Akabhadharwa maakaunzi chigadzirwa chebhangi chine chinangwa chikuru ndechekusimudzira kuchengetedza pakati pevatengi. Iyo modhi yakaiswa muchikamu kwenguva yakareba uye iyo inogamuchirwa senge zano kuti vagone shanda nesangano rako rezvemari. Zvinenge mese mune chigadzirwa chine hunhu uhwu, kunyangwe zvichipa kuzivikanwa kwayo. Maakaunzi akabhadharwa aripo kuBBVA, Banco Sabadell, Santander, Caixabank, Evobank uye runyorwa rurefu rwezvikwereti zvikwereti zvinopa fomati iyi yekuchengetedza.
Chimwe chezvinangwa zveakabhadharwa maakaunzi ndechekuti vashandisi vanogona kuwana diki diki pane yavo yekuchengetedza. Saka izvo zvishoma nezvishoma yako capital inowedzera kubva pane izvi chigadzirwa chebhangi. Nekudaro, kuita kwavo parizvino kuri padanho repasi mumakore apfuura. Nekuda kwemutemo wekudzikisa mutengo wemari wakaitwa neEuropean Central Bank (ECB) kubuda mumatambudziko ehupfumi akagadzirwa muna 2017. Kusvika padanho rekuti mutengo wemari nhasi haukoshe zvachose. Sezvinei, iri pa 0% Nekuda kweizvozvo, kukwezva kwemaakaunzi akabhadharwa kwakadzikira zvakanyanya mumakore apfuura.
Maakaundi anobhadharwa haapi izvo zvinopfuura 0,1% nekuda kweiri zano remari. Iko chete maakaundi anobhadhara zvakanyanya ari kugona kupfuura aya akaderera mazinga. Kunyangwe mukutsinhana nekuzadzisa a seti yemamiriro, sezvo iwe uchizokwanisa kuona pazasi. Chero zvazvingaitika, ivo havana kusvika pamatanho emakore ekutanga ezana rino umo iwe waigona kunyatsogadzirisa account yekuchengetedza ine huwandu hwechikwereti pamusoro pe1%. Kana kunyangwe kubva kune anozivikanwa makuru maakaunzi ayo anogadzira yakanakisa kudzoka pane mushandisi kuchengetedza
Maakaunzi: iwe unopa zvakadii?
Ehezve, akabhadharwa maakaunzi haachaumbike sechiridzwa chekuwedzera kuchengetedza. Kana zvisiri, pane kudaro, imotokari yemubhengi iyo inoshanda kuchengetedza hukama neabhangi redu. Kubva kwaunogona dzimba dzekugara dzimba (gasi, magetsi, mvura, nezvimwewo), chinja kana kungo gamuchira yako yekubhadhara. Kune rimwe divi, kubva kune iyi mhando yeakaundi account iwe unozokwanisa kondirakiti imwe yakateedzana yezvibhengi zvigadzirwa, kunyangwe mahara. Kubva kuchinyakare kiredhiti kana makadhi ekubhadharira kune yakatarwa-temu dhipoziti kana akasiyana masevhisi zvirongwa
Akabhadharwa maakaunzi parizvino a yakakosha kubhengi chigadzirwa, asi izvo hazvisi zvinokuunzira chero mhando yekufarira. Zvirinani kusvika parizvino mutemo wezvemari uchiteverwa nemutemo wekuEuropean. Asi kunyangwe zvakadaro, akabhadharwa maakaunzi haana yunifomu asi iwe unogona kusarudza pakati pemhando dzakasiyana dzinosangana neprofile yako semushandisi webhangi. Hazvishamise kuti uyu ndiwo mumwe wemipiro mikuru iyo yakabhadharwa maakaunzi anga achivandudza kweanove makore. Beyond masevhisi kana mabhenefiti ayo anokupa iwe chero nguva.
