Umahluko phakathi kwetyala kunye netyala

I-Tanto las ityala kunye neakhawunti, ziyinxalenye yobomi bethu bemihla ngemihla, kwaye kukuba njengoko ixesha lihamba, iindlela zokuhlawula zitshintshile, ekubeni amatyala kunye namakhadi etyala. Olunye uncedo lwabo oluphambili kukuba bayasivumela ukuba sikwazi ukufikelela ngokungagungqiyo kwimali yethu, ngaloo ndlela beququzelela iinkqubo ezininzi zokuhlawula ezenziwayo. Olunye uncedo esinikwa ziibhanki ngezi akhawunti kukukwazi ukulawula iimali zethu.

Kodwa nokuba siyisebenzisile le nto Uhlobo lweeakhawunti lukhona kungenzeka ukuba asiwazi ngokucacileyo umahluko okhoyo phakathi kwezi ndidi zimbini zeakhawunti, kunye nokuba kungenzeka ukuba asifumani lukhulu kuzo. Kungenxa yoko le nto kweli nqaku siza kujongana ngokucacileyo nangokucacileyo ukuba yeyiphi umahluko okhoyo.

Iindlela zokuhlawula

Umahluko wokuqala ukukhankanywa ngu Iindlela zokuhlawula abasivumela ukuba sikwazi ukufikelela kuzo. Ingxelo nganye isinika amathuba ahlukeneyo, ezi zezinye zazo.

Ityala

Masiqale ngokuthetha ngeakhawunti yetyala, evumela Intlawulo ehlawulwa ngqo kwiakhawunti yethu yokonga okanye kwiakhawunti yethu yokujonga. Ngale ndlela kunokugqitywa ekubeni umda wentlawulo esinokuyenza ixhomekeke kwingxowa-mali yeakhawunti yethu; Ukwenza umzekelo, kufuneka sitsho ukuba xa singenise ii-euro ezilingana ne-100 kwiakhawunti yethu, eyona ntlawulo iphambili kuthi yi-100 euro.

Ngandlela thile intlawulo inokuxhotyiswa nge debit card lokuhlawula imali, apho eyona nkcitho yethu iphezulu yimali esinayo. Ke, ukwenza intlawulo enkulu, into ekufuneka siyenzile kukunyusa imali kwiiakhawunti zethu.

Ityala

Kwimeko ikhadi lokutsalwa sibhekisa kwindlela yokubhatala apho ingqokelela yokuthenga imisiwe de kube yinyanga elandelayo. Kwaye kubalulekile ukuba ukhankanye ukuba le ntlawulo inokwenziwa nokuba iiakhawunti zethu azinayo imali.

Apha kufuneka sicacise amanqaku ama-2; into yokuqala yile indlela yokuhlawula Ngokuqinisekileyo kungena ematyaleni kunye nebhanki. Ngale ndlela, kufuneka sihlawule ukuthengwa ngomhla othile obekiweyo. Kodwa kuthi ukuhlawula intlawulo yetyala lethu kwinyanga elandelayo kufuneka sibe nenqanaba elithile lomvuzo, kulapho sicacisa khona inqaku lesibini.

Ukuze ibhanki iqinisekise ukuba siya kuba nakho ukuhlawula ityala ngexesha ubeka umda "kwimali mboleko" esenziwa kuthi xa sihlawula. Kwaye ukuze wazi ukuba lo mda kufuneka ube yintoni, ibhanki iyaqinisekisa ukuba ifunda ngokusebenza komthengi, ukuze ikwazi ukuchaza ukuba ngaba umxhasi unemali kwaye leliphi inqanaba lale solvency.

Lo uhlobo lokuhlawula Iluncedo xa ufumana izinto ngexesha apho singenamali okanye sikwazi ukuhlawula iindleko ezingalindelekanga ebezingacwangciswanga kuhlahlo-lwabiwo mali, kodwa into engazukutshintsha kukuba imali mayibuyiswe, kwaye oku kungenziwa ngeendlela ezi-3 ezahlukeneyo, makhe sibone ukuba ziyintoni na ezi zinto.

