Esinye sezikhalazo zabathengi ngokubhekisele kubudlelwane babo namashishini ebhanki avela kwiinkcitho ezininzi ezibandakanya iimveliso zekhontrakthi, nokuba ziyintoni na (iiakhawunti zokonga, imali mboleko okanye imali mboleko yomntu, amakhadi etyala okanye okutsala imali, iidiphozithi, ukuthengwa kunye nokuthengiswa kwezabelo, njl. .). Ngamaxesha amaninzi kuya kufuneka uthathe iindleko ezingaphezulu kunoko ukonyuselwe ekuqaleni, nkqu nakwizinto oziyilondolozayo zokugcina. Kwaye ubuphila kumntu wokuqala ngaphezulu kwesihlandlo esinye. Banokukwazi ungalungelelanisi kakuhle uhlahlo-lwabiwo mali ngomzuzu othile.
Ezi azikho meko zimnandi kakhulu, kwaye kufuneka ubalekele kuzo ukukhuthaza ulondolozo kunye neemveliso zebhanki ozenzileyo, okanye kwimeko yokutyikitya kwiinyanga ezizayo. Ayizukuba ngumsebenzi olula, ewe akunjalo. Kodwa uyazi khusela iimfuno zakho njengomthengi ukuba unguye, kungekudala uza kufezekisa impumelelo oyifunayo. Ukuza kuthi ga kwinqanaba lokuba ungazinikezela ngaphezulu kwesinye ngoku ukusukela ngoku. Ngaba uyafuna ukwazi ukuba kanjani? Ngoku siyakuchaza, ukuze ukwazi ukusisebenzisa ngaphandle kokulibazisa.
Ulwazi lwangexesha lwamalungelo onawo njengomsebenzisi webhanki lunokukunceda ucwangcise kwaye ugcine kuqoqosho lwasekhaya, kwaye ungajongani nembuyekezo engalindelekanga kuwo nawuphi na umsebenzi webhanki owenzayo. Kwaye nge ulwazi olunzulu kakhulu lweemveliso zebhanki ukuba uza kubhalisa. Kwaye oko kuxhomekeke kulowo nalowo kubo, kuyakufuna unyango olwahlukileyo ukuqonda umdla wabo, iikhomishini, izohlwayo, kwaye nokuba ungazirhoxisa nangaliphi na ixesha.
Ulwazi malunga nemithombo yenkxaso-mali
Ngaphandle kwamathandabuzo eyona nto ibalulekileyo iya kuchaphazela iikhredithi oziqeshileyo, nokuba zintoni na. Akunanto, ii-euro ezisemngciphekweni ziya kuba zininzi, xa imfuno yezi mveliso zebhanki inokufikelela kwi-100.000 yeerandi, nangakumbi kwizihlandlo ezithile. Akufuneki ushiye nantoni na ukuze uphuculo, kodwa ufuna ukuba nesothuso esingaphezulu kwesinye ukususela ngoku ukuya phambili.
Los amaxabiso enzala iya kuba yeyona nto ibaluleke kakhulu kulawulo lweendleko. Uya kuthi yazi eyona nqanaba iya kusebenza kuwe kwimisebenzi yakho yebhanki, kwaye kwindawo elungileyo yamaxesha ayinakuba nanto yakwenza nezo ziphawula ukwaziswa. Ukongeza, uya kubandakanya phakathi kweendleko, iikhomishini ezinokubakho kunye nenkcitho esetyenzisiweyo, kwaye ngokuqinisekileyo yipesenti ngqo. Banokufumaneka kufundo lwabo, ukuvulwa kunye nokucinywa kwangoko, phakathi kwezinye izinto eziguquguqukayo. Nditsho nesohlwayo oya kuthi ujongane naso ukuba awuthobeli intlawulo ekuvunyelwene ngayo, kunye nakwimihla emiselweyo.
Naluphi na ukubonakala kwezi ntlawulo kunokunyusa kakhulu indleko eya kuthi iveliswe yimfuno yeekhredithi, ukuya kuthi ga lingaphezulu lee kwisixa esiqingqelweyo. Phambi kokuba utyikitye ikhontrakthi, awuzukukhetha ngaphandle kokuchaza eyona nto uza kuyihlawula, ikwayimfuneko ukuba ufunde ngononophelo ushicilelo oluchanekileyo lwesivumelwano, kwaye uphephe iingxaki ezizayo zebhanki okanye umlamli wezezimali.
