Uyithola kanjani imali ekhadini lesikweletu? Lapho udinga imali ephuthumayo noma ukukhokha izikweletu, izobuza ukuthi kungenzeka yini ukuthi uyikhiphe ekhadini lakho lesikweletu . Izinkampani eziningi ze Amakhadi esikweletu i vumela ukuthola izimali yekhadi lakho ngokusebenzisa i- imali kusengaphambili .
Yize lokho kungahle kube lula empintsheni, ukuthuthuka kwemali nakho kunakho Ezinye izinto eziphazamisayo Yini okufanele ibhekwe. Ngakho-ke ngaphambi kokusebenzisa ikhadi lakho lesikweletu ukuthola imali, kubalulekile ukukala okuhle nokubi.
- Izinkampani eziningi zamakhadi wesikweletu zikuvumela ukuthi ukhiphe imali ekhadini lakho ngokusebenzisa imali kusengaphambili.
- Ngokuya ngekhadi, ungakhipha imali ngokufaka kwi-akhawunti yasebhange, usebenzisa ikhadi lakho kwi-ATM, noma ngokubhala isheke elilula.
- Ukuthuthuka kwemali kungaba nesilinganiso se- inzalo ephezulu kakhulu yonyaka ukuthi ukuthenga noma ukulinganisela ukudluliswa, futhi inzalo iqala ukwanda ngokushesha. Futhi, bavame ukuba namacala.
Uyithola kanjani imali kwi-ATM enekhadi lesikweletu?
Ngabe usacabanga ngokukhipha imali kusengaphambili? Sincoma kakhulu okuhlukile, futhi umuntu wakho wesikhathi esizayo uzokubonga uma ungakwenzi. Kepha uma wenze isinqumo, sizokuhambisa esinyathelweni ngasinye senqubo engezansi.
- Cabanga ngezinye izinketho: Ngibeka engcupheni ukuzwakala ngiphindaphindeka, ukuthuthuka kwemali akuwona umqondo omuhle. Ezinye izinketho zifaka i-0% APR yokuthenga amakhadi esikweletu kanye nemalimboleko ephansi ye-APR.
- Hlola ukuze uqiniseke ukuthi ikhadi lakho livumela imali engenayo: hlola imigomo yekhadi lakho, hlola ideshibhodi yakho eku-inthanethi noma isitatimende ukuthola umkhawulo wokukhokha imali, noma ushayele inombolo yocingo ngemuva kwekhadi lakho lesikweletu ukuthola.
- Hlola umkhawulo wakho wemali ngaphambi kwesikhathi: qiniseka ukuthi uyazi ukuthi ungakanani imali ongayikhipha usebenzisa imali engaphambili. Imvamisa ungakubona lokhu esitatimendeni noma ungashayela inombolo yocingo engemuva kwekhadi lakho. Kungase kube nemikhawulo yangaphambi kwesikhathi yemali.
- Thola noma usethe i-PIN yakho: kungenzeka ukuthi yafika nekhadi lakho ngenkathi ulithola ngeposi. Ngaphandle kwalokho, kuzodingeka ukuthi uyicele kumhlinzeki wekhadi lesikweletu ngokungena ku-akhawunti yakho yekhadi lesikweletu online noma ngokushayela inombolo yocingo ngemuva kwekhadi lakho. Kungathatha izinsuku zebhizinisi eziyi-7-10 ukusetha i-PIN.
- Qonda imigomo nezimali ezikhokhelwa imali ekhadini lakho: Ukuthuthuka kwemali kungabiza, ngakho-ke kungcono kakhulu ukwazi kusengaphambili ukuthi ukuphi.
- Cabanga ngohlelo lwakho lokukhokha: Bala ukuthi uzokhokha nini imali ekhishwa kusengaphambili futhi wenze izibalo ukuthola ukuthi uzokhokha malini imali eyengeziwe ngemali oyitholayo.
- Thola imali ekhishwa kusengaphambili: Uma uthathe isinqumo sokuqhubeka nayo (ungasho ukuthi asizami ukukuqinisekisa ngenye indlela!), Thola i-ATM, faka ikhadi lakho, bese ufaka i-PIN yakho lapho utshelwa. Esikhundleni sokukhetha Ukuhlola noma Ukonga njengoba ubuvame ukwenza kusengaphambili ngemali, kufanele ukwazi ukukhetha enye inketho, njengeCash Advance noma iKhadi Lesikweletu. Khumbula ukuthi ungakhokhiswa imali yokusebenzisa i-ATM (ngaphezu kwemali yokudlulisa ibhalansi) uma uku-network ehlukile kunesikhungo sakho sezezimali.
