Kodi malipiro oyenera a ngongole ndi otani?

Mpaka pano, tonsefe tiri ndi khadi la ngongole. Ndi chithandizo chake, ife tikhoza kulipira osati zathu zokha, komanso tinabwereka ndalama. Mukatha kuwerenga nkhaniyi, mudzapeza kuti kulipira kovomerezeka pa khadi la ngongole la Sberbank ndilo.

Kodi ndizifukwa zotani zopezera khadi la pulasitiki?

Pezani khadi la ngongole akhoza pafupifupi nzika iliyonse yomwe imakwaniritsa zomwe banki ikufuna. Choncho, munthu amene angakwereke ayenera kukhala ndi pasipoti ya mkati mwa nzika ya Russian Federation. Mbadwo wa osowa ayenera kukhala osachepera khumi ndi zisanu ndi zitatu ndi zosaposa makumi asanu ndi limodzi zisanu zisanu. Ayenera kukhala ndi chilolezo chokhazikika ndi malo ogwira ntchito. Chochitika cha wobwereka sayenera kusokonezedwa kwa zoposa mwezi.

Musanayambe kudziwa momwe mungaperekere malipiro ovomerezeka pa khadi la ngongole la Sberbank, muyenera kudziwa zomwe zimatengera kuti pulasitiki ikhale yokha. Kuti mupereke ngongole, muyenera kulankhulana ndi nthambi yoyandikana nayo ndikupereka phukusi lofunikira la zikalata. Pambuyo pake, ogwira ntchitowa adzafunsidwa kuti adzaze fomu yopempha ndikulowetsani apa pasipoti deta. Kuwonjezera pamenepo, wogwira ntchito ku banki ali ndi ufulu wopempha chidziwitso china chotsimikizirika kuti ndi wotani. Izi zingakhale tikiti ya usilikali, pasipoti yachilendo kapena layisensi yoyendetsa galimoto.

Kugwiritsa ntchito kungatenge masiku angapo kubwereza, pambuyo pake wobwereka adzadziwitsidwa ndi chisankhocho.

Ubwino wa makadi a ngongole a Sberbank

Kulembetsa kwake kumachitika kamodzi kokha. Kakhadi ikadzatha, banki idzaibwezeretsanso ndipo idzadziwitse makasitomalayo potumiza uthenga ku foni yam'manja.

Khadi la ngongole nthawi zambiri limakhala wothandizira kwambiri pa zochitika zosayembekezereka, pamene mukusowa ndalama mwamsanga, ndipo palibe amene angakhoze kubwereka. Amaloledwa kuchotsa ndalama zopanda malire nthawi. Bungwe limadziwerengera palokha ndikukhazikitsa malire a ngongole. Wokongola amakhala ndi nthawi yotchedwa chisomo, pomwe palibe chiwongoladzanja chomwe chimagwiritsidwa ntchito pogwiritsa ntchito ndalama. Monga lamulo, silidutsa masiku 50. Ngati ndi kotheka, khadi ikhoza kutulutsidwa nthawi yambiri, ndipo chotsitsacho chikhoza kupezeka kudzera mwa imelo.

Kodi kulipira kotani ku khadi la ngongole la Sberbank?

Liwu limeneli limatanthauza ndalama zochepa zomwe ziyenera kulipidwa mu akauntiyi ngongole isanakwane. Kukula kwake kumatsimikiziridwa kulingalira ngongole yonse ya ofuna chithandizo. Monga lamulo, malipiro oyenera a munthu sayenera kukhala osachepera 150 rubles.

Kuti abwezere ngongoleyo, wobwereka sikuti amangopanga ndalama zonse mwamsanga. Ziri zokwanira kuti ndalama zofanana ndi 5% za ngongole yayikulu imatchulidwa nthawi zonse ku akaunti. Ngati ndi kotheka, chidwi chikuwonjezeredwa ku chiwerengero cha ntchito ndi kuchepa kwa chiwongoladzanja.

Ndingadziwe bwanji kuchuluka kulipira kwa mwezi?

Mungapeze zambiri pa bwalo lapafupi la banki. Kuonjezera apo, mabungwe ena amapereka mauthengawa kudzera pa intaneti. Kuti muchite izi, wolemba kasitomala ayenera kulemba m'dongosolo ndikulowa tsamba loyamba, pomwe deta yonse yofunikira idzawonetsedwa.

Anthu omwe amagwiritsira ntchito khadi la ngongole nthawi zonse, ayenera kulandira mauthenga pa foni yam'manja. Mwanjira iyi, wobwereka adzatha kuyendetsa zochitika zonse ndikuphunzira za kuchuluka kwa ngongoleyo.

Kodi mungalipire bwanji?

Mpaka lero, mukhoza kupanga malipiro ovomerezeka m'njira zosiyanasiyana. Mwachitsanzo, makasitomala omwe akugwira nawo ntchito yotchedwa " salary projects" angapereke malipiro awo ku khadi la ngongole. Mukhozanso kutumiza ndalama kuchokera ku akaunti imodzi kupita ku zina.

Pezani malipiro oyenera kuti mutha kulipira kudzera mu ofesi kapena ndalama zedi zomwe zili pafupi ndi nthambi yapafupi ya banki. Pogwiritsira ntchito njirazi, ziyenera kunyalidwa mu malingaliro kuti ena mwa iwo sali aufulu. Nthawi zina, kuwonjezera pa ndalama zazikulu, muyenera kulipira ntchito zina.

Ngati muli ndi ndalama zofunikira (mwachitsanzo, pa khadi la malipiro), khadi la ngongole limangopereka malipiro oyenera kubwereketsa (pansi pa mgwirizano woyamba).

Mawu ochepa ponena za mwambo wokumbukira masiku omaliza ndi ma bonasi ena

Mabanki ambiri apakhomo amalola kulipira malipiro a mwezi uliwonse tsiku lomaliza la mweziwo. Koma izi sizimaloledwa nthawi zonse. Pali mabungwe oterowo omwe amalamulira nthawi yoyenera. Ngati panthawiyi kasitomala alibe nthawi yopereka malipiro, Kenaka adziwerengera ndalama. Malamulo enieni ayenera kulamulidwa mu mgwirizano wa ngongole womwe unakhazikitsidwa panthawi ya khadi. Kuchedwa kuchezetsa kungakhudze nkhani yanu. Ndipo m'tsogolomu mungakumane ndi mavuto pamene mukukonzekera ngongole.

Ndiponso kwa mitundu ina ya kuchotsera makhadi a ngongole, mabhonasi ndi mitundu yonse ya mautumiki apamwamba amaperekedwa.