Ndalama zamabanki nthawi zambiri zimakhala zotsika mtengo pansi pa sitetimenti yanu yakubanki pamwezi. Ngakhale sizowonongeka kwambiri, zimatha kuwonjezera pakapita nthawi ndikukutafuna zomwe mumapeza. Ndipo gawo loyipa kwambiri? Nthawi zambiri amapewa. Dziwani momwe mungapewere chindapusa chakubanki monga chindapusa cha ATM chakunja kwa netiweki, chindapusa cholemba mapepala, ndi chindapusa cha overdraft.
Malipiro a overdraft
Pamene kugulitsako kukukankhira ndalama zanu zowonongeka mu akaunti yanu, banki yanu idzachita chimodzi mwa zinthu ziwiri: mwina kuletsa malondawo kapena kulola kuti malondawo adutse ndikukankhira ndalama zanu muzolakwika. Ngati banki ichita chomaliza, ikubwereketsani ndalama zotsalazo kuti mulole kuti malondawo adutse. Idzakulipiraninso chindapusa cha overdraft. Malipiro a overdraft nthawi zambiri amakhala $30.
Mabanki ena amalipiritsa makasitomala chindapusa chilichonse chomwe apanga pomwe akaunti yawo ili pamavuto, pomwe ena amatha kulipira chindapusa cha overdraft tsiku lililonse kuti ndalama za akauntiyo zikhalebe zolakwika. Muyenera kulipira ndalama za overdraft izi, pamodzi ndi ngongole kubanki mu nthawi yochepa. Ngati simutero, banki yanu ikhoza kukulipiritsani chiwongola dzanja chowonjezera - izi zimachitika nthawi zambiri ndalama zanu zikadakhala zopanda pake kwa masiku 5 mpaka 7 abizinesi.
Kodi mungapewe bwanji chindapusa cha overdraft?
Njira imodzi yopewera chindapusa cha overdraft ndikulembetsa dongosolo lachitetezo cha overdraft lomwe limakupatsani mwayi wolumikiza akaunti yanu yowerengera ndi akaunti ina. Ngati kugulitsako kukukankhira akaunti yanu yoyang'anira kukhala zolakwika, akaunti yolumikizidwayo imatha kubweza ndalama zomwe zimayimitsa akaunti yoyang'anira kuti isalowe ku overdraft. Mutha kulumikiza akaunti yanu yochezera ku akaunti yosungira.
Nthawi zonse akaunti yanu yosungira ikadzagwira ntchito, mutha kukumana ndi chindapusa chosinthira. Kulipiritsa chindapusa china sikoyenera, koma ndi kochepa kwambiri kuposa chindapusa cha overdraft. Njira ina yomwe muyenera kuganizira ndikusinthira ku banki yomwe simalipiritsa makasitomala chindapusa. Izi ndizomwe zimaperekedwa ndi mabanki a pa intaneti okha.
Kodi mungapewe bwanji kubweza ndalama zambiri?
M'malo mopeza njira yothetsera chindapusa cha overdraft, muyenera kuyang'ana njira zomwe zimakulepheretsani kulowa mu overdraft palimodzi. Zosankha zotsatirazi zitha kuchita zimenezo.
Bajeti yaumwini
Bajeti yaumwini ingakuwonetseni momveka bwino kugwiritsa ntchito malangizo a mwezi wonsewo. Mukatsatira malangizowo, simudzakhala ndi mwayi wowononga ndalama zambiri ndikukankhira ndalama zomwe mumayang'anira akaunti yanu kukhala zoipa.
Zidziwitso za kusanja
Khazikitsani zidziwitso zocheperako kudzera pamabanki anu apa intaneti. Chenjezo locheperako lidzakudziwitsani zomwe zili muakaunti yanu yoyang'anira zikuyandikira zero, ndikukukakamizani kuti mukhale osamala popanga zina zowonjezera.
