Nguva zhinji, chimwe chinhu chatinoita kubvisa matambudziko patinenge tichibhadhara zvakare mariti ekubhadhara akananga. Asi zvakadini kana iwe usingadi kuramba uchibhadhara zvakadaro? Hapana dambudziko, nekuti chiito ichocho chinogona kugadziriswa, asi ndinobvisa sei risiti? Zvinogona kuitwa here?
Kana iwe uri kufunga nezve kanzura chero sevhisi yaunogara asi iwe hauzive zvaunofanira kuita kuti uzviite, tozotaura nezvazvo.
Chii chinonzi direct debit
Usati wataura newe nezve kudhibhita kwakananga uye kuti ungazviita sei, iwe unofanirwa kuziva zvatiri kutaura nezvako nedhibhiti yakananga. Iri ndiro izwi iro rinozivikanwa naro, kunyangwe paine rimwezve, Debit SEPA, rinova zita mu "banking jargon".
The direct debit imvumo yaunopa, seane account, kubhanga. Yechii? Zvakanaka, kuti ave uyu uyo, pasina kufanira kugamuchira maodha kubva kwatiri nguva yese risiti inopfuudzwa kubva kukambani iyoyo, anobhadharwa otomatiki. Nemamwe mashoko, imvumo yatinopa bhanga kubhadhara imwe kambani pese parinogamuchirwa risiti, pasina kutibvunza.
Chinhu chakajairika ndechekuti izvo isu domicile magetsi, mvura, nharaunda yevavakidzani, inishuwarenzi, kutenderera mapuratifomu ... marisiti atinoziva anouya pamwedzi uye kuti, pane kutarisira kubhadhara mwedzi wega wega, tinorega bhangi riite.
Direct debit marudzi
Pakati pemhando dzemadhibhiti akananga aunogona kuita ndeaya anotevera:
- Yemitero. Mune mamwe mazwi, pachinzvimbo chekubhadhara mutero mwedzi mitatu yega yega, Tax Agency inopa sarudzo yeakananga maresiti ekubhadhara kuitira kuti vabhadharwe otomatiki. Zvechokwadi, chete kune avo vane mari yakatarwa; kana iwe uri mumwe weavo vanovimba nekota, iyi sarudzo haigone.
- SEPA yakananga debit. Izvi zvine chekuita nekubhadhara pakati penyika dzinobatsirikana nenzira iyi yekubhadhara pasina kuzviziva. Mukati meizvi tine marudzi maviri:
- Basic yakananga.
- Yakananga B2B, kureva, kubva kune bhizinesi kuenda kune bhizinesi.
Zvakanakira nekuipira
Kana iwe wakambobhadhara bhiri nedhibhiti yakananga, iwe zvechokwadi unoziva kuti ine mabhenefiti akawanda, chekutanga ndechekuti haufe wakakanganwa kuribhadhara nekuti bhangi rinotova nekutonga kuripa iwe pachinzvimbo chako, saka iwe unogona. usazvinetse nazvo, chero paine mari muaccount, ivo havazotore chero chinhu kubva kwauri.
Asi mukuwedzera kune izvo zvakanakira, kune zvimwe zvakawanda. Uye sezvinhu zvese zvakanaka inewo divi rayo rakaipa, pachavawo nezvakashata.
Pakati pe zvinobatsira zvatinogona kutaura, kupfuura yapfuura, ndezvi:
- Dzivisa kunonoka kubhadhara. Uye nekusabhadhara mari dzekuwedzera dzinogona kunyudza vanhu nekuda kwekukanganwa nezvazvo.
- Kuchengetedzwa kukuru kwekambani inobhadharisa. Nekuti nekuita domicile kambani inoziva kuti, paunotumira risiti, haizodzoserwe isina kubhadharwa, asi kuti inongobhadharwa. Izvi zvinokupawo kuvimbika kwakawanda.
- Zvakanakira mubhangi rako. Mabhangi kazhinji ane mimwe mibairo yevatengi vanotungamira kubhadhara. Nenzira iyi, iwe unogona kubatsirwa nechipo kana kuderedzwa paaccount yako, izvo zvisingambokuvadze.
