Iva kadhi rechikwereti Pasina kupokana, iri nyore chaiyo, iyo inobvumidza iwe kuti utenge chero rudzi rwekutenga muzvitoro zvepanyama uye online pasina kutakura mari, uye kuva neyako mukana wekuwana mari paATM yega yega yauinayo. Pasina kupokana zvinonzwika semukana usingarasikirwe nemunhu, asi usati wahaya chimbo ichi chemari, zvakakosha kuti iwe uzive zvazvinoreva kukwereta kiredhiti kadhi, zvakare uchifunga mundangariro mhando dzakasiyana dzemakadhi aripo, kuitira kuti iwe unogona kufunga zvese zvingasarudzwa uye woita sarudzo yakanyanya kunaka sarudzo.
Chii chinonzi kiredhiti kadhi?
Una kadhi rechikwereti mudziyo wezvemari umo bhangi rinokupa iwe mari yaungashandisa kutenga zvigadzirwa nemasevhisi muzvivakwa zvepamhepo uye neinternet, pamamiriro ekuti pakupera kwemwedzi unenge wabhadhara hushoma hwakagadzwa zvinoenderana kutenga kwawakaita mukati memwedzi, uchibhadhara zvimwe zvese zvishoma nezvishoma. Mazhinji masevhisi akadai sekuhaya mota kana pekugara mune mamwe mahotera anoda kadhi rechikwereti kuti agone kuabvumirana, nekuti anomiririra nzira yekuzvidzivirira kana imba kana mota ikakuvara. Kadhi rechikwereti rinobatsirawo kugadzira mhando dzese dzekutenga online uye nekukamura kubhadhara muzvikamu zvemwedzi wega wega apo zvitoro hazvipe iyi sarudzo.
Nekudaro, zvakakosha kuti usasanganisa kadhi rechikwereti ne debit card. Paunenge uri pakadhi rechikwereti ndiro bhangi rinokweretesa imwe mari kuti uite zvaunotenga, uine kiredhiti kadhi unofanirwa kunge uri iwe unoisa huwandu hwemari yaunoda muaccount, uye zvaunotenga zvichadzikiswa kubva ndizvo. Musiyano mukuru uripo pakuti iyo kiredhiti kadhi inoshanda zvakanyanya sechiridzwa chekuchengetedza, mauri uchangoshandisa izvo zvauinazvo kare, nepo kiredhiti kadhi ichikupa iwe mukana wekutenga zvakakura kutenga, uchikwanisa kuvabhadhara zvishoma nezvishoma .
Zvinorevei kuva nekadhi rechikwereti?
Una kadhi rechikwereti Izvo hazvina kuoma kuzadzisa, asi kana uchinge unayo, iwe unofanirwa kuve nemutoro chaizvo kana zvasvika pakushandisa mari yako kuitira kuti ugone kuzadzisa kubhadhara nenguva. Apa ndipo panopinda chaipo kiredhiti kadhi bhizinesi. Bhengi rinokupa iwe chikwereti kuti utenge zvaunoda iwe, mukutsinhana nekomisheni diki pane yega yekutenga yakaitwa. Izvo zvakakosha kuti iwe uzive kuti kuzhinji kwekutenga iwe kwaunoita nekadhi rechikwereti kunounza chimbadzo, izvo zvinogona kuwedzera kana iwe ukanonoka kuita iyo inoenderana kubhadhara kana kana iwe ukasabhadhara yakatarwa diki. Nenzira iyi, kutenga kushoma kusati kwabhadharwa kunogona kuva mutoro unorema zvikuru kana tikasazviteerera nenguva.
Chakanakira ndechekuti nguva zhinji iwe unowana mabhangi anokupa iwe zero zero sarudzo pane zvaunotenga chero bedzi iwe uchisiya chikwereti chako mu zero zuva risati rasvika. Kana tikadzidza kushandisa iyo makadhi emakadhi zvine hungwaru tichawana mavari chishandiso chinogona kutitorera mutoro
Ndezvipi zvakanaka zvekuva nekadhi rechikwereti?
La mukana mukuru kuva ne kadhi rechikwereti ndeyekuti iwe uchagara uine mukana wekuita zvese zvidiki uye zvakakura kubhadhara pasina izvi kuve unorema mari mutoro waunofanirwa kuvhara ipapo. Kana matambudziko ako ari ekushomeka, ndiko kuti, une mari, asi iwe unofanirwa kumirira mubhadharo kana kuti zviitwe kubhadhara mari yako, usave nechokwadi chekuti kiredhiti kadhi ichave yakasarudzika sarudzo kwauri.
Pamusoro pezvo, mabhangi anowanzo kupa zvakakwidziridzwa uye zvinopihwa vatengi vavo, senge poindi sisitimu iyo iwe yaunogona kushandisa sechikwereti kutenga zvimwe kutenga. Iwe zvakare uchave nekwanisi yekonzati kana kuratidza pre-kutengesa, pamwe chete neyakajeka mwaka kukwidziridzwa. Kana iwe uchida kufamba a kadhi rechikwereti rakakosha, Kwete kungoroja mota chete kana kugara mumahotera, asi zvakare zvinokutendera kuti ubve mukamuri yekukurumidzira kana uchida tikiti rechimbichimbi, ubhadhare rubatsiro rwekurapa kana chero rimwe basa raunoda.
