Nciphisa - oko kukuthi nendlela yokubala

Nciphisa - ntoni na? Kwaye kaninzi kangakanani ojamelana nazo nale mbono? Xa loncwadi ngokwaso eli gama linye nolwabiwo - mda. Igama elithi ithandwa kumacandelo zemali, yenzululwazi kunye nokungcakaza. Namhlanje, Noko ke, amaxesha amaninzi eli gama lisetyenziswa kwiibhanki. Nto leyo ebonisa umda kwaye Osiqiniselayo kuxoxwa ngezantsi.

Umda bank

Njengoko sele kukhankanyiwe, kuzo zonke iinkalo elithi 'umda' enye ingcaciso - mda. Kuba zebhanki, igama elisetyenziswa xa kokubeka nayiphi na imiqathango kwemicimbi imali. Ngamanye amaxesha akunakwenzeka ukuba ukususa isixa esithile semali ikhokelela nobunzima obukhulu, ukonakala kweendlela igama lomlambo lowo. ngamnye otyalwayo unelungelo ubeke imida zabo etsalwe elingagqithiyo imimiselo yomthetho.

Nciphisa - ngenxa yoko ibhanki ze uwufake? Impendulo yalo mbuzo phezu komhlaba. Ukuseka imida zokususa mali ezithile esetyenziselwa lithetha ngokhuseleko nokuthintela ubuqhophololo. Ngenxa yoko, namhlanje kukho imiqathango kwi-ofisi kwamatikiti,-ATM, credit card kwi-akhawunti.

Isixa Nhoza olulingana nesixamali mali ukuba umxhamli uyakwazi ukubuyela. Emsebenzini kunye akhawunti ye komda mali isetyenziselwa ukubonelela imisebenzi non-cash.

Umda credit

Ngokufuthi, isigama bhanki uyakwazi ukuva izinto ezingaqhelekanga. Nciphisa - oko kukuthi nendlela oko kuchaphazela ukususwa ngetyala uMthengi kuza kunyanzeleka ukuba bacacise ukuba ikhadi lebhanki letyala. Loo isithintelo akumiselweyo intlawulo isekelwe kwingeniso mboleki ingakhutshwa kuye.

Umda ikhredithi ibekwe qho ngamnye kwaye kuxhomekeke kwizinto ezininzi. Ezi zinto zibandakanya: ingeniso yomboleki, ubude kwekhontrakthi, umgaqo-mboleko kunye nezinye izinto. Emva kwexesha elithile, ibhanki, aya kuwusondeza ukwandisa inani eliphezulu ukuze zisetyenziswe. Kulo mzekelo, ukubala umda lwenzeka ngenxa yendlela yaye oko kuthetha ukuba umboleki ukuba uhlawule ityala.

Limit yakho emephini

Nciphisa - oko kukuthi nendlela oko kuboniswa kwimephu, kuyimfuneko ukuba siyiqonde ngakumbi. Kukho iintlobo ezininzi izithintelo ezilolo hlobo:

• Uthintelo beleni kuthetha kwi ATM.

• Umda imihla etsalwe imali.

• Ukungavunyelwa kwi operation Internet le.

• Zinciphise kuqhube kuthetha kwi imali.

Ngoko ke, umise umda kwi isibonelelo ukubalwa kwemali evela kwingxelo a umda ikhadi. Ezi mfuno zinxulumene ngokomyalelo Central Bank. Ngoko ke, ukuza kuthi ga ngoku, inani eliphezulu etsalwe imali kwi-ATM ze cards series Visa Electron kunye MasterCard yi 100-150 amawaka engange, ngokuba amakhadi umgangatho - amawaka 300 engange, zoluhlu amakhadi "Gold" - 500 amawaka engange.

Imibundu leyo yeminyango kwelona qondo ebekwe yi-Central Bank, kodwa ibhanki unelungelo ubeke imida zabo, ukuba abathanga ngaphezulu imigangatho zomthetho. Umzekelo, imali ukunciphisa iziko apho umxhamli iinkonzo, kusenokubakho kuba mnye, ibe ATM wesithathu-party - ngaphantsi kakhulu.

Ukuze ukurhoxisa isixa esingaphezulu umxhasi umda ebekwe kufuneka uqhagamshelane yebhanki kumgca eshushu okanye ngqo kwi-ofisi. Abasebenzi yebhanki ngokokubona kwayo inokugqiba ngokuthanda umthengi, kunye vice versa.