E wehe i ka panakō ma UK
He maʻalahi e like me ke kaomi, kūʻai a mālama. Ma ka hoʻohana ʻana i ka BCT Debit Card, hiki iā ʻoe ke loaʻa ke kālā ma nā kūʻai ʻana ma nā hale kūʻai punahele he nui, ma ka pūnaewele a ma ka hale kūʻai. He maʻalahi ke kākau inoa a hoʻomaka e loaʻa kālā.
"Ua aloha au iā BCT. ʻO kahi laʻana o ke kumu: Ua hana hewa mākou a waiho ʻole i nā kālā uku uku i kā mākou waihona ʻē aʻe. Ua kāhea mai ʻelua mau limahana BCT iaʻu e hōʻike iaʻu a kōkua iā mākou e hoʻololi koke i ke kālā i kā mākou waihona uku. ʻAʻole makemake kaʻu mau panakō. Ua hana mākou i ka uku uku a pale aku i kahi pōʻino no hoʻokahi kumu maʻalahi… mālama ʻo BCT.
Hiki i kā mākou calculators ke kōkua iā ʻoe e noho ma luna o kou ola kālā, e like me ka hoʻoholo ʻana i nā uku hōʻaiʻē pilikino i kēlā me kēia mahina, hiki ke hiki i ke kaʻa, inā e hoʻolimalima a kūʻai paha i hale, hoʻolimalima moraki, mālama kālā a me nā pahuhopu hoʻolimalima, e inoa i kekahi.
Helu moraki ma Sepania
ʻO nā uku panee e ʻike ʻia ma kēia pākaukau e pili ana i ka pakeneka kiʻekiʻe o nā noi. Pono ʻoe e noʻonoʻo e ʻokoʻa paha lākou ma muli o ka nui a, inā kūpono, ka manawa i noi ʻia.
ʻO kēlā me kēia kanaka ma luna o 18 mau makahiki a noho ma Sepania. ʻAʻole pono ka huina o ka makahiki o ka mea noi a me ka manawa o ka moraki ma mua o 80 makahiki. Hiki ke noi ʻia ma hope o kahi kaʻina hoʻopaʻa inoa maʻalahi a me ka pono ʻole e wehe i kahi moʻokāki.
ʻO nā lilo kūʻai hale: e komo pū me ka notary, hoʻopaʻa inoa a me ka hoʻokele waiwai, a me nā ʻauhau e pili ana i ke kūʻai: VAT inā he home hou a i ʻole ITP (ʻauhau hoʻoili waiwai) no kahi hale kūʻai hou. Hiki i kēia mau kumukūʻai ma waena o 10% a me 15% o ka waiwai o ka waiwai.
He wikiwiki a maʻalahi. Hiki iā ʻoe ke noi iā ia ma ka pūnaewele ma ka hoʻopiha ʻana i kāu mau kikoʻī a me ka hoʻouka ʻana i nā palapala, etc. Eia hou, e loaʻa iā ʻoe ke kōkua o kahi kākāʻōlelo pilikino i ke kaʻina hana, nāna e hōʻoia i ka holo pono o nā mea āpau.
ʻO ia ka ʻinikua e uhi i nā pōʻino e pilikia ai kou home, no ka laʻana: nā hopena lua o nā kaʻa pōkole uila, nā paipu haki, nā haki like ʻole, nā ulia home, nā pōʻino i hoʻokumu ʻia e ka lewa, ʻaihue, etc. Hoʻopili ia i ke kuleana kīwila i hana ʻia e ka pōʻino a i ʻole ka hōʻeha ʻana i nā poʻe ʻē aʻe a i kā lākou waiwai, e like me nā mea e hāʻule ana mai nā puka makani a i ʻole nā balconies, ka wai kahe ma nā papahele haʻahaʻa, etc.
Nā moraki ma Sepania
He 62 a ʻoi paha ʻoe a makemake ʻoe i nā pōmaikaʻi o kahi moʻokāki LifeGreen Checking, a me nā koho maʻalahi e kāpae i kāu uku moʻokāki mahina a me nā hiʻohiʻona bonus. E aʻo hou e pili ana i kā mākou moʻokāki LifeGreen
Kāleka ʻaiʻē Visa e loaʻa hou aku nā helu Relationship Rewards ma nā kūʻai kūpono 1 hiki ke kūʻai hou ʻia no 1% kālā, huakaʻi a i ʻole nā mea kūʻai aku, a e komo pū me Shopping Security, Price Protection, Lost Baggage Reimbursement, Visa Signature Concierge, Cancellation/ Trip Interruption and Road Dispatch. ʻIke hou aku
Loaʻa kēia mau kāleka uku hou ʻole no ke kūʻai ʻana i ka nui a hiki ke hoʻohana ʻia ma nā wahi āpau e ʻae ʻia ai ka debit Visa®. Hoʻohana nui ʻia kēia mau kāleka e uku a hoʻoikaika i nā limahana a kōkua i ka ʻōlelo "Mahalo iā ʻoe" maʻalahi a ʻoluʻolu. ʻIke hou aku
Heluhelu Euribor
E noʻonoʻo mau mākou i kahi noi i hoʻonohonoho ʻole ʻia a hana i ka uku inā hiki iā mākou. Hiki i nā overdraft i hoʻonohonoho ʻole ʻia ke alakaʻi i nā hana i hōʻole ʻia. Hōʻike mākou i ka hana moʻokāki, me ka hoʻohana overdraft, i nā keʻena kuhikuhi hōʻaiʻē. ʻO kahi overdraft i ʻoi aku ma mua o 30 mau lā hiki ke loaʻa ka hopena maikaʻi ʻole i kāu helu ʻaiʻē.
Inā hoʻopau ʻoe i ka overdraft, pono ʻoe e hoʻihoʻi i ka nui overdraft a me nā uku uku. Inā makemake ʻoe e hoʻohaʻahaʻa i kāu palena, pono ʻoe e hōʻoia mua i kāu hōʻaiʻē e kūpono i ka palena hou.
Ke wehe ʻoe i kāu moʻokāki, hiki iā ʻoe ke noi i kahi overdraft i hoʻonohonoho ʻia. ʻAʻole loaʻa ka ukupanee ka 25 euro mua. ʻO nā mea a pau āu e hōʻaiʻē ai ma luna o kēlā huina, akā i loko o kāu palena overdraft i hoʻonohonoho ʻia a i hoʻonohonoho ʻole ʻia, e loaʻa ka ukupanee ma 39,9% EAR (hoʻololi)4.
Loaʻa iā mākou kekahi mau mea hana e kōkua iā ʻoe e pale i ka hele ʻana ma luna o kāu palena overdraft i ʻae ʻia. ʻOiai ʻoe i hāʻawi mai iā mākou i kāu helu kelepona paʻalima, e hoʻouna mākou iā ʻoe i kahi leka uila inā e alakaʻi ana kahi uku i kahi overdraft i hoʻonohonoho ʻole ʻia. E hoʻouna pū mākou iā ʻoe i kahi leka uila inā ʻaʻole lawa ke kālā i loaʻa i kāu moʻokāki e uku ai.
