10 malamulo ntchito ngongole, muyenera kudziwa

makhadi angathe kukhala dalitso lalikulu ngati muli ndi vuto mu dongosolo la zachuma. Iwo akhoza kukupatsani pang'ono kupuma danga, ngati mukufuna kuphimba mtengo wa lendi, chakudya ndi zofunikira. Koma makhadi mwamsanga kusiya ndi kukuthandizani kukhala mutu waukulu ngati simugwiritsa ntchito mwanzeru.

M'munsimu mudzapeza malamulo ntchito makhadi. Ngati mutsata iwo, mudzapindula ubwino onse amene amapereka banki, ndi kuthana ndi mavuto amene angakhalepo.

1. Kodi si lowani ngongole iliyonse umene opambana banki

Ngati inu kale ndi ngongole kapena ngongole zina, ndiye pali Mwina mkulu kuti adzakhala kutumiza umafuna latsopano imelo. Koma zimenezi sizikutanthauza kuti muyenera akalembetse m'kaundula aliyense wa bwana.

Choyamba, tiyeni tione ngati mukufuna kwenikweni ngongole ina. Ngati yankho ndi inde, ndiye amathera osachepera theka la ola kuphunzira alionse ndi kusankha munthu kuti adzakupatsani phindu kwambiri. Nkofunika kukumbukira mfundo nkhani monga malipiro apachaka, chiwongola dzanja yoyambirira, malipiro mochedwa, malire ngongole, ndi mavuto ena aliwonse kumsasa maphunziro a mapu.

Kumbukirani, analembetsa kuti makadi ambiri ngongole, inu osati poponya kuonjezera ngongole m'munsi, koma mwina kungasokoneze nkhani yanu sonyezani.

2. Yesetsani ngongole pa khadi lanu la ngongole pa 0% monga mmene mungathere

Ngati inu ntchito pangongole, muyenera kudziwa kuti banki ako masiku angapo amene mulibe kulipira chidwi. Ngati inu kuzimitsa ngongole yonse nthawi imeneyi, mulibe kulipira chidwi ntchito malire ngongole, ndipo nthawi yomweyo athe kupeza ndalama zawo pakapita masiku angapo.

Komabe, ichi chikhonza kuchitika pokhapokha ngati inu kwathunthu kulipira ngongole yanu. Musalole malipiro overdue kwa mwezi umodzi basi ndipo mudzaona mmene kudya adzayamba accrue kubweza ngongole chidwi.

3. Pewani ndalama zochepa

Imodzi mwa zolakwa koipa chopatsa nkhani ngongole, wanyamula yekha osachepera malipiro apamwezi. Ngati inu anakhala $ 2000 ndi pansi pa mawu a mgwirizano kulipira 2% ya ndalama ntchito, ndiye malipiro osachepera Pankhaniyi adzakhala wofanana $ 40. Popeza chidwi pachaka ndi mwezi, gombe adzakhala mupewe akaunti yanu wina kuchuluka kwa malire ngongole. Izi zikutanthauza kuti chiwerengero kuti kupanga mwezi uliwonse kwambiri yafupika. Ngati tipita ku chitsanzo chathu, choonadi cha nkhani wako okha $ 8, m'malo 40. Ngati timatsatira zikuchikazi, koma zaka pafupi makumi atatu, muyenera kulipira anthu $ 2000 kuti anatenga pachiyambi, koma ngati imeneyi overpayment choncho adzakhala pafupifupi $ 7,000.

Ozunguza sichoncho? N'chifukwa chake m'pofunika kwambiri kukonza ndandanda anu ndipo musamawapsere kuchoka kwa icho pamene mupanga malipiro pa ngongole ya.

4. Tisalole arrears

Mmodzi wa malamulo waukulu ntchito anzeru a makhadi - ndi nthawi kuti malipiro. Anthu ambiri amakhulupirira kuti azichita izo, ambiri kuiwaliratu za izo.

Overdue malipiro anu kwa masiku angapo Mwina akuoneka ngati nkhaniyo kwa inu, koma ngongole kampani mlandu chilango mofulumira kwambiri ngati kulakwitsa, ndipo ngakhale mlingo chidwi, makamaka ngati si nthawi yoyamba.

Ngati muli ndi makhadi ambiri ngongole, ndipo zimawavuta kukumbukira tsiku lomaliza la malipiro aliyense wa iwo, n'zomveka kuti anaika chikumbutso pa foni yanu, kuti ndikhale wotsimikiza kwathunthu kuti muganizire za iwo.

5. Onetsetsani mawu anu

Olakwika wotuluka - si chotero yatsoka kawirikawiri kwa ngongole. Nthawi zina munthu ndi kugula chimodzimodzi analipira awiri khadi yanu, koma simudzadziwa za izo, ngati iwo Pamatha.

