Zvinhu zvekuchengeta mupfungwa kana uchikumbira chikwereti chako

Zvinhu zvekuchengeta mupfungwa kana uchikumbira chikwereti chako

Iri kuramba ichiwedzera kuwanda kumbira zvikwereti zvemunhu kuti usangane nemari yakasiyana kana zvikwereti. Asi, kana uchikumbira imwe, zvinodikanwa kuti ufunge nezve akati wandei kuti usarudze imwe isingapedzi kushandura kudzoka kugehena.

Unoziva here kuti ndezvipi zvinhu zvekufunga nezvazvo paunenge uchikumbira chikwereti chako? Tinodzikurukura pasi apa.

Pfungwa dzekuchengeta mupfungwa paunenge uchinyorera chikwereti chako pachako

Pfungwa dzekuchengeta mupfungwa paunenge uchinyorera chikwereti chako pachako

ari wezvikwereti zvemunhu vane hukama nevanhu, sezvo ivo vari a kukurumidza nzira yekuva nemari kune chero rudzi rwekuda. Zvisinei, zvinofanirwa kunzwisiswa kuti chikwereti chiri chikwereti chinofanira kubhadharwa munguva pfupi, yepakati kana yakareba, iyo inoreva chisungo chekubhadhara pamwedzi.

Izvi hazvirevi kuti zvakaipa kukumbira chikwereti; kutaura zvazviri, kune akawanda masangano anopa anobatsira mamiriro, asi zviri nyore funga zvimwe zvinhu usati waita sarudzo yekupedzisira.

Mari yauchakumbira

Paunenge uchinyorera chikwereti chako pachako, unofanira kuziva mari chaiyo yaunoda. Imwe yemhosho huru dzinoitwa nevanhu kukumbira mari yakawanda kupfuura inodiwa chaizvo. Uye iko kukanganisa kune maviri maficha:

  • Nekuti mari yasara iwe hausi kuzoshandisa (kana iwe haufanirwe).
  • Nekuti izvo zvinofarirwa, kuve capital hombe, zvinokwira, izvo zvaunenge uchibhadhara kune chikamu chemari chausiri kuzobata.

Mune ino kesi Zano redu rakanakisa nderekuti iwe unonyatsoziva zvaunoda uye usanyorere chikwereti nemari yakakura, kunyangwe zvichinzwika kuyedza uye musoro wako uchikuudza zvinhu zvakati wandei zvaunogona kugovera iyo mari.

Nenzira iyi, unenge uchidzivirira kukwereta kana kubhadhara imwe mubereko.

Uchaidzorera sei?

chikwereti chomunhu oga

Chikwereti hazvireve kuti vanokupa mari uye kana uchinge wagona, unoidzosera. Hazvishande zvakadaro. Nokuda kwechikonzero ichi, mabhangi ose anokurudzira kuti, kunze kwekuziva kuti unoda mari yakawanda sei, unofunga nezvekuti uchakwanisa sei kuidzorera.

Mune mamwe mazwi, Tiri kutaura pamusoro pemari yakawanda yaunogona kugovera kubhadhara pamwedzi kubhadhara chikwereti. Nenzira iyi, ongororo inogona kuitwa kuti uzive nguva ichatora kubhadhara zvese, kusanganisira mubereko unova wakakwira sezvo nguva yakawanda inopfuura.

Ramba uchifunga kuti, kana iwe usingakwanise kudzosera, unogona kukonzeresa kana mubairo usingazoite chimwe chinhu kunze kwekuwedzera mari yaunofanirwa kudzorera (uye zvichave zvakanyanya kukuomera iwe kunyorera chimwe chikwereti chako).

Zvakanakisa ndezvekuti edza kuidzorera nokukurumidza sezvinobvira nokuti nenzira iyoyo uchakwanisa kubhadhara zvishoma.

Usanonoke

Sezvatakakuudza kare, zvikwereti kana zvisizvo zvinobhadharwa, uye zvinogona kudhura zvakanyanya. Saka, mwedzi nemwedzi, edza kuisa parutivi mari yacho kuti ugutse chikamu chemwedzi wechikwereti uye nekudaro uende kunoenderana. Kana ukasarira shure, izvi zvichaita kuti chikwereti chiwedzere kudhura, zvokuti chinogona kuva mutoro.

