Kukhala nthumwi ya Tarsamaya m'dziko lanu

Kukhala nthumwi ya Tarsamaya m'dziko lanu

Chikalata ichi chilibe mphamvu ya mgwirizano. Chikudziwitsani, chisanafike chilichonse chomangira, zomwe mudzachita ndi zomwe mudzalandira. Chomwe chimakumangani ndi mgwirizano wokha womwe mudzasaina, ndipo ndi umenewo wokha womwe uli wotsimikiza. Ndalama zolembedwa pano ndi zitsanzo za kuwerengera, osati lonjezo la ndalama zolowa.

Chikalata chikufotokoza zomwe mudzachita, zomwe mudzalandira ndi zomwe mudzasenza. Werengani chonse musanavomere: kubwerera m'mbuyo lero kuli bwino kuposa kudziwa mochedwa kukula kwa maudindo anu.

Ntchito zanu

Mumasonkhanitsa ndalama zomwe amalonda a m'dziko lanu amatilipira

Sabata iliyonse, amalonda ndi opereka utumiki a m'dziko lanu amene amagwiritsa ntchito Tarsamaya amakulipirani zomwe atilipira. Mumazisonkhanitsa m'dzina lathu, m'ndalama za dziko lanu — ndi njira zolipirira zomwe zimagwiritsidwa ntchito kwa inu: akaunti ya positi, kutumiza kwa banki, chikwama cha lamya — molingana ndi zomwe munanena.

Palibe kusonkhanitsa ndi ndalama za m'manja. Ndalama iliyonse yolandiridwa iyenera kusiya chizindikiro ku banki: ndi ichi chomwe chimakutetezani pamene pali mkangano, ndipo ndi ichi chomwe chimalepheretsa kuti alembe pa inu ndalama zomwe simunalandire.

Ngati mlonda apereke kulipira ndi ndalama za m'manja, kanani ndipo mutumizeni ku imodzi ya njira zomwe munanena. Kulandira ndalama za m'manja — ngakhale ndi mtima wabwino ndipo ngakhale muzilowetse mwamsanga mu akaunti yanu — ndi kuswa ulamuliro wopatsidwa: pa nthawi imeneyo palibe chomwe chikanatha kutsimikiza kuti ndalama zinachokera kwa ndani kapena pa maziko otani zinalandiridwa.

Ndalama zoyenera kulipira zimasiyana malinga ndi ntchito ya mlonda.

Mlonda amene amagulitsa zinthu amatilipira peresenti imodzi ya malonda ake.

Wopereka utumiki, ngakhale ntchito yake ikhale yotani — kumeta ndi kusamalira, mapaipi a madzi ndi kumanga, kunyamula, kujambula, kupereka uphungu, kuphunzitsa, kusamalira, kukonza, zaumoyo, kukonza zochitika ndi utumiki wina uliwonse — amatilipira peresenti makumi awiri pa utumiki umene wachita kwa kasitomala amene nsanja inamubweretsera. Pa makasitomala ake omwe, sanatilipire kanthu.

Wopereka utumiki amalipiranso ndalama ya mwezi uliwonse yomwe imamupatsa mwayi wolowa mu nsanja, ya 3 500 MK pa mwezi m'dziko lanu. Mwezi woyamba ndi waulere. Ndalama imeneyi mumaisonkhanitsanso monga zina.

M'tsogolo mudzaperekedwa utumiki wina, ndi mitengo yake. Mudzadziwitsidwa za utumiki umenewo ndipo mudzalipidwa molingana ndi malamulo omwewo: chiwerengero chanu chimagwira ntchito pa ndalama zonse zomwe mumasonkhanitsa m'dzina lathu, ngakhale magwero awo akhale otani.

Ndalama zomwe mumasonkhanitsa zimakhalabe m'dziko lanu, kupatula chinthu chimodzi chokha — gawo la Tarsamaya, lomwe mumatitumizira m'njira yofotokozedwa pansipa. Ichi ndi maziko a kapangidwe ka Tarsamaya, ndipo ndi ichi chomwe chimatithandiza kukhala padziko lonse lapansi.

Molingana ndi malangizo athu mumalipira eni ufulu a m'dziko lanu

Tikukupemphani m'kalata kuti mulipire eni ufulu omwe ali m'dziko lanu: amalonda, opereka utumiki, otumiza makasitomala, othandizira mndandanda wa zinthu, ndi mabungwe a mzinda wanu. Mumalipira m'ndalama za dziko lanu ndipo mumatitumizira chitsimikizo.

