Kodi mungapewe bwanji ndalama zambiri kubanki?

Oposa gawo limodzi mwa magawo atatu a obwereketsa kubanki amavutika kuti alipire ngongole zawo panthawi yake. Zowonjezeredwa ku ngongoleyi ndi ndalama zamabanki osiyanasiyana. Kuti muchite izi, muyenera kuyang'anitsitsa maakaunti anu aku banki kuti mupewe zolipiritsa zosafunikira. M'malo mwake, ndalama zochepa zamabanki zitha kukupangitsani kuti mukhale ndi ngongole zomwe simungakwanitse.

Ngakhale ndalama za bankizi zikuwoneka zazing'ono, zimatha kuwonjezera pakapita nthawi. Mwamwayi, n'zosavuta kupewa kapena kuchepetsa izi nthawi zina mkulu chindapusa ngati muli ndi chidziwitso pasadakhale.

Ndikuganiza kuti tsopano mukukumana ndi vuto lomwe mumalipira ndalama zambiri kubanki ku banki yanu. Ngati ndi choncho, musadandaulenso. M'nkhaniyi, Ndikuwonetsani zolipiritsa zomwe zimapezeka ku banki ndi momwe mungapewere. Njirayi idzakupulumutsirani mazana a madola pazaka zambiri.

Koma musanayambe, apa pali maphunziro omwe amakulolani kutero Pezani 1000euros/Tsiku pa 5euros.com. Dinani apa kuti mugule

Tiyeni

??? Ndalama 8 Zodziwika Kwambiri ku Banki

Ngati nthawi zonse mumawona ndalama zomwe zachotsedwa ku akaunti yanu yochezera, dziwani kuti simuli nokha. Inenso zaka zingapo zapitazo pamene ndinatsegula akaunti yanga yoyamba ya kubanki ndinali ndi vuto lomwelo.

Malinga ndi kafukufuku wa 2017 wopangidwa ndi US Federal Reserve, omwe ali ndi akaunti yoyang'ana kubanki amalipira pafupifupi $250 pachaka pamalipiro. Komabe, muyenera kudziwa kuti simuli okakamizika kuzilipira, ngakhale ndizolipira wamba.

Tisanakuuzeni momwe mungapewere kapena kuchepetsa ndalama zomwe mumalipira kubanki, choyamba tidziwitseni.

➤ Ndalama zolipirira mwezi ndi mwezi

Mabanki ambiri amakulipirani chindapusa pamwezi posunga ndalama zanu mu akaunti. Ndalama zolipirira izi zimatengera banki yanu, koma mutha kulipira mpaka $15 pamwezi kwa akaunti yoyang'anira yomwe sinalipire.

Zonse zanenedwa, mudzalipira ndalama zokwana $180 pachaka.

Kuphatikizira ndalama zolipirira mwezi uliwonse mumaakaunti anu owunika ndi njira yoti mabanki awonjezere mwachindunji ndalama kudzera mu chindapusa ndikulimbikitsa ogula kuti azisunga ndalama zambiri kubanki. Koma kodi mungapewe bwanji kapena kuchepetsa ndalama zolipirira zimenezi?

Kodi mungapewe bwanji ndalama zolipirira akaunti?

Nthawi zambiri zimakhala zosavuta kupewa kuyang'ana ndalama zokonzera akaunti. Omwe ali ndi akaunti yamtunduwu amatha kutsegula akaunti yoyang'anira ndi Kusunga akaunti kubanki yomweyi kapena kusunga ndalama zochepa mu akaunti yanu. Nthawi zina kukhazikitsa ndondomeko yachindunji ya mwezi uliwonse ndikokwanira kuchotsa ndalama zolipirira mwezi uliwonse.

Nkhani yoti muwerenge: Nawa maupangiri 14 olemerera mwachangu

Kuphatikiza apo, mabanki ambiri omwe amalipira ndalama zolipirira mwezi ndi mwezi amafotokozera kuti ndalamazi zidzachotsedwa mwezi uliwonse wogula akutsatira malangizo ena. Malangizowa angaphatikizepo:

• Kusunga ndalama zosachepera tsiku lililonse mu akaunti
• Kukhazikitsidwa kwa dongosolo la mobwerezabwereza madipoziti mwachindunji
• Kugwiritsa ntchito kirediti kadi yolumikizidwa ndi kangapo pamwezi

Podziwa malangizowa ogwiritsira ntchito kuchotsera chindapusa mwezi uliwonse, mutha kupewa kulipira chindapusa chokonza akaunti.