Maakaundi anobhadhara zvakanyanya
Ndiyo yakanyanya kunaka fomati yekuchengetedza yezvaunofarira sebhengi mutengi. Pakati pezvimwe zvikonzero nekuti ndicho chigadzirwa chinokupa chinonyanya kufarira panguva ino. Kuita kwako kunogona simuka kusvika 1%, asi kutevedzera nhevedzano yezvakakosha zvinodiwa. Chimwe chezvinyanyozivikanwa ndechekuti iwe unenge usina imwe sarudzo kunze kwekungotungamira muhoro wako, pension kana mari yaunogara kuti uvandudze purofiti yako. Mune zvimwe zviitiko, ivo vanotoda kuti iwe ubatanidze mamwe marisiti epamba kana kutotenga inishuwarenzi. Dzinonzi maaccount emubhadharo wakakwira dzinoenderana nezano iri.
Iko kupihwa kwazvino kwemaakaundi aya neakanyanya hunhu kwakadzikira mumakore apfuura. Kusvika padanho rekuve neakatsanangurwa chaiwo mabhengi zvirevo. Kwavanogonawo kumisikidza a Minimum balance mune izvo zvichave zvichinyanya kuda. Kune rimwe divi, kubatanidzwa kwevatengi kunowanikwawo mukushambadzira kwako. Kuburikidza nekubvumirana kwezvimwe zvigadzirwa zvebhangi (mari yekudyara, zvirongwa zvepenjeni kana inishuwarenzi). Zvakanaka, apo iwe paunobatana zvakanyanya nebhangi rako remazuva ese, kufarira kunogadzirwa nerudzi urwu rweakaundi kuchawedzera.
Kufarira pazasi inflation
Hunhu hweanobhadharwa maakaunzi ndeyekuti iwo haatenderi iwe kuti udzore iyo kuwedzera kwemutengo. Nekuti ivo vari pazasi pemutengo wehupenyu. Mupfungwa iyi, zvinofanirwa kuyeukwa kuti Mutengo weVatengi Index (CPI) yakawedzera ne0,1% munaKurume kana ichienzaniswa nemwedzi wapfuura uye yatosvika padanho repamusoro kubva muna Mbudzi apfuura, iine 1,2, sekureva kweazvino dhata yakapihwa neNational Institute of Statistics (INE). Izvi mukuita zvinoreva kuti maakaundi akabhadharwa haabatsiri kubva pane chero maonero. Hazvishamisi kuti urikurasikirwa nemari mwedzi nemwedzi nekuda kweiyi mari.
Kana izvo zvaunoda chaizvo kuri kugadzirisa yako equity balance, zvichave zvirinani kana iwe ukatendeukira kune chimwe chigadzirwa chebhangi icho chiri kubatsira zvikuru panguva ino. Kunyangwe iwe uchifanira kutora njodzi hombe mukuratidzwa kwemipiro yako yezvemari. Asi kubva kumaakaunzi akabhadharwa haugone kuzadzisa ichi chinangwa. Kune chiyero che50.000 euros iwe unongova nemubairo mudiki we pakati pemakumi maviri nemakumi mashanu euros. Kusvika padanho rekuti iwe unonetseka kana zvichinyatso kukosha kunyorera kune ichi chigadzirwa chakanangana nekuchengetedza. Kana iwe unoda imwe kirasi yemabhangi mota kuti ugutse ichi chikumbiro icho vese veSpain saver vanazvo.
Ivo vari nyore kuhaya
Zvisinei nezvose, aya marudzi emaakaundi anovada iwo ayo ari nyore kwazvo kugadzirisa uye haadi ruzivo rwakadzama nezvawo. With mafomu akasiyanasiyana zvinoenderana nehuwandu hwevashandisi vaunopa nguva dzese. Maakaundi evadzidzi, vanozvishandira, avo vari pamudyandigere kana vevashandi vehurumende ndiwo mamwe akakosha ane mabhanga parizvino. Unogona kuvanyorera kubva kune imwechete euro uye yavo purofiti inotanga kuverenga kubva pakutanga. Kunyangwe sekutaura kwatatakuudza iwe muchinyorwa chino ine huwandu hwechido pazasi pezvakaitika zvekare.
