Ndeapi akabhadharwa maakaundi?
Una yakabhadharwa account inogona kutsanangurwa se zvemari zvemhizha iyo inoisa mashandiro ayo pane kuiswa kweimwe huwandu kubhangi kana chinhu kuburikidza nesu chatinozowana a kufarira goho yakanangana nekuisa mari yedu ipapo. Aya marudzi emaakaunzi anopa iyo uve nemukana wekuve nemari yako iripo (bvisa mari, shandura etc.) Asi hazvisi zvese maruva, nekuti iyo shoma purofiti yavanopa chinhu chakanyanya kunaka.
Kusarudza iyo akanyanya kubhadhara maakaundi mamwe maitiro ekutanga anoshanda, pakati pawo zvinotevera kumira:
- Kubatsirwa Iwe unofanirwa kutsvaga iyo inobhadhara account inopa iyo yakakwira chimbadzo kune iyo mari yaunoisa. Kune izvi iwe unofanirwa kuenzanisa mabhenefiti anopiwa nemabhangi.
- Kubatsira nekufamba kwenguva. Sezvineiwo, sarudza iyo yakabhadharwa account iyo inochengetedza yakakwira kudzoka kune iyo yakareba kwazvo. Sezvo kazhinji rudzi urwu rwezvigadzirwa zvemari zvinoonekwa nekupa kudzoka kwakakwirira mukati memwedzi yekutanga kutora pfungwa yemutengi uye kuita kushoma kwemwedzi inotevera.
- Kugara kwemubereko. Kugadziriswa kwekufarira kunoshandiswa kune chiyero chepakati. Ichi ndicho chikonzero, kana kugadzirisa kwacho kuchiitwa pamwedzi, mari inowanikwa yakaiswa kune avhareji yemari yemari uye mari yedu inokura mwedzi nemwedzi.
- Makomisheni.Edza kudzivirira kumisikidzwa kwemakomisheni akadai sekuchengetedza kana manejimendi. Iyo yakakwira aya makomisheni, iyo inoderera iyo purofiti uye isu tinowana mari yakawanda yesavari yedu.
- Yakabatana masevhisi. Imwe yemabhenefiti akakosha emaakaunzi akabhadharwa ndeyekuti ivo vanokupa iwe mukana wekuve nemari yako wega. Chikonzero nei, isu tinofanirwa kunyatsoteerera kune izvo zvichabhadharwa nebhangi pakuita maitiro, senge kuchinjisa kana kubvisa mari.
- Usabatanidze makadhi echikwereti kana kunanga zvikwereti. Avo vanotsvaga chigadzirwa chekuchengetedza muaccomputer account vanofanirwa kudzivirira iyi link. Kuti uite zvikwereti zvakananga uye kubhadhara kune zvatove zvimwe zvigadzirwa pamusika, uye kana zviri zvekuchengetedza, kubhadhara zvikwereti zvako hakuzove sarudzo yakanakisa.
Tsvaga iyo purofiti iri nani isina njodzi yave rave rakaoma basa kune vatengi. Asi ipapo iyo gumi akanakisa sarudzo ine yakanakira purofiti kune akabhadharwa maakaunzi akanyorwa.
Rondedzero inotevera inoratidza izvo izvo akabhadhara maakaundi inopihwa nemabhangi kubva muna Kubvumbi 2017.