Komanso, ngati nthawi zonse mumakwaniritsa zofunikira kuti musamalipire, mutha kuyimba foni ndikukupemphani kuti muchotsedwe ngati pali mwezi womwe ndalama zanu zatsiku ndi tsiku zimatsika kapena mukunyalanyaza kugwiritsa ntchito kirediti kadi yanu.

➤ Ndalama za ATM

Ngati mukumva ngati mukulipira zambiri kuti mugwiritse ntchito ma ATM kunja kwa netiweki yanu yakubanki chaka ndi chaka ndiye kuti mukulondola.

Malipiro a ATM kuchokera ku banki yanu ndi wothandizira ATM akhoza kuwonjezera pamene mumachotsa ndalama.

Mabanki akuluakulu a njerwa ndi matope amalipira makasitomala pafupifupi $2,50 pogwiritsa ntchito ATM yakunja kwa intaneti. Komabe, kugwiritsa ntchito ma ATM ndikosankha. Zili ndi inu kusankha ngati kugwiritsa ntchito ATM kuli koyenera.

Ndinapeza kuti pakapita nthawi ndalama za ATM zamaakaunti anga osiyanasiyana zimachulukira. Izi zikhoza kukhala choncho ndi inunso. muyenera kudziwa kuti izi zikuyembekezeka kupitiliza chifukwa pali zinthu zina zomwe zimayambitsa izi.

Nkhani yoti muwerenge: Momwe mungapangire bwino ndalama?

Zonse zimayamba ndi kukwera kwa mapulogalamu a kulipira anzawo ndi anzawo zomwe zachepetsa kwambiri kugwiritsa ntchito ma ATM. Kutsika kwa kufunikira kwa ma ATM kumapangitsa kukonza kwawo kukhala kokwera mtengo kwambiri kumabanki.

Kuwonjezeka kwa ndalama zogwiritsira ntchito ATM kumachepetsanso kuchepetsedwa kwa kuchuluka kwa ndalama zomwe zimagwiritsidwa ntchito pa ATM.

Kuphatikiza apo, mabanki amawona zolipiritsa za ATM ngati njira yotetezeka yosungira kapena kuwonjezera phindu lawo popanda kusiyanitsa makasitomala awo. Koma bwanji kumaliza kamodzi kokha ndi mwatsopano?

Kodi mungapewe bwanji ndalama za ATM?

Monga ndalama zolipirira akaunti, ndalama za ATM zitha kupewedwa. M'malo mwake, nkhani yabwino ndiyakuti ndalama za ATM ndi zina mwazosavuta kupewa kapena kuchepetsa.

Zomwe muyenera kudziwa poyamba ndikuti kugwiritsa ntchito ma ATM ndikosankha, zili ndi inu kuweruza kufunikira kwa kugwiritsidwa ntchito kwake. Kenako, muyenera kuzindikira ma ATM a netiweki yanu yakubanki mdera lanu kuti nthawi zonse muzidziwa komwe mungapeze ndalama ngati mukuzifuna.

Mwamwayi, mabanki ambiri amapereka malo a ATM mu mapulogalamu awo a m'manja. Pomaliza, mutha kugwiritsa ntchito ma ATM okha mu netiweki ya banki yanu, yomwe nthawi zambiri imapezeka patsamba lawo.

Ngati mukufuna ndalama nthawi yomweyo ndipo njira za ATM zokhazo zomwe zilipo zidzakulipiritsani, ganizirani kugwiritsa ntchito kirediti kadi yanu pogula pang'ono ndikupempha kuti mubwezere ndalama.

