Umrholo ungakuvulela iingcango ezininzi, uyazi njani?

Ngokutsalwa ngqo kwirhafu yokubhatala unokuzigcina iindleko ebhankini yakho

Ukubhatalwa kwaba sisixhobo soxinzelelo abanokusisebenzisa abathengi kwiibhanki. Ngale risithi yomsebenzi unako vula iingcango ezininzi kubudlelwane kwezi nkampani, ngaphezulu kunokuba ungacinga ekuqaleni. Ukusuka ekufumaneni ityala lakho lobuqu ngeemeko ezingcono zesivumelwano, ukubenza ukuba bakuvumele ukuba ubebomvu kwiakhawunti yakho yokujonga, ngaphandle kwenkcitho. Ngokuqinisekileyo, uluhlu olupheleleyo lwezinto ezinokwenzeka luqala ukuba kufuneka uphonononge ukuze ufumane izibonelelo ezingaphezulu.

Esi sicwangciso sinokukunceda, hayi kuphela ekuphuculeni iimeko zeemveliso ezithile zebhanki, kodwa kwanokuqulatha iindleko ezivela kubume bakho njengomthengi. Yayo, ungakhetha kunikezelo olubanzi nolwahlukeneyo ezi zinto zibekwe phambi kwetafile yakho. Kuya kufuneka ukhethe isindululo esifezekisa iimfuno zakho, kwaye ngokusekwe kwiinkonzo ozisebenzisa kakhulu kubomi bakho bemihla ngemihla.

Ukusukela ekuqaleni, ungasebenzisa isicwangciso sokurhweba seebhanki ezifuna ukutsala abathengi abaninzi, ngakumbi abo banegalelo lemali rhoqo. Abangxami ekunikezeleni izindululo, apho uxhasa ngakumbi, kwaye kwezinye iimeko ziba ndlongondlongo kakhulu. Bafuna ngokukodwa ukuba awuxhathisi kwaye usayine enye ye iibhili Ezinxulumene nomrholo. Zininzi izibonelelo kunye neenkonzo abakunika zona, ngesibonelelo esidibeneyo, esime ngaphandle kukhuthazo olwenziwa ziibhanki ngokwazo.

Luhlobo luni lomvuzo olwamkelayo?

Ziimveliso zebhanki ezijolise ekubambeni uluhlu lwemivuzo yabathengi. Nangona kunjalo, zininzi freelancers, okanye iingcaliNgaphandle kokufumana le risithi, bayazibuza ukuba nabo banokufikelela kwiiakhawunti ngezi mpawu. Ewe kunjalo, bavulelekile kwezi ndlela zorhwebo. Nabantu bethu abadala ngemali yabo yomhlala phantsi. Ukuya kuthi ga kwinqanaba lokuba sisibonelelo esahlukileyo esicwangcisiweyo phantsi kweendlela ezahlukeneyo zorhwebo.

Okwangoku, kufakwe nezindululo ezibanzi ngakumbi, ezithi vula le ndlela kubantu abangaphangeliyo abafumana izibonelelo zokungaqeshwa. Kwaye kuyo nayiphi na imeko, ngokulingana okupheleleyo malunga nomrholo oveliswe ngabasebenzi abaqeshiweyo. Kuya kufuneka uye kwisibonelelo sebhanki yangoku ukuze ufumane imodeli yeakhawunti apho simelwe khona ngomvuzo wethu. Ngokuqinisekileyo uya kuyifumana, kwaye uya kufumana inkuthazo enomtsalane, eya kuba nzima kakhulu ukuyala.

Ngokumalunga nexabiso lomvuzo (okanye umvuzo oqhelekileyo) Akukho nto idibanisayo kwisixa sayo, kwaye ixhomekeke ngokusisiseko kwisibonelelo esiboniswa ziibhanki. Zizinto ezifanayo kakhulu phakathi kwazo zonke, kodwa umahluko othile ubalulekile, zeziphi ezimisela iimpawu zeakhawunti ngokwayo, kwaye ke iinkonzo zayo. Kwaye kuphela ngegalelo lomvuzo, okanye umvuzo oqhelekileyo, akukho nto iyenye.

Ukusuka kule meko ngokubanzi, izindululo zahluke kakhulu. Kukho iiakhawunti ezifuna umvuzo ophakamileyo ngokuqinisekileyo, ngaphezulu kwe-2.000, i-3.000 okanye i-euro ezingaphezulu. Ukubuya, isibonelelo siyahlawulwa ngezindululo ezingafunekiyo ezihlengahlengisiweyo kubo bonke abasebenzi, kubandakanya iimoriyoristas. Kuba, ayisiyonto ingaqhelekanga ukufumana ezinye zeemveliso ukusuka kwinqanaba elincinci lama-euro angama-600. Apha ngezantsi kwesi sixa akunakwenzeka ukuba ufumane nayiphi na iakhawunti yezi mpawu.