Chiyeso sichiri malo okhala a mwini ufulu, koma malo omwe akaunti yake inatsegulidwa. Mumalipira kokha ku akaunti yotsegulidwa m'dziko lanu.

Choncho, wothandizira mndandanda amene akhala kunja koma ali ndi akaunti kwa inu, mungathe kumulipira. Mosiyana ndi zimenezo, simutumiza konse ndalama ku akaunti ya kunja: malamulo a ndalama za dziko lanu amaletsa zimenezo ndipo zikanakuika pa ngozi pa inu nokha. Eni ufulu otere amalipidwa m'njira zina, zomwe siziri m'ulamuliro wanu.

Simutsimikizira kulipira

Mumasonkhanitsa zomwe zinakulipirani zoona. Simutsimikizira m'njira iliyonse kulipira kwa amalonda ndipo mulibe udindo wa kutulutsa ndalama pasadakhale.

Ngati mlonda kapena wopereka utumiki sanalipire ngongole yake, ngongole imeneyo imakhalabe ngongole yake kwa Tarsamaya. Kuisonkhanitsa kapena kuisenza sikuli ntchito yanu. Simuyenera kuchita zinthu zosonkhanitsira, kapena kukakamiza mlonda amene wachedwa: zikumbutso zimachitidwa ndi pulogalamu, ndipo njira zofunika timazichita ife.

Popeza malipiro anu amakhazikika pa ndalama zomwe zinasonkhanitsidwa zoona, ngongole yosalipiridwa siikuwonongetsani kanthu kupatula malipiro amene ikanabweretsa.

Mumalipira kokha kuchokera ku ndalama zosonkhanitsidwa

Mumachita malipiro kokha m'malire a ndalama zomwe muli nazo zoona m'dzina lathu. Simuyenera konse kutulutsa ndalama zanu pasadakhale, ngakhale kufulumira kotani konenedwa.

Ngati ndalama zoyenera eni ufulu zipitirira zomwe muli nazo, tidziwitseni: malipiro pa nthawi imeneyo agawidwa m'magulu kapena achitidwa m'njira ina. Malipiro ochitidwa ndi ndalama zanu sakupatsani ufulu wa kubwezeredwa mwamsanga ndipo amakhalabe pa ngozi yanu.

Mumatitumizira gawo lathu

Ichi ndi ntchito imodzi yokha yoyenda pa malire m'kapangidwe konse. Zomwe ziri zathu mumatitumizira mutalipira eni ufulu onse a m'dziko lanu ndipo mutasunga malipiro anu.

Choncho, mumatitumizira kokha zotsalira: zomwe zimatsalira pamene amalonda, opereka utumiki, otumiza makasitomala, othandizira mndandanda ndi mabungwe a m'dziko lanu alipidwa.

Mumapereka chitsimikizo pa ntchito iliyonse

Kusonkhanitsa kulikonse ndi kulipira kulikonse kuyenera kukhala ndi chitsimikizo — chithunzi cha risiti ndi nambala ya chizindikiro cha ntchito. Chofunika ichi chimakutetezani mmene chimatiteteza: ntchito yotsimikizidwa moyenera singatsutsidwe pa nkhani yakuti inachitika.

Chitsimikizo chimatsimikizira kuti ntchito inachitika. Sichikukumasulani ku kusamala kofotokozedwa pansipa: ntchito yosayenera imakhalabe yosayenera, ngakhale italembedwa mopanda kalata.

Mumakhalabe ofikirika

Mumatsimikizira kuti muli okonzeka mu pulogalamu kamodzi kokha m'masiku asanu ndi awiri onse. Chochita chimodzi chikwanira; palibe njira yofunika.

Iyi si nkhani ya kuyang'anira: kusapezeka kwanu kwa nthawi yaitali kumalepheretsa malipiro onse a amalonda ndi opereka utumiki a m'dziko lanu ndipo kumaimitsa kapangidwe konse ka m'deralo. Zotsatira za kusakhala ndi chitsimikizo zafotokozedwa mu mutu wa kutha kwa ulamuliro.

Malipiro anu

Kufika peresenti khumi ndi zisanu za gawo la Tarsamaya pa ndalama zonse zomwe mumasonkhanitsa m'dziko lanu, molingana ndi tebulo la magawo pansipa.

Njira ya kuwerengera

Kuchokera pa ndalama iliyonse yosonkhanitsidwa, gawo limodzi ndi la anthu ena: amalonda, opereka utumiki, otumiza makasitomala, othandizira mndandanda wa zinthu, mabungwe. Zotsalira zomwe zimatsalira eni ufulu amenewo atalipidwa zimapanga gawo la Tarsamaya. Kuchokera pa gawo limenelo mumalandira peresenti khumi ndi zisanu pa amalonda anu 299 oyamba; pambuyo pake chiwerengero ichi chimasintha malinga ndi magawo.

