Iiakhawunti ezihlawulelweyo yimveliso yasebhankini eyona njongo iphambili kukukhuthaza ukonga phakathi kwabathengi. Yimodeli ebekade ifakiwe kwicandelo ixesha elide kwaye ikhulelwe njengesicwangciso ukuze bakwazi sebenza neziko lakho lezemali. Ngokwenyani nonke ninemveliso enezi mpawu, nangona ibonelela ngesazisi sayo. Iiakhawunti ezihlawulwayo ngoku zikhona kwi-BBVA, eBanco Sabadell, eSantander, eCaixabank, e-Evobank kunye noluhlu olude lwamaziko emboleko anikezela ngale fomathi yokonga.
Enye yeenjongo zeeakhawunti ezihlawulelweyo kukuba abasebenzisi banokufumana imbuyekezo encinci kulondolozo lwabo. Ke kancinci kancinci imali yakho iyonyuka ukusuka koku Imveliso yebhanki. Nangona kunjalo, ukusebenza kwabo okwangoku kungowona mgangatho usezantsi kule minyaka idlulileyo. Njengomphumo womgaqo-nkqubo wokwehlisa ixabiso lemali elenziwe yi-European Central Bank (i-ECB) ukuphuma kwingxaki yezoqoqosho eveliswe ngo-2017. Ngokufanelekileyo, uku-0% Ngenxa yoko, ukuthandeka kweeakhawunti ezihlawulelweyo kuye kwehla kakhulu kule minyaka idlulileyo.
Iiakhawunti ezihlawulelwayo aziboneleli ngaphezulu kwe-0,1% ngenxa yesi sicwangciso-mali. Apho kuphela ziakhawunti ezihlawula kakhulu ezikwaziyo ukugqitha kula manqanaba asezantsi. Nangona kutshintshiselana ngokuzalisekisa iseti yeemeko, njengoko uza kuba nakho ukubona apha ngezantsi. Ngayiphi na imeko, abakafikeleli kumanqanaba eminyaka yokuqala yale nkulungwane apho unokwenza ngokusesikweni iakhawunti yokonga ngenqanaba lenzala elingaphezulu kwe-1%. Okanye nakwiakhawunti eziphezulu ezithandwayo ezivelisa eyona mbuyekezo ilungileyo kulondolozo lomsebenzisi.
IiAkhawunti: unikela malini?
Ewe kunjalo, iiakhawunti ezihlawulwayo azisekho njengesixhobo sonyusa ukonga. Ukuba akunjalo, ngokuchaseneyo, sisithuthi sebhanki esisebenza ukugcina amakhonkco kunye nebhanki yethu. Ukusuka apho unako Iibhili zasekhaya zokuhlala (igesi, umbane, amanzi, njl. njl.), Dlulisa okanye ufumane umvuzo wakho. Kwelinye icala, kolu hlobo lweakhawunti yebhanki uya kuba nakho ukwenza ikhontrakthi kolunye uthotho lweemveliso zebhanki, nokuba simahla. Ukusuka kumakhadi emveli okanye kumakhadi etyala kwiidipozithi zexesha elimiselweyo okanye kwizicwangciso zokonga ezahlukeneyo.
Iiakhawunti ezihlawulwayo kungoku nje Imveliso ebalulekileyo yebhanki, kodwa loo nto ayinakukuzisa naluphi na uhlobo lomdla. Ubuncinci de kube umgaqo-nkqubo wangoku wezemali ulandelwe ngumzimba olawulayo waseYurophu. Kodwa nangona kunjalo, iiakhawunti ezihlawulelweyo azifani kodwa ungakhetha phakathi kweemodeli ezahlukeneyo ezihlangabezana neprofayile yakho njengomsebenzisi webhanki. Ayothusi into yokuba le yeyona minikelo mikhulu ihlawulwe kwiiakhawunti sele ikhula iminyaka ethile. Ngaphandle kweenkonzo okanye izibonelelo ekubonelela ngazo nanini na.
