Amakhadi etyala yenye yeendlela ezikhethiweyo zokuhlawula abasebenzisi baseSpain. Oku kuboniswa ngokwedatha ebonelelwe liBhanki yaseSpain yeSebe leNkqubo yokuHlawula, eqinisekisa ukuba eSpain kubalwa Izigidi ezingama-48,09 zale plastiki. Apho kungekho mntu ungaphezulu kweminyaka eli-18 ubudala ongenazo iindlela zokuhlawula ezi mpawu. Into ethetha ngokubaluleka kwamakhadi athatha kubomi bemihla ngemihla babemi.
Amakhadi etyala abe yeyona nto iphambili ekufumaneni ezinye zezixhobo zenkxaso-mali ezikhethwe ngabantu baseSpain kuhlehlise ukuthenga kwakho. Ngeendlela ezahlukeneyo iindlela bebesenza oko kwaye ivumela abasebenzisi ukuba baphume ngokukhawuleza. Mhlawumbi ngentlawulo epheleleyo ekupheleni kwenyanga okanye ngentlawulo yezavenge ezisisigxina zenyanga okanye ipesenti yetyala. Ayothusi into yokuba ubhetyebhetye bokulawula le mveliso yebhanki yenye yeempawu zayo eziphambili.
Nangona kunjalo, amakhadi abaqhele ukuphuma simahla, kodwa ngokuchaseneyo babandakanya uthotho lweekhomishini kunye nenkcitho kulawulo nakulondolozo lwabo yeyona nto iphambili ekubaqesheni. Kanye njengokuba inokuba yenzekile kuwe ngaxa lithile ebomini bakho. Esi sizathu sokuba indawo elungileyo yabasebenzisi izame ukurhoxisa okanye ubuncinci ukunciphisa ezi ntlawulo zebhanki. Ngale ndlela, zininzi izicwangciso abanazo ukuze ekugqibeleni ikhontrakthi yale mveliso yebhanki ikhoyo ngoku ekusebenzeni kwabathengi ingavelisi ntlawulo.
Amakhadi: Ukuqhagamshela kwimivuzo
Ewe kunjalo, enye yezona nkqubo zisebenzayo zokufezekisa le njongo inqwenelekayo isekwe ekunxibelelaniseni umvuzo okanye ipenshini kwiakhawunti yebhanki. Ngokubanzi olu luvo lumelwe yinto ebizwa ngokuba yiyo ii-akhawunti zemivuzo kwaye phantse onke amaziko emali anemodeli yezi mpawu. Banikezela abanini bazo izibonelelo ezahlukeneyo zazo zonke iintlobo, kodwa enye yezona zinto zixabisekileyo yile. Ngokwenza kwayo ngokusesikweni, ufumana ikhredithi yasimahla okanye ikhadi lebhanki. Ngaphandle kokujongana nayiphi na inkcitho yolawulo okanye yokugcina.
Inxalenye elungileyo yabathengi bebhanki bakhetha le modeli yokunyaniseka ukuba babe neeplastiki zabo. Kuba kulula kakhulu ukuyenza ibe semthethweni kwaye unokuyiphucula inzuzo yokonga okugciniweyo. Kuba, enyanisweni, babonelela ngenqanaba lenzala kwezona zindululo zinoburharha ezinokufikelela amanqanaba ukuya kwi-5%. Into engacingekiyo ngalo mzuzu ngenxa yokwehla kwexabiso lemali ngabasemagunyeni bemali yoluntu. Kwaye oko kukhokelele kwinzuzo ephakathi yezi mveliso zezemali zijikeleze i-0,10%.
Kubathengi abakhethiweyo
Ngaphandle kwendawo yokuba ngumthengi olungileyo kunezibonelelo zayo kwaye enye yazo kukususa iikhomishini kunye neendleko zolawulo kwi iikredit kunye nekhadi lokukhawuleza. Kule meko, kuya kufuneka uthethathethane kuphela ngezi meko zilunge kakhulu kwimidla yakho. Ayothusi into yokuba olu didi lwabathengi alunazo naziphi na iingxaki zokufika kweli nqanaba lokuqala kunye nebhanki yabo. Njengolunye uthotho lwezibonelelo ezinye zeakhawunti yebhanki ezifumana ubunzima kuzo. Phakathi kwabo babonisa ukupheliswa kwazo zonke iikhomishini zebhanki, ukufikelela kwinqanaba lenzala elikhuphisanayo kuninzi lweentengo zemboleko okanye nokubonelela kwangaphambili.
Ewe kunjalo, enye yeenjongo eziphambili zamaziko emali yile zivuze abathengi bakho. Kwaye ukuba banebhalansi yeakhawunti enamandla ngoku, kungcono kakhulu. Iminqweno yakho iya kwaneliswa phantse kwangoko kwaye ngaphandle kokuba ube negalelo okanye ubhalise ezinye iimveliso zemali. Umzekelo, iiplani zepenshini, imali yotyalo-mali okanye nayiphi na imveliso eyenzelwe ukonga. Ukongeza ukuqala kwizikhundla ezingcono ukuphucula iimeko zekhontrakthi zenxalenye elungileyo yeemveliso zezemali. Ukuba uyinxalenye yeli qela, ndiyavuyisana nawe, kuba ngekhe uhlawule i-euro enye ngobunini bekhredithi yakho okanye amakhadi ebhanki.
Izibonelelo zabathengi abatsha
Le nkqubo yekhontrakthi yenye into onokuyenza ngalo mzuzu ukuba ungaxolelwa kwikhomishini nakwinkcitho yamakhadi etyala okanye etyala. Ukuza kuthi ga ngoku kukuba sisixhobo esisebenzisa amaziko emali ukufaka ukonga kubathengi. Njengakwezinye iimodeli ezidweliswe apha ngasentla, le inikezela ngezinye izinto ezinokuba luncedo kuwe ukusukela ngoku. Njengokuba kunokwenzeka rhuma idiphozithi yekota ngenzuzo ephezulu kunangoku. Ngobuyiselo oluphakathi kogcino lwe-1,50%.