Gawo ili ndi lanu isanafike misonkho yathu ndipo isanafike ndalama zathu zogwiritsira ntchito. Limasungidwa loyamba, chifukwa limalipira ntchito yanu.

Malipiro amenewa alembedwa ndi misonkho yonse. Ngati ntchito yanu m'dziko lanu ili pansi pa msonkho wa phindu lowonjezera kapena msonkho wofanana, umatengedwa monga uli mkati mwa ndalama zomwe mumalandira, ndipo kuunena ndi kuulipira ndi udindo wanu. Pa maziko amenewa palibe chowonjezera chomwe chingafunsidwe.

Lamulo limodzi ili likukwaniritsa mayendedwe onse: makomishoni a malonda, makomishoni a utumiki, ndalama za mwezi uliwonse, ndi utumiki uliwonse umene tidzawonjezere pambuyo pake. Malipiro anu amatsatira izo pa iwo okha, popanda kufunika kukambirananso mgwirizano.

Kawerengero ka sabata kamaonetsedwa kwa inu mu pulogalamu: ndalama zosonkhanitsidwa, ndalama za anthu ena, gawo la Tarsamaya ndi gawo lanu.

Miyeso ya kukula

Ndalama zili pansipa zalembedwa m'ndalama za dziko lanu (MK) ndipo ndi zitsanzo za kuwerengera zokha, popanda mphamvu yomangira ndipo popanda chitsimikizo cha ndalama zolowa. Malipiro anu enieni amadalira ntchito yeniyeni ya amalonda a m'dziko lanu.

Ndi amalonda atatu. Aliyense amafika pa 1 400 000 MK ya malonda pa sabata, ndiye kuti 4 200 000 MK zonse. Komishoni ya 1 % ndi 42 000 MK, yomwe mumasonkhanitsa. Eni ufulu atalipidwa, malipiro anu ndi 2 520 MK.

Ndi wopereka utumiki mmodzi. Wokonza mapaipi a madzi amachita ntchito zinayi pa sabata, iliyonse ya 35 000 MK, ndiye kuti 140 000 MK, kwa makasitomala amene nsanja inabweretsa. Komishoni ya 20 % ndi 28 000 MK. Malipiro anu ndi 1 890 MK.

Ntchito zimenezo zimakhudza kokha makasitomala amene nsanja inabweretsa. Pa makasitomala a wopereka utumiki mwini, palibe komishoni yoyenera.

Kusiyana pakati pa zitsanzo ziwiri kumachokera ku ziwerengero: komishoni ya utumiki ndi peresenti makumi awiri ya ndalama, ndipo ya malonda a zinthu ndi peresenti imodzi. Pa ndalama yofanana, utumiki umapereka malipiro apamwamba kwambiri.

Ndi ndalama za mwezi uliwonse. Wopereka utumiki aliyense amalipira 3 500 MK pa mwezi kuti alowe mu nsanja. Malipiro anu ndi 473 MK pa ndalama iliyonse pa mwezi.

Ndi gulu lonse

Nthumwi yomwe imayendera amalonda makumi anayi ndi opereka utumiki makumi awiri imalandira:

Pa mwezi, kuphatikiza ndalama za mwezi: pafupifupi 257 260 MK. Ndalama imeneyi imakhalabe chitsanzo cha kuwerengera ndipo mwa njira iliyonse siili ndalama zolowa zotsimikizidwa.

Choncho malipiro anu sadalira mlonda mmodzi, koma amadalira chiwerengero chawo. Ndipo popeza utumiki umabwerezedwa, ukhoza kubweretsa malipiro mu nthawi iliyonse ya ntchito.

Mmene chiwerengero chanu chimasintha

Chiwerengero chanu chimagwira ntchito malinga ndi magawo, pa maziko omwewo ndi msonkho wa ndalama zolowa: gawo lililonse limasunga chiwerengero chake, ndipo ndi amalonda okha omwe ali pamwamba pa malire amene amalowa mu chiwerengero chotsatira.

Amaonedwa wogwira ntchito mlonda wa m'dziko lanu amene wachita malipiro osachepera amodzi m'miyezi itatu yapitayi. Chiwerengero chikuoneka mu pulogalamu yanu.