Iiakhawunti ezihlawula kakhulu
Yeyona fomathi yokonga ilungileyo kwimidla yakho njengomthengi webhanki. Phakathi kwezinye izizathu kuba yimveliso ekunika umdla omkhulu ngalo mzuzu. Umsebenzi wakho unako inyuke iye malunga ne-1%, kodwa ukuthobela uthotho lweemfuno ezisisiseko. Enye yezona zixhaphakileyo kukuba awuzukukhetha ngaphandle kokuyalela umvuzo wakho, ipenshoni okanye umvuzo rhoqo ukuphucula inzuzo yakho. Ngamanye amaxesha, baya kufuna ukuba udibanise ezinye iirisithi zasekhaya okanye uthenge i-inshurensi. Iakhawunti ebizwa ngokuba yimivuzo ephezulu isekwe kwesi sicwangciso.
Ukunikezelwa kwangoku kwezi akhawunti ngezi mpawu zikhethekileyo kuye kwehla kule minyaka idlulileyo. Ukuya kwinqanaba lokuba nezindululo zebhanki ezithile. Apho banokumisela khona a Ubuncinci bebhalansi kwangokunjalo kuya kuba nzima kakhulu. Kwelinye icala, ukubandakanyeka kwabathengi kukwakho kwintengiso yakho. Ngokuqhutywa kwesivumelwano nezinye iimveliso zebhanki (iimali zotyalo-mali, izicwangciso zepenshini okanye i-inshurensi). Ewe, njengoko unamathela ngakumbi kwibhanki yakho yesiqhelo, inzala eveliswa lolu hlobo lweakhawunti iya kunyuka.
Inzala engaphantsi kwexabiso lentengo
Uphawu lweeakhawunti ezihlawulwayo kukuba azikuvumeli ukuba uphinde ufumane ukunyuka kwamaxabiso. Kuba zingaphantsi kwexabiso lobomi. Ngale ndlela, kufanele ukuba kukhunjulwe ukuba i-Index yamaXabiso abaThengi (i-CPI) inyuke nge-0,1% ngo-Matshi xa kuthelekiswa nenyanga ephelileyo kwaye sele ifikelele kwelona nqanaba liphezulu ukusukela ngo-Novemba ophelileyo, nge-1,2, ngokwedatha yakutshanje ebonelelwe liZiko leLizwe lezibalo (i-INE). Ukuziqhelanisa noku kuthetha ukuba iiakhawunti ezihlawulelweyo azenzi nzuzo nakweyiphi na imbono. Ayothusi into yokuba uphulukana nemali inyanga nenyanga ngenxa yale meko yemali.
Ukuba eyona nto uyifunayo kukuphucula ibhalansi yakho ye-equity, kuya kuba bhetele kakhulu ukuba ujika komnye umkhiqizo webhanki onenzuzo enkulu ngalo mzuzu. Nangona kuya kufuneka uthathe umngcipheko omkhulu ekuvezeni igalelo lakho lezemali. Kodwa kwiiakhawunti ezihlawulelweyo awuyi kuyiphumeza le njongo. Kwibhalansi ye-50.000 euro uya kufumana umvuzo omncinci kuphela phakathi kwama-10 nama-15 euros. Ukuza kuthi ga kwinqanaba lokuba uya kuzibuza ukuba kufanelekile ukubhalisela le mveliso ijolise ekongeni. Okanye ufuna olunye udidi lwezithuthi zebhanki ukwanelisa le mfuno yokuba bonke abagcini baseSpain banayo.
Kulula ukuqesha
Ngaphandle kwayo yonke into, ezi ntlobo zeakhawunti zikhetha ukuba zilula kakhulu ukuba zenziwe ngokusemthethweni kwaye azifuni lwazi olunzulu ngazo. Kunye iifomati ezahlukeneyo kuxhomekeke kwiprofayili yabasebenzisi obonisa ngamaxesha onke. Iiakhawunti zabafundi, abasebenzi abaziqeshileyo, abathathe umhlala-phantsi okanye abasebenzi bakarhulumente zezinye zezona zinto zibalulekileyo ezifumaneka kwiibhanki ngalo mzuzu. Ungababhalisa kwi-euro enye kwaye inzuzo yabo iya kuqala ukubala kwasekuqaleni. Nangona sele sikuxelele kweli nqaku ngenqanaba lenzala elingezantsi kwimbali esezantsi.