Komanso, ngati inu ntchito khadi anu kumatchula ndalama, makamaka akutsatiridwa ndi thandizo la internet, mungathe mwamsanga kuiwala kuti mwezi uliwonse pa milandu ngongole anu umene.

Afufuze ndalama mwezi uliwonse pa khadi lanu la ngongole, inu mukhoza osati kungokwanitsa kutsindikiza, komanso mwamsanga kuti ankalakwitsa ndi malipiro yakuti mwina kuwonjezera.

6. Nthawi yomweyo kudziwitsa banki ngati khadi atayika kapena malipiro olakwika anapangidwa

Ngati inu munayamba kutaya khadi lanu la ngongole kapena mutalandira uthenga umene unachitikira ena osadziwika iwe ulowa, inu mukudziwa kuti muyenera yomweyo kuyitana ngongole kampani ndi kuti asalalikire nkhaniyi.

Pamene khadi lanu la ngongole kugwa m'manja cholakwika, anu movutikira ngongole angagwiritsidwe ntchito kwa mphindi chabe. Ngakhale kuti mosakayikira athe kutsimikizira kuti khadi fraudsters wanu agwiritsa ntchito, adzakhala yaitali ndi zovuta ndondomeko, zomwe mungathe kupewa.

7. Never kutapa ndalama ndi khadi lanu la ngongole

Ngakhale khadi lanu la ngongole alibe anthu ambiri mudzakhala anadabwa mudzapeza chimene banki yanu anapatsa amalipiritsa kuti waleka ndalama. Choyamba, kenako inu kulipira pa 2 mpaka 4% ya ndalama zimene anachoka. Kachiwiri, komanso kuchotsedwa chobwezera mwamsanga, amene ali pafupifupi 5% kuchuluka kwa ndalama. Ngati akuchedwa muyenera kulipira chiwongola dzanja kuti ndi apamwamba kuposa pamene inu kulipira kugula mwachindunji ndi ngongole. Komanso, inu simukhala chidwi wopanda chisomo nthawi.

8. Kodi ntchito khadi yekha kuti apeze mfundo

Free mtunda mu ndege, ndi yobwereka galimoto kapena malipiro alionse masitolo ambiri - zonse izi zikhoza kumveka namuyesa ndithu ndi iwe kuti kulipira ndi ngongole. Kodi mukuganiza kuti ndi njira yabwino ndalama kubanki kulipira inu, sichoncho? Koma inu mukulakwa!

Popeza kuti phindu nthawi zonse ali pa mbali ya kampani ngongole. Iwo amadziwa kuti iwe uyenera kutaya ndalama ndithu ndalama kuti apeze mfundo olonjezedwa, amene akhoza kugwiritsidwa ntchito mu malo a ndalama. Iwo amadziwanso kuti inu ndikudabwa ngati inu ntchito kulipira ngongole pamaso pa nthawi chidwi-free adzamasulidwa.

Pamene banki afika mwayi accrue chidwi, nthawi yomweyo limachita, ndi zopelekazi adzakhala kwambiri lalikulu kuposa anthu kuti inu monga mphoto analonjeza. Motero m'malo phindu kuyembekezera udzapeza zina ndalama ndalama.

9. kukambirana ndi kukambirana ndi kampani ngongole yanu

Mwakhala kasitomala wabwino wa banki wako zaka zambiri? Kodi ngongole zanu zonse mudzalipidwa? Ngati inde, ndiye muyenera mphoto mothandizidwa ndi mitengo m'munsi chidwi. Chonse chimene inu muyenera kuchita ndi kuipempha. Itanani hotline utumiki wa banki ako, nuwauze bwana za chilakolako chake.

Mukakhala kulumikiza, funsani kusintha mlingo wanu chidwi pa ngongole ponena kuti ndi wochimwa, chifukwa ndinu kasitomala wangwiro. Mudzakhala amadabwa kuti mfundo zimenezi nthawi zambiri mokomera kasitomala, koma banki sakonda zotero kufuna kwawo.

10. Chonde nditumizireni banki yanu pasadakhale ngati muli mavuto pa malipiro

Ngati muli ndi vuto la ndalama, ndi inu, ndi bwino kuitana sanadziwe ngati angathe kupereka ngongole pa mapu mu miyezi ingapo ku gombe ndipo aloleni iwo adziwe za mavuto vozniknuvshey.

Ambiri mwina, mudzakhala adabweretsa dongosolo alipire. Komanso, afikitse mzere kwambiri kusintha kulipira, inunso kuchepetsa mwayi wa kukhala zoipa ngongole mbiri ya mapu anu, amene ayenera kuchitika ngati inu muphonye malipiro kapena kumwalira.