Kune akawanda maakaundi azvino anotengeswa nemabhangi, asi pakati pawo imwe yeakanyanya kugadziridza ndeaya anodzosera chikamu chemakadhi emhuri akabatanidzwa. Pakati pavo idzo dze gasi, chiedza, mvura kana mamwe masevhisi epamba. Kusvika padanho rekuzadza kusvika ku5% yemitero yezvikomborero izvi. Iri kirasi reakaunzi iro rave kungove richishanda kwemakore mashoma, asi neimwe yeakasimba zvikuru maitiro neSpanish banking system. Ikozvino yakawedzera kupihwa kwayo zvakanyanya kuti iwe ugone kusarudza pakati pemaitiro akati wandei echinhu ichi chiri kubhanga.
Maakaundi ekubhengi ane madhidhi akananga emabhiri epamba anongoda kubatanidza. Hapana chimwezve, kuitira kuti kubva panguva iyoyo zvichienda mberi, vashandisi vanogona kutanga kunakidzwa neese maficha kubva panguva yekutanga. Nekudaro, mashandiro ayo ebhangi haana kana musiyano wakakura uchienzaniswa nemaakaunzi echinyakare. Ndokunge, vari pasi pemiganhu midiki iyo kashoma kudarika madanho ari pamusoro pe 0,50%. Pasina ivava vari muchinzvimbo chekugadzira bhegi rakasimba rekuchengetedza maererano nemubhadharo wavo.
Iyi kirasi yezvigadzirwa inoitirwa kuchengetedza inonyatso kuzivikanwa nenyaya yekuti yakanangana neese ma profiles evashandisi. Pasina kubvisirwa chero mhando. Zvekuti nenzira iyi, mwedzi wega wega unogona kuchengetedza mari kubva kumatareji epamba. Kana huwandu hwayo husiri hwakawanda, ivo vanozokushandira iwe zvine zvinyorwa iyo yavanowana gore rega. Kunyanya zvine chekuita nemari yemagetsi, iine kuwedzera uko kunogona kusvika nhanho dze10%. Aya ndiwo manyorerwo akaitwa aya maakaundi akakosha ekuchengetedza Asi iwe unofanirwa kuziva zvakawanda nezvazvo kubva zvino zvichienda mberi.
Inodzosera kusvika ku5%
Chekutanga pane zvese, iwe unofanirwa kuziva kuti chii chinonzi chimbo chekubhengi kuitira kuti uve nemari yakawanda muakaundi yekutarisa. Zvakawanda sekupa kwaunenge uchizobvumirana kuburikidza nezvigadzirwa izvi. Panguva ino ivo vanokupa iwe kudzoka kunofamba pasi pemitsara yakatetepa kwazvo inofamba pakati pe1% ne5%. Mukati meichi chiitiko chakazara, ivo vanofungisisa iwo mamwe masevhisi uye mabhenefiti senge mune mamwe marudzi emaakaunzi anoonekwa senge echinyakare. Ndokunge, iwe unogona kushanda neako wenguva bhangi uye nemabhengi masevhisi awanga uchibata kusvika zvino.
Iyo michina yeiyi nzira yekutengesa iyo mabhangi akagadzira iri nyore kwazvo. Ivo vanokupa iwe yakananga dhisikaundi pane yakazara emagetsi ako, mvura kana gasi mabhiri. Neiyi nzira, iko kukuru mhedzisiro ndeyekuti iwe uchafanirwa kubhadhara mari shoma kune aya mabhadharo emabhangi. Saka kuti iyo Kubhadharwa muaccount yako account iva mukuru pamwedzi wega wega. Nekuda kweichi chiito, unogona kusevha pakati pe50 ne150 euros gore rega rega nekushandisa ino yekuvimbika system. Zvichienderana nekushandisa kwawakagadzira mune yega yega nguva.
