Uqhagamshela kwindawo yakho yabathengi okanye kwi-App I-Societe Generale(1) ukufikelela kwiakhawunti yakho yebhanki. Ucofa kumgca weempawu. Ufumana inani lakho i-overdraft. Ukuba unqwenela ukutshintsha le mali, qhagamshelana noMcebisi wakho.
Ukongeza, Ndazi njani ukuba ndingatsalwa ngaphezulu? THE fumanisa kuxhomekeke kwingeniso yabathengi. Ngaphantsi kwe-1 euros ngenyanga, akukho nanye fumanisa ayivumelekanga. Phakathi kwe-1 kunye ne-200 ye-euro ngenyanga, imali enikezelweyo yi-2 euro. Emva koko i-euro eyi-000 kuyo yonke ingeniso engaphezulu kwalo mda.
Indlela yokugunyazisa i-ovadrafti? Unako kwakhona ukwenza amalungiselelo kunye nebhanki ugunyaziso ukuba fumanisa kwisivumelwano se-akhawunti, okanye kamva ngokusayina isigunyaziso esikhethekileyo. Ungacela isigunyaziso esikhethekileyo kwisebe okanye ngokuthumela ileta kwibhanki yakho.
Ithini imali egunyazisiweyo ye-ovadrafti? Ngokuqhelekileyo baxabisa i-8 ye-euro ngentengiselwano nganye, ukuya kuthi ga kwi-80 ubuninzi be-euro ngenyanga. Ibhanki yakho Est unelungelo lokwala ukugqithisa kwakho I-Ovadrafti ! Inokuthintela iindleko zakho ngokwala iitshekhi zakho kunye nokudluliselwa ngaphandle kwemali.
Ngoko, ngaba kubi ukubhencwa ngalo lonke ixesha? i fumanisa okungagunyaziswanga kuneziphumo. Okokuqala, ibhanki inokwala nawuphi na umsebenzi. Umxhasi ukwasemngciphekweni wokuhlawula imali yongenelelo ngoncedo lwentengiselwano eyenziwe ngexesha fumanisa.
Indlela yokunyusa i-ovadraft ye-2000 euros?
Indlela yokunyusa i-ovadrafti ukusuka 1000 € ukuya 2000 €?
- Thetha nomcebisi wakho webhanki.
- Ikhredithi yokuzalisa a fumanisa ebhankini.
- Thetha kwakhona yakho fumanisa ugunyaziwe
- Yenza isicwangciso sokususwa kwebhanki.
- Yeka ukubhala iitshekhi ezimbi.
- Ngena kugcino lwakho.
- Ukukhupha imali kwi-inshurensi yobomi bakho.
Uyibuyisela njani iakhawunti yakho kwi-positive? Nanga amacebiso ethu okufumana intloko phezu kwamanzi:
- Cela umcebisi wakho ukuba anciphise imirhumo yakho ye-agios. …
- Sebenzisa ugcino lwakho, ukuba unayo. …
- Funda indlela yokulawula uhlahlo lwabiwo-mali lwakho. …
- Guqula ibhanki. …
- Faka isicelo semali-mboleko ku unyana ukucebisa. …
- Ukucela ukubolekwa isixa-mali kwisizalwane. …
- Fumana iikhredithi.
Indlela yokuphepha ukukhutshelwa ngaphezulu nyanga zonke? Kuba ne kunye tyhilwa, kufuneka uqale ufunde ukulawula uqingqo-mali lwakho, hayi yonke into chitha yonke ngexesha elinye kwaye ubeke izixa. Ngokomzekelo, ekuqaleni ngenyanga, kungcono ukubeka imida yokuchitha: 300 € yokuthenga, 300 € ngenxa ukwenza ukuzonwabisa (icinema, indawo yokutyela, ukuphuma, njl.)
Kutheni ndisoloko ndivezwa?
Nazi izizathu ezi-8 eziqhelekileyo ze fumanisa ibhanki:
Ikhadi lakho lokutsalwa elimisiweyo liyifihla inyaniso Unee-akhawunti ezininzi zebhanki. Ubeka inzuzo phambi kokuhamba kwemali. Ugcina kakhulu.
Ngaba ndingayikhupha imali ukuba nditsalwe ngaphezulu? ke-Ndikhupha imali ukuba ndinjalo à fumanisa ? Kuyenzeka ukuba rhoxisa imali nokuba ku fumanisa. Kodwa lumka, akufuneki ube ugqithile kwisixa se fumanisa kugunyaziswe. Ngokwenene, akunakwenzeka ukukhupha imali ukuba le fumanisa okuvunyelweyo kugqithisiwe.
Indlela yokuphuma kwi-overdraft enkulu?
Buyela ngokuthe ngcembe
Thatha umzekelo womntu ono- fumanisa malunga ne-1000 € kwaye ufumana i-1500 €. Ngenyanga nganye, kuya kufuneka acwangcise ukuba angachithi ubuncinci i-150 € kumvuzo wakhe. Ezi € 150 aziyi kumvumela ukuba agcine imali, kodwa ukuba zalisa kancinci kancinci fumanisa.
Ungaphila njani ngaphandle kwemali? Yenza ngaphandle
- Awusahlawuleli isithuthi.
- Nciphisa ityala lakho lombane
- Imoto yakho mayilungiswe simahla.
- Fumana ireyithi yentlalo yokubhaliselwa kwakho kwi-intanethi.
- Yitya simahla ngokubamba uncedo lokutya.
- Cela kwangaphambili kwintlawulo yezibonelelo zakho zentlalo (RSA, CAF, izibonelelo zokungaphangeli, njl.)
Uzalisa njani kwakhona iakhawunti yakho yebhanki?