Nkhani yoti muwerenge: Zomwe zili m'mabanki achisilamu

Masitolo ambiri samalipiritsa ndalama zobweza ndalama, zomwe zimapangitsa kuti ikhale njira yaulere yopezera ndalama zanu. Ndizo zonse zomwe ndingakuuzeni pakadali pano zakuchepetsa ndalama zanu za ATM

➤ Ndalama zolipirira kubanki

Izi zisanachitike malipiro, ndi chofunika kudziwa chomwe chiri le overdraft. Chabwino, overdraft ya banki makamaka imagwirizana ndi "overdraft yovomerezeka", kuchuluka kwake ndi tsiku lomwe zakhazikitsidwa mumgwirizano waakaunti, zomwe zimafotokozera ngati kubweza kovomerezeka kuli kotheka kapena ayi.

Ndi malire omwe banki yanu ingakupatseni mukafuna kuchita ntchito yomwe ndalama zake ndi zazikulu kuposa zomwe muli nazo mu akaunti yanu. Kuchokera ku tanthauzo ili, overdraft imatengedwa ku ngongole chifukwa chake si yaulere. Sicholipira ndipo chiyenera kuperekedwa ku banki yanu kuti muvomereze.

Nkhani yoti iwerenge: Inshuwaransi ya Chisilamu: Takaful

Komabe, kuwononga ndalama zambiri pa akaunti yanu ndi mtundu wa zolakwika zomwe aliyense angapange. M'malo mwake, tonsefe timakonda kusunga ma akaunti athu m'mutu mwathu, kotero ndikosavuta kuiwala.

Mutha kugula $50 ndi kirediti kadi yanu, osazindikira kuti akaunti yanu ili ndi $35 yokha.

M'malo mwake, mabanki nthawi zambiri amalola kuti kugula kupitirire pankhaniyi, m'malo mokana kulipira. Mutha kukhala osachita manyazi kwakanthawi kuti malipiro anu akanidwe, koma akaunti yanu imakhala yofiira.

Ndi nthawi iyi pomwe banki yanu idzakulipitsani chindapusa cha overdraft. Koma, mungapewe bwanji iwo? Nayi njira yothetsera vuto lanu.

Kodi mungapewe bwanji chindapusa cha banki?

Kugwiritsa ntchito ndalama zambiri ku akaunti yanu yaku banki ndi ngozi yosavuta kupewa. Choyambirira chomwe muyenera kuchita kuti mupewe ndalama za overdraft ndikulembetsa kudongosolo lachindunji. Njirayi imakupatsaninso mwayi wopewa ndalama zomwe zimagwiritsidwa ntchito pogwiritsa ntchito ma ATM.

Dongosololi lidzalola kuti ndalamazo ziziperekedwa mwadongosolo komanso mwadongosolo mu akaunti yanu. Zidzakuthandizaninso kusunga ndalama zomwe mukufunikira pa akaunti yanu ndikupewa kubweza ndalama zambiri.

Mabanki ambiri amaperekanso chitetezo cha overdraft kapena chitetezo pamtengo wapakati mpaka $35 pa overdraft.

Chifukwa m'malo mokanidwa kugula mukakhala mulibe ndalama zokwanira muakaunti yanu yakubanki, banki idzakulipirani potenga ndalamazo muakaunti yanu yosungira yolumikizidwa, akaunti yoyang'ana yachiwiri, mzere wangongole, ndi zina zambiri.

Nkhani yoti muwerenge: Ndondomeko yoyendetsera kayendetsedwe ka mabanki

Popeza kusamutsa pakati pa maakaunti olumikizidwa kumachitika nthawi yomweyo, kukhala ndi akaunti yosungira yomwe mutha kusamutsa ndalama mukazindikira kuti ndalama zanu zatsika kudzakuthandizaninso kupewa kubweza ndalama zambiri.

Pomaliza, njira yabwino yopewera chindapusa cha overdraft ndiyo kuyang'anira kuchuluka kwa akaunti yanu. Kuti muchite izi, mutha kulembetsa mosavuta zidziwitso zamasinthidwe kudzera pa imelo kapena SMS kuchokera ku banki yanu.

Mutha kusintha zidziwitso izi kuti zidziwitsidwe ndalama zanu zikatsika pamlingo womwe mwasankha.

➤ Ndalama zolipirira kubanki: mtundu wamapepala

Ndondomeko ya banki ndi chidule cha zochitika zonse zachuma zomwe zinachitika pa akaunti yoyendetsedwa ndi banki panthawi inayake. M'mbuyomu, kulandira chikalata mwezi uliwonse m'makalata ndiyo njira yokhayo yopezera tsatanetsatane wa zochitika mu akaunti yakubanki.

