Izinto ezi-5 kwi-Intanethi ye-Intanethi ayikwazi ukunikela
Nangona kunjalo, ungeke ufune ukutshisa ibhanki ( okanye i-yunithi ye-credit union ) okwamanje. Nangona zibonakala zidala, zibonelela ngeenkonzo ezinobungakanani osikhumbulayo xa ungeke ube nazo.
Ngaba oku kuthetha ukuba kufuneka uvale i-akhawunti yakho kuphela? Akhondlela. Ukuba awunayo i-akhawunti yokugcina i-intanethi (ungakhangeli ukutshekisha) ulahlekile .
Iimvavanyo zeCashier Instant kunye neMirhumo yeMali
Kufuneka wenze ukuthenga, kodwa ikhadi (okanye isheke lomntu) akuyi kuyenza nje? Kweminye imicimbi - njengento yokuthenga ekhaya kunye neentlobo ezithile ze-deposit - uya kufuneka "ichithwe" iimali. Oku kuthetha ukuba uzakufuna ukuzisa isicatshulwa se-cashshi , imali yomnxeba , okanye unikeze umyalelo wemali kuye nabani na ohlawulayo.
Ezinye iibhanki ze-intanethi zinika i-cashier's checks - kodwa awufumani inkonzo yosuku olufanayo. Uya kufuneka ulandele ikhonkco kwi-intanethi uze ulinde iintsuku ezimbalwa zeposi (okanye uhlawule umrhumo omncinci wenkonzo yobusuku).
Kwamanye amaxesha, awuyi kukwazi kakuhle ukuba ingakanani isheke kufuneka ibe yintsuku okanye ezimbini ngaphambi kokuthenga kwakho. Kuyinto enomdla ukuba utshintshe izinto ngaphandle kokubopha imali yakho (sele uke wazama ukukhansela isheke lomthengisi ngeposi ?).
Ukuba unokuzingela ukuqesha indlu epheleleyo okanye ukwenza iingxoxo zengcaciso yokugqibela kwintengo yokuthenga ekhaya, ukufikelela kwangoko kuyimfuneko.
Ukurhoxiswa kwemali engenamkhawulo
Kusenokwenzeka ukuba ungasidingi ixesha elide lemali - kodwa xa wenza, kulungile ukuba nenketho. Mhlawumbi ufuna ukuthenga imoto esetyenziswa kwesaziso esifutshane.
Ngeke kube lula ukufumana yonke into oyifunayo kwi-ATM. Kukho iindlela zokufumana imali eninzi yemali kwi-akhawunti yebhanki ye-intanethi, kodwa kuthatha inqaku elithile.
Ukuba unayo i-akhawunti kunye nebhanki yesikitini kunye ne-mortar okanye inkontileka yemali, ukufumana imali kunzima nje ngokugcwalisa isalathiso sokurhoxa esesebe. Njengobhonasi, unokufumana imali ngokukhawuleza kwi- akhawunti yakho ngokukhawuleza kwaye kulula - ngoko akudingeki ukuba ugcine ukungafihla (okanye ukulinga) ukukhawuleza kwemali ngeenxa zonke kunokuba kuyimfuneko.
Iibhokisi zeDistim ekhuselekileyo
Unayo ixabiso elincinci kwaye akukho ndawo efanelekileyo yokuyigcina? Ngaba ukhathazekile malunga noko kwenzeka ntoni kwiifayile zakho ukuba indlu yakho ibamba umlilo?
Ibhokisi edibeneyo ekhuselekileyo yindawo enkulu yokugcina amaxwebhu abalulekileyo kunye neempahla ezincinci . Esikhundleni sokubuyisela kwakhona ivili kunye nokudala i-ultra-safe (indawo engenamlilo, ukungabinqatshelwa, ukungagxinwa kwamanzi) kwindawo yakho, vumela iingcali zisebenzise. Amabhanki aya kugcina izinto zakho ngeendleko eziphantsi kakhulu, kwaye kufuneka nje ufike kwiofisi ngexesha leebhanki ukufumana izinto zakho.