Zikunika ntoni ezi ngxelo?

Unokufumana iimveliso zebhanki ngokuqesha ngcono

Ukusuka apha akukho mfuneko iphambili yokwenza ukuba ibe semthethweni, kuphela ukudibanisa ingeniso kwiakhawunti, akukho enye into. Njengomvuzo wale nzame kwinxalenye yakho, amaziko ezemali aya kukwenza izindululo ezingenakubalwa, nganye inokhuphiswano ngakumbi. Ngaphandle kwemida, kwaye ngamanye amaxesha izibonelelo ezinkulu kunokuba unokuzibona kwangaphambili. Ukuba ukwimeko yokutyikitya lo msebenzi webhanki, awuyi kuba nazibonelelo zimbi ngaphandle kokuya kwizibonelelo zabo.

Ngokubanzi baqala kwilinge eliqhelekileyo kuzo zonke iiakhawunti. Ayikho enye ngaphandle ukuphelisa zonke iikhomishini kunye neendleko zolawulo. Phantse kuyo yonke imveliso yebhanki, esi sicwangciso asisebenzi kwiakhawunti kuphela, kodwa nakumakhadi, ukuthengiselana, ukuhanjiswa, njl. Ukuze ube nokuphuhlisa, ngaphandle komzamo omninzi, umgaqo-nkqubo wolondolozo ochanekileyo, onamandla ngokwaneleyo ukuba angagcina iindleko eziphambili. Kodwa kwesi sibonelelo sisisiseko, ezinye ezithe kratya ziyakhuthazwa eziya kuthi zibonelele ngokungqinelana nezibonelelo zecandelo.

Uncedo lokuqala: ukufikelela kwinkxaso mali ekhethekileyo

Ukufumana ikhredithi ngeemeko ezingcono yenye yeembono ezisungulwe kwiibhanki ukuze wamkele izindululo zabo. Akunanto, ungagcina malunga nepesenti enye yexesha ngalinye ubhalisela umgca wekhredithi. Kwaye kunjalo uxolelwe kuyo nayiphi na ikhomishini. Ngapha koko, kwiimeko ezininzi awuzukufuna ukumangala, kodwa ngokuchaseneyo, iya kuba sele inikezwe ngaphambili, ukusukela oko wenza iakhawunti ngokusemthethweni. Nangona kunjalo, iimali azizukufuna kakhulu, kodwa ziya kubekwa phantsi kwemida engafane idlule isithintelo se-15.000 ye-euro.

Uncedo lwesibini: amakhadi asimahla

Kukubheja okuninzi phakathi kwazo zonke iiakhawunti ezifuna ukutsalwa ngokuthe ngqo kwimivuzo okanye olunye uhlobo lwengeniso eqhelekileyo. Ngenxa yeli linge, ukusukela ngoku ukuya phambili awuyi kuhlawuliswa ngolawulo okanye ulondolozo lwayo. Kuya kufuneka ujongane nenzala yokusebenza kwamatyala, okanye inkcitho eveliswe ngokurhoxisa imali kwii-ATM, phakathi kwezinye. Bade bakunike ithuba lokukhetha ifomathi eqhotyoshelweyo kwisibonelelo sokuba i-payroll ilawulwe kwiqumrhu: ikhredithi okanye imali. Nguwe oya kuyikhetha.

Uncedo lwesithathu: iidipozithi ezinokhuphiswano ngakumbi

Iidiphozithi ezinenzala ephezulu zinokuqeshwa

Inzuzo esezantsi kwezi mveliso inokuthi ithathelwe indawo yimida enzima ngakumbi, kunezona zindululo zinoburhalarhume abanokufikelela kungekho ngaphantsi kwe-5%. Banokufezekiswa kuphela ngezindululo ezenziwa ziibhanki ezithile ukuze zifumane umvuzo wabathengi bazo. Olu luphuculo olubonakalayo kwiimodeli zesiko. Kodwa lumka kakhulu, kuba iimeko zabo zinzima kakhulu.

Ukuqala, banethuba elide kakhulu, elingagqithiyo kwiinyanga ezi-6, kwaye ngaphandle kwamathuba okuhlaziya iidipozithi ekukhuleni. Kwelinye icala, kukho imiqobo engakumbi ekwenzeni ukuba ibe nenzuzo kunye neziqinisekiso ezipheleleyo kwiminikelo efakiweyo. Akumangalisi ukuba bavumele kuphela ibhalansi encinci yokonga ukuba ihlawulwe. Ukuya kuthi ga kwi-10.000 euros, njengomda ophakamileyo. Ukusuka kolu luvo benyanzelisa kwezi mveliso zingenisiweyo, ii-euro ezigqithiselwe kwiakhawunti yethu yangoku aziyi kuba phezulu kakhulu.

