Kanjani futhi kuphi akhokhe amathikithi omgwaqo ngaphandle myalo?

Ukugujwa imithetho yomgwaqo akufanele kuphela amaphoyisa omgwaqo, kodwa futhi zonke izinhlobo amakhamera. Ngakho ithuba ukuthi "ujabule" umnikazi irisidi ukoniwa zokuphatha mkhulu. Nezikweletu kufanele akhokhe off ngokushesha ngangokunokwenzeka. Imininingwane engeziwe mayelana lapho ukukhokha amathikithi omgwaqo ngaphandle ikhomishana, uzofunda kusukela kulesi sihloko.

Imibandela

Ngokusho st.32.2 Ikhodi Administrative, umshayeli lwabelwe ezingu-60 ukuze ukhokhele izikweletu. Countdown iqala izinsuku ezingu-10 ngemva kokuthola lesi sinqumo. Phakathi nalesi sikhathi, ungaphikisana nokuhlawuliswa. Ngemva kwezinsuku ezingu-60 it kuzoxoxwa ezingakhokhwanga.

ongakhetha

Kuze kube manje, kukhona izindlela ezimbalwa ukukhokha izikweletu, kuye ngokuthi indlela isikhathi khulula kakhulu indoda ungaba. Amabhange izinkokhelo ezinjalo ukushaja ikhomishana-5%. opharetha SMS ukuthatha zonke 10%. Ngakho lapho ukukhokha amathikithi omgwaqo ngaphandle myalo?

ngokusebenzisa i-Internet

Kunezinhlelo eziningi ezinikeza le sevisi. Abasebenzisi kuphela udinga ukufaka isinqumo idatha (inombolo, usuku, inani). Okulandelayo, uhlelo sihlola ngokuzenzakalela ukuthi ubakweleta ibhalisiwe, futhi uma kunjalo, ukugxumela ekhasini oyithumelayo yokukhokha. Ukuze ukuba angaweli imikhonyovu namaqhinga kangcono ukufeza ukuthengiselana okunjalo ngokusebenzisa imithombo ezisemthethweni.

portal kwemisebenzi yomphakathi

Isayithi kuyinto ehlukile nto 'Inhlawulo kanye nezimali. " Liphinde lunikeze ulwazi mayelana ezintsha. Kusukela 2016, i-buyiselo okusheshayo inhlawulo enkulu (ruble 500.) Ungase uthole isaphulelo 50 amaphesenti. Nokho, lokhu yokukhululwa akuzukwenzeka namarisidi eyakhishwa ukwephula imithetho yomgwaqo okuphindaphindiwe.

Ukuze aqhube kuthengiselana Udinga ukufaka izinombolo kwelayisensi somshayeli kanye imoto (TC), ngenhloso yokukhokha futhi kumuntu osonile idatha. Ukuze angabuyisela izikweletu kungaba inthanethi ngekhadi lakho ngokusebenzisa umakhalekhukhwini noma ifomu irisidi, futhi nalo iya ebhange. Lapha ungakwazi ukukhokha omgwaqo (Kazan) kungekho myalo, kodwa ngaphansi kombandela wokuthi umsebenzisi ungene ngemvume kwisayithi. Kulokhu, ngokuzayo ngeke ufake kabusha imininingwane yakho, futhi ungaya ngqo sokukhokhwa kwesikweletu. Kuwufanele ukubalula ukuthi ikhomishana ngeke ukhokhiswe isevisi "amasevisi zomphakathi", kodwa amanye abaxhumanisi ukukhokha zonke okufanayo kuyadingeka:

• ibalazwe - 2.3%;
• "Biline" - 7%;
• MTS - 4%;
• "Megaphone" - 6,9-9%;
• Tele2 kanye Rostelecom - 5%.

Ngendlela efanayo ungakwazi ukukhokha izikweletu ngokusebenzisa traffic kusayithi.

Inkokhelo izinhlelo

Kukuphi lapho ungakwazi ukukhokhela amaphoyisa esihle? Ayikho imali, akukho uhlelo lokukhokhisa ayisebenzi. QIWI uyala for ukusebenza 3%, kodwa hhayi ama-ruble angu esingaphansi 30. Inani lenkokhelo kukhawulwe ruble 5500. Ukuze aqhube kuthengiselana, faka inombolo nosuku isinqumo. Abantu abaye balahlekelwa irisidi, ungafunda algorithm lwezenzo "Ulwazi portal kohlaziyo abashayeli."

Nakhu lapho ukukhokha amathikithi omgwaqo ngaphandle ikhomishana kahle, ngakho-ke ivuliwe "WebMoney". Izikhungo icala kuphela imali esezingeni 0.8%. "Yandex" kuthatha 1%, ama-ruble angu-30 okungenani. Lawa masayithi baye ngaphezu kwalokho unikeze igama labo, ikheli, isifunda nokuhlukanisa okuyinto bahlawuliswe.

Amabhange ezikhumulweni

Akubona bonke abashayeli omethembayo izinhlelo zokukhokha. Abantu abaningi bakhetha ukusebenzisa uyisidala indlela - Cashier ebhange. Kulokhu, lo muntu ngokushesha uthola irisidi, futhi uma kukhona imibuzo ingatholakala ngokubiza hotline. Kodwa okokuqala wayeyoba emgqeni at cashier. Inani ikhomishana isikhungo ngasinye usetha ngamunye. Kodwa kukhona izindaba ezinhle. Ezinye amabhange, kanye amaphoyisa umkhankaso isevisi ngokuhlanganyela. Lapho ukukhokhela amathikithi omgwaqo ngaphandle myalo? Isayithi ye le nhlangano state. Kuncike ekutheni lokukhokha komunye oyedwa kuyinto ikhasimende ye "Alfa-Bank", kanye isikweletu abuyiselwe ikhadi sesikweletu. Isikimu esifanayo siyasebenza baseRussia abangamaphesenti zikhishwa ngumuntu "Binbank".

