Kodi ndizothekadi kulipira foni yam'manja yokhala ndi ID yokha popanda kulipira koyamba? Ndiko kulondola, ndi kulowa uku Tikukufotokozerani zonse zomwe muyenera kudziwa za chisankho ichi. Ngati mukufuna kugula foni yam'manja yatsopano popanda kusokoneza kukhazikika kwanu pazachuma, iyi ndiye njira yanu yabwino kwambiri.
Sikuti aliyense angakwanitse kugula chipangizo chodula ndi ndalama. Choncho, alipo njira zopezera ndalama zambiri pamabajeti onse ndi zochitika. Zina mwa izo ndi kuthekera kopeza foni yam'manja yatsopano pongopereka ID yanu popanda chindapusa choyambirira. Tiyeni tiwone momwe izi zimagwirira ntchito.
Momwe mungalipire foni yam'manja pokhapokha ndi ID komanso popanda kulipira koyamba?
Lingaliro lopezera ndalama pafoni yam'manja kokha ndi ID komanso popanda kulipira koyamba zikuwoneka zabwino kwambiri kuti sizoona. Kugula chipangizo chatsopano mothandizidwa ndi ndalama nthawi zambiri kumafuna chindapusa cholowera. Kuphatikiza apo, masitolo, mabanki ndi mabungwe ena azachuma amafuna kuwonetsa zikalata zosiyanasiyana kuti atsimikizire mtundu uliwonse wa ngongole.
Komabe, m'zaka zaposachedwapa modality wa ndalama popanda mtengo wolowera. Izi zikutanthauza kuti wosuta akhoza kupindula ndi ndalama popanda kulipira ndalama zoyamba. Kuphatikiza apo, chinthu chokhacho chomwe muyenera kuwonetsa monga chofunikira kwambiri ndi chikalata chanu chalamulo chapano.
Kwa ambiri, kugwiritsa ntchito njira imeneyi kwawalola pezani foni yam'manja yatsopano mwachangu komanso mosatekeseka. Motero, sikuti amangopeŵa kulipira mtengo wonse wa foni yam'manja kuti aipeze, komanso amasunga ndalama zolipirira zoyamba. Pongopereka ID yawo ndikukwaniritsa zofunikira zina, amatha kutenga zida zawo ndikuyamba kuzigwiritsa ntchito nthawi yomweyo.
Kodi ndalama zamtunduwu zimagwira ntchito bwanji?
Kulipirira foni yam'manja ndi ID yokha komanso popanda kulipira koyambirira kumakupatsani mwayi wopeza chida chamakono osasokoneza bajeti yanu ya pamwezi. Tsopano, pali mbali zina zomwe muyenera kuziganizira musanavomereze mgwirizano wamtunduwu. Tiyeni tiwunikenso Momwe ndalama zam'manja zimagwirira ntchito ndi ID komanso popanda kulowa:
- Mwachibadwa, sitepe yoyamba ndi kupereka pemphani ndalama pa intaneti kapena sitolo yakuthupi. Mabanki ena amaperekanso mwayi umenewu kwa makasitomala awo.
- Pempholi likuwunikidwa ndipo, ngati livomerezedwa, wogwiritsa ntchito angathe tengani foni yanu nthawi yomweyo.
- Mtengo wonse wa chipangizocho umagawidwa malipiro a mwezi uliwonse chofikika. Kuchuluka kwa gawo lililonse ndi zolipirira zidzadalira woperekayo ndi ndondomeko yandalama yosankhidwa.
- Ngakhale palibe kubweza komwe kumafunikira, kumbukirani kuti chindapusa chitha kugwira ntchito. zofuna pa ndalama zomwe zaperekedwa. Chifukwa chake, ndikofunikira kuwonetsetsa kuti mukuwerenga zolembedwa bwino kuti mupewe zodabwitsa.
Zambiri masitolo ndi mabungwe azachuma Amapereka mwayi kwa makasitomala awo mwayi wopezera foni yam'manja ndi ID komanso popanda kulipira koyamba. Makhazikitsidwe ngati media Markt y Khothi Lachingerezi, mwachitsanzo, khalani ndi ndalama zogulira zida zosiyanasiyana zamagetsi popanda chindapusa cholowera. Mofananamo, a makampani amafoni Amapereka zida zam'manja motere malinga ngati wogwiritsa ntchitoyo azikhala ndi foni yomweyo kwa nthawi yodziwika.
Izi ndi zofunika kuti mupeze foni yam'manja popanda chindapusa choyambirira
Tsopano, chifukwa chakuti sitolo ili wokonzeka kuthandizira foni yam'manja pokhapokha ndi ID ndipo popanda malipiro oyambirira sizikutanthauza kuti palibe zofunika. M'malo mwake, kumasuka kwamtundu uwu wandalama kumafuna kuti sitolo iwonetsetse kuti kasitomala akhoza kuganiza kudzipereka malipiro. Kuti muchite izi, ndizofala kupempha, kuwonjezera pa DNI, ma risiti ndi zolemba zina zomwe zimalola kuti ntchito ya wopemphayo itsimikizidwe.
