Kadhi rebhangi rine emahara kugadzirisa - zvakadii zvakasununguka? Zvakanaka
Kana iwe uchibvuma kuisa nemamiriro emamiriro ebhangi kana nemakororo mikana. Phintolk anotsanangura maitiro ekubhadhara kwebasa regore uye kwete kumhanyisa muzvirango
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Yemahara, asi ...
Kadhi rekugadzirisa rinogona kunge rakasununguka here? Mufundisi, bhangi rinofanira kutakura kurasikirwa nguva dzose pamakadhi akadaro, nekuti kumwe kwekuvhiringidza kunoreva zvimwe zvemukati. Nekudaro, iyo Sber yakakura kwazvo muRussia, uye pamwe naye uye mamwe mabhangi yakapihwa nemakadhi echikwereti uye kubhengi kwemakore akati wandei, izvo zvinosimudzirwa se "mahara".
Semuenzaniso, kwete kubhadhara kuchengetedza kwemamwe makadhi, iwe unofanirwa kushandisa kutenga kubva kune zviuru zvitatu kusvika pamakumi manomwe emakumi mairi emwedzi nemwedzi kana kugara uchichengeta kadhi inosvika zviuru makumi maviri - zviuru makumi mashanu.
Mashandiro Ekuita? Semuenzaniso, Julia kadhi remubhadharo, kuchengetedza kwaasina kumurasa, sezvo kadhi rakapihwa mushandirwi akagumisa kubvumirana kwemubhadharo nebhangi. Uye Julia ane kadhi rekubhengi rebhangi rimwe chete rine Kesbank, uyo wemwedzi nemwedzi unodhura 150 rubles. Izvi ndezve miniti, 1800 rubles pagore. Asi Julia haabhadhare Julia yekushandisa iyi kadhi, nekuti SMS notices ine refu yakaremara (kuchengetedza 720 rubles pagore), uye yemahara kune mari yake kubva kune kadhi remubhadharo. Panguva imwecheteyo, iye anoshandisa zvisingasviki zviuru zvishanu zvendarira pamwedzi pakutenga kubva pane kadhi rekubhengi pamwedzi, kuzadzisa mamiriro acho anopihwa nebhangi.
Kukurumidza, Asi Wakafa?
Kune avo vasingaronge kuti vawane kuwana muzana kubva pachiyero, mamwe mabhangi achiri kupa "nzvimbo inongwori nemamepu yebasa regore risingatore kana huwandu hwehuwandu hwe150 kusvika pamakumi matatu emadhora. Instant zvinyorwa makadhi (chaiko "Instant kuburitswa") anoburitswa nekukurumidza kana uchibata bhangi.
Iro zita romuridzi hariratidzi zita remuridzi, asi iye ane zvimwe zviratidzo zvekadhi rebhangi rebhangi rechikwereti:
- Nhamba uye nguva yekubvumika yekadhi inoderedzwa kurudyi kumberi;
- Kune mukana kune vekutanga masevhisi, kusanganisira kubhadhara kusingabatwe;
- Pakutenga zvinogona kukanganisa mabhonasi;
- Iwe unogona kusunga bhiri mune chero mari;
- Mepu inoratidzwa mubhangi renhare.
Mamiriro ekushumirwa kiredhiti kadhi rechisimba inogona kunge isiri kuwanikwa mune zvese zvitoro zvemamhepo. Uye zvakare, mamwe masevhisi (push notices, mini zvirevo muATM, nezvimwewo) pane iyo "pakarepo" makadhi "anogona kupihwa mubhadharo.
Kuti "chizi" zvakanyanya
Kana zviri zvezvemahara zvikwereti, kusanganisira nonanneseal uye "pakarepo", ipapo zvinhu zvese zvinoenderana neTariff: Mabhangi anowanzoisa mamiriro ekugadzirisa yemahara.
PaVTB, semuenzaniso, pane kiredhiti "Mepu yemukana" - pakutanga yakasununguka, asi kana ikabatana neiyo bhonasi chirongwa, mubhadharo wepagore uchave anenge mazana mashanu rubles.
Banknote "iwewe unogona" rosbank ichangobatana naKashi, asi yekugadzirisa yemahara, iyo yemwedzi nemwedzi pamepu inofanirwa kunge iri zviuru gumi nezvishanu zvibodzwa. Mune mamwe mabhanga "kuverengerwa", huwandu hwekutenga pane imwe kiredhiti kadhi rinogona kubva zviuru zvinomwe kusvika makumi manomwe emakumi manomwe emakore, uye nekupedza kudiki, basa racho rakabatanidzwa.
Izvo zvinoitika kuti makadhi echikwereti anoburitswa uye akasindisirwa mahara uye anoita seanenge asina chero mamiriro ezvinhu, asi zvese zvakanaka zvinodya zvikamu zvakakwirira (kubva muzana uye zvakakwirira), kushaikwa kwekachengethi uye kwenguva pfupi nguva yenyasha. Saka dzidza kuturika usati wabvumirana ne "emahara tchizi".
Munguva pfupi yapfuura, mabhangi ari kuwedzera kupa mahara emijitari emamepu ayo asina midhiya yemuviri. Kusiyana nemakadhi echokwadi, chinangwa kunyanya kubhadhara kutenga online, makadhi akadaro ane zvingangoita mikana yese yeiyo yakajairika "mapurasitiki". Chokwadi, hazviwanikwe kune wese munhu.
Hazvibviri kurasikirwa nekadhi redhijitari, zvakaoma kuba, asi kuti uzvishandise muchitoro chekunze kana kubvisa mari yacho muTerminals kana samsung kubhadhara, kana Android kubhadhara. Maiwe, kwete ese madhidhi emadhijitari akasununguka sevhisi pasina mamwe mamiriro ezvinhu, saka zvakakosha kunyatsoongorora zvinodiwa kubhengi kusasiya zvachose "mapurasitiki".
Mune zviitiko zvimwe chetezvo, apo mari yemakadhi ebasa iri yakatanga kupihwa neTariff, hazviitike kuendesa iyo: bhangi richangobvisa huwandu hunodiwa. Panguva imwecheteyo, muMinus, kunyange iyo "zero" kiredhiti kadhi haizoendi, asi mari yacho ichasviba, kana chero mubhadharo wawanikwa - uye saka kusvikira chikwereti chose chabhadharwa. Panyaya yekunyanyisa yakabatana kana nekadhi rechikwereti, mamiriro acho ezvinhu akaoma: Unogona kuva nechokwadi chekuti hapana chikwereti pamepu, asi mushure mekunyora chikwereti chebasa, chikwereti chisingafanogona kugadzirwa.
Muchidimbu, bhangi nguva dzose inoramba iripo neyakaipa: Kuzivisa Kadhi Yemahara Service, pane zvimwe zvezvigadzirwa zvePremium, mari yekuwedzera, kana mavara ekuwedzera, kana muzana emari pamusoro peganho. Asi rudo rwevatengi kune maFreebies harina basa, uye mabhangi anongotsigira uye anoshandiswa zvinobudirira. Tom uye mira.