Ngokubanzi ungafaki iikhomishini okanye ezinye iindleko kulawulo okanye kulondolozo lwayo. Ngayo ayizukuxabisa nto ukuba uyiqeshe kwaye ungafumana amakhadi etyala okanye okuthenga ngetyala mahala. Kwelinye icala, iiakhawunti ezihlawulelweyo azinasiphelo. Ukuba akunjalo, ngokuchaseneyo, unokuzirhoxisa ngexesha ocinga ukuba lifanelekile. Esi sicwangciso-qhinga sihlala sinikwa uninzi lwezindululo ezenziwe ngamaziko emboleko. Apho kuyinto eqhelekileyo ukuya kwiakhawunti ehlawulelweyo uye kwenye ngexesha elifutshane.
Umngcipheko wokuba bomvu
Ngayiphi na imeko, iiakhawunti ezihlawulelweyo ziba nobungozi kwaye oko kukuthi ungabanjwa ngaphezulu. Kuba, kule meko, le meko iya kuvelisa isohlwayo esinzulu esinokwenzakalisa iimfuno zakho. Ngale ndlela, amanani abomvu kwi-akhawunti eseleyo angakhokelela ekubeni uhlawule imali engaphezulu kunokuba bekucingwa ekuqaleni. Kungenxa yokuba awukwazi ukulibala ukuba ukuhlala ebomvu kunokukuhlawula kakhulu. Apho i-overdraft yee-euro ezimbalwa kwiintsuku ezimbalwa unokugqibela ngokushiya ngaphezulu kwama-euro angama-50. Kukho isizathu esilula ukusiqonda esichaza ukuba: iikhomishini ziphezulu kunezo zinomdla.
Ngayiphi na imeko, iiakhawunti ezihlawulelweyo zikunika indlela yokuphepha ezi meko zingathandekiyo. Njengomzekelo, ngokusebenzisa Ukutsala ngqo kwi-payroll yakho. Amanye amaziko akuvumela ukuba ube ne-overdraf kwixabiso elipheleleyo lomvuzo wakho oqhelekileyo. Ngale ndlela, awuzukuhlawula nayiphi na ikhomishini ukuba ugqithe kule migaqo kwityala lakho lokujonga. I-Bankinter, ngeAkhawunti yayo yokuHlawula, ikwenza ukuba ukhethe esisombululo kwiingxaki zakho. Ngaphandle kokuqesha idipozithi yexesha elimisiweyo kunye nenzuzo yokufikelela kwi-5%.
Ngayiphi na imeko, kulula kakhulu ukuba ubhalise ngeakhawunti ngenxa yokuba sisithuthi sebhanki ukufikelela kwezinye iintlobo zeemveliso zemali. Kwaye ukuba uyahlangabezana neemeko zesivumelwano, ngaphandle kwesidingo sokuba ubenemali kuye ngoku. Ngoncedo olukhulu onalo ukunikezelwa okubanzi Kule klasi yeemveliso zebhanki. Njengakwelinye icala, kwenzeka kuwe kwezinye iimodeli ezinikezelwa ngamaziko emali.
Kuba ukugqiba, awungekhe usebenze kwezi ntsuku ngaphandle kweakhawunti yezi mpawu. Uyakukwazi ukuphuma ngaphezulu kwengxaki enye kwaye baya kukumangalela nakwezinye iindawo ukuze benze intlawulo okanye ukusebenza kwetyala. Umzekelo, ukwenza ingxelo yengeniso ngokusemthethweni okanye ufumane inkxaso-mali yokungaphangeli, phakathi kweminye yemisebenzi efanelekileyo. Ngayiphi na imeko, ukuba kukho imveliso eyimfuneko, ngokungathandabuzekiyo ziakhawunti ezihlawulelweyo. Nangona kunjalo ayizukuqasha ii-euro ezininzi njengenzala ephakathi. Ubuncinci kula maxesha siphila kuwo.