TOP 10 yemaakaundi akabhadharwa zvakanyanya muSpain:
Akaunzi 1 | 2 | 3 yeBanco Santander
Banco Santander
- Kudzoreredzwa inosvika ku3% yemadhibhiti akanangana
- Kutamisirwa mahara
- Payroll Account pa5% APR
- 3% APR isina muganho wenguva
Akaundi yebhangi
Bank Bank
- 2% kudzoreredza pane ako ekuhodha kutenga
- Mubhadharo kufambira mberi unosvika ku € 6.000
- 5% APR gore rekutanga
- Kwete makomisheni
360º kuverenga
Cajamar Bank
- Hapana mari yekuchengetedza
- Welcome Account
- Kusvika ku3% APR, zvinoenderana nemamiriro ezvinhu
Openbank account
Openbank Bank
- Pasina zvachose
- Kwete makomisheni
- 1,75% NIR kwemwedzi mitatu
- Kusvika ku0,40% NIR kubva pamwedzi wechi4
Akaundi Imwe
Mediolanum Bank
- Kwete makomisheni
- Mahara makadhi
- 1,75% NIR kwemwedzi mitatu
ING Yakananga Orange Akaundi
ING Direct Bank
- 100% mashandiro epamhepo
- Kwete makomisheni
- 1,00% APR kwemwedzi miviri
- 0,10% APR kubva pamwedzi wechitatu
WiZink Kuchengetedza Akaunti
WiZink Bank
- Hapana hushoma huwandu
- 0,50% APR
- Deposit inosanganiswa ne0,75% APR
- Kwete makomisheni
Coinc Akaundi
Coinc Bank
- 4% chipo paAmazon.com
- Kwete makomisheni kana kubatana
- 0,30% APR
- € 15 chipo pakunyoresa
Evo Smart Akaunti
Evo Bank
- MaATM emahara pasina muripo muSpain nepasirese
- Kwete makomisheni
- 0,30% APR pane iyo account yekuchengetedza
- 2% kuderedzwa paGALP
Deposit Akaunti Zvimwe
Direct Office Bhangi
- 1% APR, mwedzi mina yekutanga
- Kwete makomisheni
- Pamwedzi wechishanu, 5% APR
Kunyangwe ne mamiriro azvino ehupfumi kuSpain, ine nhoroondo yepasirose yekufarira mumusika, kune mamwe maakaundi anobhadharwa ayo anopa vese vatengi vavo purofiti inosvika ku5% APR, Bankinter ndiyo inopa uyu muripo uye inotora chinzvimbo chechipiri muchinzvimbo chemumwe mwedzi unoteedzana nekuda kwe muripo wayo unoyevedza.
Saizvozvo, chinzvimbo chekutanga chinotorwa neAccount 123 yeBanco Santander, nekuti, kunyangwe ichipa purofiti yakaderera pane Bankinter, haina muganho wenguva. Uye zvakare, iyo yakanyanya mwero kubhadharwa ndeye 15.000 euros, nepo Bankinter ichikuganhurira iwe ku5.000 euros.
Kune rimwe divi, iyo 360º account yeCajamar bank, iyo inotora chinzvimbo chechitatu, inopa 3% purofiti, ichimisikidza seimwe yesarudzo dzakanakisisa mumusika zvakare.
Kota yekupedzisira yegore rapfuura 2016 uye kutanga kwegore rino, zvakapa shanduko yakazara kune izvo mamiriro akagadzwa nemaakaundi anobhadharwa ekuchengetedza musika. Izvi hazvina kunyanya kunaka kune avo vanoda mari yavo kuchengetedzwa mukutsinhana nemutengo wakakura wemubereko.
Kukuvadza kunotanga kutapudza vashandisi. Muenzaniso weiyi ndiyo purofiti yeING Direct Orange Akaunti iyo yakadzika kubva pa0,2% kusvika pa0,1% uye sangano rakamira zvakare kupa mari yemabhiri ese aive akananga kubhadhara. Chii chimwe, iyo Self Bank Account yakacheka purofiti yayo kubva pa0,30% kusvika pa0,15%, hafu yechibereko. Kune iro chikamu, iyo Coinc Account ndiyo yave yekupedzisira kufambisa huwandu hwayo uye yakadzora purofiti yayo kubva ku0,7% kusvika ku0,3% kubva munaKurume apfuura.
Uye mamwe mabhangi ane vakomana vepamusoro Paavhareji, Openbank semuenzaniso inoderedza kubatsirwa kweakaundi yako kubva pa0,50% kusvika pa0,40%. Mafambiro anobatana ekupedzisira akaitwa gore rapfuura nemamwe masangano, apo Wizink (Banco Popular) yakadzikisa purofiti yeAccount Account yayo kubva pa0,75% kusvika pa0,5% APR, uyezve apo Banco Santander yakakonzera kumukira nekugadzirisa makomisheni eAccount yako. 1,2,3, inowanzo sarudzwa nevanhu sevakanakisa.
