Pali malingaliro angapo azachuma omwe amakupatsani mwayi wopanga ma projekiti anu. Pakati pa malingaliro awa ndi lingaliro la membala kasitomala ku banki. Mkhalidwe uwu umakupatsani mwayi wogwiritsa ntchito ntchito zosiyanasiyana za banki, pochita nawo ntchito yopititsa patsogolo ntchito zake.
Ngati muli ndi chidwi ndi izi, tikukupemphani kuti muwerenge nkhaniyi. Kodi kasitomala wamakampani ndi chiyani? Chifukwa chiyani kukhala membala kasitomala? Momwe mungakhalire membala kasitomala ? Ndi phindu lanji kwa membala kasitomala?
Kodi kasitomala wamakampani ndi chiyani?
Kuti mupange mapulojekiti anu azachuma kapena malo, mutha kuyimbira mabanki kuti akuthandizeni kukulitsa. Chabwino, njira yomweyi imagwiranso ntchito ku mabanki. Pokhapokha, mu nkhani iyi, ndi kasitomala amene adzachita nawo chitukuko cha banki. Pamenepa, tikukamba zazochita zamakampani.
Kodi ntchito yamakampani ndi chiyani?
Zochita zamakampani ndi lingaliro lomwe limakhudza mabungwe azachuma okha, koma osati aliwonse. Zowonadi, lingaliroli limagwiritsidwa ntchito ndi omwe amatchedwa mabanki ogwirizana kapena ogwirizana.
Zochita zamakampani imakhala ndi kugulidwa kwa gawo la likulu la banki ndi munthu. Mwachiwonekere, kuti kugula kukhale kovomerezeka, womalizayo ayenera kukhala kasitomala wa banki. Muyenera kudziwa zimenezo dkukhala membala wa bungwe ndalama présente ubwino angapo kwa kasitomala, komanso banki yake.
Kodi membala kasitomala ali ndi chiyani?
Makasitomala akampani ndi amene amagula ma sheya a likulu la banki. Komabe, pokhala membala, kasitomala adzakhala ndi ufulu kutenga nawo mbali mu ntchito zosiyanasiyana za banki. Bwanji ? Chabwino, ndi mawu ake.
Ndipotu, ngati kasitomala wamakampani, uyu adzakhala ndi mwayi wochita nawo msonkhano waukulu, pamodzi ndi mamembala osiyanasiyana a banki, ndipo izi, kuti avotere ntchito zamakono ndi zamtsogolo za bankiyi. Mwayi uwu umalola membala wamakasitomala kutenga nawo gawo pakukulitsa banki yake, chifukwa chomwe azitha kupindula ndi zosankha zambiri.
Kodi kukhala membala kasitomala?
chifukwa kukhala membala wa banki, simukusowa kukhala olemera, chifukwa muli ndi mwayi wogula magawo ku likulu la banki kuchokera ku 5 euro. Kuti muchite izi, muyenera kukhala ndi akaunti yosungira ndalama ndi banki yomwe ikufunsidwa. Ngati zachitika kale, pitani kwa mlangizi wazachuma kuchokera kubanki kuti akuthandizeni ndi masitepe!
Komabe, dziwani kuti kasitomala ali ndi ufulu wolandira kabuku ka membala m'modzi yekha ndipo kuchuluka kwake kumakwanira. Inde, kwa kupeza kabuku ka umembala, mutha kulipira pakati pa 10 ndi 2.500.000 mayuro.
Chifukwa chiyani kukhala membala kasitomala?
Khalani kasitomala wamakampani ali ndi ubwino angapo. Zina mwa izo ndi:
Khalani oyamba kupindula ndi ntchito zatsopano za banki
Ngati banki yanu ikusintha nthawi zonse, mutha kukhala woyamba kupezerapo mwayi pazithandizo zatsopano zisanafike pamsika. M'malo mwake, ngati membala komanso wothandizira chitukuko cha banki, mudzakhala pakati pa oyamba kupindula ndi ntchito zake.
Mphamvu ya malingaliro
Monga membala, mawu anu adzamveka. Choncho, ngati muli ndi lingaliro la mapulojekiti omwe angathe kupititsa patsogolo banki, muli ndi ufulu woipereka ku msonkhano waukulu.
Kuchepetsa mitengo pamabanki onse
Ngati mukufuna kugwiritsa ntchito mokwanira ntchito za banki ndi mitengo yotsika, zomwe muyenera kuchita ndikukhala membala. Mwachitsanzo, mukafunsira ngongole kubanki, banki ikhoza kukupatsani:
- ngongole yofulumira;
- une kuchepetsa chiwongola dzanja.
Kuchita nawo ntchito zofunika zachuma
Udindo wa membala amakulolani kutenga nawo mbali muzochita zosiyanasiyana za banki, komabe, kutenga nawo mbali sikudzalipidwa.
Ndi phindu lanji kwa membala kasitomala?
Monga tanena kale, udindo wa kasitomala wamakampani imalonjeza zabwino zambiri kwa mwini wake. Ubwinowu makamaka umakhazikika pa ntchito za banki.
M'malo mwake, kubweza pa ndalama zamakampani zimangogwira ntchito za banki. Mwanjira ina, kasitomala sapanga phindu mwezi uliwonse kapena chaka, monga momwe zimakhalira ndi oyanjana nawo m'makampani.
Le mfundo ya kasitomala makampani ndizosangalatsa makamaka kwa osunga ndalama kapena anthu omwe amazolowera kugwiritsa ntchito ntchito za banki pokonzekera ndi kukonza ma projekiti awo osiyanasiyana.
