Nkhani yabwino kwambiri yolipira

Nkhani yabwino kwambiri yolipira

Pakubwera chaka chatsopano, zolemba zapamwamba kwambiri za malipirowo zawonetsedwanso ndipo, monga tawonera zaka zapitazo, kamodzinso amatsogozedwa ndi Akaunti yolipira ndalama kubanki.

Maakaunti abwino kwambiri olipira a 2017

Akauntiyi imapereka, monga chaka chilichonse, njira yabwino kwambiri yoperekera kumakomisheni 0 ndipo ili ndi chiwongola dzanja cha 5%, chomwe chimachitika mchaka choyamba.

Amacheka mpikisano wabwino

Komabe, m'masiku angapo apitawa, ambiri nkhani zolipira ayamba kudula chiwongola dzanja chomwe amapatsa makasitomala awo kuchuluka kwa ndalama zomwe makasitomala amakhala nazo mumaakaunti awo. Maakaunti ena omwe ayamba kudula chiwongola dzanja ndiakaunti imodzi komanso akaunti yaufulu (zonse ziwiri za Banki ya Mediolanum) ndi Akaunti yamaakaunti angapo ya La Caixa.

Chifukwa cha chithu Mutha kuwona kubwerera m'mbuyo chifukwa achotsa mphatso zomwe adapatsa makasitomala awo, monga chibangili cholimbitsa thupi; komabe amasunga kulembetsa komwe mumapereka kwa ogwiritsa ntchito miyezi itatu ya netflix kwaulere.

Mabungwe ndi malipiro ochepa

Mkati mwa mabungwe ndi malipiro ochepa zomwe zimafunikira pa akauntiyi kapena ngakhale kukhazikika ndi akauntiyi, ndi zinthu zofunika kuziwerenga muakaunti zonse, popeza yasintha pafupifupi 50% mumaakaunti onse olipira.

Njira zabwino kwambiri

Mkati mwa zosankha zabwino kwambiri, kuphatikizapo Bankinter, El banco wotchuka ndi Cajamar Ndizabwino kwambiri, zopindulitsa kwambiri pamaakaunti olipira omwe angapezeke pamsika. Kuphatikiza apo, kuphatikiza kwa atatuwa kumatha kupereka mphotho yayikulu kwambiri komanso kusapezeka kwamakomisheni.
Malipiro apakhomo, zopereka zomwezo

Ngakhale zimasintha chaka chilichonse, chaka chino mabungwe ambiri akwanitsa kusungabe zopereka zawo kwa makasitomala onse omwe anali kale ndi malipiro awo.

Nkhani m'masiku apitawa

Nkhani yabwino kwambiri yolipira

Ngakhale ndizosintha zochepa zomwe zapangidwa masiku ano, zofunikira kwambiri zakhala zikupezeka mitundu iwiri ya akaunti: iwo omwe amapereka chiwongola dzanja cha% posinthana ndi ndalama zomwe amakasitomala awo amasunga ndi omwe amapereka mphatso kwa makasitomala awo kuti akasungire ndalama zomwe akuti zasungidwa.

Yoyamba mwa akauntiyi yayamba kuchepetsa kulipidwa komwe amapereka. Akaunti imodzi ndi akaunti yaufulu atsitsa% mpaka 1,75%, yomwe ndi dontho lalikulu ngati tingayerekezere ndi yapita, yomwe inali 2,5%. Kumbali inayi, maakaunti angapo omwe amapezeka ku la Caixa salipiranso makasitomala ake, chifukwa chake ndi malonda omwe ali ndi 0% TIN.

ndi maakaunti olipira mphatso, mwachitsanzo akaunti ya imaginabank yasintha zomwe ikupereka ndipo yachotsa mphatso kwa makasitomala ake. Komabe, ikupitilizabe kupereka imodzi mwazi: miyezi 3 yolumikizira Netflix.

Ngati mukuganiza zosankha akaunti yolipira ya 2017 koma simukudziwa kuti ndi iti, tikupatsani mndandanda wa maakaunti abwino kwambiri olipira kuti, mutha kusankha yomwe ikugwirizana ndi zosowa zanu.

