Ncwadi Savings: indlela iyafaneleka ehlabathini namhlanje

Incwadi Savings luxwebhu kokuqinisekisa ekuqukunjeiweni yesivumelwano phakathi ebhankini kunye abathengi malunga nokufumana kunye nokugcinwa zengxowa-akhawunti yakhe. Kunikezelo maxwebhu kuye Sberbank. Lamapasi unokuba kweentlobo ezimbini: bearer kunye negama.

Umntu unelungelo lokukhetha uhlobo loxwebhu onesiphumo. Njengoko i noVimba ebalulekile yenza inkcazelo epheleleyo malunga umntu kunye ebhankini (idilesi, igama, igama umxhasi), kwakunye neenkcukacha malunga nayiphi na intshukumo kwemali kwi-akhawunti okanye kuye. Xa kungekho namanye amaxwebhu axhasayo, isiseko zokuhlala zebhanki ezi amangeno kwirejista. Ukongeza, umthengi unelungelo lokusirhoxisa nasiphi na isixa uluhlu lweentlobo igalelo kuphela kwi-ntetho lamapasi. Kungenjalo, umqeshwa ibhanki iya kuba nako ukuhlangabezana nemfuno yomtyali.

Ngoko ke ukujongana nale Umbuzo ophambili: kutheni ukudala incwadi kulondolozo kusetyenziswa yintoni injongo na? Ngaphambili, oko inxaxheba wasebenzisa iinkampani xa ikheshi nokuhlawulwa kwabasebenzi umvuzo. Okwangoku, kunjalo, inkqubo ngokubanzi of transfer kwemali emakhadini imali kunye ngetyala. iinzuzo High ukusuka kwincwadi imali kwi-akhawunti yakho xa uthe watsala imali ngokungekho mthethweni. Ngapha koko, ukuba kule meko iya kuba uqinisekiso oku yaye ziya kuba sisiseko ingqalelo imicimbi enjalo ungalanjathiswa.

Kubalulekile ukuphawula ukuba ibhanki obizwa incwadi imali kuthathwa ukhuseleko. osemqoka efana ithuba yokosulela ngakumbi uxwebhu ukusuka kumnini omnye komnye. Ngenxa yoko, oko kuthengiswa ngaphandle ulwazi ebhankini, nto leyo ayidingi ngokusemthethweni. Yaye nje isiqinisekiso lamapasi pre-asayina isivumelwano phakathi kwabantu abagcinisa kunye iziko lamatyala, ngoko ke ukungabi kho kwalo xwebhu akakwaleli Ukulahla le mali kwi-akhawunti ngokwengqiqo yalo. Nangona incwadi obizwa, enyanisweni, yaye ngaloo ndlela uxwebhu eqinisekisa ubukho kwesivumelwano. Yiyo loo nto kungekho ngaphandle isibonelelo isibambiso akufunekanga kuphunyezwa.

Enye inkalo lweentlobo ingqalelo iinkqubo recovery lamapasi xa ulahlekelwe. Amagama It, unako lula ukulungisa okanye ukutshintsha umnikazi entsha yokuqala isicelo. Ukuze wenze oku, kwanele ukuba bangenise isicelo kwi-ofisi ye ebhankini. Kodwa ke incwadi imali bearer akabakhathalele ukulungisa okanye indawo. Ngoko ke, ukuba uxwebhu ilahlekile okanye yonakele, iziko lamatyala ayikwazi ukunceda ngenxa yokuba akukho sizathu iqinisekile ilifa ngokusemthethweni lencwadi. Buyisela amalungelo kunokwenzeka kuphela ngokusebenzisa lokufaka isimangalo enkundleni ukusombulula lo mba ngabasemagunyeni zoluntu.

Ezinye iibhanki ukuba wonge imali musa ukunikezela iincwadi, yaye umda kuphela kokugqitywa imvumelwano kunye client. Noko ke, umtyali-mali unakho ukucela olu xwebhu, ngaphandle kokuba kuchaziwe ngenye indlela kwisivumelwano. Ubukho lamapasi uya kuba kuni isiqinisekiso olongezelelweyo ukhuseleko kwemali. I-Bank unalo ilungelo lokwala umxhasi xa yokukhupha kuxwebhu imali kuphela xa amaqela ikhontrakthi waqaphela into yokuba ukungabikho kwakhe. Ngoko ke, ngaphambi kokusayina isivumelwano umthengi kufuneka ahlole ngenyameko oko, ukuba umvuselele ngokwabo iingxaki kwixesha elizayo.

Xa ndiqukumbela, kunokwenziwa isigqibo sokuba lamapasi akukho kangako ngoku kunangaphambili. Kakade ke, kukho ezintsha sentlawulo, kwaye tracking intshukumo kwemali, kodwa ngokunxulumene idipozithi, oko ube umncedisi kakhulu, ngoko ke ukuba kuphanga ubuncwane zomntu wesithathu i isiqinisekiso eyongezelelweyo bayaphika imisebenzi.