Mari-isina mubereko mari kubva kumakadhi echikwereti

kufarira

Zvakajairika kuti kana pakaitika kushanda kwakashata mumisika yequity une mamwe matambudziko kuti uve ne kukwana kwakaringana muakaundi yako yekutarisa. Kunyanya kana iwe usina kutsigirwa nemubhadharo kana mari inodzokororwa. Ehezve, mamiriro asingadiwe kune vemuzvinashawo uye ane mhinduro yakaoma kwazvo. Chimwe chezvishoma zvigadzirwa zvebhangi izvo zvinogona kukubatsira iwe kuti ubve mudambudziko iri makadhi echikwereti. Asi izvo ivo vane yakajeka chaizvo peculiarity uye izvo ndezvekuti iwe haufanire kubhadhara mubereko pasi pechinhu chipi zvacho.

Iyi kirasi yemakadhi echikwereti inobvumidzwa nemabhangi. Asi neakanyanya kutaurwa hunhu, sezvo iwe uchizokwanisa kuongorora kubva zvino zvichienda mberi. Nekuti mukuita, zviri nezve plastics izvo zvinoitirwa chete zve consuno. Uye nekudaro, iwe haugone kuishandisa kune zvimwe zvinangwa, sekunge iwe usinga kwanise kutora chero mari kubva kumabhangi matavi kana maATM. Iwo mutsauko wekutanga uyo unosiyanisa aya makadhi kubva kune mamwe ese.

Ivo vanoitwa kutenga mu nzvimbo dzekutengesa nemhando. Kunyangwe ichichengetedza mabasa akafanana nechero kiredhiti kadhi yakakosha munyu wayo. Kazhinji mukuvimbika kwayo fomati. Izvi zvinorevei? Zvakanaka, chimwe chinhu chiri nyore senge iwe unofanirwa kuve wakatendeka kune iyo centre kana yekutengesa brand. Nekuti nekudzoka, ivo vanokupa iwe mamwe mabhenefiti uye chimwe chakanyanya kukosha ndechekuti iwe unogona kumisikidza kutenga pasina mubereko kana zvimwe zvinoshandiswa mukutarisira kwavo. Semhedzisiro yemaitiro aya, vashandisi vari kuenda nedambudziko remari vachange vari munzvimbo iri nani yekusvika pakupera kwemwedzi nebhalansi yeakaundi account iri riine hutano.

Kiredhiti kadhi: hapana mubhadharo wakabhadharwa

Neiyi yakasarudzika nzira yekubhadhara, hapana mubvunzo kuti iwe uchave unokwanisa kuita akateedzana ekutenga, asi pasina kukwidza yako mwero wechikwereti. Hazvishamisi kuti ichi ndicho chimwe chehunhu hwayo uye chinomira kunze kwevamwe. Kusvika padanho rekuti ivo havawanzo kushayikwa muhuwandu hwevashandisi vebhangi. Nekuti zvakare inokutendera iwe kuti urambe uchinakidzwa neakajairika makadhi echikwereti. Kuburikidza nekutengeserana kwenhoroondo uye kufamba, kwakadai sekubvisa mari kubva kumaATM, kuendesa kune yako yekutarisa account kana kubhadhara paInternet.

Nekudaro, iyi yakasarudzika nzira yekubhadhara inobvumidza varidzi vayo kuti vadzosere kubhadhara munzvimbo huru dzezvitoro. Zvekuti nenzira iyi, ivo vanokwanisa kusvika mune iri nani mamiriro pakupera kwemwedzi uye kudzivirira zvimwe zvinoshandiswa kubva kusanganisa bhajeti yako yemhuri kana wega. Icho chikonzero cheichi kuva chakadai ndechekuti kunonoka kwekubhadhara kuchaitwa pasina chero rudzi rwechido. Mune mamwe mazwi, pa0%, fomura yakanakisa yekusawedzera huwandu hwechikwereti chevashandisi vebhangi.