Ndalama zolipira

Nkhani yabwino kwambiri yolipira

Bankinter

Zabwino zonse popanda kukayika, ndipo monga zidachitikira zaka zapitazo, ndi Bankinter. Akaunti yolipirira ili 0% mu ma komishoni, zomwe zimapangitsa kukhala kosangalatsa kwa ogwiritsa ntchito. Ilinso ndi 5% APR chaka choyamba, kutsikira ku 2% yachiwiri.

Kuti mupeze akauntiyi, ndalama zochepa Zomwe muyenera kulipira ndi ma 5.000 euros ndipo mutha kupeza a kirediti kadi yaulere. Makasitomala omwe ali ndi khadi iyi amatha kupeza ma ATM opitilira 8.000 padziko lonse lapansi.

Tiwerengereni inu ndi ine. Maakaunti anu ndi ine ndi maakaunti abwino kwa anthu omwe akufuna kulipira theka la ndalama zomwe adawononga. Kuphatikiza apo, imapatsa onse awiri khadi kuti athe kuyendetsa kayendedwe kalikonse popanda vuto.

Banki Yotchuka

La akaunti yotchuka yakulipira kubanki imapereka makasitomala ake a 24 HD inchi Samsung HD TV.

Akaunti yolipira ku Cajamar

Mu Akaunti yolipira ku Cajamar mupeza gawo lokhazikika lomwe mudzakhale ndi ndalama zonse.

Akaunti yamtunduwu imatha kubwerekedwa kuyambira miyezi 6 mpaka 24 ndipo itha kulipidwa ndi chiwongola dzanja mosiyanasiyana, kuyambira mwezi uliwonse mpaka akaunti itatha.

Zomwe zimafunikira pa akauntiyi ndi ma 3.000 euros ndipo chiwongola dzanja chimakhazikitsidwa. Mumtunduwu wa akaunti, kuimitsa akaunti koyambirira kapena pang'ono ndikololedwa.

Ndi akaunti popanda chiwopsezo chazachuma komanso kusungika bwino.

Akaunti yolipira mediolanum

Chifukwa cha izi akaunti yolipira mutha kukhala ndi ma zero zero, kuphatikiza pakupeza makhadi aulere komanso kupeza zinthu zosiyanasiyana za kampaniyo kungokhala kasitomala.

Anthu omwe asankha kukhala ndi akauntiyi ali ndi mwayi wambiri woyang'anira ndi kukonza akauntiyo, mwanjira yogwirizana ndi anthu. Malo osungira ndalama muma yuro ndikupereka ma cheke aku banki.

Akaunti yolipira ya Openbank

Nkhani yabwino kwambiri yolipira

Ndi akaunti imodzi yomwe imapereka 0% pachilichonse. Ndiye kuti, mayuro 0 otsegulira akauntiyi, 0 mayuro posunga akauntiyo ndi 0 mayuro kuti atseke. Kuphatikiza apo, anthu omwe ali ndi izi akaunti yolipira, perekani mpaka 1% kubweza ngongole zonse zazikulu zapakhomo.

Kuphatikiza apo, izi akaunti yolipira Zimakupatsani mwayi wopititsa patsogolo malipiro anu ndi ngongole yomwe mudapatsidwa kale. Izi zikuyenera kuvomerezedwa ndi banki.

Kudzikonda Bank

Este mtundu wa akaunti yakubanki Alibe ndalama zotsegulira ndipo sangapereke ndalama zakuchotsera kapena zokhazikika. Kuphatikiza apo, kirediti kadi yapakale kapena yagolide itha kupemphedwa, komabe, khadiyo iyenera kuvomerezedwa ndi bungwe.

Maakaunti omwe ali ndi ma ATM opitilira 9.500 momwe mungayang'anire ndi khadi yanu ndikuwongolera ndalama zanu.

Kuphatikiza apo, ngati mulibe malipiro kapena simungathe kusintha, muyenera kungopanga ndalama mwezi uliwonse ku akauntiyi kuti mukhale malipiro anu ndikupitiliza kupindula ndi maubwino onse.

Akaunti ya Payroll mediolanum akaunti imodzi

Akaunti yomwe imakupatsirani chiwongola dzanja chachikulu, ndi Commission, komanso kukonza komwe kumatha kukhala kwaulere, kutengera zomwe banki yasankha. Amatchulidwa akaunti imodzi, chifukwa ndi akaunti ya mtengo wa 0 yokhala ndi malamulo osinthika omwe amakonzedwa kwa kasitomala aliyense.