• Indlela yokuqala yoku Hlawula ityala ekupheleni kwenyanga, Oku kuthetha ukuba intlawulo yosuku enikiweyo kufuneka yenziwe kwinyanga elandelayo xa kuthengwe. Oku kuthetha ukuba, ukuba sithenga into ngoJanuwari 20, intlawulo kufuneka ihlawulwe, umzekelo, ngoFebruwari 15. Ukuze sihambisane nale ntlawulo kubalulekile ukuba sicace gca ngomhla ekufanele ukuba kwenziwe ngawo intlawulo, kungenjalo kufuneka sithathele ingqalelo ukuba siya kuhlawuliswa isohlwayo kwaye kungakhokelela kwizohlwayo.
• Indlela yesibini esinokuthi ngayo yenza intlawulo yetyala Kungenxa yepesenti, oku kuthetha ukuba inyanga nenyanga elandelayo kuyakufuneka sibhatale imali ukuze sikwazi ukuhlawula iindleko zizonke zokuthenga. Ukubeka i xikombiso xa senza ukuthengwa euro 100, ngexesha iinyanga ezi-5 ezayo kuya kufuneka ahlawule zii-20 ukwenzela ukuba agubungele inani lilonke; Ukuqinisekisa ukuba oku akuvelisi ndleko zongezelelekileyo, kufuneka saziswe kakuhle ngemeko ephakanyiswa yibhanki kolu hlobo lwentlawulo.
• Indlela yesithathu ekhoyo ukuya yenza intlawulo yetyala kungenxa yomrhumo osisigxina; Le ndlela ikwaziwa ngegama elijikelezayo; kwaye iyindlela enomdla evumela umsebenzisi ukuba abe nolawulo olukhulu kuhlahlo-lwabiwo mali, kuba kule meko kufuneka sihlawule inani esele lisekiwe. Ngale ndlela siyakwazi ukulawula iindleko kwaye sithintele inkcitho engalindelekanga ekwenzeni utshintsho ngesiquphe kwimali yethu yobuqu.

Inkxaso mali

Kwicandelo elidlulileyo siqaphele ngokuqinisekileyo ukuba Ikhredithi ivumela ukuthengwa kwemali ukuthengwa kwethu. Lo mahluko phakathi kwetyala kunye nokutsalwa kwemali yenye yezona zaziwayo, nangona kunjalo siza kuwucacisa ngendlela ethe ngqo.

Xa sithenga nge ikhadi lethu letyala, sihlawula lonke ixabiso lokuthenga kwethu. Ngendlela yokuba ukuba besine-100 ye-euro ekhoyo kwiakhawunti yethu, kwaye sathenga i-euro ezingama-20. Imali yethu iyonke iya kuba ngama-euro angama-80. Olona ncedo luphambili koku kukuba asizukufumana naliphi na ityala kwaye siyayiphepha inzala enokubakho yetyala.

Kwelinye icala ikhadi letyala liya kusivumela ukuba senze intlawulo yeakhawunti efanayo nge-euro ezingama-20, kodwa ngokwesiseko esimiselweyo, mhlawumbi kangangeenyanga ezi-5 singabhatala i-euro ezi-4 ngenyanga. Olona ncedo luphambili kwikhredithi kukuba ngokungahlawuli isixa esipheleleyo okoko intlawulo yenziwa, siya kuba nemali enokusetyenziselwa ukuhlawula iindleko ebesele zicwangcisiwe, kwaye ikwasinika nethuba lokuhlawula amanye amatyala.