Mari dzeiyi diki mari

Iko kufamba mukutenga kwakagadzirwa nekirasi iyi yemapurasitiki hakutakure chero kufarira. Asi panenge pasina mushonga asi kutevedzera nguva dzakatarwa dzekudzoka kwayo nekuti chirango cheichi chiitiko chakanyanya. Nechiyero chinogona kusvika kusvika pa20% mune dzimwe nyaya dzinonyanya kukosha. Ingozi inoitwa nevatengi uye nekudaro kurangwa kwekubhadhara mari paaccount chichava chinhu chakakosha kwazvo mukuvandudzwa kwakakodzera kwemakadhi echikwereti.

Kune rimwe divi, hazvigone kukanganwika kuti nzira iyi yekubhadhara, kazhinji, haibatanidzi mari mukuburitswa, manejimendi uye kugadzirisa kadhi. Kana zvisiri, pane kudaro, kuhaya kwako hakuna mari kubva pakutanga kwekuita kwayo. Kusiyana nemamwe mapurasitiki ane mafetiraiza anogona kusvika zana euros pagore kune aya mazano. Kubva pane ino maonero, aya makadhi echikwereti anonyanya kubatsira kune muridzi wekadhi. Nekuti, pamusoro pezvo, kukosha kwayo kunopfuura chero kusahadzika kana kune hukama nekushandisa.

Mazuva ekupedzisira ekumbomiswa

nguva dzekupedzisira

Sezvakataurwa mune iyi ruzivo, imwe yemabhenefiti ayo akakosha ndeyekuti hapana kufarira kunoitwa pakutenga kwakaitwa. Asi kwenguva yakareba sei? Zvakanaka, kwenguva iyo inowanzo shamisa kubva pamwedzi mumwe kusvika kumatanhatu uye zvichienderana nemhando yekadhi yakasarudzwa. Chero zvazvingaitika, hapana makadhi eakareba ekubhadhara mazwi. Nekuti mune izvi zviitiko zvinotengeswa pasi pekushandisa kwehuwandu hwechimbadzo hunogona kusvika zvakakwana 20%. Kunze kwemasevhisi uye mabhenefiti ayo kadhi rinoitwa nawo.

Zano rekuita basa iri rinokonzerwa ne mutengi kuvimbika paunenge uchiedza kukurudzira kutenga kwako mune imwe nzvimbo yekutengesa kana kungori muchiratidzo. Mutengo uyo varidzi veiyi nzira yekubhadhara vanayo ndeyekuti ivo vachazokwanisa kudzosera mabasa aya pasina mubereko. Ndokunge, ivo vanongofanira kunetsekana nezvekudzosera mari yavakabhadhara mumabasa avo ebhizinesi. Hapana chimwe chinhu, kunyangwe makomisheni kana zvimwe zvinoshandiswa mukutungamira kwayo. Ndicho chinhu chikuru chinokurudzira kushambadzira ichi chigadzirwa chemari uye pamusoro pezvimwe kufunga.

Chikwereti muganhu pamakadhi

Ehe, iwe hauna chikwereti mune zvakajairika pfungwa yezwi. Kana zvisiri, pane kudaro, inoitirwa chete kugadzirisa zviri pamusoro kupfuura zvimwe zvese. Asi kunyangwe zvakadaro, zvinokutendera kuti uve nemari pachikwereti icho iri pakati pe makumi maviri nemakumi maviri nemairi euros. Uye izvo zviri kuvandudzwa sezvo mari inodzoserwa mumitemo yakabvumiranwa nemasangano emari. Kune rimwe divi, ivo anoshandiswa zvakare kugadzira nzvimbo dzevashanyi, senge kutora tikiti yendege kana kuhaya pasuru yezororo kunzvimbo yekufambisa.

Pane kupesana, izvo zvisingakwanise kuitwa mune yechikwereti modhi kuita kwechikwereti. kubvisa mari pamapazi ebhangi kana maATM. Aya mafambiro emari akachengeterwa rimwe kirasi yemamwe makadhi echikwereti. Hazvishamisi kuti makadhi aya haana kugadzirwa kuti agutse izvi nezvimwe zvinangwa zvekutengesa zvevapi veiyi nzira yekunyepedzera yekubhadhara mune yazvino kubhengi kupihwa. Nekuti haifanire kukanganikwa kuti haisi kadhi rakajairwa.

