Kubhadhara maakaunzi chigadzirwa chebhangi uko kwakawanda mari inogona kunyorwa nevanoibata. Izvo zvakakoshawo kune zvine chekuita nezvimwe zvigadzirwa zvemari, semuenzaniso, kiredhiti kana makadhi ekubhengi kana nguva yekuisa. Naizvozvo, hazvifungiki kusave nechigadzirwa chine hunhu uhwu nekuda kwemipiro mizhinji uye masevhisi ayo ainopa kune vashandisi.
Kubva pane ino yakajairika mamiriro, pane akateedzana mabhenefiti ayo asingamboshayike muacompment account. Uye kuti isu tichaenda kuvafumura kwauri muchinyorwa chino kuti iwe ugone kuvaongorora kubva zvino zvichienda mberi. Nekuti vamwe venyu vanogona kunge vasingavazive panguva ino uye hapana mubvunzo kuti vanogona kubatsira zvakanyanya kuchengetedza zvido zvako zvese semushandisi. Iko, chokwadi, zvichazonyanya kukosha izvo hauna account yacho mune mamiriro e overdraft Nechikonzero chakareruka chekuti iwe unogona kubhadhara akawanda, pamwe akawandisa, makomisheni eaya asina kunaka akanyoreswa kuaccount yako.
Chero zvazvingaitika, chimwe chezvinhu zvako zvekutanga zvichave kunyorera account yeaya maficha asingabvumirwe makomisheni uye zvimwe zvinoshandiswa mune manejimendi kana kuchengetedza kwayo. Sechirongwa chakakosha kwazvo kuchengetedza mashoma euros gore rega rega kuburikidza nekuburitsa kwaunogona kudzivirira kuburikidza nekushandisa mamwe marongero mukutungamira kweichi chigadzirwa chebhangi. Kunze kwekumwe kufunga kwehunyanzvi uko kwakajairika mashandisiro auri kuzopa account yekuchengetedza. Iko kuchazove kwakanyanyisa kuti iwe uzvitorere mukutora kuti uve nerudzi urwu rwemari inokosha.
Mariro yeakaunzi iri kutarisira
Dzimwe dzadzo dzinozivikanwa kwazvo pakati pevashandisi vebhangi ndidzo dzatichatsanangura pazasi uye dzauri kunyatso ziva nadzo. Izvo chaizvo nekuda kweichi chikonzero iwe unofanirwa kuti uzviongorore pazasi kuitira kuti iwe usakanganwe chero ruzivo rwezvazvinoumba semitero kuburikidza nedhiti kana bhangi account. Pakati pavo izvo zvatinokufumura pazasi:
Kuchengetedza account: ndicho chinzvimbo chinotarisira iyo account kuitira kuti mutengi agone kushanda nayo.
Kuburitswa nekuchengetwa kwedhidhi kadhi: iro sangano rinopa kadhi rekubhadhara rakabatana neakaundi yevatengi. Huwandu hwese hwezviitiko zvinoitwa nekadhi hunobhadhariswa zvakananga uye zvizere kuakaundi yemutengi.
Kuburitswa uye kugadziriswa kwekadhi rechikwereti: iro sangano rinopa kadhi rekubhadhara rakabatana neakaundi yevatengi. Huwandu hwakazara unoenderana ne mashandiro akaitwa nekadhi panguva yakabvumiranwa yenguva inozara zvizere kana zvishoma chikamu kuakaundi yemutengi pazuva rakabvumiranwa. Muchibvumirano chechikwereti chakatemwa pakati pesangano nemutengi, zvinotariswa kana chimbadzo chashandiswa kune iyo mari yakarongwa.
Akawanikwa munhoroondo
- Wakawana pachena: iro bhizimusi nemutengi vanobvumirana kare kuti vekupedzisira vanogona kunge vaine mari kana pasina mari inowanika muaccount yavo. Chibvumirano chinotara huwandu hwakawanda hunogona kuwanikwa uye kuti mutengi anofanira kubhadhara makomisheni uye mubereko.
- Tacit yakawanikwa: iro sangano rinoita kuti mari iwanikwe kune mutengi iyo inopfuura iyo inowanikwa iripo muaccount yavo Chero zvazvingaitika, hapana chibvumirano chekutanga pakati pesangano nemutengi.
- Chinjana: Ichitevera rairo yemutengi, sangano rinoendesa mari kubva kuaccount yemutengi kuenda kune imwe account.
- Standing hurongwa: Kutevera mirairo yevatengi, mubato nguva nenguva unoendesa imwe huwandu kubva kuaccount yemutengi kuenda kune imwe account.
Kubviswa kwemari kubva kumaATM
Kubvisa mari kubhadhara nekadhi kumaATM: uko mutengi achibvisa mari kubva kuaccount yavo kuburikidza neATM yeimwe sangano, nekadhi, nekuda kwebhalansi iripo.
Kubvisa mari pachikwereti Nekadhi kumaATM Mutengi anobvisa mari kuburikidza neATM yesangano rake kana chimwe chinhu, nekadhi, kana mari yacho ikafukidzwa nekiredhiti kiredhi yakavhurika mutengi uye zvisinei nemari iripo muaccount.
Yekuzivisa basa (SMS, email kana zvimwewo): Sangano rinotumira ruzivo nezve mafambiro akaitwa muakaundi yevatengi neSMS, email kana imwe tekinoroji yakafanana. Kutaurirana uye kujekesa cheki. Kune rimwe divi, hatigone kukanganwa kuti sangano rinotora matanho anodiwa kuti riwane muunganidzwa wecheki.
Kudzoka kwemacheki: mune ino kesi, iro bhodhi rinoita zviito zvinokonzereswa nekusabhadharwa cheki nechimwe chinhu.