Chinodiwa kuti uwane aya maakaundi
Ehezve, ivo vari nyore kwazvo kubvumirana nekuti zvinongoda iwe kuti utungamire madhibhiti maretiiti iwe aunoda kubatanidza kune yekutarisa account. Ivo havafanirwe kuve vese, asi izvo iwe pachako zvaunofunga zvakakodzera. Kune rimwe divi, ichi chigadzirwa chebhangi hachidi zvimwe zvinongedzo, senge yakananga kubhadhara kubva mubhadharo kana pension. Uye havazokumbira kuti iwe uchengetedze a Minimum balance muakaunzi gore rega rega. Izvo zvese zviri nyore kwazvo kune zvako zvaunofarira sezvo zvichizongodiwa chete kuvhura iyo account yakasarudzwa kuti uite ino yakasarudzika yekutengesa zano.
Kazhinji, icho chigadzirwa chebhengi chisingasanganisi chero nguva yekugara. Mune mamwe mazwi, iwe unenge uine rusununguko rwakakwana rwekusarudza nguva yekukanzura account yekuchengetedza. Kusiyana nemamwe mamodheru kwavanoda nguva yekusingaperi iyo inogona kusvika pamwedzi gumi nemaviri uye iyo inoitwa nezvirango zvakakomba kwazvo. Zvakanaka, mune ino kesi, haufanire kutya izvi commissions nekuti hazvizopa mamiriro aya chaiwo. Hazvishamisi kuti iwo rudzi rweakaundi iyo inoshambadzirwa neyakajeka inochinjika nemasangano emari.
Hapana kukwira mukufarira
Kana izvo zvaunoda zviri zvekusimudzira zvakanyanya yako yemari statement, haisiyo yakanakisa modhi yekuhaya iyo. Nekuti zvirizvo, iyi mhando account yekuchengetedza haina kuwedzera kufarira nechero muzana. Izvo zvakangofanana zvakafanana nemamwe maakaunzi eazvino mabhengi kupihwa. Izvi zvinoreva mukuita kuti zvireve purofiti iyo ichave iri padiki. Nemhando ye yakatarwa uye yegore kufarira kune anosvika 0,2% mune yakanakisa kesi. Nekuti usakanganwa kuti izvi zvatiri kutaura hazvina kuumbwa mukati meiyo iripamusoro purofiti. Iwo akasiyana zvachose mamodheru, zvese mune yavo pfungwa uye mumakanika ayo avanotongwa nawo panguva ino.
Chimwe chiitiko cheaya mamodheru ekuchengetedza ndechekuti ivo vari kusunungurwa kubva kumakomisheni uye zvimwe zvinoshandiswa mukutarisira kana kuchengetedza. Iwe haufanire kubhadhara imwe euro kuti ishandiswe uye iri musiyano wakakosha zvakanyanya zvine chekuita nemamwe mafomati anowanikwa mune yazvino kubhengi kupihwa. Ndokunge, hazvizobatanidze chero kuyedza kwemari mukugadzirisa kwayo. Kubva pane ino maonero chiri chakanakisa kubhengi chigadzirwa kune izvo zvido zvevashandisi. Uye zvakare, pamwe neuyo mukana wekuwedzera waunogona kunongedza maretiiti aunoda chero nguva uye zvisingaite. Pasina kufamba uku kunosanganisira chero mari inoburitswa.
Nemakadhi mahara
Kana paine kumwe kutsanangurwa kunotsanangura maakaundi aya, ndeyekuti kuburikidza nawo unogona kuwana mahara makadhi. Ivo anowanzo shandiswa kune ekubhadhara mapurasitiki uye pazviitiko zvisingawanzo kune echikwereti mapurasitiki. Saka kuti nenzira iyi, ivo havafanirwe kubhadhara emission uye yekuchengetedza makomisheni ayo erudzi urwu ezvigadzirwa zvemari anosanganisira. Ichi chimiro chinokutendera iwe chengetedza anopfuura gumi mairi makore ose. Ehezve, iwo haasi chaiwo anoshamisa huwandu, asi zvirinani ivo vanozokutendera iwe kuti uwedzere zvishoma rako rekuchengetedza bhegi.