Zvese izvi ndizvo zvakanaka zvinouya nekuhaya a kadhi rechikwereti, uye pasina kupokana iwe unozogona kunakidzwa nazvo sekureba sekuziva kwaunoita kushandisa kadhi rako zvine mutsigo nekubhadhara kanenge shoma mari panguva yakatarwa muchibvumirano chako. Kuti udzidze mabasa anouya nekuva nekadhi rechikwereti, ramba uchiverenga chinyorwa ichi:
Chii chinoitika kana ndikasabhadhara kadhi rangu rechikwereti nenguva?
Kana iwe uri mutsva kune iyo nyika yezvikwereti Izvo zvakakosha kuti iwe utore kufunga iyo pfungwa yechikwereti nhoroondo. Nguva dzese iwe paunowana chigadzirwa chemari chinosanganisira mutsara wechikwereti (ndokuti, kiredhiti kadhi, chikwereti chako pachako kana mogeji), iwe unoongororwa zvichienderana nenzira yawakabhadhara kiredhiti. Kana iwe wakazviita nenguva, kana iwe ukadzorera iyo izere huwandu, kana iwe wakabhadhara chimbadzo nemakomisheni, kana iwe wakadarika yako kiredhiti kana kana iwe ukaishandisa zvine musoro.
Ruzivo urwu rwese chikamu chenyu chikwereti chenhoroondo, uye iyo nguva yaunotsvaga kukumbira chimwe chikwereti cherudzi rupi nerupi, makambani anozoiongorora uye zvichibva pane izvi ivo vachasarudza kuti vokupa kana kwete, kana pasi pemamiriro uye zvirongwa zvavachakupa iyo kiredhiti. Kana iwe uine nhoroondo yakanaka yechikwereti, iwe unozopihwa yakasarudzika yemari yemari uye zvirongwa zviri nani zvemari, nepo vanhu vane nhoroondo yakaipa yechikwereti vasingatombogone kuita kuti zvikumbiro zvavo zvitenderwe.
Sokunge izvo zvaive zvisina kukwana, kunonoka nekubhadharwa kwechikwereti chako kunounza mhindu zuva nezuva zvichawanda, zvichitowedzera kuoma kubhadhara. Ndosaka usati wahaya kiredhiti kadhi unofanirwa kunge uchinyatsoziva nezve mutoro wainomiririra, uye kana iwe usina chengetedzo izere kuti ndizvo zvaunoda uye kuti iwe unogona kutevedzera kubhadharwa kwese panguva yakakodzera. Zvirinani kuti iwe utsvage chimwe chishandiso chemari kubata mari yako.
Ndinoziva sei kana ini ndakagadzirira kadhi rechikwereti?
Ichokwadi kuti havazi vese vakagadzirira zvemari kuve ne kadhi rechikwereti, uye kunyangwe avo vari, kazhinji havana ruzivo rwakakosha kuti vaite manejimendi akakodzera. Kana iwe uchida kunyorera kiredhiti kadhi, tinokurudzira kuti uve neinotevera nhoroondo:
- Kuva munhu mukuru ane mari yakakwana yemwedzi wega wega yekubhadhara zvese zvaunoda uye nezvimwe zvishoma.
- Iva netsika yekubhadhara nguva.
- Wakambobata kiredhiti kadhi.
- Iva nekugona kune smart phone kuti ugamuchire zviyeuchidzo uye uve nesitatimendi cheakaundi unogara uripo.
- Ziva neiyo bhangi yekubhadhara system uye wakambobhadhara kare.
- Iva nebhajeti yemwedzi nemwedzi uye nyatso kuziva kwaunoisa mari kana kushandisa mari yako.
Kana iwe ukaziva nehunhu hwatakatsanangura kare, iwe uri mukwikwidzi akakwana kunyorera kiredhiti kadhi. Isu tinokuudza maitiro ekuzviita ipapo ipapo.
Maitiro ekubvumirana kiredhiti kadhi?
Kubhadhara a kadhi rechikwereti Iwe unofanirwa kuenda kubhangi kwesarudzo yako, uchitora zvinyorwa zvinodiwa newe. Iwe uchafanirwa kuzadza chikumbiro uye chichaongororwa maererano nekodhi nhoroondo yako. Kana iwe usina, zvinhu zvakaita semari yako, zera rako uye nenguva yawanga uchishanda zvichazotarisirwa. Kubva pane izvi, iwe unozopihwa mutsara wechikwereti chekadhi rako, uye unogona kutanga kuushandisa pakutenga kwako kwezuva nezuva.
Chinhu chakanakira ndechekuti mabhangi mazhinji anopa mukana wekuita zvese kune mazhinji eiyo maitiro epamhepo, saka unogona zvirokwazvo kuwana nzira yekutora kadhi rako kubva kunyaradzo yeimba yako. Panguva mbiri idzi, zvinyorwa zvinokumbirwa kazhinji zvinotevera zvinotevera:
- Kuzivikanwa kwepamutemo (DNI kana NIF)
- Uchapupu hwemari yemwedzi.
- Debit kubhengi account kana iwe unayo.
- Nhare mbozha
- Kero yepositi kana yemagetsi kwaunogona kugamuchira zvinyorwa zveakaundi yako.
Izvo zvakakosha kuti kana iwe uchihaya yako kadhi rechikwereti tsanangura zuva rakatemwa zvakanaka kwazvo, inozove iyo nguva iyo iyo nyowani yemwedzi kutenderera kwekutenga kwaunoita iwe kwatanga. Zvakare, gara uchijekesa nguva yekupedzisira yekubhadhara, nekuti kana ukasatevedzera muripo nenguva, sezvatakambotaura, unenge uchizobhadhara mubereko uye mamwe makomisheni. Tevedza aya matipi uye iwe unowana kiredhiti kadhi chishandiso chakanakisa cheako manejimendi manejimendi.