Kodi malipiro ang'onoang'ono a khadi la ngongole ndi chiyani ndipo amawerengedwa bwanji?

Njira imodzi yabwino kwambiri yobwezera lero ndi makadi apulasitiki. Chodziwika kwambiri pakati pa zinthu zonse zoperekedwa ndi mabanki ndi makadi a ngongole. Izi ndizosangalatsa kwambiri - zonse zogula zingapangidwe popanda kulingalira za kupezeka kwa ndalama mu chikwama chako. Banki imapereka magawo angapo kwa masiku makumi angapo. Izi zimathandiza kugwiritsa ntchito kwambiri ndalama zonse zomwe zilipo.

Ngati mukufuna kulipira "pulasitiki" osati yokhazikika, komanso yopindulitsa, muyenera kumvetsetsa momwe ntchitoyo ikuyendera. Choyamba, nkofunikira kumvetsetsa njira yopangira malipiro osachepera ndi khadi la ngongole.

Kodi chopereka chochepa chimatanthauza chiyani?

Mwini mwiniwake wa ngongole "pulasitiki" ali ndi maudindo ena ku bungwe la zachuma. Mwezi uliwonse ndalama zina ziyenera kuikidwa mu akaunti ya "ngongole" kuti athe kulipira ngongole yaing'ono. Malipiro amayenera kupangidwa pa nthawi. Izi zimatsimikizira kusungidwa kwa khadi ndipo zimamupatsa mwayi wogwiritsa ntchito chida ichi mtsogolomu.

Kubwezera kwapadera kwa ndalamazo kumatchedwa kulipira kwachepera ndi khadi la ngongole. Bungwe lirilonse la zachuma limapanga chidwi chake ndipo limapanga zokwanira. Ndizofunika kwambiri kuziwona, chifukwa ngati mwaphonya nthawi yeniyeni yoika ndalama, bankiyo ili ndi ufulu wopereka malipiro kapena kulandira chilango.

Chomwe chimatsimikizira kuchuluka kwa malipiro

Malo omwe bungwe la ngongole limalumikizana ndi wobwereka pa gawo loyambirira la chiyanjano - izi ndizolembedwa mu mgwirizano. Kawirikawiri, malipiro ochepa pa khadi la ngongole amawoneka ngati ochepa peresenti ya ndalama zomwe munthu amakhalapo kale. Kawirikawiri izi ndi 5-10%, koma zikhoza kukhala zosiyana kwambiri. Banki ikhoza kupereka malipiro oyenera. Muyenera kuzipanga mwezi uliwonse, mosasamala kanthu kuti zakhala zogwiritsidwa ntchito bwanji. Izi sizowoneka bwino, choncho ndondomeko iyi ya ndalama zimagwiritsidwa ntchito mosavuta.

Malipiro ochepa omwe ali ndi khadi la ngongole sali yunifolomu ndipo ili ndi ndalama zingapo:

• Chidwi chiwerengedwa pa kuchuluka kwa ngongole yeniyeni yothetsera nthawi;
• Chimodzi mwa ngongole yomwe kale ikugwiritsidwa ntchito ndi wobwereka, potsatira ndalama;
• Komiti ndi malipiro operekedwa ndi mgwirizano;
• Chilango, kutaya kapena chilango, chokwanira ndi banki pamene wobwereka sakwanitsa kukwaniritsa mgwirizano.

"VTB-24"

Bungwe lirilonse la zachuma limapereka zifukwa zake powerengera malipiro ochepa pa khadi la ngongole. "VTB", mwachitsanzo, ikuphatikizapo ndalama izi:

• 3% ya ngongole yomwe imapezeka tsiku lomaliza la mweziwu;
• Chotsatira cha chidwi cha nthawi yamalipiro yapitayi molingana ndi msonkho wa khadi.

Ndalama zoyenera ziyenera kulipidwa asanafike 18:00 pa tsiku la 20 la mwezi wotsatira mwezi wotsatira. Ngati wothandizira akufuna kusunga pang'ono pa chiwongoladzanja, ndi bwino kugwiritsa ntchito nthawi yachisomo ya masiku 50. Ngati mubwereranso ndalama ku khadi nthawiyi, chidwi sichingapezeke.