Akabatana mabhizinesi

zvitoro

Kana aya makadhi echikwereti akasiyaniswa nechimwe chinhu, imhaka yekuti muchikamu chikuru chebhengi chinopihwa, mapurasitiki akabatanidzwa kune anotevedzwa mabhizinesi. Semhedzisiro yemaitiro aya, chinangwa che mutengi kuvimbika Nenzira iyi, kuwanda kwepurasitiki kuchishandiswa, iwo mabhenefiti akakura anowanikwa nevaridzi veiyi nzira yekubhadhara. Nekuti ivo zvakare vachange vari muchinzvimbo chakanakisa kutora mukana izvo zvinopihwa uye kukwidziridzwa kwenzvimbo idzi dzekutenga nenzvimbo. Beyond masevhisi uye mabhenefiti anopiwa neiyi yakasarudzika nzira yekubhadhara.

Zvakanakira

Kana aya makadhi echikwereti achizivikanwa nechimwe chinhu, imhaka yekuti varidzi vavo vanogona zvakare kuve ne akasiyana siyana emari mikana, kusanganisira maitiro pasina muripo kune vashandisi uye kuti zviri sei mune ino kesi. Kusvikira uchidzosera mubhadharo wezvawakatenga kwemwedzi inosvika gumi nemaviri nemari yekudyidzana iri pakati pe12% ne15%, zvinoenderana nemhando yepurasitiki yakasarudzwa nevashandisi vebhangi. Kune rimwe divi, ivo vane imwe sarudzo iyo iri pamusoro pekukumbira mashandiro mukumisikidzwa kwavo kuburikidza neaya anonzi echipo zvikwereti. Ndokureva, nekukurumidza, asi tichifungidzira kufarira maitiro aro.

Kubva pane ino maonero, iri kirasi yezvikwereti kuburikidza nekadhi rehunhu hunofanirwa kushandira buda mukukurumidza, pasina kukwidziridza mwero wechikwereti, chiri kupera kwezuva icho chiri nezve. Nekuti kune rimwe divi, hazvikurudzirwe kuramba pfungwa yekuti aya makadhi ane chinhu chakasimba chebhizimusi uye kuti chinobva mukuvimbika kwevanobata. Hazvishamisi kuti zvichakubatsira iwe kukwidziridza yako chikamu chechikwereti mumwedzi iri kuuya kana kunyange makore.

Hapana kudikanwa kwekutsanangurwa

makadhi

Imwe yemaonero ayo akawedzerwa ndeyekuti haufanire kutsanangura kuti ndeipi chinangwa chauri kuzopa kukirasi ino yezvikwereti zvidiki. Unogona kuita chero chaunoda nacho, pasina chero rudzi rwezvikonzero mudare redzimhosva. Pane rimwe divi, rubatsiro rwayo runongoitika ipapo ipapo sezvo uchigona kuchiwana paunenge uchichida iwe pachako. Nekuti iwo mutsetse wechikwereti wakabatanidzwa nemamiriro ekadhi ane hunhu uhu. Naizvozvo, iwe hauchazoda kubvumidzwa kwayo kunoenderana sezvo wabvumidza pamberi.

Chekupedzisira, yeuka kuti urwu rudzi rwemari runowanzo kuve rwakabatana nguva dzose necustomer chikamu uye rine chinangwa chekuti unotenga zvakawanda kupfuura nakare kose. Kunyangwe pamubhadharo wekunakidzwa akasiyana siyana ezvekutengeserana rombo uye ndipo ndipo apo makadhi aya anovandudza zano ravo. Kunze kwemasevhisi akajairwa ane izvi zvigadzirwa zvemabhangi.


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  1. Inotarisira iyo data: Miguel Ángel Gatón
  2. Chinangwa cheiyo data: Kudzora SPAM, manejimendi manejimendi.
  3. Legitimation: Kubvuma kwako
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  5. Dhata yekuchengetedza: Dhatabhesi inobatwa neOccentus Networks (EU)
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