Ukucacisa nje, zombini amashishini kunye nabathengi banakho "ukufaka" ukuhlola ngokuthumela isithombe sesheke.
Ixesha elide lokugcina idiphozi ngokubanzi libhekisela kubathengi bebhanki bezoshishino - ngokuqhelekileyo besebenzisa iskena sokuhlola isheke. Nangona kunjalo, abathengi abanee-akhawunti zebhanki (kunye namanye amashishini kunye neakhawunti zoshishino) banokufaka nje ukufaka iisheke ngefowuni yeselula .
Ngaba iDisposithi yokude iSebenza?
Ngaphambi kokuba ubhalise kwidizithi edeleyo, qiniseka ukuba kuqondakala kwishishini lakho. Le nkonzo ibhetele kakhulu kumashishini enza iinkqubo ezininzi zokuhlola. Unokuchaza ukuba nangona ufuna, kodwa ngaphezu ko-30 okanye ukuhlola njalo ngenyanga kungase kube ngumyinge osisiseko.
Kutheni umthamo ophezulu weetekisi lubalulekile? Kubiza imali ukutyikitya kwinkonzo yebhanki yakho ekude i-deposit - kunye nezinye iindlela zokunceda zifumaneke. Iibhanki ezininzi kwaye zikuvumela ukuba ufake iifowuni kunye nefowuni ephathekayo ngaphandle kweendleko (nakwii-akhawunti zezoshishino), ngoko idiphozithi edeleyo inengqiqo ukuba ifowuni yeselula ayaneleyo kwiimfuno zakho.
Idiphothi ekude ihamba ngokukhawuleza kunokuba isebenzise ifowuni yeselula, ngoko kuya kuba yinto enemali yakho. Ngaphezu koko, iibhanki ezininzi zinciphisa ukuba zingaphi iisesheke onokuzifaka kuyo inyanga nganye, kwaye zibeka umda osemgangathweni wama dollar malunga nokuba ungayifakela ngaphaya kwefowuni yesiselula (umzekelo, kukho idiphozithi yeselula engama-50 okanye i-$ 15,000, nokuba yiyiphi into efika kuqala) .
Ukuba ulapha ngaphaya kwaloo mkhawulo okanye ugqibe ekubeni ixesha lakho lifanelekile ngaphezu kwemali, nika idilesi ekude.
Ingaba isebenza kanjani
Ukuba ulungele ukudlula ngaphaya kweso sixhobo sakho, qhagamshelana nebhanki yakho malunga nokuthinjwa kwe-deposit kude. Ezinye iibhanki zinika ithuba lokuvavanya ngexesha lokuhlalutya inkonzo kwaye ubone ukuba kuxabisa iindleko. Basenokude baphononwe kwiskrini sokukhangela i-free, nangona uhlawula enye indlela okanye enye (umzekelo, iBhanki yaseMelika ihlawula i-$ 40 ngenyanga).
Emva kokuba usayinwe, uza kufumana umtshini wokutshekisha oya kwi khomputha yakho. Ngokuqhelekileyo uzakufuna nje ukuthayipha kwisixa somatshini, kwaye yonke into iya kufundwa ngumseshini. Ukutshintshisa kukukhawuleza kakhulu, ngoko ungazihambisa ngokukhawuleza kwinqanaba lokutshekisha - ngokukhawuleza kunokuba unakho ngefowuni yeselula.
I-scanner ithumela umfanekiso wesheke kwibhanki yakho, kwaye ibhanki iqokelela imali usebenzisa ezo mifanekiso. Hlola kwibhanki yakho malunga nokuba uhlala ixesha elide ukuya kubani na ukuhlola oye wawahlola - awufuni ukuwagcina ngonaphakade, kwaye awufuni ukuphosakela ngesohlwayo isheke osube usifake kunye nokuthinjwa okukude.
Ukufumaneka kweengxowa-mali (Kulungile okanye Okubi)
Enye yeenzuzo eziphambili zeenkonzo zokugcina idizithi kukuba ungayinakukunyamekela "iiyure zebhanki." Uninzi lweebhanki likuvumela ukuba uqhube uhlolisiso lwakho kuze kube sebusuku (kuze kube ngu-10: 00 ntambama okanye kwimizuzu ethile) ukubetha idiphozithi yosuku ixesha lokunciphisa.
Kwiimeko ezininzi, ibhanki yakho iya kwenza imali efumanekayo kuwe ngosuku olunye lwezebhizinisi (nangona uza kubanjwa ngokukhawuleza). Ziindaba ezilungileyo, kwaye usenokucinga ukuba ngenxa yekhnoloji, kodwa kukho ezinye iindaba ezimbi: imali ayizange ihambe ngokukhawuleza. Ibhankini yakho ibonisa nje ukuba iireki ayiyi kuhlawula , kodwa kungathatha iiveki ezimbalwa ukuba wazi ngokuqinisekileyo ukuba isheke ilungile . Ngelo xesha, uvumelekile ukuba usebenzise imali, kodwa unembopheleleko ukuba i-check ithoxisa - ibhanki iya kukhangela loo mali kwi-akhawunti yakho, kwaye ukuba i-akhawunti yakho iya kuphazamiseka kufuneka ujongane nayo (kungekhona khankanya nayiphi na imali ekhoyo yokukhangela iibhanki zakho zebhanki).
Ukuba unomdla malunga nokuhlola abathengi bakho bhala, thabatha amanyathelo okuphepha ukuhlola okubi . Unokwazi ukubhalisela inkonzo yokuqinisekisa ngetshekhi , eya kuphucula amathuba akho kunye nokukunceda ukuba ugweme ukuhlawula imithwalo rhoqo xa iteksi ihlawula.