Kodi kudziwa banki bwino kutenga ngongole

Mlembi wa nkhani imeneyi imagwira ntchito limodzi za mabanki akuluakulu ku Ulaya, amene ali ambiri Russia. Bwino limatchula za ntchito ndalama, ngongole imeneyo ndi makhadi. M'nkhani ino, kuti koitanira makampani yeniyeni Komabe, mudzapeza zothandiza kuti mudziwe zimene banki bwino kutenga ngongole.

ngongole ndi chiyani? sadzakhala ntchito kwa madikishonale ndi milozo pa antchito a banki kwa tanthauzo bwino. Tingaonenso yekha kuti ngongole - msonkhano ndalama zomwe mumalipira. Inu kulipira wometa, chifukwa amakupangani inu kukhala tsitsi. Kulipira bungwe kuyenda kwa akufuna chilolezo ndi chitupa cha visa chikapezeka processing. Ndipo inu kulipira banki chifukwa chakuti akupereka ndalama tsopano. Kumene, inu mukhoza kupulumutsa ndalama nokha. Inu mukhoza kudikira miyezi sikisi, chaka kapena zaka zingapo. Komabe, si nthawi zonse wolungama: Nthawi zina ndi bwino overpay, koma chinthu analakalaka posachedwapa. Mwachitsanzo, muli ndi TV wosweka. Mukhoza kusunga mu miyezi sikisi kuti TV latsopano, koma ndi bwino amatenga ngongole kubanki ndi kuthera miyezi isanu otsiriza ndi chitonthozo kutero. Ndipo madera ena a moyo - mankhwala, maphunziro, zochitika zofunika za moyo wanu - mwachangu. Ndiyeno inu muli ndi khutu ku ntchito ndalama msika ndi kusankha banki bwino thamo.

Free tchizi okha mousetrap a. Aliyense banki ayenera kupeza ndalama ngongole. Gwirizanani, palibe banki kuti kulibe ngati sanalandire chidwi yokulirapo kwa makasitomala awo. Komabe, si mabizinezi zonsezi ntchito ndithu poyera. Nthawi zina, mungapeze ndalama zosayembekezereka.

Kodi mukudziwa chimene banki bwino kutenga ngongole?

Choyamba, chonde lalikulu yekha mabanki lonse ndi maziko olimba makasitomala. Pa odziwika Internet makonde mukhoza kupeza bwino mlingo a mabanki, kudziwa momwe makasitomala ambiri, momwe iwo akugwira ntchito pa msika. Kudalirika kwa mabungwe yaikulu ndi serviced makasitomala 20 miliyoni. Ngati kampani anaonekera pa msika ndi posachedwapa - inu kuthamanga chiopsezo, izo chokongoletsedwa ku ngongoleyo. Komabe, kusiyana pakati pa magombe awiri chachikulu ndi maziko kasitomala makasitomala 20 miliyoni ndi 30 pafupifupi apo, kuyang'ana pa mitengo panopa, osati m'mphepete yokha. Tariffs ali zikusintha mu mabungwe, choncho kampani amapereka ndalama zochepa mu chaka chathachi, kungakhale mtengo ndithu, kupatsidwa zinthu za chaka panopa.

Kachiwiri, kupeza ngati banki amatenga ndalama kwa utumiki kupitirira chidwi pa ngongole ya. Panopa, ali osowa kwambiri, koma m'pofunika kuti anthu amvetse mfundo imeneyi. Ena mabanki ndi kuchotsedwa makasitomala awo ndalama khadi limene linali m'gulu ngongole. Popeza mukhoza amafuna ndalama zina za inshuwalansi kwa utumiki SMS-zidziwitso ndi zina zambiri. Kuchotsa nokha zodabwitsa, kufunsa katswiri, kukonza ngongole zimene enieni kuchuluka inu kulipira, kutenga nkhani ndalama zonse zina. kudziwika banki wantchito sadzatha kubisala choonadi kwa inu.

Chachitatu, kuphunzira ngati mtengo wanu wa kuthekera alipire oyambirira. Kulipira ngongole oyambirira, mudzakhala kwambiri kuchepetsa overpayment, kupulumutsa pa kuchuluka owonjezera. Nthawi zonse yesetsani kupereka ngongole patsogolo ndandanda - m'madera kapena kwathunthu. Iyi ndi ntchito yopindulitsa kwambiri kwa inu. Komabe, pamaso panu kusamutsa akaunti yanu ndalama zambiri, itanani ndalama kubanki. Mwina mungayambe choyamba kulemba fomu yoti akatembenuka peresenti.

Chachinayi, iwe usanati ngongole kubanki, funsani kuwerengera overpayment wanu. chiwongola dzanja pachaka susonyeza ndi overpayment. The overpayment leni kuchita masamu ndi zovuta peresenti. Mlingo wa 70% pa annum zingawachititse kukhala ndi overpayment wa 20-50%, malingana ndi kuchuluka ndi mawu a ngongole ya. Kuyamba ntchito ndalama, osati mofulumira ananena kuti: "Ine ndikufuna kutenga ngongole kubanki," kufunsa zambiri za mitengo panopa, malipiro mwezi ndi zikalata zofunikira. mabanki ambiri akhoza kutenga ngongole kwa zida zikuluzikulu ziwiri, koma ndi mlingo pazipita chidwi. Kudziŵa banki bwino kutenga ngongole, onetsetsani kuti afanane ndi satifiketi 2NDFL ndi mbiri yabwino buku la mbiri ntchito - zikuthandizani inu kudula mtengo. Samalani ndi n'kusankha kubanki, ndiye mudzatha kudziteteza ku mitundu yonse ya vuto.