Namhlanje kubaluleke kakhulu ukuba sazi Iiakhawunti zebhanki ezilungileyo kwintengiso ukufumanisa ukuba loluphi olona khetho lulungileyo yethu kwaye ufumane olona hlobo lweakhawunti yebhanki kwintengiso esinceda ukuba sibe neekomishini ezisezantsi.
Iiakhawunti zebhanki ezilungileyo kwintengiso
Kuyacaca ngakumbi ukuba wonke umntu ubophelelekile ukuba neakhawunti yebhanki kungekudala okanye kamva, kuba kulapho abantu abaninzi benza khona intlawulo okanye ukuqokelela.
Ingaba iphi siqondisa zonke iintlawuloNokuba zezenkonzo zendlu ezinje ngombane, amanzi, igesi nalapho iinkampani ezininzi zisibhatala khona kunqabile ukuba umntu namhlanje angabinayo.
Iinkampani ezininzi zikunyanzela ukuba uhambise ngqo iintlawulo zetyala, oko kuthetha ukuba ngandlela thile kufuneka uzazi ukuba ziyintoni na Iiakhawunti zebhanki ezilungileyo kwintengisooy kuya kufuneka uyazi ukuba zeziphi iiakhawunti ezinekhomishini ephantsi kunye nenqanaba lenzala kwaye yeyiphi imali oza kuhlawuliswa ngayo ngokulungiswa kunye nokulawulwa kwale akhawunti ichaziweyo.
Esi sesinye sezizathu zokuba kutheni sKuya kufuneka usoloko unazo ii-akhawunti zebhanki ezilungileyo kwimarike ezisinika iziphumo ezilungileyo ngaphandle komdla kunye neekhomishini eziphezulus. Namhlanje, siza kufumanisa ukuba zeziphi ezona akhawunti zibalaseleyo kwintengiso.
I-akhawunti yebhanki ye-Evo
Enye yeakhawunti zokuqala esiza kugxininisa kuzo yi iakhawunti yebhanki ye-smart evo. Ngaba i-akhawunti ihlawula i-1% APR yemali onayo kwiakhawunti yakho yebhanki. Ukongeza, xa singabathengi ngaphezulu kweenyanga ezi-6 ebhankini kwaye iakhawunti esinayo idlula i-3000 euro, iakhawunti yongezwa nge-2% APR.
Olu hlobo lweakhawunti yeakhawunti ye-EVO smart, yenzeka ukuba ibe khomishini umgaqo-nkqubo wasimahla, nakwizinto ekufuneka zihlawulisiwe njengogqithiso. Nangona kunjalo, ukuze le akhawunti ingakuhlawulisi naluphi na uhlobo lwekhomishini, kuya kufuneka ube neerisithi zedebhithi ngqo okanye umvuzo, nokuba ngowomhlala-phantsi okanye wokungaphangeli.
Enye yeeakhawunti zebhanki ezigqwesileyo kwintengiso ezinokuthi zikunike umdla kwaye onokuthembela kuzo njengenye yeeakhawunti zebhanki ezilungileyo yile Ukuziphatha kunye nokugcina imali ebhankini kwi-akhawunti yangoku ye-triodos.
Le akhawunti siyifumene inomdla ukusukela ngoko ayinalo naluphi na uhlobo lwekhomishini kwaye abanazinkcitho zongezelelweyo zibandakanyiwe ngexesha lokudluliselwa kwesi-5 sokuqala osenzayo inyanga nenyanga.
Ukongeza, ikunika ithuba lokuba ukwazi ukudibanisa i-payroll yakho ngaphandle kokuba unalo nekhadi eliqhagamshelwe kuloo akhawunti.
Iakhawunti yeMfuno yeBhanki yeDeutsche db
Enye yee-akhawunti zebhanki ezilungileyo kwiimarike esiziqaqambisayo njengezona zilungileyo Iakhawunti yeMfuno yeBhanki yeDeutsche db. Le akhawunti ayinakukunika naluphi na uhlobo lwekhomishini kwaye ayizukuvelisa iindleko zalo naluphi na uhlobo ngalo lonke ixesha onalo. Kwakhona Akhawunti yeBango db yeDeutsche Bank Ayizukuongeza inkcitho yamakhadi kunyaka wokuqalaOko kukuthi, ubunini bamakhadi baya kukhululeka ngokupheleleyo.