Chifukwa chiyani magawo osati mulingo umodzi

Tebulo la mulingo umodzi likanagwiritsa ntchito chiwerengero chofikidwa pa ntchito yanu yonse. Pa nthawi imeneyo mukanataya ndalama pamene mudutsa malire: mlonda wanu wa 300 akanatengera 299 oyamba kuchokera pa 15 kufika pa 12 peresenti.

Tebulo la magawo likuletsa zimenezo. Mlonda aliyense wowonjezera amakulitsa malipiro anu nthawi zonse. Mlonda wanu wa 300 amalipidwa pa 12 %, koma 299 oyamba amakhalabe pa 15 %.

Choncho chiwerengero chanu chapakati chogwira ntchito chimatsika pang'onopang'ono, ndipo palibe malire amene amakubwezerani m'mbuyo:

Maziko a kutsika kumeneku: katundu wa ntchito yanu sachulukitsidwa kawiri pamene chiwerengero cha amalonda chichulukitsidwa kawiri, chifukwa gawo lalikulu la kuyang'anira limachitidwa ndi dongosolo.

Kusintha kulikonse kwa tebulo kumadziwitsidwa kwa inu masiku makumi atatu poyamba ndipo sikungagwiritsidwe ntchito pa nthawi zomwe zadutsa kale.

Malire a ulamuliro wanu

Mumagwira ntchito modziyimira pawokha

Ubale wanu ndi Tarsamaya ndi ulamuliro wopatsidwa, osati mgwirizano wa ntchito. Simuli wolembedwa ntchito wolandira malipiro, kapena wogwira ntchito, kapena nthumwi yovomerezeka ya Tarsamaya.

Mumakonza ntchito yanu momasuka: maola, njira, maulendo, zida. Sitikukonzerani maola, sitikukupatsani malo a ntchito ndipo sitigwiritsa ntchito mphamvu iliyonse ya chilango. Malangizo omwe tikukupatsani amakhudza kokha ntchito zoyenera kuchitidwa — mwini ufulu uti ndi ndalama zingati zoyenera kulipira — osati njira imene mumayendetsera ntchito yanu.

Mumakhalabe omasuka kuchita ntchito ina iliyonse ya ukatswiri, monga wolembedwa ntchito kapena modziyimira pawokha, kuphatikizapo kukhala inu nokha mlonda kapena wopereka utumiki pa nsanja.

Mosiyana ndi zimenezo, pa nthawi ya ulamuliro simungathe kuchita ntchito yofanana ndi yanu kwa utumiki umene ukupikisana ndi Tarsamaya, kapena kukhala ndi gawo la kayendetsedwe mu bizinesi yotere.

Kukwaniritsa zofunika za kulembetsa ndi kunena zomwe lamulo la dziko lanu likufuna pa ntchito yodziyimira pawokha, komanso kulipira zopereka zoyenerera, ndi udindo wanu.

Simutsimikizidwa kukula kwake kotani ka ntchito, ndipo malipiro anu amadalira kokha ntchito zomwe zinachitidwa zoona.

Simumangira Tarsamaya

Mulibe mphamvu ya kupanga mgwirizano m'dzina la Tarsamaya. Simukambirana mtengo uliwonse, simupereka kuchotsera kulikonse, simuvomereza kuchedwa kulikonse, simusaina mgwirizano uliwonse ndipo simutenga udindo uliwonse wa mtundu uliwonse umene ukanamangira Tarsamaya kwa mlonda, kwa mwini ufulu kapena kwa munthu wina.

Ulamuliro wanu umakhudza kokha kuchita ntchito zomwe zinatsimikizidwa kale: kusonkhanitsa ndalama zoyenera kulipira, kulipira mwini ufulu wolembedwa ndalama zolembedwa. Sulinso ndi mphamvu iliyonse ya kuimira malonda.

Ngati mlonda akufunse kuchotsera, kuchedwa kapena kusintha kwa zofunika zake, mutumizeni ku pulogalamu, yomwe ndi yokha yotsimikiza. Udindo wotengedwa kunja kwa malire amenewa sungaikidwe kutsutsana ndi Tarsamaya ndipo umapanga kokha udindo wanu.

Simukhala konse ndi ndalama zambiri

Malire anu a kusunga ndi 1 000 000 MK. Amafanana, pa dziko lanu, ndi wotsika mwa ndalama ziwiri: kawiri kwa malipiro otsika kwambiri a mwezi uliwonse malinga ndi lamulo, kapena malire a padziko lonse omwe timagwiritsa ntchito kulikonse. Ndalama yeniyeni imaonetsedwa kwa inu mu pulogalamu nthawi iliyonse.

