- Ukuxhasa intsapho kunye nabathandekayo kwilizwe lakho
- Ukwenza imali yendawo ufumaneke ngaphandle kwelo xesha
- Ukubuyisela imali mboleko
- Ukuthenga izinto
Kubaluleke kakhulu ukusebenzisa iintlawulo zokuhlawula ngokufanelekileyo. Njengoko uvela ngaphandle, awunalo amava kunye nezibonelelo ezikhoyo ukuphepha ukuhlawula imali. Ngamanye amaxesha, ezo ndleko zingafikelela kuma-20 ekhulwini kwindleko oyithumelayo (okanye ngaphezulu).
Indlela yokuThumela ukuThunyelwa kweMali
Iintlawulo zekhompyutheni yindlela elula kwaye ekhawulezayo, kwaye unako ukwenza ezo ntlawulo kwimithombo eyahlukeneyo.
Iibhanki kunye neemanyano zemali-mali zingaba yinto efanelekileyo yokudluliselwa okungaqhelekanga. Ngokuxhomekeke kwiinkonzo zebhanki yakho, unokukwazi ukuthumela imali kwibhanki yeqabane, ivenkile yokuthengisa, okanye kwenye indawo kumazwe akhethiweyo. Ukuze wenze njalo, cela ummeli okanye ummeli wenkonzo yabathengi malunga nokudluliselwa kwamanye amazwe, iintlawulo ze- ACH kunye nokudluliselwa kwentambo .
Iinkonzo zokudlulisela imali ngokukhethekileyo ekuncedeni abafuduki nabanye benza iintlawulo ezininzi rhoqo kumazwe angaphandle.
Unako ukhetho oluninzi kule ndawo, kubandakanywa iimpawu ezisetyenziswayo kunye nezihlandlo ezihamba rhoqo.
- Ukudlulisa i-intanethi, vula i-akhawunti, unikele ngolwazi malunga nommkeli, kwaye uhlawule imali yokudluliselwa kwakho. Ungasebenzisa ngokubanzi i- akhawunti yasebhanki exhumeneyo , ikhadi lokubambisa, okanye ikhadi lekhredithi ukuze wenze iintlawulo. Qaphela ukuba indlela yakho yokuxhaswa ngemali ichaphazela ukuba uhamba ngokukhawuleza kangakanani imali kunye nendlela ohlawula ngayo imali. Amakhadi eemboleko ngokuqhelekileyo iyona ndlela ebiza kakhulu kuba uhlawula imali yentlawulo yangaphambili kunye neerhafu zemali ephezulu kulezo zilinganiso.
- Ukutshintshela kumntu, tyelela indawo kunye nokuzisa imali okanye usebenzise nayiphi na indlela yezimali echazwe ngasentla. Iinkonzo zokudlulisela imali zihlala zineentengiso kwiivenkile zokutya okanye kwiindawo zokuthengisa ezilula. Abanye bahlinzeka ngeenkonzo zokuzikhethela nge-ATM okanye nakwezinye iimashishini ezizodwa.
Abaqhubi abatsha bangena kwi-retirement space rhoqo, kubandakanywa nabanikezeli bee-blockchain kunye ne-app-based based remittance providers. Ngaphambi kokuba uthumele imali ngeenkonzo ongaziqhelanga nazo, funda uhlolo ngokucophelela uze ufunde ukuba ziphi ukukhuselwa kwabathengi (ukuba zikhona) ziyafumaneka. Ukuba ufuna ukukhuselwa okukhulu, gcina kwi-bhanki yakho okanye inkontileka yekhredithi, uphawu olusasaziwa, okanye umniki-mali ogunyazisiweyo.
I-Western Union kunye namanye amagama asekhaya ahlala ngokufanelekileyo kwiidolophu ezininzi, kwenza kube lula ngabaqalayo ukuba bathumele imali yokuthumela imali. Kodwa ukufikelela okulula kunokubenza babe kubi ngakumbi kunezinye iinkonzo.
Iirekhodi kunye neemali zemali nazo zincedo-ukuhlawulwa kwemali ayikho nje ikhompyutha. Nangona kunjalo, iintlawulo zephepha zincinci kunokuba zikhetho ze-intanethi, kwaye zingadinga ummkeli nge-akhawunti yebhanki kwilizwe olithumela kulo. Xoxa ngeemeko zengingqi kunye nommkeli wakho, kwaye ugcine engqondweni ukuba kunokuba yingozi ukuthumela imali eninzi ukuba akukho ne-akhawunti yebhanki efumanekayo yokugcina.