Le akhawunti igqibelele ekufumaneni ezona nkonzo zinexabiso eliphantsi, kuba umvuzo wenyanga unokutsalwa ngqo kwiAkhawunti yeDemocratic Bank yeDeutsche ukufumana olona khetho lufanelekileyo kwiiphakeji.
Ibhanki evulekileyo
Ibhanki evulekileyo Enye yee-akhawunti zebhanki ezilungileyo kwiimarike kunye nezona zibuyekezo ezilungileyo kwihlabathi. Ezi ntlobo zeeakhawunti azinazo iikhomishini kwaye akukho ndleko zenkonzo ziya kongezwa kwiakhawunti. Ukongeza, ayizukucela ukuba uhambise naluphi na uhlobo lweakhawunti kuba ungonwabela zonke izibonelelo ngaphandle koku kwaye ayizukuhlawulisa iikhomishini ezongezelelweyo ngokungakwenzi oko.
Enkosi kolu hlobo unokufumana Ukuhlawulwa kwetyala ngokukhawulezileyo kwimigca yamatyala ngokukhawuleza, into ekuhambeni kwexesha iluncedo ekugubungeleni naluphi na uhlobo lweendleko ezingalindelekanga esinokuba nazo.
INkulumbuso yamaThuba eNkulumbuso
Enye yeeakhawunti esizithandayo kakhulu yile INkulumbuso yamaThuba eNkulumbuso kuthengiswa yiBarclays. Le yenye yeakhawunti zebhanki enika izibonelelo ngakumbi kwaye ngaphezulu kwayo yonke into enabantu abaninzi njengabaxhasi, enkosi kwizibonelelo zayo ezintle. Ekuphela kwento engalunganga kolu hlobo lweakhawunti kukuba ine-payroll ngqo ye-debit system enokuthatha ixesha elide kuba iyibhanki elawula i-akhawunti yomvuzo.
I-Akhawunti yeNkulumbuso yamaThuba ethengiswa yiBarclays Inika ithuba lokugcina kakhulu kuyo yonke into oyenzayo kwiakhawunti kuba ayivelisi iindleko okanye iikhomishini zalo naluphi na uhlobo olongezelelweyo okoko umvuzo onawo ungaphezulu kwama-2500 eeuros okanye into enesivumelwano ngaphakathi kwequmrhu exabisa i-30.000 ye-euro. Kwimeko apho oku kungenjalo, uya kuba neakhawunti kunye neekhomishini eziqhelekileyo.
I-Akhawunti eSisiseko ethi iBancopopular-e ithengise
Enye yeeakhawunti zebhanki ezilungileyo kwintengiso yile I-Akhawunti eSisiseko ithengiswa yiBancopopular-e. Le akhawunti ikwi-Intanethi ngokupheleleyo kwaye ineendlela ezahlukeneyo zeakhawunti ezikhoyo kubo bonke abathengi. Enye yeeAkhawunti ezisisiseko ezithandwayo ezithengiswa yiBancopopular-e yile iakhawunti yomvuzo ehlawula abo banayo efanayo ngeakhawunti kunye nomvuzo.
Ikwakunika i-0,55 APR yemali eseleyo kwiakhawunti yakho ngenyanga.
Iakhawunti eSisiseko ethengiswa yiBancopopular-e yiakhawunti eyiyo khomishini simahla kunye nalo naluphi na uhlobo lweendleko ezinxulumene nekhadi lalo naluphi na uhlobo. Ikhadi lomthengi alikuniki naziphi na iindleko ezongezelelweyo.
Malunga neeakhawunti zebhanki kuphela
- Ukujonga iiakhawunti. Ezi ntlobo zeeakhawunti zebhanki zisetyenziswa kakhulu kuba zibonelela ngokufikelela ngokulula kwemali yakho kwaye zikwakhusela nangakumbi imali yakho kuba yonke into inokulawulwa ngetsheki. Abathengi abanolu hlobo lweeakhawunti banokuba nemali yabo yokuhlawula iitsheki okanye naluphi na uhlobo lwentlawulo yenyanga abanokuba nayo.
