Zomwe zimagwiritsidwa ntchito ndi ndalama zowonjezereka, zingakhale zothandiza ngati mukufunika kupeza ndalama mwamsanga. Pazinthu zina, m'malo mwake, ntchitoyi imapanga phokoso. Ngati palibe chifukwa chowonjezera ndalama zowonjezera, mwiniwake wa khadi la malipiro ayenera nthawi zonse kusunga malire ake. Pogwirizana ndi pulogalamu yotereyi, muyenera kuphunzira mgwirizano mwatsatanetsatane, kuti musapitirize chiwongoladzanja chowonjezera.
Kodi kubwereka kwa banki ndi chiyani?
Ntchito yowonjezera ndalama zoperekedwa kwa anthu payekha ndi mabungwe alamulo nthawi zambiri imakhala ndi pulogalamu yokongoza ngongole. Zinthu zake ndi izi:
- kusamutsira ndalama ku akaunti yamakono yamakono;
- kuchuluka kwa ngongole kwalembedwa mosasamala ndalama;
- chiwongoladzanja chofuna kubwereketsa ndalama chimayendetsedwa ndi banki - mwina sichikupezeka, kungowonjezera pokhapokha ngati malipiro amatha kapena amasiyana malinga ndi ndalama;
- Kuwongolera, monga lamulo, kumapereka ndalama zochepa panthawi yocheperapo - panthawi ya mavuto azachuma.
Kodi khadi loperekedwa pa khadi ndi chiyani?
Makhadi okhala ndi zolembera zambiri adagawidwa. Nthaŵi zambiri, iwo amapatsidwa ku akaunti yeniyeni ya kasitomala, komwe amalandira malipiro kapena akaunti ya ndalama. Kodi ndalama zambiri zimagwira ntchito bwanji - banki imasamutsira akaunti ya kasitomala ndalama zomwe zili mu mgwirizano, zomwe zidzakhalapo kwa nthawi inayake.
Kumapeto kwa nthawiyi, kasitomala akuyenera kulipira ndalama ndi chidwi, malingana ndi mgwirizano. Ngati ndalama zowonjezera sizingatheke kwa wothandizira, sangathe kuzigwiritsa ntchito, kusunga malire ake kapena kukana utumiki woteroyo. Pa nthawi imodzimodziyo, muyenera kukumbukira kuchuluka kwa momwe mukuyenera kukhalira pa khadi - ichi ndi chimodzi mwa zovuta za mankhwalawa.
Kodi ndalama zowonjezera zimaloledwa ndi chiyani?
Monga lamulo, ndalama zowonjezereka zowonongeka zikuwerengedwa malinga ndi ndalama zomwe zimabwera ku akaunti yamakonoyo. Nthawi zina utumiki woterewu ukhoza kuphatikizapo polojekiti ya malipiro. Kalata yogwira ntchito ingakhale ngati ndalama zowonjezera. Kulembetsa kaundula kungafunike zambiri zowonjezera:
- kukhalapo kwa kulembedwa kwamuyaya;
- kutsimikiziridwa kwa chidziwitso cha ntchito;
- palibe ngongole ya ngongole zina.
Malire a overdraft - ndi chiyani?
Nthawi zonse, kupereka ndalama zowonjezereka kumaphatikizidwa ndi malire pa malire omwe amagwiritsidwa ntchito. Malire ndi ndalama zomwe angagwiritsidwe ntchito ndi kasitomala pazinthu zaumwini ndipo ayenera kubwezedwa mkati mwa nthawi inayake. Nthaŵi zambiri, amawerengedwa ngati peresenti ya ndalama pa akaunti yokonzanso ndi chiwongola dzanja chawo. Chinthu china chogwiritsira ntchito chiwongoladzanja chopezekapo chingakhale kuchepetsa malire a kuchotsa ndalama ndi kuwonjezeka kwake pamene mukubwezeretsa akauntiyo.
Kodi kutolera ndalama kumasiyana bwanji ndi ngongole?
Zilibe kanthu ntchito imodzi - kupereka ndalama kwa kugwiritsira ntchito makasitomala ndi kubwerera kwawo ndi chidwi ndi opanda, kusiyana pakati pa overdraft ndi ngongole akadalipo. Zinthu zotsatirazi zikhoza kusiyanitsa:
- Monga lamulo, ngongole imapereka ndalama zowonjezera pa chikhazikitso chokhazikika chomwe chikugwiritsidwa ntchito mu mgwirizano, ndi kubweza ngongole popanda ndalama pokhapokha kubweranso kwa nthawi yake. Ngati ndalama zowonjezera ndalama zatha, chiwongoladzanja chake chikhoza kukhala chachikulu kuposa kulipiritsa ndalama pa ngongole ya ngongole.
