Tare da ci gaban fasahar bayanai, sabis na banki da sarrafa kan layi sun zama tsarin yanayin kuɗi tare da babban aiki. Daidai saboda wannan dalili, jeri mai zuwa yana nufin yin nazarin asusun kan layi don tantance wanene mafi kyawun 2022.
yadda asusun ke aiki online?
A yau, ayyukan banki sun fi dacewa da samun dama fiye da kowane lokaci: godiya ga ci gaban fasahar sadarwa da ci gaban sadarwa maras jiyya, Bankunan banki yana ba da damar sarrafa kansa ta hanyar dandamali da aikace-aikacen wayar hannu waɗanda bada garantin samun dama ga asusun sirri nan da nan.
A wannan ma'anar, da takardar kudi online suna aiki daidai da asusu gargajiya, ko da yake tare da wasu halaye da suke nasu: samun damar kai tsaye, saurin ma'amaloli, rahotannin dawo da jari, aikace-aikacen sabis na kuɗi kamar lamuni, ƙididdigewa da inshora.
ma, la sarrafa kansa na ayyuka yana rage farashin gudanarwa, ga abin da kuke sun fi rahusa ga abokan ciniki: rashin kwamitocin, kuɗaɗen gudanarwa da ƙayyadaddun ƙima. Haƙiƙa, akwai asusun ajiyar kuɗi waɗanda har ma suna bayar da koma baya dangane da amfani da su ko bayar da katunan ba tare da tsada ba.
ranking na ƙidaya online na yanzu
Jeri mai zuwa yana dawo da mafi kyawun asusu online ya danganta da nau'in asusun online wanda yake, alfanun sa da aikin sa. Daban-daban nau'ikan asusun da aka gabatar a ƙasa sun haɗa da fasali da fa'idodi. Saboda haka, waɗannan ba ƙayyadaddun nau'ikan ba ne, amma An tsara su bisa ga waɗanne halaye suka fi rinjaye a kowane ɗayan. daga gare su - misali, riba ko farashi.
Lissafi ba tare da kwamitocin ba
Da farko, akwai irin waɗannan nau'ikan takardar kudi online babu kwamitoci ko farashin kulawa. Ana amfani da waɗannan nau'ikan asusu don aiwatar da ayyukan banki mafi yawan gaske kyauta, A karkashin wasu yanayi: ajiya kai tsaye lissafin albashi, kula da ma'auni a cikin asusun, yin adadin adibas na wata-wata, da sauransu.
Ana iya samun waɗannan nau'ikan yanayi masu rahusa da fa'idodi a cikin wasu nau'ikan asusu - biyan kuɗi, ramuwa, ajiyar kuɗi - duk da haka, abin da ke nuna wannan nau'in asusun shine. bukatu sun yi ƙasa da ƙasa sabili da haka mafi dacewa don gudanarwa na sirri. Tsakanin nasa babban amfani ana iya ambaton:
- Rashin kwamitocin, kudaden kulawa da tsayayyen farashi
- katin zare kudi na kyauta
- canja wuri kyauta
- Baya buƙatar biyan kuɗi
- mallaki biyu
A daya bangaren, tsakanin babban rashin amfani ana iya ambaton:
- Ba ku da katin kiredit kyauta
- Canjin kuɗi yana da tsada
Lissafin albashi
Irin wannan asusun online An siffanta su da bayarwa fa'idodi daban-daban idan har aka yi la'akari da biyan kuɗi kai tsaye tare da mahallin. Fa'idodin da aka bayar zai dogara ne akan mahaɗan da ke sarrafa asusun, amma gabaɗaya waɗannan sun dace a kowane yanayi.