Ukujonga iiakhawunti kuyacetyiswa kuba zihlala zinokhetho olukhulu lweephakeji kwiibhanki ezahlukeneyo. - Iiakhawunti zokonga. Olu hlobo lweakhawunti lolunye lolukhethwayo ngabantu abaninzi kuba lubanika ithuba lokufumana enye yezona ndlela zibalaseleyo zokufumana inzala. Oku kunceda abathengi kakhulu njengoko inzala inokudityaniswa mihla le, ngeveki okanye ngonyaka. Ukuze iakhawunti yebhanki ibe ntle ngokwenene, kuya kufuneka ujonge kwinqanaba lenzala. Uninzi lwezi ntlobo zeeakhawunti lunobalo oluncinci lokubala onalo kwiakhawunti kwaye ngokusekwe kulowo unikwe umdla. Ukuze ufumane olona loncedo kwiakhawunti yakho, kuya kufuneka uziqonde kakuhle zonke izibonelelo kunye nemigaqo ekunika yona ukuze ube nolwazi olungcono malunga nento oyenzayo. Unokonwabela iakhawunti yakho ngokuthatha ukhetho olulungele iimfuno zakho njengoko usazi.
- Iakhawunti yemakethi yemali. Ezi akhawunti zebhanki ziyafana kakhulu nezo sike saxoxa ngazo kwinqanaba elidlulileyo, nangona kunjalo, ukufumana olu hlobo lwezibonelelo, intlawulo yeakhawunti kufuneka ibe phezulu ukuba siyayithelekisa noko kufunwa kwezinye iibhanki; Ngelixa kwiiakhawunti zokonga, oku akuqwalaselwa. Ukongeza, kolu hlobo lweakhawunti iirhafu zenzala zinikwa ngendlela egxadazelayo, nto leyo ebenza babe ngamanqanaba afanelekileyo kwizilinganiso eziphezulu kakhulu.
- Iiakhawunti zomhlala-phantsi ngamnye. Ezi akhawunti zebhanki ziyaziwa njenge-IRAs kwaye ziiakhawunti zomhlala-phantsi. Ngale akhawunti, ungonga umhlala phantsi ngezicwangciso ezikunika izibonelelo ezininzi.
Injongo yezi ntlobo zeakhawunti kukuba unako yonga izibonelelo ngexesha lomhlala-phantsi. Kuninzi lwezi akhawunti, zezona akhawunti zebhanki zibalaseleyo kwintengiso, imali inokurhoxiswa kwangoko ngaphandle kokwenza naluphi na uhlobo lwerhafu. Ngokwesiko kunye nezo zingacetyiswanga kangako, ukuba iipesenti ziyatsalwa.
Ngamafutshane
Ukukhetha Iiakhawunti zebhanki ezilungileyo kwintengisoOkanye, into ekufuneka siyigcinile engqondweni kukuba kufuneka sazi kakuhle ukuba zithini na iiakhawunti zebhanki kwaye ngaphezulu kwako konke ekunyanzelekileyo ukuba basinike zona ukuze bangasiniki into abamele ukusinika yona ngokwasemthethweni.
Uninzi lwexesha, kuyo yonke into enento ekhululekileyo, umvuzo kufuneka ulawulwe kwaye ube nokuzibophelela okungapheliyo kumaziko, oko kukhokelela kwizivumelwano phantse zonke zobomi kunye nawo. Kwimeko apho umvuzo awunakunxulunyaniswa, unako fikelela ekuthengeni iimveliso amaxesha amaninzi adlula i-20.000 euro.
Ukuba sifumana iakhawunti esivumela ukuba sitshintshe imeko xa sifuna kwaye yeyiphi akunyanzelekanga ukuba sidibanise umvuzo okanye naluphi na olunye uhlobo lwamaxwebhu, emva koko sijongana neakhawunti echanekileyo kuba ezi iya kuba ziiakhawunti zebhanki ezilungileyo kwintengiso.