- Kuwongolera, monga lamulo, sikutanthauza kutsimikizira kwa phindu, koma kumaperekanso kugwiritsa ntchito ndalama zochepa kwambiri kuposa ngongole.
- Ndalama ya ngongole imadalira kusungidwa kwa kasitomala, ndipo kuchuluka kwa ndalama zowonjezera kumachokera ku malipiro omwe amabwera ku akaunti inayake kapena kuchuluka kwa ndalama zowonjezera.
Kodi ndi chiyani chomwe chimakhala choopsa kwa anthu payekha?
Pokhala ndi ndalama zina, munthu akhoza kuiwala za kubweza ngongole kubanki. Izi zimatchedwa "technicaldradradraft" - ngongole polipira ndalama. Nthaŵi zambiri, zimapezeka pamene malire omwe alipo atha kukhala pansi pa mgwirizano wa overdraft. Pachifukwa ichi, kuwonjezera pa kulipiritsa kwakukulu koperekedwa pa mgwirizano, pangakhale chiwerengero cha kuchepetsa kubwezera, zomwe zimakhala zochepa kangapo kuchuluka kwa ndalama zomwe zimagwiritsidwa ntchito.
Pali milandu pamene wothandizirayo amachoka ku akauntiyo kuposa ndalama zambiri, zomwe zimaphatikizapo ndalama zoperekedwa ndi banki. Chifukwa cha zochitika zoterozo n'zotheka kuti agwidwe ndi kulipira ndalama zowonjezera. Nthawi zina pamene khadi latsopano limatulutsidwa, ntchito yowonjezera ndalama imangowonjezera, ndipo ngati kasitomala sakudziwa za izo, ikhoza kubweza ndalama zambiri. Choncho ndikofunika kufufuza mautumiki onse operekedwa ku khadi la banki. Tengani ndalama zowonjezereka ndikuiwala zafunika kuti muike malire pa akaunti - ndizoopsa kwambiri kwa kasitomala.
Kodi mungagwirizanitse bwanji ndalama zowonjezereka?
Atamvetsa zomwe zimachitika pa ntchito yowonjezereka, kasitomala amadziwa ngati pulogalamuyi ikufunika kapena ayi. Ngati mukuyankhidwa bwino, muyenera kulankhulana ndi ofesi ya banki kuti mukwaniritse mgwirizano. Ndondomeko yogwirizanitsa ntchito yowonjezereka ikusiyana pa banki iliyonse. Nthawi zina, zimangogwirizana. Mofananamo, malire okwera mtengo amawerengedwa - malingana ndi phindu la mwezi ndi kubwereka kwa ndalama pa akaunti.
Nthaŵi zambiri, chidziwitso chodziwika chokha ndichokwanira, makalata a makasitomala angafune pepala lina:
- zolemba;
- umboni wa ndalama;
- ndemanga za akaunti.
Kodi mungalephere bwanji kuchotsa ngongole?
Ngati ndi kotheka, ntchito yowonjezereka ikhoza kutsekedwa. Pachifukwa ichi, ndiyenera kulankhulana ndi banki kuti muwononge mgwirizano. Chimodzi mwa zinthu zomwe zingakhalepo pazochitikazi ndizo kupezeka kwa ngongole pansi pa pulogalamuyi. M'mabungwe osiyanasiyana a zachuma pali zosiyana zosiyanasiyana kuti apereke ndalama zoterezi. Zili zolembedwera mgwirizano. Ngati pali vuto kuti ndalama zowonjezereka sizingathetsedwe, ndiye polemba mgwirizano, mungathe kufotokoza malire a ndalama.
Ziribe kanthu chomwe womasitomala amasankha - ngongole kapena pulogalamu ya overdraft, muyenera kuganizira kuti zinthu zonse za banki zimagwirizana ndi kusungidwa kwa ndalama. Chidwi chogwiritsira ntchito ndalama za banki ndi malingaliro awo angasinthe, choncho, ziribe kanthu momwe angayesere, ndikofunikira kukumbukira kuti ndalama zowonjezereka ndi zotani, ndipo ndizoopsa zotani zomwe zingagwirizane nazo.