Nhoroondo dzekuchengetedza chinhu chisingadzoreke kubhengi chigadzirwa chevashandisi. Uye kubva kwavanoitisa makuru mabhizimusi mashandiro: kubvisa mari, kuendesa, kubhadhara, uye kunyangwe kudzora bhalansi yako. Asi zvakanyanya uye zvakanyanya bhenefiti nyowani iri kuiswa iyo inobatsira kwazvo kune zvaunofarira. Iko kudzoka kwechikamu chemainvoisi kana uchinangisa zvinyorwa izvi.
Kunyangwe maakaundi ekuchengetedza asina kusiyaniswa nemubhadharo wavo wakakwira, asi asi neakapesana, nekuti ivo vanopa vatengi makaro akadzika kwazvo. Pakati pe0,10% ne0,50% inenge iri pachiyero chakaratidzwa mavari. Semhedzisiro yekudzikiswa kwemutengo wemari neboka renharaunda mune zvemari nyaya. Asi chero zvakadaro, inogona kupesana nemhedzisiro yemaakaundi anokubhadhara iwe mari yekubatanidza kune makuru mabhiri epamba.
Iri zano rekushambadzira iro mabhangi ari kusimukira nehasha huru, uye nehumwe huwandu, kukwezva vatengi vatsva. Uye zvirimo mukuti vanokudzorera iwe pakati pe1% uye 3% yehuwandu hwemabhiri ese anotongwa muboka, pasina muganho maererano nenhamba yavo. Hazvina mhosva nezvehunhu hwayo, zvinokanganisa masevhisi ese (gasi, magetsi, mvura, nezvimwewo), uyezve nehumwe hunhu hwega (masangano ehunyanzvi, inishuwarenzi yemunhu, kana kutobhadhara kunharaunda yevavakidzani).
Ndeapi maakaundi ayo anoda akananga madhibhiti mari
Uchakwanisa kugamuchira kudzoreredzwa zvichienderana nechipo chinounzwa nebhangi rega rega, uye izvo zvinowanzo sazogara zvakafanana, kana mamwe masevhisi achiwedzerwa kana kubviswa. Nekudaro, uine chokwadi chese icho iwe unowana iwo muganho wakanyanya pakudzoka, iyo yausingakwanise kudarika chero zvodii.
Mukudzoka, ivo vanongoda chete maviri mamiriro ayo ari nyore kwazvo kusangana pane kwako chikamu. Kune rimwe divi, kuti iwe une account ine aya maitiro akavhurika. Uye kune imwe, kuti iwe wakasvinudzwa kubatanidza yako ese epamabhiri ekubhadhara kwazviri, uye uchinongedza dzese dzadzo.
Kana iwe ukasangana navo, makorokoto, nekuti iwe muchaponesa mamwe ma euro mwedzi wega wega. Izvo hazvisi kuti iwe unowana zvinoshamisa kudzoka pachiyero, asi zvirinani zvinokubatsira iwe kuve nemubhadharo muhukama hwako hwakajairwa nemasangano emari.
Uye zvakare, hapana miganho pane huwandu hwema invoice akaendeswa kune yakasarudzika dhizaini inogadzirwa kubva kumabhangi. Nekudaro, izvo iwe zvausingazowana chero kuvandudzwa mumahara ekufarira ayo maakaundi anopa, izvo zvichave zvakanyatso fanika senge kuburikidza nemaakaunzi maakaundi. Pasina anodarika 0,30% zvakanyanya.
Humwe hunhu hunopihwa nechigadzirwa ichi chebhangi ndechekuti inounzwa isina makomisheni uye isingabhadharwe chero mari mukutungamira kwayo kana kugadzirisa. Nayo iyo yekuchengetedza ichave iine mbiri nzira yekupinda. Uye kune izvo zvinowedzerwa, izvo kubva kuchiridzwa ichi chebhengi kubata pamuviri zvakare iwe unogona kuwana yemahara yakakwana kiredhiti uye makadhi ekubhengi, zvirinani kune gore rekutanga.
Kubva pane izvi zvakakosha zvipo iwe unogona kusarudza pakati pemamodeli akati wandei ayo anopa izvi zvinonakidza zvipo. Iko hakuna akawanda, asi aripo akakwana kuitira kuti iwe ugone kuchengetedza kubva ikozvino pane akawanda maeuro pagore mukuita kwega kwega. Pasina kubatanidza chero yekuwedzera kuyedza muhukama hwako nerudzi urwu rwekuchengetedza account. Uye hazvizove zvakakosha kuti iwe utore imwe nhevedzano yezvigadzirwa (marongero epenjeni, mari yekudyara, inishuwarenzi, nezvimwewo), kunyangwe mune ino kesi isina domicile.