Malire amenewa sali denga la kukula: ndi mayendedwe a kutumiza. Malinga ndi ntchito ya amalonda a m'dziko lanu, kawirikawiri mudzasonkhanitsa nthawi zambiri ndalama imeneyi pa sabata. Ichi ndi chachizolowezi ndipo chinakonzedwa.

Pamene zomwe muli nazo zifike ku malire, kutumiza kumakhala koyenera kulipiridwa m'maola makumi anayi ndi asanu ndi atatu. Kusonkhanitsa kwanu kumapitiriza pa nthawi imeneyo: amalonda anu saletsedwa konse kukulipirani chifukwa chakuti munagwira ntchito bwino.

Kusonkhanitsa kumaima kokha ngati zomwe muli nazo zifike 2 000 000 MK, ndiye kuti kawiri kwa malire, ndipo kutumiza koyenera kulipiridwa sikunachitika. Kuima pa nthawi imeneyo kumalanga kutumiza kosachitika, osati konse kukula kwakukulu kwambiri.

Malire amenewa amakutetezani. Chifukwa mumasunga zochepa ndi kwa nthawi yaifupi, mumakhala pa ngozi yochepa pamene pali kuba, kutayika kapena mkangano — ndipo udindo wanu umakhala wolemera pang'ono. Ndi chifukwa chake tikukupemphani kutumiza kambirimbiri m'malo mwa kutumiza zambiri.

Malire amachulukitsidwa kawiri miyezi 4 iliyonse ya ntchito popanda chochitika cholembedwa, mpaka 27 000 000 MK — ndiye kuti nthawi 27 za ndalama yoyamba, yomwe imafikidwa pambuyo pa miyezi 20. Ndalama yayikulu imeneyi ndi yofanana kwa nthumwi zathu zonse padziko lonse, yotembenuzidwa ku ndalama zanu; chiwerengero cha kuchulukitsa kawiri kofunika chimadalira, choncho, pa poyambira panu.

Simuyendetsa ntchito zanu

Ngati inu nokha muli mlonda kapena wopereka utumiki pa nsanja, simuyendetsa malipiro omwe inu nokha muyenera kulipira. Makomishoni anu ndi ndalama zanu za mwezi zimathetsedwa m'njira ina, yomwe timakuonetsani.

Lamulo lomwelo limagwira ntchito pa malipiro omwe mkazi kapena mwamuna wanu, achibale anu apamwamba ndi apansi, ndi makampani omwe mumayendetsa kapena mumalamulira ayenera kulipira. Palibe amene angakhale nthawi imodzi wangongole ndi wofufuza ngongole yake.

Mumagwira ntchito kokha m'dera lanu

Dziko limodzi, nthumwi imodzi. Mungathe kunena kokha maakaunti otsegulidwa m'dziko lanu, ndipo mungathe kulipira kokha eni ufulu omwe ali ndi akaunti m'dziko lanu.

Maakaunti anu amafufuzidwa poyamba

Kusanafike kusonkhanitsa kwanu koyamba, timafufuza chikalata chanu cha chizindikiro ndi akaunti imodzi yolipirira m'dzina lanu. Kufufuza kumeneku kumathandiza amalonda kutsimikiza kuti akulipira munthu wovomerezeka.

Maudindo anu apadera

Mumagwira ntchito nokha

Mumachita ulamuliro nokha. Simungathe kupereka ntchito zanu, zonse kapena gawo, kwa munthu wina — wachibale, wogwira ntchito kapena wa kontrakiti — popanda chilolezo chathu cholembedwa choperekedwa poyamba.

Chofunika ichi sichiri cha maonekedwe okha: amalonda a m'dziko lanu amakulipirani chifukwa chizindikiro chanu chinafufuzidwa. Kusonkhanitsa kochitidwa ndi munthu wina wopanda chilolezo kumapanga udindo wanu pa ndalama zonse zokhudzidwa.

Mumasunga chinsinsi cha uthenga

Pa kuchita ulamuliro mumafika pa uthenga wachinsinsi: chizindikiro ndi malonda a amalonda, uthenga wa banki wa eni ufulu, ndalama za ntchito.

Mumalonjeza kuugwiritsa ntchito kokha pa zolinga za ulamuliro, kusaunena kwa munthu wina aliyense ndi kusunga chinsinsi chake kuphatikizapo ulamuliro utatha. Muli omangidwa ndi maudindo omwe lamulo la dziko lanu likuika pa kuteteza uthenga wa munthu.