- Khokha imali ekhishwa kusengaphambili ngokushesha ngangokunokwenzeka: uzoqala ukwengeza izindleko zenzalo zisuka nje, ngakho-ke uma ungaqali ukukhokha ikhadi ngokushesha, isikweletu sakho singaphuma singalawuleki.
Kusebenza Kanjani Ukuthuthukiswa Kwemali Yesikweletu
Imvamisa, amakhadi wesikweletu asetshenziselwa ukuthenga. Isibonelo, ikhadi lisetshenziswa kwirejista yemali noma inombolo yekhadi nosuku lokuphelelwa yisikhathi kufakwa ngalo ukuthenga izinto online. Njengoba uthenga, isikweletu sakho esitholakalayo sehliswa yilelo nani uze ukhokhe isikweletu sekhadi lesikweletu.
Ukuthuthuka kwemali ekhadini lesikweletu kusebenza ngokuhlukile. Uma ikhadi lakho liyivumela (futhi akuwona wonke umuntu olivumela), ungaba nomkhawulo wesikweletu wokuthenga nomunye umkhawulo wokuthola imali, ngokuvamile ongaphansi komkhawulo wakho wokuthenga. Uma uthatha imali kusengaphambili, uboleka imali ngalo mkhawulo wesikweletu.
Ngokwengeziwe, ukuthuthuka kwemali kuqala ukwanda kwenzalo ngokushesha, ngokungafani nokuthengiwe, lapho uvame ukuba nesikhathi somusa sezinsuku ezingama-20-30 ukukhokha i-akhawunti yakho ngaphambi kokuba inzalo iqale ukwanda.
Kunezindlela eziningana zokuthatha imali phambili, kufaka phakathi:
- Cela ukudluliswa kwemali kusuka ekhadini lakho lesikweletu kuya ku-akhawunti yakho yasebhange
- Khipha imali ku-ATM
- Zibhalele isheke elilungele wena bese ulifaka ebhange
Kufanele ukwazi ukuthola umkhawulo wakho wemali engaphambili ngokuhlola isitatimende sakho samuva sekhadi lesikweletu. Uma ungayiboni, ungashayela inkampani yakho yekhadi lesikweletu ukubuza ukuthi ngabe imali oyithathayo iyindlela ongakhetha ngayo nekhadi lakho futhi, uma kunjalo, uthini umkhawulo wakho.
Kubiza malini ukukhipha imali ekhadini lesikweletu?
Ukuthola imali akukhokhelwa. Kunezindleko eziningana okufanele uzicabangele lapho uthatha eyodwa.
Okokuqala, kunemali ekhokhwa kusengaphambili yemali
Le yimali ekhokhiswa yinkampani yekhadi lesikweletu ukuze kube lula ukukhipha imali emikhawulweni yakho yemali engaphambili. Kungaba imali eyisicaba, efana ne- $ 5-10, noma iphesenti lemali kusengaphambili, ukuthi yikuphi okukhulu kakhulu. Inani lingahluka kusuka ekhadini kuya ekhadini.
Ungakhokha futhi imali eyengeziwe uma ukhipha imali ekhadini lesikweletu kwi-ATM noma egatsheni lasebhange. Kungasebenza intela ekhokhiswa ngaphezu kwe-ATM, noma kungadingeka ukhokhe imali ye-ATM ngalokhu kusizakala .
Okwesibili, i-APR
Ingxenye yesibili ye-equation yezindleko zangaphambili zemali isilinganiso samaphesenti sonyaka. Ezimweni eziningi, APR Ukuthola imali kuphakeme kune-APR ejwayelekile yokuthenga noma ukudlulisa ibhalansi. Futhi, njengoba kushiwo ngenhla, inzalo iqala ukuqoqeka ngokushesha.
Lokho kubalulekile ukukhumbula uma ufuna indlela engabizi kakhulu yokufinyelela ukheshi. Uma kuqhathaniswa nemalimboleko yomuntu siqu yesikhashana esifushane, isibonelo, imali engaphambili ingagcina inenzalo ephakeme kakhulu yenzalo.
Ngabe ikhadi lami lesikweletu lizosebenza ku-ATM?