Tarisa APR

Paunenge uchihaya chikwereti chako, rimwe remazwi akakosha kwauri iAPR, kureva, Mutengo Wepagore Wakaenzana. Ndiko uko mari yechikwereti inodhura iwe inosanganisirwa nekuti Ichava nemakomisheni, zvido uye mari inowedzerwa kumari yawakakumbira.

Kuti zvive nyore kwauri, fungidzira kuti wakumbira 1000 euros. Uye zvakadaro, APR inokuudza kuti unofanira kudzosa 1200 euros. Izvi zvinodaro nekuti kune iwo 1000 euros vari kuwedzera mubereko, makomisheni, mari, nezvimwe. izvo zvinoita kuti iwe udzoke zvakanyanya.

Usachengeta chikwereti chako chekutanga

Zvakajairika kuti, kana uine account yekubhangi uye usingawirirane zvakaipa nebhangi, kana uchida chikwereti, unoenda kwairi kuti uibate. Asi nhasi kune zvakawanda zvigadzirwa uye masangano pamusika anogona kukupa mamiriro ari nani.

Ndinoreva haufanirwe kugamuchira yekutanga yavanokupa asi ongorora akati wandei sarudzo kuti uone kuti ndeipi yakakunakira. Kune izvi kune vaenzanisi vanogona kukubatsira (kunyangwe gare gare zviri nyore kuenda imwe neimwe uchiiongorora nekuti mamiriro ari mumabhangi anochinja zvakanyanya).

Usatya kutora chikwereti kubhangi kwausina account. Kana zvakakosha, ine zvivimbiso uye izvo zvavanokupa zvakanaka, hapana chinofanira kuitika.

Ngwarira zvikwereti "zvinokurumidza".

Kwenguva yakati ikozvino, zvimwe zvezvikwereti zvinonyanya kuonekwa uye kushambadzirwa ndezviya zvinokurumidza, izvo zvisingambokubvunze chero chinhu kuratidza kuti unokwanisa kubhadhara mari.

Semutemo, Maviri emagwaro anokumbirwa nebhangi kuti uongorore chikumbiro chechikwereti ndiwo payslip yako uye kondirakiti yako yebasa. Iyo yekubhadhara nekuti ivo vanoda kuziva kuti imarii yaunowana uye kana iwe uchizokwanisa kudzosera mari; uye chibvumirano kuti uone kana isingagumi kana kuti iwe unogona kurasikirwa nebasa rako usati wadzorera chikwereti navo (ndicho chikonzero ivo vanowanzokumbira vimbiso).

Asi kune mamwe masangano asingabvunzi chero chinhu uye anokupa iwe chero pasina tsananguro. Chaungasaziva ndechekuti, kune izvo zvikwereti, kune zvimwe zvinofarirwa uye makomisheni akakwira zvakanyanya kupfuura mumabhangi, uye kana iwe usingakwanise kuibhadhara, inounganidza kusvika pakuti inova isingagoneki.

Verenga mamiriro echikwereti chako zvakanyatsonaka

Verenga mamiriro echibvumirano chechikwereti zvakanyatsonaka

Usati wasaina chibvumirano chechikwereti, verenga mamiriro acho zvakanaka, zvese zvazvinotaura (kunyangwe zvakakura uye zvakaoma kunzwisisa). Zviri nyore kuti, Kana imwe pfungwa isina kujeka kwauri, bvunza. Tinotokukurudzira kuti urekodhe hurukuro iyoyo pane zvingangoitika.

Nenzira iyi iwe uchaziva zvauri kusaina uye zvese zvaunoda kuti unzwisise nezve chibvumirano ichocho kuitira kuti pasave nekushamisika gare gare.

Mabhangi anowanzo kupa makopi ezvibvumirano zvevashandisi kuti vanyatsoverenga kumba. Asi kunyange zvakadaro, pazuva rokusaina, kurumidza kundoverenga gwaro rauri kuzosaina zvakare (uchava nechokwadi chokuti rakafanana nezvawaverenga uye kuti hapana chakachinja).

Rimwe zano ratinokupa nderekuti, Kana uchifanira kukumbira chikwereti chako, ita chisarudzo ichocho zvakanaka. Kana zvisingakoshi, zviri nani kusazviita nekuti unenge uine "chikwereti" kwechinguva uye uine chisungo chekugadzirisa iyo yakamirira account iyo inogona kuremedza zvimwe zvinhu zvakawanda.


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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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