Ngati mwaiwala kulipira ngongoleyi pa nthawiyi, koma muli ndi khadi la debit la bankiyi, bungwe la zachuma lidzachotsa ndalama kuchokera kumeneko. Zikakhala kuti izi sizingatheke, banki idzakakamizika kulipira chilango.

Masiku asanu ndi atatu asanafike "ola X", banki imatumiza chikumbutso kwa makasitomala awo za kuchuluka kwa ngongole, ndalama zocheperako ndi kufunikira koyamba kwa nthawi yake.

Tinkoff

Ngati mukufuna kupeza malipiro monga "pulasitiki", konzekerani kulipira pang'ono. Malipiro osachepera ndi khadi la ngongole "Tinkoff" amawerengedwa payekha ndipo amatha kufika 8%. Malipiro sangakhale osachepera mazana asanu ndi limodzi a ruble. Izi zikutanthauza kuti ngakhale mutagwiritsa ntchito ndalama zochepa, mukuyenera kulipira.

Ndikofunika kwambiri kulipira pa khadi ili panthawi yake. Apo ayi, wolakwayo adzalangidwa.

• Kwa nthawi yoyamba bungwe la zachuma lidzakulangizani pa ruble 590;
• Kuphwanya kwachiwiri kumaphatikizapo mtengo wa ma ruble 590. + 1% ya ndalama zenizeni za ngongole;
• Amene adagwa pazifukwa zachitatu, adzagawana ndi ma ruble 590. + 2% ya ngongoleyi.

Ubongo wa Bank Savings

Malipiro osachepera pa khadi la ngongole la Sberbank amawerengedwa pa maziko a ngongole yomaliza ya ngongoleyo. Kaŵirikaŵiri osati, 5% ya ndalama zonse amawerengedwa. Chiwerengero ichi ndi ndalama za ngongole yaing'ono yomwe iyenera kulipidwa kwa khadi ndi tsiku linalake. Nthawi zina, mabanki amagwiritsira ntchito ndondomeko yaumwini ndikuyika gawo limodzi pa kasitomala.

Ngati pamapeto pa mawu omwe atchulidwa mu mgwirizano, ndalama za khadi la ngongole sizinafikire, banki ikuona kuti ntchitoyo siidakwaniritsidwe ndipo imapereka chilango kwa 37%.

Momwe mungapezere ndalama komanso ndondomeko yeniyeni

Ndipo momwe mungapezereko malipiro ochepa ndi khadi la ngongole? Pali njira zingapo:

• Choyamba, mukhoza kulankhulana ndi nthambi iliyonse ya banki yanu. Musaiwale kutenga pasipoti yanu, mwinamwake izo sizigwira ntchito.
• Ngati bungwe lanu la ngongole limapereka mpata wogwiritsa ntchito mabanki a intaneti kapena zopereka zamakono, zonsezi zingapezeke popanda kuchoka kwanu. Ingotembenuzirani kompyuta, pitani patsamba la nduna yanu pa webusaitiyi ndikupeza zambiri zofunika.
• Gwiritsani ntchito sms-kudziwitsa. Lero, mabanki ambiri amapereka mwayi umenewu. Kotero inu nthawizonse muzidziwa nthawi yeniyeni ndi kuchuluka kwa momwe inu mukufunira kupanga.
• Kuti mupeze komwe kulipira kwachinsinsi kwa khadi la ngongole kuli kofunika mwezi uno, mutha kuyitanira foni ya banki. Pambuyo pokambirana ndi wogwiritsira ntchitoyo ndikudzidziŵikitsa kuti ndinu mwini wa khadi, mungamufunse mafunso onse omwe amakukondani. Nthaŵi zina dongosolo limapereka mpata womasulira kukambilana ndi mauthenga amtunduwu ndikuyendayenda pamakono.
• Mabungwe ambiri azachuma amapereka mwayi wogwirizanitsa makalata pamwezi. Imelo yanu imalandira chidziwitso cholembedwa ndi ndondomeko ya milandu pa khadi ndi kuchuluka kwa malipiro ochepa.

Ngati palibe njira yomwe ikukuthandizani, kapena mukukayikira kuti zolondola ndi zolondola, mungathe kuziwerengera nokha.