Simuchotsa makasitomala

Pa nthawi ya ulamuliro ndi m'miyezi khumi ndi iwiri pambuyo pa kutha kwake, mumapewa kupita kwa amalonda amene munadziwa chizindikiro chawo chifukwa cha ulamuliro, ndi cholinga cha kuwatumiza ku utumiki umene ukupikisana ndi Tarsamaya.

Malire amenewa sakuchepetsa ufulu wanu wa kuchita ntchito zina: amakhudza kokha kugwiritsa ntchito uthenga womwe unapezeka chifukwa cha ulamuliro.

Mumasamala pa gwero ndi kopita ndalama

Mumakana kusonkhanitsa kulikonse komwe gwero lake likuwoneka lokayikitsa kwa inu, ndipo mumatidziwitsa popanda kuchedwa. Simulipira mwini ufulu aliyense amene mukudziwa kapena mukukayikira kuti ali pansi pa njira zoletsa, ndipo mumatsatira malamulo a dziko lanu pa kuletsa kutsuka ndalama.

Kukayikira kuyenera nthawi zonse kutsogolera ku kutifunsa musanachite, osati konse ku kuchita musanafunse.

Zofunika zenizeni za ulamuliro wanu

Ndalama za banki zimagawidwa malinga ndi gwero lawo.

Ndalama za kulandira zomwe banki ya mwini ufulu imasunga zimachotsedwa pa ndalama zomwe amalipidwa: aliyense amasenza mtengo wa kulandira kwake. Pulogalamu imaonetsa mwini ufulu ndalama yoyera yomwe adzalandire.

Ndalama za kutumiza zomwe banki yanu imasunga kwa inu kuti muchite malipiro zimakwaniritsidwa ndi malipiro anu, chifukwa akaunti ndi njira zolipirira mumazisankha nokha.

Ndalama za kutumiza gawo lathu zimakhalabe zonse pa ife, chifukwa ntchito imeneyo ndi yathu.

Kutumiza kumachitidwa m'njira yomwe tikuonetsani, yosinthidwa malinga ndi malamulo a dziko lanu. Pamene ndalama za dziko lanu sizitumizika momasuka, timafotokoza njira yovomerezeka yoyenera kutsatira ndi ndalama yeniyeni yoyenera kutumizidwa.

Ngozi ya kusintha kwa mtengo wa ndalama sikugwera pa inu. Mumamasulidwa ku udindo wanu potumiza ndalama yomwe tikuonetsa, m'ndalama zomwe tikuonetsa. Kusintha kulikonse kwa mtengo pakati pa kusonkhanitsa ndi kutumiza kumagwera pa ife.

Ngati kutumiza kuzikhala kosatheka kwa inu chifukwa cha njira ya kuyang'anira ndalama, kutsekedwa kwa banki kapena mkhalidwe wina wopambana mphamvu zanu, tidziwitseni mwamsanga. Ndalama zimakhalabe m'manja anu m'dzina lathu, ndipo chotchinga chimenechi chokha sichipanga udindo wanu.

Pamene pali mphamvu yosagonjetseka — tsoka la chilengedwe, mkangano, chigamulo cha ulamuliro, kuwonongeka kwakukulu kwa maukonde a banki kapena a mauthenga — maudindo a mbali iliyonse amaimitsidwa pa nthawi yonse ya chochitika.

Pamene pali imfa kapena kulephera kwa nthawi yaitali ulamuliro umatha mwa lamulo. Ndalama zosungidwa m'dzina lathu siziri m'chuma chanu ndipo ziyenera kubwezeredwa kwa ife; pa chimenechi timapita kwa olowa m'malo anu kapena kwa nthumwi yanu yovomerezeka.

Maudindo athu a ndalama kwa inu ali oletsedwa ku malipiro opezedwa ndi ndalama zokhala ndi chitsimikizo. Sitili ndi udindo pa zotsatira za kudulika kwa utumiki, kusapezeka kwa pulogalamu kapena chigamulo cha bungwe la banki.

Tingathe kusintha zokonzedwa zothandiza — njira zolipirira zovomerezeka, kawirikawiri ka kawerengero, mmene pulogalamu ikugwira ntchito. Kusintha kulikonse komwe kukukhudza malipiro anu kapena maudindo anu ofunika kumadziwitsidwa kwa inu masiku makumi atatu poyamba.

Zomwe zaletsedwa kwa inu momveka

Zoletsa izi ziri zopanda zofunika. Ndi chofunika kuti muzidziwe chisanafike udindo uliwonse.