Kazhinji usapinza makomisheni kana zvimwe zvinoshandiswa mukutarisira kana kuchengetedza. Nezvo izvo hazvizokubhadhare iwe chinhu chekuhaya uye iwe unogona zvakare kuwana kiredhiti kana makadhi ekubhengi mahara. Kune rimwe divi, maakaundi akabhadharwa haana chero nguva yekugara zvachose. Kana zvisiri, pane kudaro, unogona kuvadzima panguva yaunofunga kuti yakakodzera. Iri zano rinowanzo gara rakapihwa huwandu hwakawanda hwezvikumbiro izvo zvikoro zvechikwereti zvave kusimukira. Iko zvakajairika kuenda kubva kune imwe yakabhadharwa account kuenda kune imwe mune pfupi nzvimbo yenguva.
Ngozi yekuve mutsvuku
Chero zvazvingaitika, maakaunzi akabhadharwa ane njodzi uye ndiko kuti ungangodarika. Nekuti zvazviri, iyi mamiriro achaunza zvirango zvakakomba zvinogona kukuvadza zvaunofarira. Mupfungwa iyi, iwo matsvuku manhamba mune yazvino account muyero anogona kukutungamira iwe kubhadhara mari yakawanda kupfuura pakutanga zvaifungwa. Nekuti haugone kukanganwa kuti kugara mutsvuku kunogona kukubhadhara zvakanyanya. Iko kupi kwekuwedzererwa kwema euro mashoma chete kwemazuva mashoma iwe unogona kupedzisira waenda kwemadhora anodarika makumi mashanu. Iko kune nyore kwazvo kunzwisisa chikonzero icho chinoitsanangura: makomisheni akakwirira kupfuura zvido.
Chero zvazvingaitika, maakaunzi akabhadharwa anokupa iwe nzira yekudzivirira aya mamiriro asingafadzi. Semuenzaniso, kuburikidza ne kunanga kubhengi yemubhadharo wako. Zvimwe zvinhu zvinokutendera iwe kuti uve ne overdraft yehuwandu hwehuwandu hwemari yako yaunowana. Nenzira iyi, haufanire kubhadhara chero komisheni kana ukapfuura aya mazwi mune yako yekutarisa account balance. Bankinter, kuburikidza neayo Payroll Account, inoita kuti iwe usarudze iyi mhinduro kumatambudziko ako. Kunyangwe iine imwe nzira yekuhaya yakatarwa-temu dhipoziti ine purofiti inosvika ku5%.
Chero zvazvingaitika, zviri nyore kwazvo kuti account yakabhadharwa inyore nekuti imotokari yekubhangi kuwana mamwe marudzi ezvigadzirwa zvemari. Uye kana ukasangana nemamiriro echibvumirano, pasina chikonzero chekuti iwe uve nemari inobviswa kubva zvino zvichienda mberi. Nerubatsiro rukuru urwo iwe une yakafara kupa mukirasi ino yezvigadzirwa zvebhengi. Sezvo kune rimwe divi, zvinoitika kwauri mune mamwe mamodheru anopiwa nemasangano emari.
Nekuti kupedzisa, haugone kushanda mazuva ano usina account yeaya maitiro. Iwe unozogona kubuda kunze kweanopfuura dambudziko uye ivo vachakutomhan'ara kwauri kubva kune mamwe masaiti kuti uite kubhadhara kana kuita kwechikwereti. Semuenzaniso, kugadzirisa zvirevo zvinotevera zvemari kana kupihwa rubatsiro rwekusashanda, pakati pemamwe mabasa akakosha. Chero zvazvingaitika, kana paine chakakosha chigadzirwa, izvo zviri pachena kuti akabhadharwa maakaundi. Kunyangwe zvodii hazvizobhadhare iwe maeuro mazhinji seavhareji chimbadzo. Zvirinani mune dzino nguva matiri kurarama.