- Unogona kukanzura chero paunoda. Idi rokuti iwe unotonga chimwe chinhu hazvirevi kuti chichagara kwehupenyu hwako hwose; pese paunoda unogona kutumira odha kubhangi rako kuti risabhadhara mamwe mabhiri.
Zvino, sezvatakareva, zvose zvakanaka zvakare ane zvinhu zvakaipa, uye munyaya iyi izvi zvinofanira kufungwa nezvazvo. Pakati pavo, tinogona kutaura:
- Rasa kuona mari yako. Muchokwadi, madhiti akananga anoreva kuti vazhinji havatore mari iyi mu account, uye saka unogona kupedzisira wava nechikwereti. Uye ndezvokuti kana musina mari iyoyo uye mukaisa imwe, munogona kuita kuti pakupedzisira icho chaunopinda uye chaunoshandisa chive chimwe chete, kana chakanyanya kuipa, kuti ushandise kupfuura chaunopinda.
- Unogona kusiya maakaundi ako ku zero, kunyanya kana ukasadzora mari yako zvakanaka.
- Kana muripo usina kufanira ukaitwa, chikumbiro chacho chinogona kugadziriswa munguva yakareba kupfuura dai wanga usina kubvisirwa mari yakananga. Ramba uchifunga kuti vakachaja, uye kuti vadzoke vanogona kutora nguva kuti vabvumirane newe (nekudaro kudzorera mari yako).
- Unogona kunge uchibhadhara zvakawanda. Muchokwadi, kuti iwe domicile hazvirevi kuti unobvisa. Iwe unofanirwa kuziva chaunobhadhara uye nei, kudzivirira kubhadhariswa zvakanyanya kana kubhadhariswa zvisina kufanira.
Nzira yekubvisa sei marisiti
Zvino zvawava nekunzwisisa kwakajeka kwezvese izvo zvakananga kubhengi, inguva yekupinda zvizere munyaya yechinyorwa, dedomiciliation yemarisiti. Zvinogona kuitwa here?
Mhinduro iri nyore. Hongu, asi kuti ubvise marisiti iwe uchaenderana nebhangi rako, uye tine hurombo kukuudza kuti, zvichienderana nekuti chii, ine imwe nzira kana imwe. Zvechokwadi, hazvina kuoma, pane kudaro, asi isu hatigoni kutora matanho chaiwo nokuti bhangi rimwe nerimwe rinozviita nenzira yakasiyana.
Zvatingakuudza ndezvekuti Iwe une nzira mbiri dzekubvisa marisiti, iyo inoshandiswa munenge mabhangi ese:
- Pamunhu. Kureva kuti kukumbira nguva kana kuenda kubhangi uye kukumbira risiti kuti ubviswe. Kazhinji vanokuita kuti uzadze fomu, kana kuti vachazviita pakombiyuta, voripirinda uye iwe uchariverenga kuti uone kana uchibvumirana nazvo. Kana zvakadaro, unozofanirwa kusaina uye ivo vanochengeta kopi (uye ivo vanofanirwa kukupa imwe.
- Online. Iyi nzira iri nyore uye nekukurumidza, nekuti unogona kuzviita zvese pafoni yako uye pakombuta yako, chero kwaunenge uri. Iwe unongofanirwa kuisa app yebhangi rako wotsvaga madhibhiti akananga. Vamwe vanongokupa sarudzo yekukanzura madhibhiti akananga pakutambira kwekubhadhara kwakananga.
Chii chinoitika mushure mekubva kunze
Kana wapa order kubhanga kuti receipt iyoyo ngairege kubhadharwa, nekuti wabvisa, kana company yaifanirwa kuunganidza ikaedza kuita kudaro, pay iyoyo inorambwa.
Mune ino kesi, chinhu chakajairika ndechekuti kambani iyoyo inokubata ichikuzivisa zvaitika kuti ubhadhare risiti iroro (kana usina kunyoresa kubva kwavari). Zvisizvo, unogona kunge uine matambudziko.
Nechikonzero ichi, kana wangobva pamba pako, chinhu chakanakisa kuita zivisa kambani, zvimwe nokumuudza kuti hatichadi mabasa ake, kana kuti nokurayira kuti uchabhadhara neimwe nzira.
Zvava kujeka kwauri here kuti ungabvisa sei marisiti?