Ndeapi maakaunzi anosangana nezvinodiwa izvi?
Iwe unenge uine akateedzana ezvigadzirwa zvebhengi iwe zvaunogona kunyorera pasi peaya maficha. Nezvirevo zvine hukasha, izvo zvinotoita kuti iwe uchinje mabhanga kuti uwane zvakanakira zvinopihwa mumamodeli akataurwa. Ivo vakafanana chaizvo pakati pavo, nemusiyano mudiki, uye kupi iyo chikamu chekudzoka chichava chiratidzo chavo chikuru chekusiyanisa, uye chakanyanya kukosha. Kugona kutora mukana wekusimudzira unodzoka kusvika ku3% yemari dzemumba yako mabhiri.
Iwe unongofanirwa chete kuwana iyo modhi inonyatso kusangana nezvinodiwa zvako wega, uyezve, izvo zvinokodzera kwazvo chimiro chako sebhengi mutengi. Kuti ikubatsire pachinangwa ichi, tichaenda kukupa imwe yemamodhidhi eakaunzi ari kutengeswa panguva ino. Uye pamwe kunyange vamwe vacho vanokufarira iwe kunyanya kuti utore basa, uye wozadzisa zvinangwa zvako, zvinova hazvizovi zvimwe kunze kwekushandisa mari kuburikidza neiyi yakasarudzika bhizinesi zano.
Mikana haizove isipo, hongu, uye kune iyo ichawedzerwa imwe nhevedzano yemasevhisi uye mabhenefiti akanangana neizvi zvigadzirwa zvebhangi. Chimwe chezvinhu zvinogadzira hunhu uhu ndiBanco Sabadell kuburikidza neAxpansión Akaunzi. Ivo vanodzosera iyo yakakwira, 3%, asi nekukanganisa kwekapu yemakumi mairi euros pagore. Iyo Banco Yakakurumbira account chikumbiro yakavakirwa pa2% pamabhiri epamba, ayo anongogumira kune angangoita ma15 euros gore rega.
Imwe yemabhizimusi emari anoona nezve kushambadzira ichi chigadzirwa chebhengi ndeye Oficina Directa, iyo parizvino ine cheki yekutarisisa iyo inodzosera 2% yemari dzakananga dzekubhadharisa kune vanoibata. Uye pakupedzisira, kupihwa kwakapihwa neOpenbak iyo inotora kusvika ku1% kurongeka kwedzidzo idzi pasina kuita chibvumirano nezvimwe zvigadzirwa zvebhangi.
Nzira yekugadzirisa sei oparesheni?
Kana kodhi iyi yekuchengetedza yangonyoreswa, iwe unongofanirwa kunangisa madhibhiti marisiti aunoda, pasina muganho. Iwe unogona kutogadzira ichi chiitiko kuburikidza nekuchinjisa kubva kuaccount yemamwe masangano. Saka kuti kushanda kwayo kuve kwakanyanya kugona, Zvichakurudzirwa zvikuru kuti uongorore mari yaunobhadhariswa mwedzi wega wega, kana kota. Kwete chete avo vanobva kumabasa epamba, asiwo ehumwe hunhu.
Mubvunzo mumwe waungave uinawo pavanodzosa mari inogadzirwa neaya madhiri akanangana. Zvakanaka, zvakapusa pese pacho maretiji paanobhadhariswa account, zvakananga, pasina kumirira kumwe kunonoka nguva dzakatarwa, kana kupera kwemwedzi. Kwete pasina, kuderedzwa kuchaitika otomatiki, pasina chero chekumirira kana mamwe mamiriro. Nenzira iyi, mhedzisiro ichagadzirwa muaccount yako yekutarisa ichave nekukurumidza.
Ichokwadi kuti iwo haasi akanyanya kujeka huwandu, asi chero zvakadaro Ichakubatsira iwe kubhadhara iyo kuwedzera kwemitengo yemamwe magetsi masevhisi, semuenzaniso, iyo yechiedza. Uye nebhenefiti yakawedzerwa yekuti zvese zvichaiswa pakati kuburikidza nechigadzirwa chimwe chete chebhangi, uye pasina kuita shanduko. Ichaiswa mukati mechinhu chimwe chete chebhengi chigadzirwa, kuitira kuti uve nezvimwe zvivakwa zvekuwana zvavanopa.