Olu didi lweeakhawunti lubonakaliswa ngokusisiseko ngokuguquguquka kwalo njengoko lusenziwa ngazo zonke iintlobo zeeprofayili. Ukusuka kubasebenzisi abadala ukuya kumacandelo amancinci abemi. Akukho zithintelo, kodwa ngokuchaseneyo, ezinye zezibonelelo zalo zinomhla wokuphelelwa kwangaphambili. Le yimeko yedipozithi yekota kwaye ikunika imbuyekezo ebanzi kuphela ixesha elithile. Ngokwesiqhelo zijikeleze iinyanga ezi-6 okanye ezili-12 kwaye kuphela kwicandelo lokonga. Inokuba yenye yeendlela ezilungileyo zokunyusa izikhundla zakho ukusukela ngoku.
Iiakhawunti kwifomathi ekwi-Intanethi
Ukuba kukho into eyahlulahlula iiakhawunti zangoku ezenziwe ngokusesikweni kwi-intanethi, kukuba zikuvumela ukuba uphucule iimeko zale mveliso yezemali. Ngenxa ye iindleko ezisezantsi ukuba amaziko emali kufuneka athwale. Ngenxa yeli nyathelo, ngokuqinisekileyo uya kuzisusa iikhomishini ukusukela ngoku. Ngoncedo lokuba ungayivula le fomathi yentengiso kamnandi ekhayeni lakho okanye naphi na apho ukhoyo, njengakwiholide yakho. Ukongeza, bahlala benesishumi esimbalwa emvuzweni ukusuka kwiyuro yokuqala.
Iiakhawunti ezikwi-Intanethi, kwelinye icala, zilula kakhulu ukwenza ikhontrakthi kwaye zihlala zizele zizibonelelo kunye nokunyuselwa okuya kukunceda ugcine ubudlelwane obugqwesileyo kunye nebhanki yakho yesiqhelo. Zizinto ezikhoyo kwizibonelelo zawo onke amaziko asebhanki ukuze ukwazi ukulawula imali yakho nkqu ukusuka kwiselula okanye ezinye izixhasi zeteknoloji. Yimveliso ebonakalayo ephezulu eya kufikeleleka kubo bonke abasebenzisi. Hayi ilize, kufuneka kuphela ube nesixhobo sezi mpawu onokusebenza kuzo kwibhanki oyifunayo.
Ukusuka kumaqonga amatsha ezemali
Esinye sezixhobo zokugqibela onazo ukusukela ngoku ukuya kwibhanki entsha yetekhnoloji kwaye uyonelise le minqweno. Kuba ngokusebenza, ukusuka kumzuzu wokuqala zonke iiakhawunti zenziwe zaluncedo. Apho unokukhetha khona ukuba leliphi ikhadi ofuna ukuxolelwa kulo kwiikhomishini kunye nezinye iindleko zolawulo. Nokuba yikhadi letyala okanye ngokuchaseneyo kwifomathi yetyala, uhlala uxhomekeke kwiimfuno zakho zokwenyani. Ukongeza, usapho lwakho lunokuxhamla kwesi sicwangciso seshishini ngokuba ne ikhadi elongezelelweyo isizalwane somnini-akhawunti.
Ngayiphi na imeko, le yinkqubo esetyenziswa ngabasebenzisi abancinci ukufumana ikhadi labo lokuqala letyala okanye lokuthenga. Ngenxa yeempawu ezizodwa zolu didi lweeakhawunti zebhanki. Kuzo zonke iimeko, ukwenziwa kwayo ngokusemthethweni ihanjiswe ngeendlela zetekhnoloji ezintsha. Into ethintela ukungena kwayo kubathengi abadala abanobunzima obukhulu ekujonganeni nolu lwazi lweendaba. Nokuba yeyiphi na, yenye indlela enomdla kakhulu ukukhusela umdla wakho nakweyiphi na imeko evelayo ngoku.
Ukusebenza okuvela kumakhadi
Ngomnye umthambo, kulunge kakhulu kuwe ukuba wazi ukuba kule ndlela yokuhlawula iya kuba kwimeko engcono yokusebenza nebhanki yakho. Ungatsala imali kwii-ATM nanini na emini, wenze iidiphozithi okanye Ukulungisa iindleko zamakhaya eziphambili (amanzi, umbane, igesi, njl. Kwelinye icala, unokwenza intlawulo yokuthenga kwakho kuwo onke amaziko orhwebo. Ngokukhetha ukurhoxisa iintlawulo kwiinyanga ezininzi, banomdla nakwindlela ezahlukeneyo kwiiplastikhi. Ukuze ngale ndlela, ube nokufika endaweni efanelekileyo ekupheleni kwenyanga.
Olunye uncedo lwezi ndlela zokuhlawula luhlala kwinto yokuba unokuzibonelela ngokuhlawula amatyala nanini na ufuna. Nokuba unokufikelela kuthotho lwenyuselo kunye nezibonelelo eziya kukuvumela ukuba ube nezaphulelo kunye neebhonasi kwizinto ozithengileyo. Okanye ukwenza ukubhukisha kuhambo lwakho lweholide (indawo yokuhlala ehotele okanye ukuqasha imoto, phakathi kwezinye zeenkonzo ezifanelekileyo. Ngamafutshane, uluhlu olubanzi lweenkonzo ezinokufumaneka kubomi bakho bemihla ngemihla.