Kubaluleke kakhulu ukuba sigxininise ukuba omabini la makhadi anazo iingeniso kunye nokungalunganga, kungoko ingekho yodwa ebhetele kunenye. Nangona kunjalo, kubaluleke kakhulu ukuba sifunde ukulawula iindleko zethu ukuze sazi ukuba loluphi uhlobo lwentlawulo olulungele imeko yethu.

Masithathe umzekelo wokwenyani.

Si umvuzo wethu wenyanga Ziyi-euro ezingama-600, kwaye kuhlahlo-lwabiwo mali lwethu lwenyanga sifuna i-euro ezingama-450 ukuhlawula iimfuno zethu ezinje ngempahla, ukutya, iinkonzo, njl. Oko kusishiya nee-euro ezingama-150 esinokuzisebenzisa kuyo nantoni na esiyifunayo. Kwimeko yokuqala, kufuneka sizibuze ukuba kungcono ukuchitha i-euro ezingama-450 ngokutsalwa, oko kungasishiya nengxowa-mali ye-150 yeeros, kwelinye icala ukuba sixhasa ngezimali i-euro ezingama-450 esinokuthi sizigubungele. kwiintlawulo ezili-9 ze-euro ezingama-50 ngenyanga.

Ukuba siyaqhubeka nomzekelo kwiinyanga ezili-9 ezizayo, iyakusinika njengesiphumo sokuba sinengxowa-mali ye-2700 euro, intlawulo yethu yenyanga iya kuba ngama-euro angama-450, kwaye kwinyanga eyi-10 ezemali zethu zizinzileyo; Kwaye, akufuneki silibale ukuba inyanga nenyanga besiqokelela i-euro ezingama-150 ezazisimahla, ngale ndlela sinengxowa-mali yasimahla ye-1500 euros, kwaye oku kuyonyuka nge-150 yeerandi inyanga nenyanga ngaphandle kokuchaphazela iimali zethu.

Kude kube ngoku, i Ukuxhaswa ngemali kubonakala kuyindlela efanelekileyo, kwaye enyanisweni kunjalo, kuba besingayi kuba nokugcina imali eyi-1500 kuphela, kodwa isixa sama-2700 se-euro, nangona sele zimiselwe ukuhlawula iindleko zethu zenyanga, zinokusetyenziswa kwimeko kaxakeka.

Kodwa ngaphambi kokuthatha isigqibo sokuba le yinto eluncedo okanye akunjalo, kufuneka sicinge ngezethu nemikhwa yemaliEwe khumbula ukuba umzekelo ubalwe ucinga ukuba sinemikhwa elungileyo yokugcina ii-euro ezingama-150 ezazishiyekile.

Ukongeza, sicinge ukuba asikhange sichithe enye ye-450 ngenyanga, kodwa sayigcina ukuze sikwazi ukuhlawula imirhumo. Ke, ukuba asinayo imikhwa elungileyo yokonga, okanye singabantu abaya kuthi bachithe loo mali endaweni yokuyiqokelela, kunokwenzeka ukuba isiphelo asinathemba kangako, kwaye asizukubeka kubunzima bemali.

Inzala

Omnye umahluko osisiseko okhoyo phakathi kwe- ityala kunye nokutsalwa kukuba ikhredithi ihlala ivelisa i- ukuqokelelwa kwenzala liziko lebhanki. Ngokubanzi, isixa senzala sixhomekeke kwigama esifuna ukuhlawula ngalo intlawulo, ukuba inde, umdla uhlala uphezulu nangona inzala inye.

Okokugqibela kungenxa yokuba kukho ixesha lokudityaniswa, ke ukuze sikwazi ukwenza izibalo ngokuchanekileyo, kufuneka sicele zombini inzala kunye namaxesha okudibanisa apho kufuneka sihlawule khona.

Kwelinye icala, in iiakhawunti zetyala Akukho nzala, kodwa kwezinye iimeko ikhomishini inokuhlawulwa ngokuba neakhawunti yethu ebhankini, oku kubaluleke kakhulu ukuba sibuze abacebisi bethu.