Chii chakave cheakabhadhara akanyanya kubhadhara maakaundi ipapo?
Pamusoro pe0,5%. Pachine akawanda maakaundi anopa APR inodzoka pamusoro pe0,5% hapana chekushushikana nacho, iwe unongo fanirwa kuziva nzira yekusarudza yakanakira sarudzo yezvaunoda.
Santander anoenderera achitungamira musika we akabhadhara maakaundi, nemubhadharo uri pakati pe0,56% uye 2,67% APR, pamwe nezvakanakira izvo izvi zvinopa mutengi kuwedzera pamubhadharo wakanaka. Ipo Mediolanum's Evolution Akaunti inosvika 1,41%. Kubatsira kwacho ndekwekuti ivo chete ndivo vari muchinzvimbo chezvinhu zvakanakisa zvigadzirwa, izvo zvinodzosa chikamu chakaringana cheuwandu hwerisiti.
-Iyo mamiriro ekugadzirisa. Sezvinhu zvese, panogara paine chikamu chisina kunaka kwazvo chemari, Mediolanum inorambidza ichi kupihwa kune avo vatengi vane chigadzirwa chinotarisirwa nesangano iro rine hushoma huwandu hwe15.000 euros.
Uyezve, Akaunzi 1,2,3 zvinokumanikidza kuti uroore bhangi, pamwe nekukwereta kwakananga kwemubhadharo wako, pamwe nemarisiti ako uye shandisa kanokwana katanhatu mwedzi yega yega 6 chero maakaundi aunazvo navo, kumanikidza vatengi vavo kuva nezvose navo, asi Izvo kwete chinhu chakashata, kune chimwe chinhu chavanonyanya kugona mune ino chikamu.
-Kune vatengi vatsvaMunyika ino yemakwikwi yemaakaundi akabhadharwa, zvinogona kuita kunge zvakaomarara kune avo vanouya kubhangi kekutanga vanogona kuwana kudzoka kubva kune dzimwe nguva zvisingaite.
Asi mune dzakawanda zviitiko mazwi akapfupika, ndosaka iwe uchifanira kufunga dzakasiyana zvinhu kusarudza yakasarudzika sarudzo yekuchengetedza mari yako. Inonyanya kukwezva mune ino mamiriro kazhinji ndiyo iyo Banco Bankinter Kubhadhara Akaundi, kuti kusvika Zvita 31 inopa mubhadharo we5% APR mukati megore rekutanga uye 2% APR panguva yechipiri.
Mukutsinhana nesarudzo iyi yakanaka, mwero wakabhadharwa wakanyanya ndeye zviuru zvishanu zveeuro, asi, kunyangwe zvakadaro, inobereka kwazvo kune vanhu vanoda kupinda munyika ino yemakambani akabhadharwa kuti vasarudze iyi sarudzo, nekuti kazhinji zvinobatsira makore ekutanga. , Kugadzira capital inokwana kufunga nezve dzimwe sarudzo.
Mubvunzo waungave uchizvibvunza iwe ndewekuti ino inguva yakanaka yekutanga kushandisa account iyo inobhadharwa pamitero yezvino. Zvese zveEurope uye kunyanya Spain iri kusangana nenguva yekufarira kwakanyanya, izvo zvisingafadzi kune vakawanda kuti vapinde muchikamu chezvemari, mukuwedzera, muhoro wakawanda haugone kutarisirwa kumaakaundi asina njodzi senge idzi.
Izvo zvakanaka zvinopihwa zvinogona kuchinjwa pasina ziviso, nekudzikisirwa mubereko yavanopa, saka iri sarudzo yakanaka kusevha nekuwana imwe mari, asi kwete yakanyanya kunaka kuburitsa muhomwe muhombe kana kurarama kubva mairi, nekuda kwenjodzi diki iyo inomiririrwa nemutengi, munyika ino hupfumi hwazvino, uyo asingazviisi panjodzi haatunde.