Amakhadi ahlawulwe kuqala unokukhetha. Isisombululo kulula: Ulayisha imali kwikhadi , kwaye umxhamli unokuchitha loo mali kubathengisi nakwi-intanethi. Kodwa amakhadi ahlawulwayo ayaziwa ngokuba yimali, kwaye ukufumana ikarhulumente kwelinye ilizwe kunokuba nzima-ngaphandle kokuba umntu ezisa nabo. Kwakhona, kwezinye iindawo, ukusebenzisa ikhadi akulungele.
Imirhumo yokuthumela nokufumana
Uhlawula iintlawulo kwilizwe langaphandle ngeendlela ezimbini:
- Imirhumo yenkonzo kumniki-ntlawulo
- Ukusasazeka , okanye iindleko ezongezelelweyo ezakhiwe kwisilinganiso sokutshintshiselwa (esaziwa njengelona margin)
Umzekelo: Idoli yase-US inokulinganisela i-pesos ezingama-50 kweli lizwe othumela kulo. Ukuba uthumela i-$ 100, ummkeli ufumana ama-5,000 pesos (ayinaki nayiphi na imali). Kodwa ukuba umniki-mali wakho ohambisa imali usasaza i-peso enye, okwenza idola lifumane i-49 pesos kuphela, ummkeli ufumana i-4,900 pesos kuphela.
Yiyiphi Impumelelo? Abanye ababoneleli ngenkonzo basebenzise zombini iifom zokukuhlawula, ngelixa abanye basebenzisa enye kuphela. Ngokuxhomekeke kwindlela othumela ngayo, kunokuba kunengqiqo ukukhetha umboneleli osebenzisa enye indlela okanye enye. Ngokomzekelo, ukusabalala akukhathazeki kakhulu ngokudluliselwa okuncinci-nangona ezinye iirhafu ziphantsi. Kodwa ukuba uyathumela iifizi ezibalulekileyo, ukusasazeka kubalulekile, kwaye kunokufanelekile ukuhlawula umrhumo ophezulu weplati ukwenzela ukuba uhlalutyo olungcono.
E-US "umniki-mpahla wokuhambisa umrhumo" kufuneka ukuba unikezele ngokubhengezwa ngokupheleleyo kweemali kwaye uchaze ngqo ukuba ummkeli uya kufumana kangakanani. Nangona kunjalo, ezinye iinkonzo zokudlulisa imali aziwa phantsi kwezo mithetho, ngoko awuyi kuhlala ufumanisa.
Iimali ezifumana umvuzo : Ukongeza kwiimirhumo ozihlawulayo, ummkeli unokufuneka akhokhe imali ebango. Ibhanki efumanayo ingahlawulisa iirhafu, kunye noorhulumente bamanye amazwe bangahlawulisa irhafu yokudluliselwa okungenayo. Xa uthumela imali, umnini-nkonzo wakho akayi kuba nolwazi malunga nazo zonke iindleko, kodwa kufuneka banikele nayiphi na ingcaciso.
Ukuba kukho Ingxaki
Ababoneleli beemali zokuthunyelwa kweentlawulo ezilawulwa yiFedalally banikezela ngokukhuselwa kwabathengi ngokucacileyo kwaye kuyona ndlela ingcono xa unenkxalabo malunga nokukhuselwa. Ukongeza kwiimfuneko zokubhengezwa, kufuneka zixazulule iingxaki.
Ukuba kukho into engahambi kakuhle, unokufumana ilungelo lokubuyisela imali. Unemihla engama-180 ukukhalaza kumboneleli olawulwa yi-federal, kwaye unentsuku ezingama-90 ukuphanda iingxaki emva kokukhononda. Abanye abanikezeli ngemali (abangalawulwa ngokusemthethweni) nabo kufuneka basombulule imiba, kodwa abawa phantsi kwemithetho efanayo. Sekunjalo, mhlawumbi unamalungelo phantsi komthetho karhulumente, kunye nemibutho eyacwangcisa inkokhelo inokubonelela ngokukhuseleko olongezelelweyo.