Sezvo zvisiri zvakawanda zvinopihwa zvehunhu izvi zvakagadzirwa kusvika parizvino, zvichaita kuti zvive nyore kwauri kuti iwe ugadzire yako account kusarudzika zvakanyanya. Izvi ndizvozvo, nekuti iwe uchave uine yakawanda nguva yekuongorora zvakadzama chimwe nechimwe chezvawataura, uye pakupedzisira kusvika pamhedziso yekuti ndeupi wavo ari nyore kuti unyore. Uye zvakare, tichifunga izvo zvimwe zvakanaka izvo zvinosanganisira muzvikamu zvayo zvechibvumirano: makadhi, kufamba kwebhangi, kuendesa, nezvimwe.
Matipi gumi nemaviri ekusarudza yakanakisa modhi
Wakatarisana nechipo chakapihwa nemabhangi, rako chete basa rinenge riri rekuzvishongedza nechiridzwa chakanakisa chekudyidzana nebhengi rebhangi pane ako enguva dzose mashandiro Kuti ikubatsire kuzadzisa ichi chinangwa, tinokurudzira nzira shanu dzekuita kubva kwaunogona kuzvitsigira. kuita sarudzo yakanakisa inoenderana nekukwereta chaiko kwemabhiri ako ega uye epamba.
- Decántate nemaakaunzi ayo anounza zvirinani maperesenti ekubhadhara kwakananga kwemareti aya, asi kunyatsoteerera kune iyo miganho iyo iwe unokosha mabhengi zvigadzirwa zvauchakupa iwe.
- Sarudza iyo inogadzira izvo zvidiki zvemubhadharo wezvaunowanzoita mashandiro, uye kana vakasunungurwa kubva kumakomisheni, zvirinani, nekuti mari yako yaunoenda ichaenda mumativi maviri.
- Tarisa imwe modhi, yaunogona nayo Nyorera kiredhiti kadhi (kana debit) kadhi pasina kutora chero kubhadharwa kwemari, zvirinani kwemakore mashoma ekutanga mushure mekuhaya.
- Kunyangwe chiri chokwadi kuti kudzoka kwemari kwezvinhu izvi zviri pachena kuti hakugutsi kune zvaunofarira, zvakadaro iwe uchave unokwanisa kunyorera account iyo inokupa iwe chimwe chinhu mwedzi wega.
- Kana iwe uine akananga madhibhiti mareti muakaundi akasiyana, inogona kunge iri nguva yekuti iwe uchinje zano rako uye ubatanidze ivo mune imwechete modhi, kutora mukana wayo wese mabhenefiti.
- Nguva dzose ramba uchifunga kuti Izvo hazvisi zvigadzirwa zvakanyatsogadzirirwa kuwana zvibereko kwavari, asi kushanda kuburikidza nebhangi rako nemhando dzese dzekushanda.
- Rangarira kupa vanopa rubatsiro nenhamba yako yeakaunzi kuitira kuti iyo yakatarwa debit iitwe nemazvo kubva panguva yekutanga, uye iwe unogona kugamuchira kudzoka.
- Iwo akanaka kwazvo maakaundi emamiriro ako semushandisi webhangi, sezvo mamwe acho asingatombotenderi iwe kuti uite chero rudzi rwekubatanidza.
- Izvi zvigadzirwa hazvina kubatana nekondirakiti yemamwe mabhangi ekugadzira (mari yekudyara, marongero epenjeni, dhipoziti yetemu, nezvimwewo), uye chete mune zvimwe zvakanangana nezvavanoda ndipo pavanozoda kubhadharwa kwakanangana nemubhadharo wako (kana mudyandigere).
- Icho chigadzirwa chine simba kwazvo chinogara chichivandudzwa., ichipa inowedzera inokurudzira nyaya, uye maunogona kubatsirwa nekuhaya.
- Kunyangwe muzviitiko zvakawanda vasina mari yekushandisa, iwe unofanirwa kuve wakangwarira zvikuru nezvekuzvimisikidza pane izvo zvitsvuku, nekuti zvirango zvinowanzoremedza kusvikira wagadzirisa bhalansi yako.
- Uye pakupedzisira, hauna nguva shoma yekugara zvachose, sezvo iwe uchikwanisa kuzvinyoresa chero nguva, uye pasina kutora chero mari yekushandisa.