Mari inoshandiswa
Chimwe chinhu chinofanirwa kutariswa mukirasi ino yezvigadzirwa zvemari kana zvebhangi kubhadharisa uko kuchabhadhara kune varidzi vacho. Nekuti ivo vanowanzo takura mitero iyo ingavade ivo neakaundi mareji ayo anogona kubva kubva mashoma mairi kusvika kuma200 euros mumamodeli akawedzera. Zvekuti nenzira iyi, vanhu ava vanokwanisa kuita ese mashandiro uye mafambiro atakataura nezvayo muzvikamu zvakapfuura. Uye kuti vazhinji vavo vanogona kubatwa nekushamisika nemubhadharo wekuti vachazounzwa kubva kubhangi ravo rekare.
Nhau dzakanaka, pane kudaro, kuti vanhu ava vachave nadzo ndeyekuti akawandisa uye mazhinji maakaundi ekubhadhara anotengeswa akasununguka emakomisheni, zvirango uye zvimwe zvinoshandiswa mukutarisira kwavo kana kugadzirisa. Saka nenzira iyi, unogona ponesa akawanda maeuro gore rega uye chii chakanyanya kukosha, pasina kusiya chero sevhisi kana kupihwa neichi chigadzirwa chebhangi chakakosha kwazvo pane zvese zvatinoda. Ndokunge, akasununguka zvachose kubva pakutanga. Kuve kumagumo ezuva izvo isu zvatiri kutsvaga pamusoro pezvimwe zvinoonekwa zveimwe hunhu.
Mamiriro ezvinhu mukuhaya kwako
Kuti uwane zvinangwa izvi zvakamirirwa kwenguva refu, ndiko kuti, kubvisa mari yeakaunzi iri kutarisira, nzira dzakasiyana dzehunhu hwakasiyana dzinogona kugadzirwa. Imwe yeanozivikanwa pari zvino inogadzirwa kuburikidza ne payroll yakananga kubhadhara kana kugara uchiwana mari kune vanozvishandira. Mhosva idzi dzinobva dzanyangarika kubva kumaaccount edu uye chii chinonakidza, nekukasira. Saizvozvo, zvinotibvumidza kunakidzwa nemamwe masevhisi ebhengi kana zvigadzirwa mahara. Semuenzaniso, nemakadhi echikwereti kana echikwereti.
Kune rimwe divi, isu hatigone kukanganwa kuti imwe hurongwa yatinogona kushandisa kubvisa izvi mari kubva kuaccount inochengeta zvinoenderana nekunyorera aya mamodheru emaneja nezvikumbiro zvinosanganisira izvo komisheni kusunungurwa uye zvimwe zvinoshandiswa mukutarisira kana kugadzirisa. Mupfungwa iyi, maakaundi anosanganisira izvi zvinobatsira zvakanyanya pachedu kana bhizinesi zvido zviri kuramba zvichingowanda. Nekuti zvirizvo, ichi chigadzirwa chebhengi chine hunyanzvi kwazvo kuitira kuti chisatibhadharire imwe euro.
Nemabhonasi pamainvoice
Imwe yemipiro iyo maakaunzi anotungamira anotipa ndeyekuti isu tinogona kugara chero mhando ye maretiiti kana mabhiri epamba (magetsi, gasi, mvura, nharembozha, nezvimwewo). Pasina chero rudzi rwezvirambidzo uye nemukana wakakura wekuti mune mamwe mamodheru ekuchengetedza pane mukana wekuti chikamu chemari yakabhadharwa paakaundi chidzorerwe kwatiri. Ichokwadi kuti huwandu hwacho hausi kunyanya kuda uye hunongosvika kusvika ku3% pavari. Uye zvakare, iine muganho wepamusoro pane kudzoka uko kunowanzo kumisikidzwa kutenderedza zana nemakumi mashanu emamiriyoni kana makumi maviri emadhora.
Chero zvazvingaitika, kuti uwane iyi nzira yekutengesa pachikamu chemabhangi, zvinofanirwa kuita kontrakiti yekuchengetedza kana kutarisa account inobvumidza iyi mhando accounting mashandiro. Nekuti mazhinji acho haana kupihwa mvumo yekutanga mari idzi pamari dzeaccount dzeiyi pfungwa. Chete mune mamwe mamodheru ndiyo iyi inofungidzira mukana unopihwa kuti uwane yakawanda kuchengetedza gore rega. Zvisinei nemitero inoitwa nguva zhinji uye nemabhosi ane chigadzirwa ichi chekuchengetedza.
Nezvinhu zvese
Chero zvazvingaitika, iwe unenge wakwanisa kuongorora zvinhu zvakawanda zvaunogona kuita neakaunzi yako iri mubhadharo uye zvirokwazvo kuti kubva ikozvino uchave uine mamwe mazano ekuti uzviise mukushandisa kubva kune ichi chishandiso chine simba chiripo mune chero yemari institution . Beyond kumwe kwekufunga kwehunyanzvi uko kunenge kwatove iko nyaya yezvimwe zvinyorwa kuti iwe ugone kuzvinzwisisa zvirinani.
Semhedziso, iwe uchauya zvechokwadi kune zano rekuti haugone kurarama pasina nhoroondo yehunhu uhwu. Izvo zvakakosha kune chero mhando ye hukama nenyika inogara yakaoma mari. Kune rimwe divi, usakanganwa kuti zvichatibvumidzawo kunakidzwa nemamwe masevhisi ebhengi kana zvigadzirwa mahara. Semuenzaniso, makadhi echikwereti kana echikwereti, mari yekudyara kana kuita chero shanduko, ingave yenyika kana kunze kwemiganhu yedu. Icho chigadzirwa chinonyanya kukosha kune wese munhu.