Buyela ngokuthe ngcembe
Thatha umzekelo womntu ono- fumanisa malunga ne-1000 € kwaye ufumana i-1500 €. Ngenyanga nganye, kuya kufuneka acwangcise ukungachithi ubuncinci i-150 € kuyo unyana umvuzo. Ezi € 150 aziyi kumvumela ukuba agcine imali, kodwa ukuba zalisa kancinci kancinci fumanisa.
Ungaba negative kwiakhawunti yakho yebhanki?
Ngeebhanki ezininzi, ekuphela kwendlela yokukwazi ukutshintsha engalunganga kukusayina, xa uvula i compte ngokubona, un isivumelwano sokuvula ityala, apho umthetho kwi le Ityala lomthengi lisebenza ngokupheleleyo. Kanye njengoko ku le ityala lesicelo sokuxhaswa ngemali kweentengo.
Indlela yokuphuma kwingxabano yebhanki? Phambi kokuba uthathe inyathelo lomthetho elinokuba neendleko ezinkulu, ungazama ukusombulula ingxabano ngoxolo.
- Qhagamshelana nebhanki yakho. …
- Yenza isikhalazo esibhaliweyo. …
- Qhagamshelana nomlamli zebhanki . ...
- Iindlela. …
- Ixesha lokuphendula. …
- Ukuqhelaniswa nefayile. …
- Inkqubo.
Indlela yokuphepha ii-ovadrafti zebhanki? Faka isicelo sekhadi eligunyazisiweyo olucwangcisiweyo
Ikhadi elinesigunyaziso esicwangcisiweyo sisisombululo esihle éviter le i-overdraft. Ngekhadi zebhanki eqhelekileyo, nokuba umthengi e fumanisa, usenako ukuyisebenzisela ukuhlawula evenkileni okanye ukutsala imali.
Zithini iindleko zebhanki?
Xa ubhencwa, yiloo ntoEst-ukuthi que le ibhalansi yeakhawunti yakho Est negative, kufuneka uhlawule umrhumo: ezi zezi iindleko zebhanki. Zibandakanya inzala yedebhithi. Isixa sazo siyahluka ngokwezikhundla zebhanki.
Indlela yokuphelisa inyanga ngaphandle kwemali? amagqabantshintshi ukumisa gqibela le ngenyanga ifunyenwe ?
- 1 / Jonga rhoqo iiakhawunti zakho.
- 2 / Nciphisa inkcitho “yolonwabo”
- 3 / Sebenzisa isoftware yohlahlo lwabiwo-mali.
- 4 / Cela uncedo lwangaphandle.
- 5 / Qonda imfuneko yokuchitha.
Indlela yokurhoxisa imali ngaphandle kwebhalansi?
Enye indlela ukukhupha imali ngaphandle ikhadi lebhanki kwelinye isebe elingelilo elakho - kunye nenye ibhanki - kukubonisa itshekhi engagqithwanga (eya kuvunyelwa) ukuba umntu wesithathu uya kube ekunike yona. Uya kuba nako ukufumana imali ayikhankanyayo.
Ngaba ndingayikhupha imali ngekhadi lam leVisa? Unga rhoxisa imali kwihlabathi jikelele kwii-ATM et, phesheya, kwi-arhente yokutshintshiselana ngemali, ebonisa uphawu ivisa okanye MasterCard. Ukwenza oku, kufuneka usoloko ungenisa ikhowudi eyimfihlo ye Ikhadi lakho.
Ndiyirhoxisa njani i-ovadrafti yam?
Kule nto:
- Thumela isicelo sakho kwibhanki yakho nge-imeyile ebhalisiweyo kunye nokuvuma ukuba usifumene.
- Ngokomgaqo, ibhanki yakho inyanzelekile ukuba yamkele ukuba ucela ukucinywa okucocekileyo nokulula kweyakho fumanisa kugunyaziswe.
- Nangona kunjalo, ukuba ucela inani eliphezulu le fumanisa , ibhanki yakho isenokwala.
Indlela yokuyeka ukukhutshwa? Kule nto:
- Thumela isicelo sakho kwibhanki yakho nge-imeyile ebhalisiweyo kunye nokuvuma ukuba usifumene.
- Ngokomgaqo, ibhanki yakho inyanzelekile ukuba yamkele ukuba ucela ukucinywa okucocekileyo nokulula kweyakho fumanisa kugunyaziswe.
- Nangona kunjalo, ukuba ucela inani eliphezulu le fumanisa , ibhanki yakho isenokwala.
Ngaba ibhanki inalo ilungelo lokurhoxisa i-ovadrafti yam ngaphandle kwesaziso?
La bank inokuphelisa ugunyaziso ifunyenwe ngaphandle kwesaziso xa kukho isizathu esivakalayo, umzekelo, xa kuthe kwagqithiswa fumanisa kugunyaziswe. Emva koko kufuneka inxibelelane nawe ngezizathu zayo, ukuba kuyenzeka, phambi kokupheliswa.
Indlela yokuphuma kwimeko embi yemali? Iingxaki zemali ? Yenza ngaphandle kumanyathelo ama-5
- Qonda ubunyani...
- Biza ingcali. …
- Faka isicelo semali-mboleko yobuqu. …
- Nxibelelana nabakweliti bakho. …
- Nciphisa izixhobo zakho zetyala zibencinci.
Uyonga njani imali kwaye usete ngokutsha iiakhawunti zakho?
Esinye sezitshixo zoku usete ngokutsha iiakhawunti zakhe, kukuphelisa zonke iindleko ezingafanelekanga. Kwaye kule rejista, ukubhaliswa kweTV ngumzekelo omhle kakhulu! Kuyinyani ukuba xa ucinga ngayo, ezi phakheji zeTV zingumthwalo wokwenene wemali ... Okokuqala ngenxa yokuba zibiza kakhulu.