Kukho amaxwebhu amaninzi onokuthi ube nawo, kodwa ayidinga ngokukhawuleza: izatifikethi zokuzalwa, iikhodi zoKhuseleko lweNtlalo, ikopi okanye iimvelaphi zezivumelwano ezithile, kunye nokunye. Ukuba ngaba yingozi nje elindele ukuba kwenzeke, kutheni ungawafaki kwisiko esinokwenza umsebenzi omhle wokuwagcina ukhuselekile?
Impendulo yodwa yeebhokisi zepositi ekhuselekileyo kukuba unokufuna into ethile xa ibhanki ivaliwe. Ukuze ugweme iingxaki, ungafaki nayiphi na into apho ungayifumana kwisaziso esifutshane, ezifana neepassports kunye nezikhokelo zonyango.
Indawo yeeNkozo zakho
Yintoni omele uyenze nazo zonke ezo mali zemali ezigqityiweyo kwibhokhwe yakho yemali? Lezo ngqekembe ziyimali, ngoko ke kukufanelekile ukuzibeka kwifomu elula ukuyisebenzisa- nokuba uyayichitha imali okanye uyisebenzise ukuyilondoloza.
Ukuba unayo i-akhawunti yebhanki ye-intanethi, ukuthunyelwa kwemali yakho ayinakwenzeka (kwaye mhlawumbi ayivumelekanga). Unokuhlawula ukuba ubaleke kumatshini kwisitolo sokutya, kodwa ubuninzi beebhanki kunye neemanyano zeentengo zemali ziyakwamukela idizithi zemali ngaphandle kokuthatha i-chunk yolondolozo lwakho. Bokuba banokukuvumela ukuba ungenise ingqayi edibeneyo kwaye wenze konke ukukhetha nokubala kwakho.
Iinkonzo zeNkcazo
Ezinye izivumelwano kufuneka zibhalwe. Oku kuthetha ukuba iNkcazo kaRhulumente idinga ukuqinisekisa ubungqina bakho kwaye ibukele ukuba usayine loxwebhu. Oku kuqinisekisa ukuba nguwe ngokwenene owawusayine loxwebhu, kwaye wenza njalo ngokuzithandela (phakathi kwezinye izinto).
Ngenkcazo, ibhanki ye-intanethi ayikwazi ukubonelela ngenkonzo yangomntu. Kodwa iibhanki ezininzi kunye neemanyano zemali-mboleko zenza - ngokuqhelekileyo mahhala (ubuncinci omnye okanye amabini asayina angabakhokhelwa, kodwa uya kuhlawula umrhumo ukuba unayo imbali yamaphepha).
Njengokuba zininzi iinkonzo kumasebe ezitena kunye namadaka, ukufumana uxwebhu olungqapheliyo akuyona into oyifunayo imihla ngemihla. Kodwa kubaluleke kakhulu kwezo zihlandlo xa ufuna. Ngaphandle koko, unokufumana i-notary (okanye imoto) yaseburhulumenteni ukuba inokusingatha nayiphi na ifayinitsha.
Ukujongana Nokujongana Neentlanganiso
Siphila kwilizwe elithe tye, kwaye imisebenzi emininzi kulula ukuyifumana kwi-intanethi. Ukujongana nokuthengiswa okulula kumntu kunzima kwaye kaninzi kuyinto ephazamisayo.
Oko kwathiwa, kukho amaxesha apho kukuhle ukuhlala phantsi nomntu ubuso nobuso. Ukunxibelelana ngefowuni okanye kwi-intanethi akusoloko kucacile, kwaye ngamanye amaxesha kungcono kakhulu (kwaye ngokukhawuleza) ukuthetha nokukhomba kwizinto kunokuthayipha imibuzo kunye nezimpendulo.