Kutsimikizira kusonkhanitsa komwe simunalandire. Kutsimikizira malipiro omwe sanachitike kumapanga udindo wanu mpaka ndalama yotsimikizidwa. Chisanafike chitsimikizo chilichonse, fufuzani nthawi zonse kawerengero kanu.

Kulipira mwini ufulu popanda malangizo operekedwa ndi pulogalamu. Malangizo athu a kulipira amafika kwa inu kokha kudzera mu pulogalamu, osati konse m'njira ina. Palibe malipiro omwe angachitidwe pa pempho la pakamwa, foni, uthenga, imelo kapena njira ina iliyonse, ngakhale udindo wotani womwe wotumiza akunena.

Ngati wina akufunse malipiro kunja kwa pulogalamu, ngakhale atadziwonetsa monga woyang'anira kapena wogwira ntchito wa Tarsamaya, ichi ndi kuyesa kwa chinyengo. Kanani ndipo tidziwitseni mwamsanga kudzera mu pulogalamu.

Kugwiritsa ntchito ndalama zosungidwa, ngakhale kwa nthawi yochepa. Ndalama zomwe muli nazo siziri zanu. Kuzitenga kwa masiku angapo, ngakhale ndi kubweza konse, ndi kuba.

Kuchita malipiro ku akaunti ya kunja. M'mkhalidwe uliwonse ayi, ngakhale chifukwa chotani chomwe chinenedwa.

Mkhalidwe wanu wa msonkho

Malipiro anu ndi anu m'ndalama zonse. Mumazisunga nokha kuchokera ku ndalama zomwe muli nazo: sitikukulipirani kanthu ndipo choncho sitichotsa kanthu pa izo. Ndi ndalama zolowa zomwe zimalipira msonkho m'dziko lanu, ndipo kuzinena ndi kuzilipira ndi udindo wanu.

M'maiko ambiri, ntchito yodziyimira pawokha imafuna nambala ya msonkho. Pamene uthenga umenewu ulipo pa dziko lanu, pulogalamu imaonetsa zomwe kulembetsa kukusintha kwa inu. Siyoonetsa chiwerengero chilichonse chomwe sitinafufuze: pamene palibe uthenga wotsimikizidwa, imanena zimenezo m'malo mwa kuonetsa ziro.

Mosiyana ndi zimenezo, malipiro omwe mumachita m'dzina lathu angakhale pansi pa kuchotsera. M'maiko ena lamulo likuika kuchotsera pa ndalama zomwe zimalipidwa kwa otumiza makasitomala kapena kwa othandizira mndandanda. Pa nthawi imeneyo pulogalamu imawerengera ndalama yoyera yoyenera kulipiridwa, ndipo ife timaonetsa mwatsatanetsatane njira yoyenera kutsatira. Simutenga udindo uliwonse wotere popanda ife kuufotokoza m'kalata ndi popanda inu kuuvomereza.

Malamulo amenewa amachokera ku lamulo la m'deralo ndipo amasintha mosadalira chifuniro chathu.

Sitili ndi mkhalidwe wa mlangizi wa msonkho. Chisanafike chigamulo chilichonse, pitani kwa wowerengera ndalama m'dziko lanu.

Njira ya kusankhidwa

Mumapereka pempho mu pulogalamu. Timaona mapempho omwe afika ndipo timasankha nthumwi imodzi pa dziko lililonse.

Ngati pempho lanu lisankhidwe, timafunsa zikalata ziwiri:

Chikalata chanu cha chizindikiro, chojambulidwa chathyathyathya, chowerengeka chonse.

Chithunzi cha inu nokha mutagwira chikalata chimenecho pa mlingo wa nkhope, kuti nkhope ndi chikalata zionekere zonse pa chithunzi chomwecho. Chikalata chachiwiri ichi chimatsimikizira kuti chikalata choperekedwa muli nacho nokha m'manja.

Zikalata izi zimasungidwa m'malo osungira otetezedwa ndipo sizifalitsidwa kapena kuperekedwa kwa aliyense. Zimawonongedwa ngati pempho lanu silifike ku kusankhidwa.

Ngati lifike, zimasungidwa pa nthawi ya ulamuliro, kenako pa nthawi yomwe lamulo la dziko lanu likuika pa kusunga zikalata za chitsimikizo. Pa mapeto a nthawi imeneyo zimawonongedwa.

Mumanena maakaunti anu olipirira. Timapita ku kuwafufuza.

Mumasaina mgwirizano womwe umagwira ntchito pa dziko lanu. Umaperekedwa kwa inu choyamba m'chinenero chomwe munasankha, ndipo simuyenera kusaina kope lililonse limene simukumva.