Ngongole yoopsa
M'malo mogwiritsa ntchito akaunti yanu yowerengera kuti mulipire ndalama zomwe zikufunika mwachangu kunja kwa bajeti yanu, mutha kugwiritsa ntchito yanu thumba ladzidzidzi. Izi zitha kukulepheretsani kuyika mwangozi akaunti yanu yoyang'anira mu overdraft. Bwanji ngati mulibe thumba lachiwopsezo? Pali njira zina zomwe mungaganizire kunja kwa akaunti yanu yochezera - makamaka ngati ndalamazo zili pafupi ndi pansi. Mutha kuyang'ana njira zosinthira pa intaneti ngati mizere yanu yangongole.
Ndi ngongole yanu, mutha kugwiritsa ntchito ndalama zomwe mwabwereka kuti mulipirire zomwe zachitika mwachangu pakanthawi kochepa. Ndalamazo zikalipidwa, mukhoza Yang'anani pa ndondomeko yobwezera yokhazikika kupyolera mu ndondomeko yolipira pamwezi. Izi zitha kukhala zodetsa nkhawa kwambiri kuposa kuyesa kubweza ndalama zomwe banki yanu idachita, komanso chiwongola dzanja cha overdraft. Mizere yanu yobwereketsa ngongole iyenera kuganiziridwa pazifukwa zadzidzidzi pokhapokha mulibe ndalama zokwanira zosungira. Sizikugwiritsidwa ntchito pazinthu zatsiku ndi tsiku, monga golosale kapena ndalama zothandizira.
Ndalama za ATM zakunja kwa intaneti
Nthawi zonse mukatulutsa ndalama kuchokera ku ATM yomwe siili mu netiweki ya banki yanu, banki yanu idzakulipitsani ndalama za ATM zakunja (nthawi zina zimatchedwa ndalama za ATM zakunja). Kuphatikiza pa ndalama za banki yanu, ATM idzakulipirani ndalama zogwiritsira ntchito ntchito zawo. Izi nthawi zambiri zimakutengerani $5 yowonjezera pakuchotsa.
Kodi mungapewe bwanji ndalama za ATM zakunja kwa intaneti?
Yesani zotheka kuti mutenge ndalama kuchokera ku ma ATM omwe ali pa netiweki yanu. Ngati simukudziwa komwe onsewo ali, mutha kugwiritsa ntchito pulogalamu yam'manja ya banki yanu kuti mupeze malo omwe ali pafupi nanu. Njira ina ndikupempha "kubweza ndalama" ku registry mukapita kogula. Wogulitsa akhoza kukulipirani kandalama kakang'ono kothandizira izi, zomwe zingakhale zocheperapo kuposa chindapusa cha ATM chakunja kwa intaneti. Akhoza kulipira pafupifupi masenti 50 pa ntchitoyo.
Malipiro a pepala
Mabanki nthawi zambiri amakulipirani "chindapusa cha pepala" kuti mulipirire mtengo wosindikiza ndi kutumiza zikalatazo kwa inu. Malipiro awa nthawi zambiri amachokera ku $ 2- $ 3 mwezi uliwonse.
Kodi mungapewe bwanji chindapusa cha pepala?
Ndizosavuta. Pitani opanda mapepala. Lowani muakaunti yanu yakubanki yapaintaneti kapena pulogalamu yamabanki yam'manja ndi kupita ku zoikamo. Zokonda ziyenera kupereka mwayi wopita wopanda mapepala. Mudzakhalabe ndi mwayi wowonanso zikalata zanu zakubanki pa intaneti. Ngati mungafunike kopi yeniyeni ya sitetimenti yaku banki, mutha kupita ku akaunti yanu yapaintaneti, kuitsitsa ndikusindikiza kunyumba. Osavomereza mwachimbulimbuli ndalama zaku banki ngati mtengo wochitira bizinesi. Sikuti nthawi zonse muzilipira. Tsatirani kalozera wosavutayu kuti mupewe ndalamazi kuyambira pano kupita mtsogolo.
Ngongole yazithunzi: The chithunzi ndi zophiphiritsa ndipo zachitika ndi Ono Kosuki.