Cishe wonke amakhadi wesikweletu akuvumela ukuthi uboleke imali ngokuthola imali, kepha, mhlawumbe akuwona umqondo omuhle . Ngemuva kwakho konke, imali ekhokhwayo kanye namazinga aphezulu wenzalo ayindlela enhle yokuthi abakhiphi benze imali, njengoba ubona kulesi sibonelo.
Hlola isivumelwano somninikhadi esize nekhadi lakho ukuze uqiniseke. Uma ubona ifayela le- I-APR ye- imali kusengaphambili futhi eyodwa imali ekhokhelwa kusengaphambili , lapho-ke ungathola kusengaphambili ukheshi ngalelo khadi. Kungabukeka okufana nalokhu:
Hlola isitatimende sakho sekhadi lesikweletu. Uma ubona eyodwa umugqa wesikweletu imali kusengaphambili noma umkhawulo wesikweletu osengaphambili wemali , lelo inani eliphakeme lemali ongalikhipha. Kubalulekile ukwazi ukuthi imayelana nani ukuze ungazami ukuhoxa kakhulu. Umkhawulo wesikweletu wentuthuko yemali uvame ukuba ngaphansi kunomkhawulo wesikweletu sekhadi lakho wokuthenga okujwayelekile.
Uma ungenayo imigomo yekhadi lakho lesikweletu noma isitatimende esisebenzisekayo, ungashayela inombolo yocingo ngemuva kwekhadi lakho ukubuza ukuthi ngabe i-akhawunti yakho iyakuvumela yini ukwanda kwemali kanye nomkhawulo womugqa wakho wesikweletu.
Ngaphandle kwalokho, inqobo nje uma unesikweletu esanele, okuwukuphela kwento engakuvimba ukuthi ukwazi ukufinyelela kusengaphambili kwemali ohambeni uma ungayazi i-PIN yekhadi lakho lesikweletu.
Kungenzeka ukuthi uthole i-PIN ngenkathi uthola ikhadi lakho lesikweletu elisha ngeposi, noma kungenzeka ukuthi waba nenketho yokwenza i-PIN yakho yangokwezifiso ku-inthanethi noma ngocingo.
Uma ikhadi lakho lesikweletu lifaka ukusebenza kwe-chip ne-PIN (i-chip namakhadi we-PIN awekho e-United States, kepha ajwayelekile kakhulu e-Europe), ungakwazi ukusebenzisa i-PIN efanayo ongayisebenzisela ukuthenga, noma ngabe i-PIN ekhishwa kusengaphambili yemali kungahluka. Xhumana nomkhiphi ukuthola eminye imininingwane.
Uma ungaqiniseki ngokuphelele ngesimo se-PIN yakho, asikho isidingo sokukhathazeka. Ngokuya ngomnikezeli wekhadi, ungakwazi ukungena ngemvume kwi-portal ye-akhawunti ye-inthanethi yomhlinzeki wakho noma uhlelo lokusebenza lweselula ukudala i-PIN, ucele i-PIN entsha, noma ubuke / ucele i-PIN yakho yamanje. Vele ukhumbule ukuthi ukufinyelela ngokushesha i-PIN yakho kungenzeka kungenzeki ngezizathu zokuphepha.
Ngenye indlela, ungahlala ushayela inombolo yocingo yensizakalo yamakhasimende ngemuva kwekhadi lakho lesikweletu ukuthola usizo.
Awufuni ukukhwabanisa ukuthola i-PIN yakho? Ungathola imali kusengaphambili ngokuvakashela ibhange elihlotshaniswa nomhlinzeki wekhadi lakho lesikweletu (yize ukutholakala kwale sevisi kuncike kulowo okhiphile). Uzodinga ukukhombisa ophethe imali ikhadi lakho kanye ne-ID esemthethweni ekhishwe uhulumeni.
Izizathu zokuthi kungani ukwanda kwemali kuyisu elibi
- Izimali eziphezulu zokuthengiselana ngokukhokhiswa kwemali: nge Imvamisa, kuzodingeka ukhokhe imali ngokuya ngenani lemali ebolekwe. Amagama esivumelwaneni sakho sekhadi lesikweletu ngokuvamile asho okuthile okufana ne- $ 10 noma i-5% yenani lesamba ngasinye semali, noma yikuphi okukhulu. Lokho kusho ukuthi uzokhokhiswa imali eyisicaba engu- $ 10 lapho uboleka kufika ku- $ 200, noma u-5% wemali oyibolekayo uma weqa u- $ 200.