Kuphatikiza apo, imapereka mwayi wotsegulira akaunti yachiwiri popanda ma komiti, kuwonjezera pa makhadi aulere.

Akaunti ya ufulu mediolanum

Akaunti yomwe ikupatsirani ma komiti apamwamba pamtengo wotsika. Iyi ndi akaunti ya anthu omwe akufuna kukhala omasuka mwa iwo kasamalidwe ka akaunti.

Kuphatikiza apo, zimakupatsani mwayi woti mutsegule akaunti yachiwiri kwaulere komanso kukhala nayo makadi apadera. Zilinso nazo Bizum, ntchito yomwe imakupatsani mwayi wolipira kudzera pafoni yanu. Kuphatikiza apo, kukhala gawo la mediolanum world, muli ndi zabwino zomwe makasitomala onse amatha kuzipeza.

Akaunti ya Payroll Akaunti ya Cajamar 360

Nkhani yabwino kwambiri yolipira

Akaunti yokhala ndi maubwino odziwika, popeza imapereka 3% TIN yokhala ndi 3.000 mpaka 12.000 euros. Mulinso ndi kirediti kadi popanda mtengo uliwonse kapena kukonza.

Akaunti yamalipiro yotchuka ndi akaunti ya bonasi

La akaunti yotchuka ya bonasi, imapereka phindu lochulukirapo pazandalama zanu ndi 0.75% APR. Kuphatikiza apo, kukhazikitsidwa kwa akauntiyi kumachitika pakatha akauntiyo. Nthawi ya akauntiyi ndi miyezi 13 ndipo kuchotsedwa koyambirira kumatha kuchitika ngati kasitomala apempha.

Imaperekanso makasitomala ake makhadi onse omwe tili nawo pulani. Makhadi awa sadzaimira ndalama za komiti kapena zolipira; Dongosololi limatchedwa dongosolo la 0. Dongosololi limapatsa makasitomala kuchotsera kofunikira kwambiri komanso njira zosiyanasiyana zopumira zomwe zimagwirizana ndi kasitomala aliyense.

Akaunti ya Mediterranean BMN

Ngakhale Akaunti ya BMN Ili ndi mndandanda wautali wazofunikira kuti ukhale kasitomala, ndizowona kuti maubwino nawonso ndi okwera kwambiri.
Zofunikira ndi izi: khalani ndi ma risiti osachepera awiri, ndikuwonongerani ma 900 euros pogula kapena kugwira ntchito kotala iliyonse. Muyeneranso kutenga inshuwaransi ndi mtengo wa 150 euros pachaka ndikuti ndalama zomwe zimaperekedwa kotala pachaka zimaposa ma euro 10.000 pachaka.

Monga mukuwonera, mndandanda wa maakaunti abwino kwambiri olipira Sili yotakata kwambiri, koma imapereka njira zingapo, zosinthidwa ndi mitundu yosiyanasiyana ya makasitomala.

Kumbukirani kuti ngakhale akuwoneka ngati osavuta kubanki, muyenera kuwonera mfundo zina mumaakaunti onse olipira kuti mupewe zodabwitsa zina.

Zina mwa mfundo zomwe muyenera kuziganizira musanasankhe akaunti yolipira kapena zina ndi izi: mabungwe omwe amakupatsani ndikusankha omwe nthawi zambiri amapereka 0 Commission. Pulogalamu ya malipiro ochepa zomwe aliyense wa nkhani zolipira. Kukhazikika, komwe kumatha kukhala mpaka miyezi 48 posinthana mphatso.

Pomaliza, kulumikiza kuyenera kuganiziridwa. Mabanki ambiri amangopempha kuti malipiro azilumikizidwa pa akauntiyi, komabe, ena amayesa kupanga kugula kwa zinthu zina monga ma kirediti kadi kapena inshuwaransi yamtundu uliwonse.


Zomwe zili m'nkhaniyi zikutsatira mfundo zathu za malamulo okonzekera. Kuti mufotokoze cholakwika dinani Apa.

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