Isilumkiso ngeemveliso zokugcina
Nangona zingadibani kangako, ikwafuna ingqalelo yakho. Kukangaphi umangaliswa kukuba bengakuhlawulanga imali ocinga ukuba kufanele ukuba ibiyiyo? Ukuze le meko ingenzeki kuwe ukusukela ngoku, kuya kufuneka Hlalutya iimpawu zezi mveliso zebhanki. Kwaye apho ungaphoswa lixabiso lenzala eliya kuthi lisetyenziselwe ukuzinziswa komdla, ixesha eliza kubakho kunye nefomula okanye iindlela ezisetyenzisiweyo ekubaleni kwayo. Ulwazi lwakho, ke ngoko, luya kuba yeyona nto ilungileyo yokuphepha ukumangaliswa ngomzuzu wokugqibela.
Kuya kufuneka kwakhona ukuba uqokelele ulwazi oluchanekileyo kwiirhafu zotshintshiselwano (kuloo misebenzi yentengiso yemali yelinye ilizwe okanye imali engamaphepha yelinye ilizwe imali yayo engagqithiyo kwisixa esithile kwiimali eziqokelelweyo), ngakumbi ziluncedo xa kufuneka uye phesheya , ngaso nasiphi na isizathu. Uyakwazi ukugcina ngaphezulu kunokuba ucinga.
Kwimeko nayiphi na into, kuya kucetyiswa ukuba uyazi, ukuba Iibhanki zinokuseta ngokukhululekileyo iifizi Bahlawulisa ngokusebenza kunye neenkonzo, kodwa kuyo nayiphi na imeko banoxanduva lokwazisa. Nawuphi na umahluko owenzekayo kufuneka waziswe kumthengi ngamnye, ngokubanzi ngeleta. Kwaye ukuba isiganeko senzekile, uyakuhlala unethuba lokubhena kwisigqibo ngebango.
Enye into ebalulekileyo kulwazi lwakho kukuba iziko letyala liya kunyanzeleka ukuba libonelele ngoxwebhu lwentlawulo kwindawo yokuhlala nganye eyenzekayo (nokuba yeyokuthengiseka, ityala okanye enye inkonzo). Olu xwebhu luza kubandakanya idatha eyimfuneko ukuze umthengi aqinisekise indawo yokuhlala kwaye abale iindleko okanye imveliso esebenzayo yentshukumo. Iya kuba yinkcazo apho imali oyenzayo, inzala, iikhomishini, amaxabiso okugcina, njl njl ziya kubonakala.
Ukuphapha okukhulu kunye neemveliso zotyalo-mali
Ukuba kukho icandelo apho izikhalazo zabathengi zibonakalisiwe, ayikho enye ngaphandle kotyalo-mali. Okanye ukuchaneka ngakumbi, kumajelo abawasebenzisayo ukwenza ukonga kwabo kube yinzuzo, nokuba kukwimali okanye kwimali engenayo esisigxina. Ayothusi into yokuba kuninzi okusemngciphekweni kubasebenzisi. Ukongeza, baphatha uthotho zeendleko ezisisigxina eziya kwahluka kwimveliso nganye yesivumelwano. Kwaye ngamanye amaxesha abazi rhoqo xa bethatha isikhundla kwiimarike zezemali.
Phakathi kwazo, ezona zibalulekileyo zezo zivela kwimisebenzi enjengokuthengwa kweeasethi zemali okanye ukwenza isivumelwano semveliso zotyalo-mali. Ukuthintela nayiphi na ingxaki ngentlawulo yemisebenzi eyenziweyo, kufuneka bafumane ulwazi malunga neerhafu zekhomishini yebhanki, iindleko ezinokubizwa kunye nemigangatho yokuxabisa yeziko letyala. Ezi datha kufuneka zibhaliswe kwiBhanki yaseSpain kwaye, ke, ngokufikelela kubo bonke abasebenzisi. Kwaye kuyo nayiphi na imeko, abayi kuba nakho ukuhlawulisa imali engaphezulu komthetho.
Oko akuthethi ukuba ngaphakathi kwemida yorhwebo lweebhanki ngokwazo, banenkululeko yenqanaba labo, benobukho bokugcina. Ngale meko, ayothusi into yokuba amanye amaziko abiza iikhomishini eziphezulu kunezinye. Ngale ndlela, isenzo sakho kufuneka sibe nefuthe ekufumaneni awona manqanaba ahlengahlengisiweyo, kwaye apho unokufumana olona londolozo lukhulu minyaka le. Nokuba uthathe ithuba kwizibonelelo ezininzi kunye nokunyusa ezibhanki bezikwenza ukukhuthaza iimveliso zabo zotyalo-mali.
