Ikhefu elikhawulezayo kodwa elincinci
Ukuthumela imali ngeCredit Credit
Ixesha lokudluliselwa kwefayili lisetyenziswe ngeendlela ezahlukeneyo.
Ukudluliswa kwefowuni yebhanki: ukutshintshela i- wire ngokuqhelekileyo kudlula kwiibhanki
Le mihla yokudluliselwa kwi-akhawunti enye kuya kwelinye, kwaye iyakuthandwa ukuthengiselana njengento yokuthenga ekhaya. Ukuzalisa i-wire, kuyakufuneka unikezele ngolwazi lwebhanki lomninimzi , kwaye ungadinga ukuhambisa ifom yephepha (nangona izicelo ezincinane zokudlulisa zifumaneke kwi-intanethi).
Ukutshintshwa kwemali: oku kunokuthetha izinto ezininzi, kodwa ingcamango eyisiseko kukuba uthumele imali ngekhompyutha, nokuba ingaba "yindlela yokutshintshela i-wire" okanye ayikho. Iimali zinokufumana ukuba zifumaneke kummkeli ngosuku olufanayo-kungaphantsi kwemizuzu embalwa. I-Western Union , i-MoneyGram kunye nabanye banika lolu hlobo lwenkonzo, kwaye unako ukumisela ukuthumela i-intanethi okanye phezu kwefowuni (ummkeli angabonwa ngedilesi ye-imeyile, inombolo yefowuni, okanye igama). Ngamanye amaxesha oku kutshintshwa kuthatha iintsuku ezimbini ukuya kwethathu zoshishino, njengoko zihamba kwi-network ye-ACH .
Ukunyuka kweMali
Kungakhathaliseki ukuba yiyiphi indlela oyisebenzisayo, uya kufuna imali engaphambili xa uceba ukuxhaswa ukutshintshwa kunye nekhadi lakho lesikweletu.
Ukuhamba kwangaphambili kunika imali "ekhululekile necacileyo" ekhoyo yokuthumela ngokukhawuleza.
Imirhumo: Intuthuko yemali iza neentlawulo. Ikhampani yekhadi lakho lekhredithi lihlala lihlawula ipesenti yemali yokuthengiselana (kunye nobuncinci be-$ 10 okanye ngaphezulu), kwaye uya kuhlawula imali eyongezelelweyo yokudluliselwa kwangempela. Imali iphakamisa ngokufanelekileyo intlawulo yento enokuyihlawula ngayo, ngoko thabatha iindleko ezipheleleyo xa wenza izigqibo.
Intlawulo yenzalo: ukunyuka kwemali kwikhadi lakho lekhredithi libiza. Inzala yemali ehlawulwe kwimpumelelo ibhelele kakhulu kunomyinge wesantya kwimilinganiselo evela ekuthengeni (lindele inani elingenani lama-25 ekhulwini). Ngaphezu koko, akukho xesha lobabalo malunga nenkqubela yemali, ngoko uya kuhlawula iindleko zenzalo nokuba uhlawula ikhadi lakho ngaphambi kokuphela komjikelo wakho wesitatimende.
Ikhredithi yakho: xa uboleka kwikhadi lakho lekhredithi, usengozini yokulimaza yakho ityala -ubuncinane okwethutyana. Intuthuko enkulu yemali ingasebenzisa ininzi yesilinganiso sakho seentengo zemali-mboleko, ukubonakalisa ukuba unokuba nengxaki yezemali . Ukuba uceba ukwenza ukuthenga okukhulu kwixesha elizayo elizayo (ikhaya okanye isithuthi, umzekelo), amanqaku amancinci aphantsi aya kwenza kube nzima ukuboleka. Gwema ukukhupha ikhadi lakho lekredithi kwaye uhlawule ityala ngokukhawuleza.