Masiku ano, zikalata zanu zakubanki zimatumizidwa ndi imelo kapena zimaperekedwa kwa inu pa pulogalamu yakubanki kapena tsamba lawebusayiti. Ntchitozi zimakupatsani mwayi wopeza zambiri zamabanki anu 24/24.

Komabe, makasitomala ena amakondabe kulandira zikalata zamakalata m'mabokosi awo osati m'bokosi la imelo. Tsoka ilo, mabanki ena amalipira ndalama zosindikiza ndi kutumiza masitatimendi akubanki kwa makasitomala awo.

Ndalamazi zimasiyana malinga ndi komwe mumabanki komanso kuchuluka kwamasamba oti musindikize.

Kodi ndimapewa bwanji chiwongola dzanja cha kubanki?

Kuti mupewe ndalamazi, ingolembetsani kubanki yopanda mapepala kapena pa intaneti. M'malo mwake, palibe njira yolandirira zikalata zaulere, pokhapokha banki yanu ikulipira imodzi.

➤ Ndalama zolipirira akaunti

Chinanso chomwe eni ma akaunti ambiri sadziwa ndikuti maakaunti ena amalipiritsa chifukwa chosagwira ntchito. Ngati akaunti yakhala yosagwira ntchito kwa nthawi inayake, banki silingathenso kulipiritsa ndalama zilizonse pa akauntiyo.

Sikuti ma akaunti ogonawa amayambitsa mutu wamabanki, komanso amatha kuwawononga kwambiri. Mabanki amalipiritsa chindapusa pamaakauntiwa pakali pano kuti alimbikitse omwe ali ndi akaunti kuti ayambenso kugwira ntchito. Malipirowa nthawi zambiri amasiyana $ 10 ndi $ 20 pamwezi.

Nkhani yoti iwerenge: Banki yachisilamu ndi chiyani?

Mabanki atha kuyamba kulipiritsa chindapusa akauntiyo itasiya kugwira ntchito kwa miyezi isanu ndi umodzi. Mabanki ena amadikirira mpaka chaka kuti ayambe kulipiritsa ndalamazi.

Mutha kulandira kapena simungalandire chidziwitso kuti banki iyamba kulipiritsa chindapusa pamwezi. Ngati izi sizichitika, simungazindikire kuti mukulipira mpaka banki itachotsa akauntiyo ndi ndalamazo ndikutseka akauntiyo. $ 0 akaunti yotsalira. Umu ndi momwe mungapewere ndalamazi.

Kodi mungapewe bwanji chindapusa cha akaunti?

Kupewa milandu yokhudzana ndi kusagwira ntchito kwa akaunti YANU, mayankho awiri akupezeka kwa inu. Kukhazikitsa njira yosungitsira kapena yobwereketsa kungakuthandizeni kuti ntchito ikhale yochepa.

Kupanda kutero, mutha kungotseka akauntiyo ndikusamutsa ndalamazo ku akaunti yomwe mumatha kuyisunga.

➤ Ndalama zochulukira zogulira

Ndalama zochulukira zimayamba pamene omwe ali ndi akaunti yosungira ndalama achoka kupyola malire omwe akuyembekezeka. Ku USA mwachitsanzo, malire awa ndi zisanu ndi chimodzi zaulere ndikusamutsidwa pamwezi. Koma, ndi mliri wa coronavirus womwe ukufalikira mu 2021, malirewo achotsedwa.

Kodi mungapewe bwanji chindapusa chokwera kwambiri?

Ndalama zochulukirachulukira zimatha kuyambira $3 mpaka $25 pakugulitsa, koma izi zitha kupewedwa ngati mugwiritsa ntchito akaunti yanu yoyang'anira ngati akaunti yatsiku ndi tsiku pochotsa nthawi zonse, monga kulipira ngongole.

Mulimonsemo, m'pofunika kudziwa kusiyana komwe kulipo pakati pa nkhani zonsezi. Onani nkhani yathu ndi mtundu wanji wa akaunti yaku banki yomwe ndingapange kuti mudziwe zambiri zamitundu yosiyanasiyana yamaakaunti.