Ngaphandle kokulibala nangaliphi na ixesha xa ubhalisa nayiphi na imodeli ukwenza ukonga kwakho kunenzuzo, nokuba yeyiphi na, uya kuba noluhlu lwamalungelo, kwaye ngalo lonke ixesha anyhashwa ungawabanga usebenzisa amajelo anikwe amandla ngezi zihlandlo. Kwaye phi Ayifanele ilahleke ukuba amalungelo anceda amaqela omabini (iqumrhu kunye nomsebenzisi) malunga nokulungiswa komdla ekuvunyelwene ngawo okanye iikhomishini ezibandakanyiweyo kufuneka zaziswe abasebenzisi ngesaziso esaneleyo kwangaphambili.
Ngu Ingxelo Yonyaka Yonyaka Yenkonzo Yamabango ukuba iBhanki yaseSpain ipapasha rhoqo, ungajonga inani lamabango enziwe ngabasebenzisi bebhanki, kwaye uqaphele ukuba bakho abanye abantu abakwimeko efanayo neyakho. Ukuba le ngxelo yaseburhulumenteni iphononongwe ngononophelo, uya kufikelela kwisigqibo sokuba eyona nto ifunwa kakhulu yile inxulunyaniswa nokunikwa uhlobo oluthile lwemali.
Ezinye iingcebiso zokukhusela amalungelo akho
Akukho ndlela ibhetele yokukhusela amalungelo akho njengomsebenzisi webhanki ngaphandle kokubonelela ngazo zonke izenzo zakho ngenqanaba eliphezulu lokucaca ekusebenzeni. Kufuneka ubange ukuba bakunike amaxwebhu olwazi ngeemveliso ozivumileyo. Kwaye apho kuya kufuneka ufunde nokuba kuprintiwe okukuko ukuze kungabikho miqathango ekuqeshweni ehlala ihlaziyiwe. Kuba uyakube ungoyena mntu unokulahleka kakhulu kule nkqubo enokuvulwa phakathi kwamaqela omabini.
Ukuze ube nokuzola kubudlelwane bakho nebhanki, kwaye okona kubaluleke nangakumbi, kukuba uyazi ukuba bazokuhlawulisa imali ehlengahlengisiweyo kwimimiselo yangoku yebhanki, awuzukukhetha ngaphandle kokunikela ingqalelo kwezinye yeengcebiso eziphambili esikubhengeza kuzo kweli nqaku.
- Phambi kokuba utyikitye nayiphi na imveliso ebhankini, kuyakufuneka oko ukuba ufunde zonke iimeko zobhaliso, kwaye kufuneka ubanike ukuba bakunike ukuze ujonge ukuba yeyiphi imveliso oza kuyiqesha kwiiyure ezimbalwa ezizayo.
- Ukuba nayiphi na imeko iyatshintsha, kumazinga enzala, kwiikhomishini, izohlwayo, isigxina, njl. Kuya kufuneka bakwazise ngolindelo oluthile ngeleta. Uya kuthi ubhence kuyo iimeko ezintsha zemveliso yebhanki.
- Ukuphonononga zonke iingxelo zebhanki ukuba bakuthumele, ukujonga ukuba kukho impazamo, okanye ukusilela ukuba kubekho utshintsho kwiimeko obuzisayine ngaphambili.
- Ukugcina inkcitho, iibhanki azisayi kuphinda zikuthumele ulwazi ngeyona ntshukumo iphambili. Ukuba kunjalo, Kuya kufuneka uyijonge kwikhompyuter Ngekhowudi yokufikelela oya kuyinikwa ivela kwiziko.
- Kwimeko apho ungonelisekanga yiyo nayiphi na intshukumo kwiiakhawunti zakho zokutshekisha, awuyi kuba nesisombululo ngaphandle koku fayilisha ibango ebhankini, kodwa ngokukhawuleza okukhulu, kuba ayicetyiswa ukuba ichithe ixesha elide ngaphandle kokunxibelelana ngesiganeko.
- Musa ukuqesha imveliso ongayaziyo indlela yokusebenza kwayo okanye ukusebenza, kuba oko kunokudala ingxaki engaphezulu kwesinye, kwaye nakwimeko yotyalo-mali, oku kukhokelela ekubeni ulahlekelwe yinxalenye elungileyo yemali yeeasethi zakho.
- Kwaye okokugqibela, zama ukuveza ukuba ibhanki yakho icace gca kangangoko, kwaye ukuba akunjalo, Uya kuhlala unexesha lokutshintsha into.