Tare da waɗannan nau'ikan asusun online abokan ciniki suna da yuwuwar yin zaɓe kai tsaye daga lissafin albashin su kuma yi amfani da shi bisa ga ra'ayin ku kuma ba tare da iyakancewa ba. Bankin, a nasa bangare, yana fahimtar samun isasshen ajiya kuma, don haka, mafi kyawun aikin kuɗi. Shi ya sa suke bayarwa amfani a matsayin kyautai, kari ko riba. Na su babban amfani Su ne:
- Rashin kwamitocin, kudaden kulawa da tsayayyen farashi
- katin zare kudi na kyauta
- canja wuri kyauta
- € 100 don biyan kuɗi kai tsaye ga albashi
- mallaki biyu
- babu sha'awa
A gefe guda, wannan asusun kan layi yana da asara:
- Dole ne mutum ya kasance tsakanin shekaru 18 zuwa 31
asusun riba
Kudaden online Ayyukan da aka biya wani nau'in sabis ne wanda babban halayensa shine suna ba da izini sami riba akan aikin ku. Lalle ne, sun bayar da a samun kudin shiga a cikin sigar sha'awa, dangane da adibas sanya: abokin ciniki kawai kiyaye ma'auni na yau da kullun a cikin asusun ku.
Wannan, duk da haka, baya hana abokin ciniki zubar da kudinsa nan da nan kuma babu hane-hane - mutunta yanayin da aka kafa a baya tare da mahallin-. Yawancin lokaci waɗannan asusun ne. online que sun yi kama da asusun biyan kuɗi. Tsakanin nasa babban amfani ana iya ambaton:
- Rashin kwamitocin, kudaden kulawa da tsayayyen farashi
- katin bashi kyauta
- canja wuri kyauta
- Har zuwa € 340 na shekaru biyu na farko
- Har zuwa 5% APR na shekara ta farko
- Har zuwa 2% APR a shekara ta biyu
Daga cikinsu disadvantages An ambaci:
- Ba shi da katin zare kudi na kyauta
Asusu na yanzu
asusun na yanzu Yana daya daga cikin mafi yawan al'ada a fannin.. Yana da asusun kan layi wanda ke ba da damar sarrafa yau da kullun ba tare da buƙatar kowane nau'in hanyar haɗi tare da mahallin ko banki ba. A wannan ma'anar, ana iya aiwatar da duk ayyukan gargajiya ba tare da ɗauri yanayi ba.
Waɗannan suna kama da asusun ajiyar kuɗi na hukumar, kodayake suna buƙatar ƙarancin buƙatu: ba tare da amfani ba, ajiya, sarrafawa ko adadin canja wurin kowane wata. Duk da haka, idan suna da wasu buƙatun daukar ma'aikata waɗanda ƙila su zama na musamman. Tsakanin nasa abubuwan amfani ana iya ambaton:
- Rashin kwamitocin, kudaden kulawa da tsayayyen farashi
- katin zare kudi na kyauta
- canja wuri kyauta
- Biyan kuɗi daga app wayar hannu
- Ana aiwatarwa 100% online
A gefe guda, idan kuna da wasu disadvantages:
- Baya bayar da katin kiredit kyauta
- Akwai kawai ga sababbin abokan ciniki
Asusun ajiya
A ƙarshe, asusun online na tanadi kayan aikin banki ne wanda babban manufarsa shine ceto. Haɗin ne na asusun biyan kuɗi da asusun da aka biya, gwargwadon yadda tanadi yana samar da matsakaicin dawowa tare da kiyaye ma'auni a cikin asusun.
Koyaya, sabanin asusun biyan kuɗi, baya buƙatar buƙatu da yawa. Sabili da haka, an rage yawan riba, amma kuma adadin kuɗin da ake bukata don ɗaukarsa. Irin wannan asusun baya yarda nemi sabis na kuɗi kamar yadda ci gaba ko lamuni, tunda manufarsa tanadi. Tsakanin nasa main abubuwan amfani ana iya ambaton:
- Rashin kwamitocin, kudaden kulawa da tsayayyen farashi
- canja wuri kyauta
- Cire kudi a ATM kyauta