Kuwerengetsa chidwi pa ngongole

Ngati muli ndi calculator ndi mgwirizano wa ngongole, mukhoza kuwerengera kuchuluka kwa malipiro ochepa. Choyamba, muyenera kudziwa chomwe chimapangidwa ndi:

• Chiwerengero chachikulu;
• Chidwi chogwiritsidwa ntchito pogwiritsa ntchito ndalama;
• Zabwino kapena zabwino, ngati zilipo.

Pali 2 njira zazikulu zomwe mungagwiritsire ntchito kuwerengera ndalama zochepa pa khadi la ngongole:

• Pa chiwerengero cha ngongole yomwe ilipo;
• Ndi ndalama zomwe zimagwiritsidwa ntchito ndi kasitomala.

Choyamba, tiyeni tione njira yoyamba. Njirayi imagwiritsidwa ntchito ndi mabanki ambiri, ndi otchuka kwambiri.

Mwachitsanzo:

• Pa khadi pali malire ochepa a ruble zikwi zana ndi mlingo wa 15% pachaka;
• Kwa mwezi wapitawo (masiku 30) wolembapo wagwiritsa ntchito ruble 23,000;
• Mgwirizanowu umapereka ndalama zosachepera 6% za ngongoleyi.

Chifukwa cha zonsezi, n'zosavuta kuwerengera ndalamazo:

• 23,000 ² 6% = 1 380 - kuchuluka kwa ngongole yaikulu;
• 23,000 х (20%: 365 30) = 378 - chiwongoladzanja chokwanira;
• 1 380 + 378 = 1,758 rubles. - Malipiro ochepa.

Ndi angati omwe anatenga, ochuluka kwambiri kuyika

Njira yobwezera makadi a ngongole ndi yoyamba komanso yomveka bwino kwa eni. Apa chirichonse chiri chophweka: kumapeto kwa mwezi muyenera kubwereranso ku khadi la ndalama ndalama zonse zomwe munagwiritsa ntchito nthawi yapitayi, komanso kulipira chiwongoladzanja pogwiritsa ntchito ndalama zobwereka.

Ngati mugwiritsa ntchito deta ya chitsanzo cha makolo, zikuwoneka ngati izi:

• 23,000 - ndalama zomwe zinagwiritsidwa ntchito kale;
• 23,000 х (20%: 365 30) = 378 - chiwongoladzanja chokwanira;
• 23,000 + 378 = ruble 23 378. - chiwerengero chonse cha gawo lotsatira.

Atapereka malipiro, kasitomala amatsegulidwanso malire a ruble 100,000 ndipo akhoza kugwiritsa ntchito ngongole "pulasitiki".

Musadziwerengere nokha

Ngakhale kuti zikuwoneka zovuta kuwerengera apo, pakuchita izi zimakhala kuti sizingatheke nthawi zonse kuwerengera ndalama zochepa zolipira. Mabanki ambiri amapanga nyengo yachisomo, mwachitsanzo, masiku asanu ndi awiri, pamene palibe chiwongoladzanja chomwe chimaperekedwa konse. Pankhaniyi, kuwerengera zonse ndizovuta kwambiri. Pambuyo pa zonse, muyenera kufufuza zowonongeka zonse, kuwerengera nthawi yabwino ndikusankha kuchokera ku chiwerengero chomwe mukufuna kulipira.

Ngati mutaya ndalama kuchokera ku khadi, chiwerengerocho chidzasintha, nthawi zambiri chimakhala chokwera. Ngati mwawerengedwa ndi khadi pa ATM ya bungwe lomwe si bwenzi la banki lanu, mukhoza kukapatsidwa komiti yowonjezera. Palinso zina zambiri zamatsenga.

Chifukwa cha izi, mabungwe a zachuma amayang'anira magulu onse, kumene zonse zimalingaliridwa ndi zogwiritsidwa ntchito ndi makompyuta okhaokha. Choncho, ngati pazifukwa zina mukukayikira kuwona kwa ndalama zomwe zilipo, zimakhala zosavuta kulankhulana ndi banki ndikupempha kuti muwerenge mwatsatanetsatane. Menejalayo adzafotokozera mwatsatanetsatane momwe angapezere ndalama komanso ndalama zanu.