Funda indlela kwaye uhlawula phi imali
Indlela yokuhlawula isheke
Indlela elula yokukhangela isheke kukuya kwibhankini okanye inkontileka yekhredithi apho unayo i-akhawunti. Ukuba awunayo i-akhawunti yasebhanki, kukho iindlela ezininzi ezichazwe ngezantsi.
- Buza malunga nayiphina imirhumo yokukhangela isheke kunye nezindlela ezincinci zokufumana imali yakho.
- Vumela umva wekhenkethi ngokusayina igama lakho kwindawo yokuvuma.
- Gcwalisa isaliti sokuposa (ukuba kuyimfuneko) kwaye usayine isiliphu.
- Bonisa ukuchongwa okusemthethweni kumxeleli.
- Yenza imali yakho kwaye uyibeke kwindawo ephephile ngaphambi kokushiya isakhiwo.
Kuphi ukuhlola imali
Iindawo ezifanelekileyo zokubheka imali yetshekhi yibhanki yakho, okanye ibhanki isheke itholakala kuyo (ibhanki ibhaliwe ebusweni bhekishe-apho imali iya kuvela khona). Ibhanki yakho mhlawumbi ayiyi kuhlawulisa nayiphi na imirhumo, kodwa kufuneka uhlawule ukuba uya kwibhanki yombhenkethi.
Imali epheleleyo? Inzuzo yokuya kwibhankini yombhenkethi yetshukumo kukuba unethuba elingcono lokufumana i-100 ekhulwini yexabiso lokutshekisha ngokukhawuleza - elo bhanki linokufikelela kwangangoko kwi-akhawunti yokujonga, ngoko ke imali iyakwazi ukuhamba ngokukhawuleza.
Imigaqo-nkqubo yebhanki yakho : Ibhanki yakho inokukuvumela ukuba uthathe i-$ 200 ngemali, kwaye kufuneka ulinde iintsuku ezimbalwa ngaphambi kokuba yonke imali ibe khona .
Ngokuqinisekileyo inokwenzeka ukuba ibhanki yakho iya kukuvumela ukuba uthathe imali eninzi ngokukhawuleza (okanye uchithe imali usebenzisa ikhadi lakho lokubambisa). Kodwa kude kube itekethi ihlulwe, kukho umngcipheko wokukhangela isheke kwaye uza kufuneka ubeke loo mali.
Naliphi na ibhanki inokunqanda ukukhangela isheke-nokuba ngaba umthengi wabo ubhale isheke kwaye unemali eyaneleyo.
Ibhanki inokugqiba isigqibo sokungabikho kwemali yokukhangela ukuba kukho into enokukrokra, okanye ukuba ayifuni ukukhonza abangewona abathengi.
Ezinye iindawo: Hlola ukuthengwa kweevenkile, ukuhamba kwangaphambili kwemali, kunye neentengiso zemini-mboleko yokuhlawula i-payday . Nangona kunjalo, bahlawula imali ephezulu, ngoko kukulungele ukuphepha ezo ndawo. Ngethuba lexesha, iiflawulo zongeza. Unokwenza ngcono (okanye ugweme iifizi ngokupheleleyo) ngokuvula i- akhawunti kwibhankini okanye kwimanyano yemboleko . Ukuba uzakufumana ngaphezu kwezinto ezimbalwa zokuhlola rhoqo ngonyaka, vula i- akhawunti yebhanki . Ukongezelela ukugcina imali kwiimirhumo, uya kusindisa ixesha elininzi ukuba unayo i-akhawunti yasebhanki.
Izitolo zokutya kunye neevenkile zithengisa ngaphantsi kuneenkcukacha zokuthengisa. Amanani angabelana ukusuka kwi-dollar ukuya kwii-dollar (okanye ngaphantsi). Buza malunga neenkonzo kwidesksi yesevisi yabathengi ngaphambili kwevenkile.
Ukuba ukuvula i-akhawunti yebhanki akuyona inketho kuwe, cinga ukusebenzisa iakhawunti yekhadi ehlawulwe kuqala . Amanye amakhadi ahlawulwe kuqala akuvumela ukuba ufake iifowuni kunye nefowuni yakho yeselula (ngoko akudingeki ukuba uhambo luye kwi-check checking store okanye isebe lebhanki). Ungayisebenzisa ke ikhadi ukurhoxisa imali okanye usebenzise ukuthenga (nangona unokuba ulinde isheke ukuze ucacise ngaphambi kokuba uchithe yonke imali).
Thatha ixesha lokufunda malunga nawo onke amasebe afumaneka kuwe, kuquka ii-ATM ezamkela iifomethi. Amalungu omanyano-mboleko angaba neenketho ezongezelelweyo: Ukuba umanyano wakho weentengo zemali uyinxalenye yentsebenziswano ye-branching yenethiwekhi, ungasebenzisa amawaka amasebe ehlabathini lonke kwii-check checks.
Idilesi okanye Fumana iCash?
Akunakufuneka uhlawule isheke. Unokuhlala ubeka imali ngaphandle kokuthatha imali. Ibhanki iya kwandisa imali kwi-akhawunti yakho kwaye ungayisebenzisa imali kamva. Fumana kuphela imali xa uceba ukuchitha imali kungekudala. Imali ikhuselekile ebhankini, kwaye awuyi kuhendeka ukuba uchithe ngaphezu kokufunayo.
Kungenzeka nokuba kube lula ngakumbi ukufaka isheke. Unokwenza oku kusuka kuyo nayiphi na ifowuni yeselula, okanye ungasuka nge-ATM ukuze wenze idiphozithi emva kokuba ibhanki yakho ivaliwe.
Ngaphambi kokuhlawula i-Check
Ngaphambi kokuba uzame ukufumana imali, qiniseka ukuba isheke sivumelekile.
Ukuba uzama ukukhangela isheke esingekho mthethweni, ungena enkingeni yomthetho, uhlulwe, okanye ugqibe ukuhlawula imali kwibhanki.
Ezinye izigameko eziqhelekileyo ziquka ukuhlawula ngetekisi lokukhohlisa, kwaye ke ukucela ukuba wenze into ethile (njengemali yecingo ngaphandle okanye unikeze imali kumbhali wokukhangela) ngaphambi kokuba ikhonkco iqhube. Ezinye iinkalo zeengxaki zibandakanya ukukhangela isheke kumntu omnye okanye ukutyikityela isheke phezu komntu ukuze bakwazi ukukuhlawulela.
Xa ungathandabuzeki, biza ibhanki ekhuphe isheke ukuze uqinisekise imali kwi-akhawunti ngaphambi kokuba uzame ukuyifumana.
Ukuba awuqinisekanga ukuba isheke livumelekile, mhlawumbi uthathe ngqo kwibhankini yombonakalo okanye ubeke isheke kwaye ulinde iiveki ezimbalwa ukuba zicime . phambi kokuba uchithe imali.