Ungase futhi ukukhokha isikweleti ngokusebenzisa imishini self-service. Futhi lokukhokhisa imali le sevisi, uhlobo isheke, kodwa ushintsho akuwona. Izibalo zenziwa kuphela imali.

Savings: traffic amaphoyisa izinhlawulo

Ikhomishini sesikweletu ngoba le sevisi 3% (buncane besikhatsi 30 ruble.) Endabeni ka isikweletu yokukhokha ekhawunteni. Benhlanhla Udinga ukunikela irisidi, elibonisa imininingwane umzuzi. Ukuze angabuyisela izikweletu ngangokunokwenzeka futhi ngokusebenzisa esigungwini. Ukuze wenze lokhu ekhasini main menu, khetha "Khokhela isigwebo zokuphatha" - "Amaphoyisa omgwaqo" - bacacise inani labantu uchungechunge izinqumo - faka isamba - wafaka imali bill acceptor.

Kodwa kungcono ukusebenzisa isevisi, "Sberbank Online": "Izinkokhelo nokudluliswa" - "Izintela kanye inhlawulo" - "Ukucinga nezinkokhelo" - faka isixazululo idatha (inombolo, usuku) - ukukhokha izikweletu. Izinzuzo umsebenzi sesevisi sasimthanda amakhulu ezinkulungwane zabantu baseRussia. Akagcinanga ngokushesha udlulisele imali, kodwa futhi ngokuzimela lucwaningo izikweletu search ngokufaka imininingwane. Nansi indlela nokukhokhwa omgwaqo. Commission:

• "Sberbank Online": 1-3%.
• Cashier - ubuncane ruble angu-30.

SMS

enye kanjani ngokushesha ukukhokha inhlawulo? Ayikho imali ukwenza kube engasebenzi. Kodwa uma umuntu akanayo isikhathi noma ukufinyelela igatsha lasebhange noma ukusebenzisa i-Inthanethi, kungase ukhokhe izikweletu ngosizo SMS-imiyalezo. Lona ezingabizi kakhulu, kulula ukuyisebenzisa, kodwa ngesikhathi esifanayo ngendlela ebizayo. IKhomishana kuyoba 5-10% semali yokukhokha. Yebo, futhi irisidi ngeke aphrintwe. Omunye ethile. Le ndlela ukubuyiswa kwemali kutholakala kuphela izakhamuzi eMoscow, ababhalise kwi-website ye "platform United yeselula." Ukuze wenze lo msebenzi, udinga ukuthumela i-SMS enombolweni 7377 nombhalo «servicereg». Buza ukutholakala inhlawulo engakhokhiwe ngu ngokufeza nombuzo elandelayo mayelana: ". Uchungechunge emihle kanye nenani isitifiketi sokubhaliswa imoto" Endabeni izikweletu ezingakhokhiwe efonini yomsebenzisi uzothola imilayezo ezimbili ezingafani: kuletha isaziso, kwesibili - isiphakamiso ukukhokha lemali. Izakhamuzi nezinye izifunda angayisebenzisa ngokunenzuzo inkonzo efuze leyo «moishtrafi». Udinga uthumele i-SMS kule nombolo 9112 athi: "XXX akhokhe UUUUUUUUUU Petrov V I.", lapho:

• XXX - sum;
• UUUUUUUUUU - inombolo Ukulungiswa;
• Petrov V I. - Igama lokukhokha komunye oyedwa.

irisidi

Kungcono ukukhokha isikweleti ngokusebenzisa ebhange noma lingasetshenziswa esigungwini. Kulokhu, iklayenti Ungahlala azophrinta iresidi, okufakazela ukuvuthwa izikweletu. Leliphepha kumele agcinwe okungenani omunye unyaka emva kokuhlinzwa, njengoba ngokuvamile traffic amaphoyisa kudingeka kabusha ukukhokha isikweleti. Nakuba kulesi simo, konke incike kumuntu. Abanye bathanda ukuthatha ingozi bese ugcine imali ngokukhokha izikweletu ngokusebenzisa izinhlelo zokukhokha ngokunikezwa ukuthunywa ubuncane, kodwa ngaphandle kokuthola. Uma inani esihle incane, izindleko ezengeziwe ruble 30 ngesikhathi esisodwa wazizwa. Khona-ke kungcono ukusebenzisa ibhange ku-intanethi, ikhokhe isikweletu ngokunikezwa ukuthunywa ephansi, londoloza, bese uzitholele irisidi.

isiphetho

Zikhona ongakhetha eziningi ngangokunokwenzeka ukuze akhokhe amathikithi omgwaqo. Ayikho imali ukukhokha izikweletu ngeke zisebenze. Nakuba amaphoyisa kanye namabhange ukudala amasevisi wabelane ukuthola izinkokhelo, kodwa abasebenzise kuphela kumakhasimende ethile kungase isikhungo credit ku ngaphansi kwezimo ezimvunayo. Ukuze angabuyisela izikweletu ngangokunokwenzeka futhi ngokusebenzisa cashier ebhange, kodwa kulokhu kubalulekile ukuvikela indawo bese ukhokha ikhomishana enkulu. Imiholo iningi amasevisi e-inthanethi azihlukile kakhulu kusuka ukuthi of the isikhungo sezezimali. Ngakho-ke, ukuze ukuchitha isikhathi, kungcono ukusebenzisa izinhlelo zokukhokha noma "I-akhawunti yami" Savings Bank.