Indlela yokufumana imali engaphambili: ukuba uceba ukwenza ucingo usebenzisa i-bhanki, kufuneka ufumane imali kwi-akhawunti yakho yasebhanki. Unokwenza oku ngokutyelela umtshilo kwisebe lakho lebhanki kwaye ucele ukuhamba kwangaphambili kwemali (ukuhambisa imali kwi-akhawunti yakho yokutshekisha), okanye unokukhipha imali kwiATM kwaye ubeke imali kwi-akhawunti yakho. Ukuba usebenzisa isevisi yokudlulisela imali, ukuhamba kwangaphambili kwemali kwenzeka ngokuzenzekelayo njengoko uhamba ngamanyathelo okugqiba ukudluliselwa.
Khumbula, ukuba usebenzisa ikhadi lekhredithi ukuxhasa imali yokutshintshwa kwefowuni, uboleka imali ukuze wenze utshintsho. Ngenxa yoko, uya kuhlawula umyinge omkhulu wemali kwimali oyibolekayo, kwaye iifowuni ziya kudibaniswa kwibhalansi yakho yemali-mboleko - ukwandisa inani lemali oyibhatalayo. Kodwa kukho ezinye iindlela.
Izingozi zoTshintsho lweeFayili
Ngokungafani nokuthengwa kwikhadi lakho, ukunyuka kwemali akunakuguqulwa , okunciphisa umngcipheko webhanki yakho okanye inkonzo yokudlulisela imali. Bazimisele kuphela ukwenza utshintsho olungenakuguquka ukuba banayo imali okanye ngaphantsi. Ummkeli uya kuba nako ukuthabatha imali ngokukhawuleza (ngokukhethiweyo, okanye ngokuhambisa imali kwenye indawo), kwaye akukho ndlela yokubuyisela imali.
Yithumela imali kuphela ukuba uyazi apho iya khona, kwaye ukuba uthemba ummkeli. Izicalulo ezininzi zenza ukutshintshwa kwecingo (okanye iinkonzo zokudlulisela imali), kwaye abaculi baxhamla ukungaqondani malunga nendlela ezi ntlawulo zisebenza ngayo.
Uninzi lwabantu bacinga ukuba ibhanki okanye iWest Union inokukunceda ukuba kukho ingxaki, kodwa imali ihamba ngokufanelekileyo .
Eminye indlela eya kwiWiring kwiKhadi lakho leKhadi
Ngenxa yemingcipheko kunye neendleko, kunokukho iindlela ezingcono zokuthumela imali. Ngokuxhomekeke kwimeko kunye nokuba awuyi kuboleka imali , ezinye zezikhetho ezingezantsi zinokuba zifanelekileyo.
Ifowuni kwi-akhawunti yakho yasebhanki: ukuba awudingi ukuboleka kwaye unethemba malunga nommkeli (uyazi ukuba akuyiyo inkohlakalo), thumela imali kuphela kwi-akhawunti yakho yokujonga. Kukho iindlela ezininzi zokwenza oku, kubandakanywa ukusebenzisa ukutshintshwa kwefowuni .
Bhatala ngekhadi lokudityaniswa: iisayithi ze-intanethi zivame ukucela inombolo "yekhadi lesikweletu", kodwa ungasebenzisa ikhadi lokukhangela kwiimeko ezininzi . Amakhadi e-Debit athabatha imali kwi-akhawunti yakho yokujonga endaweni yokudala imali mboleko, ngoko uya kuphepha ukukhawuleza kwemali kunye nentlawulo yemali. Qiniseka ukuba uyazi ukuba ubani onika inombolo yekhadi lakho.
Umyalelo weMali okanye i-cheksi yokukhangela: kukho iindlela ezininzi zokuthumela imali "eqinisekisiwe". Ukongeza kokutshintshwa kwesebe, ukuhlolwa kwee-cashier kuthathwa njengokhuseleko olukhuselekileyo (ixesha elide nje ukuba isheke ayilona inkohliso). Ukuqinisekiswa kwebhanki ekuqinisekiseni i-cashier's checks, ngoko abanako ukuhlawula. Iimali zemali nazo zikhethwa kwezinye iimeko.
Iintlawulo zentlawulo: ukuba uyayazi umntu othumela imali kuyo (umhlobo okanye ilungu lentsapho, umzekelo), zama inkonzo yentlawulo yamahhala okanye engabizi. Ikhefu yeCatro ishukumisela imali kwiakhawunti yakho yokujonga ngokukhawuleza kwiakhawunti yokukhangela - usebenzisa amakhadi akho okukhangela - mahhala. I-PayPal ifumaneka kwiintlawulo zamazwe ngamazwe, kwaye kukho ezinye iindlela ezininzi ezinokuhlangabezana neemfuno zakho .
