nekudaro, zuva iro danho rebhengi rinozotanga kushanda harisati ratsanangurwa. Zvichifungidzirwa kuti ichasvika nekutanga kwematsutso, Pakupera kwaGunyana kana mumazuva ekutanga aGumiguru. Nenzira iyi, iwe uchafanirwa kumirira vhiki shomanana kuitira kuti mabhanga arege kudarika maeuro matatu muripo wemakomisheni eakaundi maakaundi. Hazvishamise kuti chirongwa chekufananidza nedzimwe nyika munzvimbo yedu yepedyo. Semuenzaniso, mumarudzi enharaunda ye euro. Mupfungwa iyi, haugone kukanganwa kuti izano rakaitwa nemasangano enharaunda uye kuti chinangwa chavo ndechekuchengetedza vashandisi vebhangi.

Mahara kutakurika pamaakaundi

Chero zvazvingaitika, kukamurwa mumakomisheni eakaundi account ndiyo chete chiyero chauchacherekedza mumavhiki mashoma. Kana zvisiri, pane kudaro, zvakare zvine chekuita nerusununguko rwekuchinja maakaundi. Nekuti zvirizvo, zvinofungidzirwawo kuti iwe unogona kutakura account yako yekubhangi kune imwe yeakafanana maitiro emahara, chero bedzi maitiro aya asina kunyanyisa kuomarara usapfuure mazuva gumi nematatu. Kubudikidza nekuita kwakafanana chaizvo neya mafoni. Ndokunge, iwe uchave uine zvimwe zvivakwa zvekuchinja maakaunzi uye kutora mukana kune akawanda akapihwa ayo mabhanga anga achigadzira.

Chero zvazvingaitika, pane musiyano wakakura mune ese maitiro uye ndiyo iyo inoreva kune yekutarisa account account. Nekuti hazvizove zvakafanana, kana zvisiri izvo zvinopesana ivo vanozove mamwe akasiyana manhamba. Ichi chinhu chinogona kunge chiine kumwe kuomarara kwezvikwereti zvakanangana zvemabhiri epamba awunayo panguva iyoyo. Semuenzaniso, iwo emvura, magetsi, gasi, nhare kana chero imwe. Kwete pasina, iwe unenge usina imwe mhinduro kunze kwekuvazivisa nezve shanduko muakaundi yako yekutarisa kuitira kuti vagone kunyatsogadzirisa mhosva nekuda kweaya masevhisi epamba.

Zvakanakira chiyero ichi

Mune chero imba, kuvandudzwa kwekuisa account yako yekutarisa kune chimwe chinhu kunosanganisira akateedzana mabhenefiti aunofanira kufunga nezvayo kubva zvino zvichienda mberi. Mamwe acho akakosha chaizvo uye anogona kukubatsira kubata ichi chigadzirwa chemari nekuchinjika kukuru kubva panguva iyo danho rambotaurwa rinoshanda. Pakati payo pane anotevera mabhenefiti atinoisa pachena pazasi.

• Iwe unenge uine rusununguko rukuru kusarudza kuti ndeipi account yekutanga inokodzera iwe nguva dzese. Mukati mechipo chakakosha icho mabhengi akagadzirira iwe uye ayo anotengeswa pasi pemaitiro akasiyana uye masevhisi.
• Kubva pakutanga iwe unobvisa makuru matambudziko ayo anosanganisira takura account yazvino. Zvekuti kubva panguva idzodzo kuvhiyiwa uku hakubhadhare iwe kana zvirinani sarudzo yawakaita maererano nechigadzirwa chemari ichi inogona kuve yekusingaperi.
• Unogona kuita oparesheni iyi ita kakawanda sezvaunodaMune mamwe mazwi, nenzira isina muganho uye uko sarudzo yako yekusarudza iyo yaunofunga seyakanakisa account kuti udzivirire zvaunofarira ichakunda.
• Icho chirongwa chinoshanda kwazvo icho chinokubatsira iwe gamuchira kukwidziridzwa kuti mabhangi anga achikurudzira. Nemamwe mamodheru ane hukasha uko mamwe masevhisi uye mabhenefiti akaverengerwa.
• Iwe haufanire kuchengetedza chero nguva yekugara zvachose. Asi pane zvinopesana, iwe unogona kuchinja yako bank account chero nguva uye pazuva raunofunga rakakodzera. Pasina kurambidzwa kwerudzi rupi zvarwo uye pasina kudzima masevhisi anobva mukutora kwako.

Inobata sei kufarira?

Kune rimwe divi, kuiswa kweichi chiyero hakunei nekuita kubatsirikana kwaro. Zvicharamba zvakafanana kusvika zvino, Pasina chero mutsauko. Nekuti kufarira kwazvino maaccount hakuna chekuita nemakomisheni uye zvimwe zvinoshandiswa mukutarisira kwavo kana kugadzirisa. Izvo zvinhu zvakasiyana zvachose uye chero zvazviri, ivo vanofanirwa kuremekedza muripo wavanokupa iwe panguva yekuchinja. Nguva dzose iri pasi penzvimbo dzakashomeka dzekutengesa semhedzisiro yekudzikiswa kwemutengo wemari iyo miviri yemunharaunda yakaisa mukuita.

Kubva pane ino maonero, mhedzisiro huru yauchacherekedza nekushandisa kweichi chitsva chebhengi chiyero ndechekuti iyo chaiyo purofiti inogadzirwa neichi chigadzirwa ichave yakakwira. Semhedzisiro yeiyo kubviswa kweiyi mari zvishoma zvaunoda pachikamu chako uye kuti vanokwanisa kusvika kusvika kungangoita zana kana mazana mairi euros gore rega. Ikozvino mari iyoyo ichaenda yese kuitira kuti iwe ugone kuiwana ichi muchibhengi chigadzirwa kune manejimendi ekuchengetedza kwako. Ndokunge, iwe uchave uine huwandu hwemvura kubva panguva iyoyo chaiyo. Hazvina kuwanda, asi zvinoshanda kubhadhara zvimwe zvinoshandiswa pamba kana kungokupa iyo isinganzwisisike yako whim.

Chero zvazvingaitika, zviri nyore kwazvo kuti uongorore kubva zvino zvichienda mberi kuti ndeapi mamiriro ekubvumirana eakaundi yako wega kuti uone kana zvichibatsira kushandura chigadzirwa chemari ichi. Nekuti ringave riri remahara basa, asi zvinotora nguva kuti iwe unogona kuzvipira kune mamwe mabasa kana zviitwa. Nekuti nguva zhinji mhinduro yedambudziko iri haisi yekuchinja maakaundi, asi kungo taurirana nezvayo neyakajairika bhangi. Nguva dzose zvakavakirwa pane zvaunofarira, zvinova ndizvo zvazviri nezvazvo. Chero zvazvingaitika, inhau dzakanaka kuchengetedza chinzvimbo chako semushandisi webhangi.