Kune rimwe divi, hazvigone kukanganwika kuti maakaundi ane akananga madhibhiti emarisiti epamba anosanganisira akateedzana emasevhisi kana mabhenefiti ayo zvakare ari emahara. Semuenzaniso, ita risingagumi epamba anoendesa, kuburitswa kwemacheki emabhangi kana kunyangwe mukana wekuti iwe ugone kuwana imwe kirasi yezvigadzirwa zvemari mune zviri nani kondirakiti mamiriro. Kubva nemaonero aya, icho chigadzirwa chinogona kubatsira zvikuru kudzivirira zvaunofarira zvemhuri sezvo uchizobhadharawo mari shoma yemabhiri epamba.
Ivo vanopa pakati pe1% uye 5% yemarisiti
Chipo chinopihwa nemabhangi panguva ino chinoshanda pasi pemiparamende iyi. Asi iwe unofanirwa kujekesa chinhu chakakosha kwazvo kune vashandisi. Izvo hazvisi zvimwe kunze kwekuti izvi zvinoderedzwa hazvina muganho nekuti zvinongoshanda kune yakanyanya mwero. Hazvina kumbobvira pahuwandu hwese hwekushandisa, sezvazvinogona kutendwa kubva pakutanga. Inongosvika chete kusvika pamuganhu unosvika makumi maviri kana makumi mana euros, zvinoenderana nekupihwa kweimwe neimwe yemabhangi. Banco Santander uye kazhinji mabhengi ese epamhepo anotarisira kuvhurira veruzhinji mhando iyi.
Mune imwewo nyaya, zvinofanirwa kutaurwa kuti imwe yeanonyanya kukurudzira ndeayo Banco Santander yakagadzira kuburikidza neAccount yayo 1, 2, 3. Neichi chigadzirwa chebhangi, unogona kunakidzwa kusvika pa3% pagore zita rezita (APR 1.81 %) Yeyero yezuva nezuva, kusvika ku3% bhonasi yeakawanzo maretiiti uye zvakare, iwe uchave unova mugovani weSantander, nekuti iwe unogamuchira 1 inogamuchirwa Santander mugove, nekuda kwechirongwa chekuvimbika chechigadzirwa chemari ichi.
Mamiriro ezvinhu muchibvumirano
Izvo hazvisi chete zvinokanganisa mabhiri epamba atakataura pamusoro apa. Kana zvisiri izvo zvinoshandawo kune yemunharaunda mitero uye kuchengetedzeka munharaunda: IBI, mazambuko, mutero wemugwagwa, REA, RETA. Pane kupokana, haiwanzo sanganisira VAT, wega mutero wemari, wekambani mutero, nhaka, nezvimwe. Mune chimwewo chinhu, zvinofanirwa kusimbiswa kuti iwe unogona kuve muridzi wemakumi maviri emaakaunzi chero bedzi usiri iwe wega muridzi mune izvo zviviri, ndiko kuti, iwe unogona kuve neakaunzi seiye wega muridzi uye mumwe mubatanidzwa muridzi, kana kuve muridzi wemaakaundi maviri ane muridzi wemubatanidzwa.
Chekupedzisira, yeuka kuti mashandiro eakaunzi akareruka: kana iwe ukasangana nemamiriro acho, isu tinokubhadhara iwe mabhenefiti. Ukasasangana navo, haugamuchire. Iyo yemwedzi yekuchengetedza komisheni ichave masere euros kana ukasasangana nemamiriro ezvinhu mukati memitezo mitatu inoteedzana, kana nguva yekutanga yenyasha yapera kana kana iwe wato sangana nemamiriro pane imwe nguva. Paunosangana nemamiriro acho zvakare, iwe unobhadhara pakarepo maeuro matatu.
Chero ani munhu anogara kana asiri mugari muSpain anopfuura makore gumi nemasere ekuberekwa anogona kubvumirana nerudzi urwu rweakakosha account, vangave vari mutengi mutsva kana kuti vatove mutengi wesangano riri kupa kupihwa. Semhedzisiro yechirongwa chekuvimbika chechigadzirwa chemari ichi.