It is not advisable to "transfer the money away" as soon as the salary is paid, why do bank people say so
Nowadays, as the financial system becomes more and more developed, more and more people can't wait to transfer money or spend as soon as they get their salary.
Many young people are stowaways who spend their wages as soon as they arrive, often with only a few cents in their accounts. But what's the problem? Why not advocate as soon as you get paid"Transfers"What about the practice? A bank clerk reveals why.
i.Banks protect the security of assets.
Depositing money into a bank card can effectively protect the security of your property, and in recent years, online scams have emerged one after another. Fraud gangs often steal money from users' Alipay, but to deposit money into a bank card, you must go through a series of necessary procedures, and it is inconvenient to transfer money, so it is safer to deposit in a bank.
Whether it is a current account or a fixed deposit, you can earn a certain amount of interest. Many professionals in the financial industry make their money on interest. For example, a fixed deposit of 30,000 yuan can earn thousands of euros in interest, which shows the potential to make money through interest. Both financial professionals and ordinary people can earn interest on bank deposits, which is one of the reasons why people are willing to choose bank deposits.
Depositing money in the bank is also a support for the bank, which is beneficial to the bank's property management, and the user can get interest returns. The user's deposit also promotes the operation and development of the bank, forming a mutually beneficial relationship.
With the development of the economy and the advent of the 5G era, all areas of society are constantly evolving. Consumption concepts and methods are also diversifying, and the demand for money is also increasing. It is unwise to consume without saving, especially in the era of prices, young people need to learn to manage their finances and plan their finances reasonably.
ii.Loans are not easy.
Many young people start to think about buying a car or a house as soon as they have a job and a stable income. However, it is not easy to buy a house now, because the housing prices in the city are so high that some people even have to spend their life savings. As a result, many young people choose to take out a loan to buy a house. Loans have become so common that many workers almost have a home or car loan.
However, loans are not easy or trivial and must be obtained through formal channels. Applying for a loan through formal channels requires a series of procedures, including checking the user's credit statement and bank card. The importance of credit is well known, and banks don't trust bad credit easily. So, why should you check your current account statement?
The purpose of checking a bank card statement is to ensure that the user can afford to repay the loan and has a regular monthly income. If the salary is transferred to a third-party payment platform immediately after being deposited into the bank card, this will affect the approval of the loan. Bank card statement records are key to the success of a loan.
3. Fund management tools.
Money management is a must in life. As the saying goes:"I don't know how to manage money, and I will be poor all my life"Everyone has to learn how to manage money. Everyone has to learn to manage money, first of all, don't spend money indiscriminately, and spend it where it should be spent. Reduce some unnecessary expenses, and the money saved can be multiplied and accumulated so that you can have the capital to manage your finances better.
With a certain amount of capital reserves, you can better resist various life risks such as illness and accidents, and you will have more money to buy a car and a house. Life is not poor when you eat and spend, but poor when you plan. So, you need to plan your income well.
Once you receive your salary, you can accumulate a large amount of money if you plan carefully. Slowly accumulate, and over time, the deposit on the bank card becomes quite substantial. At this time, you can choose to make a current or fixed deposit, or buy high-interest wealth management products from the bank, so as to develop good financial habits.
If we withdraw money or transfer money to another financial institution immediately, it is equivalent to spending or repaying the credit card in advance. And the real world is full of too many uncertainties. If you lose your job or lose your job in the future, facing unpredictable risks will be a fatal blow for you.
4. Debt repayment. At present, a large number of young people have to fill the hole in the past as soon as they get their wages due to excessive consumption. According to the survey, the "Report on the Debt Status of China's Youth" shows that the post-90s youth are the absolute pillar of debt, with an average debt of about 1270,000 yuan. In the face of money, these young people are often crazy, do not have enough money to buy what they want, and can only use the next month's money in advance.
Some underground workers pay off the previous month's loan as soon as they get their paycheck, and then borrow a new loan to get through the month. Not only does this practice make it difficult for them to save, but it also traps them in a vicious cycle of borrowing to repay their loans.
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