Ukuba ufuna ukuboleka imali: ikhadi lakho lekhredithi ayilona ndlela kuphela yokuboleka. Ukucinga ukuba ufuna ukuboleka, buza ibhanki yakho malunga nomboleko wakho (okanye nayiphi na enye into enokufumaneka) yokubetha imali. Ababolekisi be-intanethi kunye neentanga-mboleko zontanga nazo zikhethiweyo ezingenabutyebi - ngakumbi ukuba unemihla embalwa ukusebenzisana nayo. Amakhadi okwereta mhlawumbi iyona ndlela yokukhawuleza, kodwa uya kuhlawula i-premium yeso santya.
Ukuvavanya ukuvavanya: ukufumana ukuhamba kwangaphambili kwemali kwi-teller okanye i-ATM iyabiza. Unokwazi ukuhlawula ngaphantsi xa ugcina iso lakho linikezela ngeemfuno ezizodwa kwiinkampani zakho zekhadi lesikweletu. Ngokuhlolwa okulula okanye ukunikezelwa kwemali, unike amandla okubhala isheke kuwe kwaye usebenzise imali nangayiphi indlela oyithandayo. Nangona usenakho ukuhlawula iirhafu, kukho ithuba elihle lokuba iifizi ziza kuba ziphantsi, kwaye njengobhonasi, unokufumana inzala engaphantsi (ngexesha elincinci).
Inkokhelo yokubhalwa kwekhadi yesikweletu: enye inketho kukukhawuleza ngokukhawuleza ngekhadi lesikweletu (kuthathwa amakhadi amkelwe). Amakhadi asematyala angasetyenziswa kumazwe ngamazwe, kwaye uya kufumana inzuzo yokukhusela abathengi xa usebenzisa ikhadi lakho ukuthenga ngokuthe ngqo. I-PayPal yinto efanayo, kwaye ikhululekile ukuthenga nge-PayPal. Ukuthenga okunye, i-PayPal iya kukuboleka imali (nge-PayPal Credit).
Ukuba akukho nanye kwinqunto engentla iyakwenza, kungenokuba kuyimfuneko ukusebenzisa ikhadi lakho lekhredithi kunye nemali yocingo-kodwa kuphela kwiimeko ezikhawulezayo.
Londoloza endaweni yokuchitha
Ukuboleka ngemali kumakhadi-mboleko akuzinzileyo. Ekugqibeleni, iirhafu eziphezulu kunye nemali enokuthi iyakudonsa ube ngetyala le-spiral - uza kuchitha ngaphezulu ekugcinweni kwetyala inyanga zonke kunokuba ubeke ityala ngokwalo.
Ukuze ugweme ukuboleka imali, uhlahlo lwabiwo-mali kwiindleko ezifunekayo kunye nokwakha ingxowa-mali yengxamisekileyo. Ngokufanelekileyo, uya kuba neenjongo zokwenzela iindleko zokuhlala (okanye ngaphezulu, ukuba ukhetha ukugcina izinto). Iimali eziphuculweyo kufuneka zigcinwe kwindawo ekhuselekileyo kwaye ifumaneka, njenge- savings okanye i-akhawunti yemarike yemali . Gwema ukuhlaselwa kweengxowa-mali, kwaye xa kukho ixhala-njengaleyo ojongene nayo namhlanje-awuyi kufuneka ukuhlawula iindleko eziphezulu.
Ngamanye amaxesha ukuboleka kungenakupheka. Ukuba uthanda ukuba necebo lokulondoloza, unokuzuza ngokugcina umgca wekhredithi evulekile . Umgca wekhredithi ngumthombo wemali ekhoyo ukuboleka - kodwa awuyi kuboleka ude ufune. Umgca wekhredithi kufuneka ube yixabiso elingabonakaliyo ukugcina ekubeni uza kuhlawula umdla xa uboleka imali (ukuba ngaba).