Inde, chofunika kwambiri ndi National Identity Document (DNI) panopa. Ndi chikalatachi n'zotheka kutsimikizira kuti wopemphayo ndi ndani, kaya ali ndi zaka zovomerezeka komanso ngati ali wokhoza kudzipereka mwalamulo kudzipereka kwachuma. Ikhoza kukhala Electronic DNI Spanish kapena dziko lina lililonse la ku Europe, kapena pasipoti kapena NIE ya nzika zomwe si a EU.
Chinthu chinanso chofunika kwambiri kuti mupereke ndalama kwa foni yam'manja ndi ID komanso popanda kulipira koyamba ndikupereka chiphaso cha ndalama. Zomveka, wopereka ndalama akuyenera kuwonetsetsa kuti wopeza ndalama azilipira ndalamazo mkati mwa nthawi yokhazikitsidwa. Kuti muchite izi, muyenera dziwani mkhalidwe wa ntchito ndalama zomwe wopemphayo amapeza komanso ndalama zomwe amapeza pamwezi.
Kwa masitolo ambiri aukadaulo ndi makampani amafoni, zidzakhala zokwanira kupereka a chikalata cha banki kapena kubweza msonkho. Zolemba zina zomwe zingagwiritsidwe ntchito kutsimikizira momwe ntchito zilili mgwirizano wa ntchito kapena malipiro. Lingaliro ndikuthandizira mwalamulo komanso movomerezeka kuti wogwiritsa ntchito ali ndi ndalama zokwanira pamwezi kuti alipire chindapusa.
Kuphatikiza pa zofunika izi, mabungwe ena azachuma amafunsa kuti wopemphayo akhale Mkazi waku Spain ndi a akaunti yaku banki m'dzina lanu. Kuti mupewe kuchedwa ndi kubweza m'mbuyo, ndi bwino kudziwa pa intaneti zomwe muyenera kulipira musanagwiritse ntchito. M'malo mwake, masitolo ena amapereka chidziwitso chonsechi ndikukulolani kuti mutseke malondawo patsamba lawo lovomerezeka.
Kulipirira foni yam'manja kokha ndi ID komanso popanda kulipira koyambirira: Mfundo zomaliza
Kulipirira foni yam'manja kokha ndi ID komanso popanda kulipira koyamba ndikotheka, koma simuyenera kusangalala kwambiri. Tisanapange lonjezo limeneli, tiyeni tikambirane mwachidule zina mfundo zofunika kuziganizira:
- Fananizani zotsatsa. Monga tanenera kale, mtundu uwu wa ndalama wakhala wotchuka kwambiri. Chifukwa chake, yerekezerani zotsatsa zosiyanasiyana pamawebusayiti osiyanasiyana ndi malo ogulitsira ndikuwunika zomwe zimagwirizana bwino ndi zachuma chanu.
- Werengani zolembedwa bwino. Kumbukirani kuwerenga zonse zomwe zikuyenera kuchitika musanavomereze kubweza ngati chonchi. Mwachitsanzo, makampani ena amapereka ndalama zogulira zida pamtengo wabwino, koma ndi mapulani amafoni okwera mtengo. Izi zitha kukulitsa kwambiri mtengo wonse womwe mumalipira.
- Konzani malipiro a magawo. Musanapereke ndalama zothandizira foni yam'manja yokhala ndi ID yokha komanso popanda kulipira koyamba, konzekerani kulipira pang'onopang'ono mwezi uliwonse. Kumbukirani kuti mabungwe ena amalipira zilango polipira mochedwa. Chifukwa chake mutha kulipira zambiri kuposa momwe mumayembekezera.
Mukatsatira izi popereka ndalama pafoni yam'manja ndi ID komanso popanda kulipira koyamba, sipadzakhala chodandaula. M'malo mwake, mudzasangalala ndi zida zanu zatsopano popanda ngongole zambiri zomwe zimakupangitsani kugona usiku.
Kuyambira ndili wamng'ono ndakhala ndikufunitsitsa kudziwa zonse zokhudzana ndi kupita patsogolo kwa sayansi ndi zamakono, makamaka zomwe zimapangitsa moyo wathu kukhala wosavuta komanso wosangalatsa. Ndimakonda kukhala ndi chidziwitso ndi zomwe zachitika posachedwa, ndikugawana zomwe ndakumana nazo, malingaliro ndi malangizo okhudza zida ndi zida zomwe ndimagwiritsa ntchito. Izi zidandipangitsa kuti ndikhale wolemba pa intaneti zaka zopitilira zisanu zapitazo, ndikungoyang'ana kwambiri zida za Android ndi makina ogwiritsira ntchito Windows. Ndaphunzira kufotokoza m’mawu osavuta zinthu zovuta kuti owerenga anga kuzimvetsa mosavuta.