➤ Ndalama zosinthira kubanki

Zomwe muyenera kudziwa ndikuti kusamutsa ku banki ndikusamutsa ndalama zomwe zitha kupangidwa pakati pa maakaunti awiri omwe mwina sangatsegulidwe kubanki imodzi. Kusintha kwa banki kungakhale njira yachangu yosamutsira ndalama popanda kugwiritsa ntchito ndalama.

Koma, muyenera kulipira chifukwa cha izi. Pantchitoyi, mabanki nthawi zambiri amalipira pakati pa $16 ndi $35 pakusamutsidwa kwanyumba ndi mayiko ena.

Kodi mungapewe bwanji ndalama zosinthira kubanki?

Kuti mupewe chindapusa chamtunduwu, muyenera kugwiritsa ntchito kusamutsa pakompyuta, koma mochepera. Njira imeneyi kwenikweni salola inu kupewa koma kale kuchepetsa. Pokhapokha ngati ndi ntchito yovomerezeka yomwe imafuna ndalama zambiri. Kapenanso, mutha kusamutsa ndalama pa intaneti kapena kudzera pa pulogalamu yam'manja ya banki yanu.

➤ Mitengo yokhudzana ndi kugwiritsa ntchito khadi lakubanki

Ndalama za kirediti kadi zimasiyana osati kuchokera ku khadi kupita ku khadi, komanso kuchokera ku banki kupita ku banki pakusankha komweko kwamakhadi. Ndalamazi zitha kukhala zokhudzana ndi zolembetsa zapachaka, zochotsa, ntchito zakunja kwandalama, kubedwa kwa kirediti kadi kapena kubwezanso mawu achinsinsi.

Pakati pa ndalamazi, zina ndi zaulere kutengera mabanki. Kumbukirani kukaonana ndi mitengo ya banki yanu kuti musakhale ndi zodabwitsa zilizonse zosasangalatsa!

Kodi mungapewe bwanji kapena kuchepetsa ndalama za kirediti kadi?

Kusankha khadi lakubanki loyenera n’kofunika, makamaka popeza mitengo yake imasiyana kwambiri ndi banki imodzi kupita ina. Kuchepetsa chindapusa cha kirediti kadi ndikosavuta, ngati mutaganizira mfundo zina! Onani kalozera wathu ku Kodi kusankha banki khadi?

Kuti musankhe khadi yanu yaku banki, muyenera:

Ganizirani zosowa zanu: Palibe chifukwa cholipira ndalama zowonjezera za kirediti kadi pazinthu zomwe simukuzifuna!

Ganizirani zomwe mumakonda kubanki: sankhani khadi lolingana ndi zizolowezi zanu. Palibe chifukwa chotengera zosankha za kirediti kadi monga inshuwaransi yaulendo wakunja ngati simudzayenda kunja kwa dziko lanu!

Kukonda banki yapaintaneti: ndalama zama kirediti kadi zomwe zimaperekedwa ndi mabanki apa intaneti nthawi zambiri zimakhala zotsika mtengo kuposa zamabanki akale.

??? Chidule…

M'nkhaniyi, sindikunena kuti ndikhoza kukulolani kupewa ndalama zonse za banki. M'malo mwake, ndalama zamabanki sizidzatha konse. Muli ndi kuthekera kopewa zambiri zandalama zomwe zimabwera m'njira yanu.

Ingopewani makhalidwe abwino kasamalidwe kuchokera ku akaunti yanu yakubanki. Yang'anirani momwe mungakhalire bwino ndipo yang'anani akaunti yanu pafupipafupi pa intaneti kuti mupewe zolakwika zobweza. Ndipo, ngati mukumva ngati simungathe kupeŵa ndalama za banki yanu yamakono, musaope kupeza banki ina yomwe ili yoyenera kwa inu.

Onani nkhani yathu Mvetserani banki kuti muyike bwino kotero mumadziwa kusankha banki yomwe ili yoyenera kwa inu.

Pitirizani, ndisiyeni nkhawa zanu zonse mu ndemanga. Musananyamuke, apa pali maphunziro omwe amakuphunzitsani momwe mungagulitsire malangizo pa intaneti. Dinani apa kuti mugule.

Zabwino zonse