Lomwe lili lotsimikiza ndi kope lolembedwa m'chinenero chanu. Kope la Chingerezi limamangirizidwa, koma limagwira ntchito kokha pa zochitika zathu zamkati ndipo lingaikidwe kutsutsana ndi inu. Sitidzatchula konse pamaso pa woweruza mawu omwe simunawerenge m'chinenero chanu.

Kusankha kumeneku kunachitika mwadala. Mgwirizano uli pansi pa lamulo la dziko lanu ndipo mkangano uliwonse ndi wa makhoti anu: kukanakhala kosagwirizana, ndipo m'maiko ambiri kosaikika, kufunsa woweruza wa m'deralo kuti agamule pa mawu a chinenero cha kunja.

Ngati muwone kusiyana pakati pa makope awiri, tidziwitseni. Chomwe chidzakonzedwa ndi kutanthauzira kwathu, osati konse ufulu wanu.

Ulamuliro wanu umayamba kugwira ntchito pamene mgwirizano usainidwe. Ntchito yanu imayamba zoona pamene mlonda wa m'dziko lanu achite malipiro ake oyamba, ndipo palibe nthawi kapena kukula komwe kungatsimikizidwe.

Kutha kwa ulamuliro

Mungathe kuuthetsa nthawi iliyonse, ndi chidziwitso cha masiku makumi atatu ndipo mutatumiza zonse ndalama zomwe muli nazo.

Ifenso tingathe kuuthetsa, ndi chidziwitso chomwecho cha masiku makumi atatu.

Nthawi imeneyi ndi ya mbali zonse ziwiri. Imakuthandizani kumaliza malipiro omwe akupitiriza ndi kutumiza zomwe muli nazo; imatithandiza kusankha wolowa m'malo anu popanda utumiki kudulika m'dziko lanu.

Malipiro opezedwa ndi omwe sanalipiridwe akadali oyenera kwa inu ndipo amalipidwa mutakonza kawerengero, ngakhale mbali iti yayamba kuthetsa.

Ngati kukhala okonzeka kwanu sikunatsimikizidwe: pambuyo pa masiku 7 timakutumizirani chikumbutso. Pambuyo pa masiku 14 malipiro a m'dziko lanu amaima pa iwo okha. Pambuyo pa masiku 30 mapempho a kukusinthani amatsegulidwa.

Pamene pali kuswa kwakukulu, palibe chidziwitso chomwe chimagwira ntchito: ulamuliro umatha mwa lamulo ndipo mwamsanga, ndipo ife timachita zomwe lamulo la dziko lanu likuika.

Kuswa kwakukulu ndi makamaka:

• kuba ndalama zonse kapena gawo la ndalama zosungidwa m'dzina lathu
• kuzigwiritsa ntchito pa zolinga za munthu, ngakhale kwa nthawi yochepa ndipo ngakhale ndi kubweza konse
• kutsimikizira kusonkhanitsa komwe sikunachitike
• kulipira mwini ufulu popanda malangizo operekedwa ndi pulogalamu
• kukana kapena kunyalanyaza kutumiza ndalama zoyenera kutumizidwa, mutafunsidwa
• kulola munthu wina wopanda chilolezo kuchita ulamuliro, wonse kapena gawo
• kupereka zikalata zabodza kapena zitsimikizo zosati zoona
• kuwulula kwa munthu wina uthenga wachinsinsi umene ulamuliro ukukupatsani mwayi wolowa

Tanthauzo la ntchito yanu

Popanda nthumwi, amalonda ndi opereka utumiki a m'dziko lanu sangathe kufika pa Tarsamaya. Ndalama zomwe amalipira sizingatumizidwe mwachindunji kunja kwa dera lanu, ndipo ife sitingathe kutsegula akaunti ya banki m'dziko lililonse la padziko lapansi.

Simuli wapakati wina wowonjezera. Ndinu nokha chofunika cha kukhalapo kwa Tarsamaya m'dziko lanu.

Gawo la ndalama zimenezo limakhalanso m'mzinda wanu: 16 % ya zomwe ziri zathu, msonkho, ndalama zathu zogwiritsira ntchito ndi malipiro a nthumwi atalipidwa, imaperekedwa panopa kwa mabungwe a boma la m'deralo kumene malonda anachitika. Chiwerengero ichi chikuonetsa udindo umene tikufuna kusunga kwa nthawi yaitali; uli m'ndondomeko yathu ya kugawanso ndipo ungasinthe, popanda kukhudza malipiro anu m'njira iliyonse.