Uncedo lwesine: indlela yasimahla yokufumanisa

Enye yeemeko ezimbi kakhulu kubanini beakhawunti yokujonga kuxa kubomvu. Izohlwayo oya kuthi ujongane nazo zinokubonakala zingenakulinganiswa, malunga ne-10% kwimali eseleyo yetyala. Ewe, ngokutsala ngokuthe ngqo umvuzo wabasebenzi-kwezinye izibonelelo zebhanki- zibandakanya ukubakho ukuzixolela kwezi zityholo zicaphukisayo.

Ukuza kuthi ga kwinqanaba lokuba ezinye izindululo ezithile zivumela abathengi abazifumana bekule meko imbi inokubomvu ebomvu kwelona xabiso liphezulu lomvuzo wabo. Ngaphandle kokuba bohlwaywe ngayo nayiphi na ikhomishini, okoko bengadluli kulo mda. Kwaye kuyo nayiphi na imeko, iya kubanika imali ethe kratya kwiakhawunti yabo yokujonga ukujongana nothotho lweendleko, ngakumbi ezingalindelwanga. Kwaye ngaphandle kwesidingo sokucela kwangaphambili kumvuzo wakho ukugubungela le mingxunya yokuphendula.

Uncedo lwesihlanu: i-inshurensi yasimahla ngokupheleleyo

Ngaphandle kokuba uluncedo lwesibini ngokubhekisele kwezinye izindululo zebhanki, ayinyani kangako ukuba uthotho lwemigaqo-nkqubo yeinshurensi inokufunyanwa ngesicwangciso-qhinga sentengiso ngaphandle kwendleko zemali kwiipokotho zakho. Ngokusisiseko kwezona mveliso zisisiseko (iingozi, uncedo lokuhamba, ikhaya, njl.. Ugcino, ke ngoko, kuya kufaneleka ukuba lukhankanywe, kwaye ngale ndlela ukhuselwe nakweyiphi na imeko engxamisekileyo.

Uluhlu lweemveliso zeinshurensi ezinokufunyanwa kuluhlu oluvela kwimigaqo-nkqubo eqhelekileyo, eya kukukhusela kwizenzo ezininzi. Kodwa nezinye ezizezinye ezinolwalamano olukhulu kunye neemveliso ezinesivumelwano nebhanki, ezinje ngeinshurensi yokukhusela ubuqhetseba bamakhadi. Ngaphandle kweendleko zoqoqosho kwasekuqaleni, kunye nolondolozo lwayo. Ukubuyisa, ukugubungela abaya kukunika kona iya kuba zezona zisisiseko, ngaphandle kokugubungela okhethekileyo.

Uncedo lwesithandathu: ngenkqubela phambili yomvuzo

Inkqubela phambili yomvuzo ingafunyanwa ngokudibanisa i-payroll ne-akhawunti

Kwaye ukuba nangayiphi na imeko ufika uneengxaki zemali ekupheleni kwenyanga, unethuba lokubhenela phambili kumvuzo wakho. Ngexabiso lokufikelela kwimirholo emithandathu ngexabiso elifanelekileyo. Lo nto unokuba nesixa onokufikelela kuma-euro angama-6.000, ezakukunceda uphume ngokukhawuleza ngaphezulu kwesinye. Nangona kunjalo, eyona nto ibalulekileyo malunga noku kunikwa kwezi akhawunti kukuhlawulwa kukuba yenziwe ngaphandle kokusebenzisa naluphi na uhlobo lomdla, kwaye ayibandakanyi iikhomishini okanye ezinye iindleko kulawulo lwayo.

Akukho mfuneko yokuba bakunike, ukusukela Unayo onayo ngexesha elifanelekileyo lokwenza iakhawunti ibe sesikweni. Into ekuphela kwayo eseleyo kukwazi ukuba zingaphi iirolo onokufikelela kuzo, kunye nexesha oya kuyibuyisa. Ngayiphi na imeko, yenye yezona ndlela zibalaseleyo zokubonelela ngeendlela zokuxhasa ngemali ngeli xesha. Yonke into iya kuba luncedo, kwaye nalo msebenzi ungasetyenziswa kumhlala-phantsi wabathengi abadala.


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  1. Uxanduva lwedatha: UMiguel Ángel Gatón
  2. Injongo yedatha: Ulawulo lwe-SPAM, ulawulo lwezimvo.
  3. Umthetho: Imvume yakho
  4. Unxibelelwano lwedatha: Idatha ayizukuhanjiswa kubantu besithathu ngaphandle koxanduva lomthetho.
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