- Asikho isikhathi somusa: Uma uthenga kumakhadi wesikweletu amaningi, inkampani yekhadi lesikweletu ngeke iqale ukukhokhisa inzalo khona lapho. Ukukhishwa kwemali ekhadini lesikweletu kwehlukile. Uma uboleka imali enkampanini yekhadi lakho lesikweletu, baqala ukukukhokhisa inzalo, ngakho-ke izindleko zezezimali zengeza ngokushesha.
- Amanani enzalo aphezulu: Yize ingekho phezulu kunezinye izindlela, njengezimalimboleko zosuku lokukhokha, isilinganiso samaphesenti sonyaka (i-APR) ekuthuthukisweni kwemali ngokuvamile siphezulu kakhulu kunokuthengwa okuvamile kwekhadi lesikweletu. Cishe ama-25% akuyona into engavamile. Khumbula, asikho isikhathi somusa. Ngemuva kwalokho uzoqala ukukhokhisa inzalo ngaleli zinga eliphakeme ngokungaqondakali zisuka nje.
- Uphawu olubi kubabolekisi: Uma inkampani yakho yekhadi lesikweletu ibona ukuthi usebenzisa ukuthuthuka kwemali, amamodeli abo engcuphe angakumaka njengomboleki oyingozi. Lokho kungenxa yokuthi bayazi ukuthi abantu basebenzisa imali esetshenziswayo uma bephelelwe yithemba. Uma bekubona uyingozi, ungahle ungakwazi ukuthola imigqa ephakeme yesikweletu noma imigomo emihle nalelo bhange ngokuzayo. Bangasebenzisa ngisho nesilinganiso senzalo esiphezulu kubhalansi yakho ngokuzayo, noma bavale i-akhawunti yakho.
- Ukusetshenziswa kwemali okuncishisiwe: Ibhalansi yakho engaphambili yemali ingeza esikweletini sakho sekhadi lesikweletu. Lesi sikweletu sibonakala emibikweni yakho yesikweletu. Ngokuvamile, uma sikhuphula isikweletu sakho sekhadi lesikweletu uma kuqhathaniswa nesamba sakho semali esitholakalayo, kwehla izikolo zakho zesikweletu. Uma usuvele unamabhalansi aphezulu kumakhadi wakho wesikweletu ngokuqhathaniswa nemikhawulo yakho yesikweletu, ukuthuthuka kwemali kungaba nomthelela omubi omkhulu kuzikolo zakho zesikweletu.
Ukuzikhulula: Le yindatshana yolwazi.
IRedargentina ayinikezi izeluleko zomthetho noma zomthetho, futhi akuhloselwe ukuthi ithathwe njengeseluleko sezomthetho.
Umbukeli / umsebenzisi waleli khasi lewebhu kufanele asebenzise imininingwane engenhla kuphela njengomhlahlandlela, futhi kufanele ngaso sonke isikhathi axhumane nemithombo engenhla noma abamele uhulumeni abasebenzisayo ukuthola imininingwane esesikhathini ngaleso sikhathi, ngaphambi kokwenza isinqumo.
Okuqukethwe
- Uyithola kanjani imali kwi-ATM enekhadi lesikweletu?
- Kusebenza Kanjani Ukuthuthukiswa Kwemali Yesikweletu
- Kunezindlela eziningana zokuthatha imali phambili, kufaka phakathi:
- Kubiza malini ukukhipha imali ekhadini lesikweletu?
- Okokuqala, kunemali ekhokhwa kusengaphambili yemali
- Okwesibili, i-APR
- Ngabe ikhadi lami lesikweletu lizosebenza ku-ATM?
- Izizathu zokuthi kungani ukwanda kwemali kuyisu elibi
- Ungasifaka kanjani isicelo sekhadi lesikweletu le-Walmart
- Imalimboleko yemali yamaSpanishi e-United States
- Ungayithola kanjani ilayisense yokunakekela asebekhulile? - Konke lapha
- Ungaqasha kanjani indlu ngaphandle kwesikweletu e-USA?
- Ngidinga isikweletu esingakanani ukuthenga indlu?
- Uma ngingalisebenzisi ikhadi lami lasebhange, ingabe ngizokhokhiswa?