Iiakhawunti zokuhlawula yimveliso yebhanki apho inkcitho eninzi inokurekhodwa khona ngabanini bayo. Kukwabalulekile ukuba inxulumene nezinye iimveliso zezemaliUmzekelo, ikhredithi okanye amakhadi etyala okanye iidipozithi zexesha. Ke ngoko, kuyinto engenakucingwa ukuba ungabinayo imveliso yezi mpawu ngenxa yegalelo elininzi kunye neenkonzo ezibonelela abasebenzisi.
Ukusuka kule meko ngokubanzi, kukho uthotho lwezibonelelo ezingaze zisilele kwiakhawunti yentlawulo. Kwaye siza kuzityhila kuwe kweli nqaku ukuze ube nokuvavanya ukususela ngoku ukuya phambili. Kungenxa yokuba abanye benu bangabazi ngeli xesha kwaye akukho mathandabuzo okuba banokuba luncedo kakhulu ekugcineni umdla wakho ngokubanzi njengomsebenzisi. Apho, ewe, kuya kuba kubaluleke kakhulu ukuba awunayo iakhawunti kwimeko ye-overdraft ngesizathu esilula sokuba ungahlawula ii-commissions ezininzi, mhlawumbi ezigqithileyo, kwezi zinto zibi zifakiweyo kwiakhawunti yakho.
Ngayiphi na imeko, enye yezinto eziphambili ngokubaluleka iya kuba kukubhalisa iakhawunti yezi mpawu zikhululweyo iikhomishini kunye nezinye iindleko kulawulo okanye kulondolozo lwayo. Njengesicwangciso esiliqili esiluncedo sokugcina i-euro ezimbalwa minyaka le ngokubeka ngaphandle onokukunqanda ngokusebenzisa iindlela ezithile kulawulo lwale mveliso yebhanki. Ngaphandle kwezinye izinto zobuchwephesha eziqheleke ngakumbi ekusebenziseni oza kunika le akhawunti yokonga. Apho kuyakuba sisiseko sokuba ubathathele ingqalelo ukugcina olu hlobo lweenkcitho ezizodwa.
Iindleko ze-akhawunti ephetheyo
Ezinye zezona zixhaphakileyo kubasebenzisi bebhanki zezona siza kuzichaza apha ngezantsi kwaye ngokuqinisekileyo uyazi kakuhle. Kungenxa yesi sizathu le nto kufuneka uziqwalasele apha ngezantsi ukuze ungalibali naziphi na iinkcukacha zento abayenzayo njengeentlawulo kwibhanki okanye kwiakhawunti yebhanki. Phakathi kwazo sikubhengeza ngezantsi:
Ukugcinwa kweakhawunti: liziko elilawula iakhawunti ukuze umthengi akwazi ukusebenza nayo.
Ukukhutshwa kunye nokugcinwa kwekhadi ledebhithi: iziko libonelela ngekhadi lokuhlawula elihambelana neakhawunti yomthengi. Inani lomsebenzi ngamnye owenziweyo kunye nekhadi lihlawuliswa ngokuthe ngqo nangokupheleleyo kwiakhawunti yoMthengi.
Ukukhutshwa kunye nokugcinwa kwekhadi letyala: iziko libonelela ngekhadi lokuhlawula elinxulunyaniswa neakhawunti yomthengi. Imali iyonke ehambelana ne- imisebenzi eyenziwa kunye nekhadi ngexesha ekuvunyelwene ngalo lihlawuliswa ngokupheleleyo okanye ngokuyinxenye kwiakhawunti yomthengi ngomhla ekuvunyelwene ngawo. Kwisivumelwano sentengo yemboleko esisemthethweni phakathi kwequmrhu kunye nomthengi, kuyagqitywa ukuba ingaba inzala iyasetyenziswa na kwiimali ezilungisiweyo.
Kufunyenwe kwiakhawunti
- Kufunyenwe okucacileyo: iqumrhu kunye nomthengi bayavumelana kwangaphambili ukuba le yokugqibela ingaba nemali xa kungekho mali ibhalisiweyo kwiakhawunti yabo. Isivumelwano sigqiba esona sixa siphezulu sinokuthi sifumaneke nokuba ngaba umthengi kufuneka ahlawule iikhomishini kunye nenzala.
- I-Tacit ifunyenwe: iqumrhu lenza ukuba imali ifumaneke kumthengi engaphezulu kwemali eseleyo kwiakhawunti yabo. Ngayiphi na imeko, akukho sivumelwano sangaphambili phakathi kwequmrhu kunye nomthengi.
- DlulisaUkulandela imiyalelo yomthengi, iqumrhu lidlulisela imali kwiakhawunti yomthengi iye kwenye iakhawunti.
- Umyalelo omileyo: ngokulandela imiyalelo yomxumi, iziko ngamanye amaxesha linikezela ngesixa esithile ukusuka kwiakhawunti yomthengi ukuya kwenye iakhawunti.
Ukurhoxiswa kwemali kwii-ATM
Ukurhoxiswa kwemali ukutsala imali ngekhadi kwiiATMs: apho umthengi erhola imali kwiakhawunti yakhe ngeATM yelinye iziko, ngekhadi, ngenxa yebhalansi ekhoyo.
Ukurhoxiswa kwemali kwikhredithi ngekhadi kwii-ATM Umthengi urhoxa imali nge-ATM yeziko lakhe okanye elinye iziko, ngekhadi, xa iimali zigutyungelwe ngumnini wetyala ovuleleke kumthengi nokuba ujonge imali eseleyo kwiakhawunti.
Iinkonzo zokwazisa (I-SMS, i-imeyile okanye efanayo): iziko lithumela ulwazi malunga nokuhamba okwenziwe kwiakhawunti yomthengi ngeSMS, i-imeyile okanye enye itekhnoloji efanayo. Uthethathethwano kunye nokususwa kweetsheki. Kwelinye icala, asinakulibala ukuba iqumrhu lithatha amanyathelo ayimfuneko ukufumana ingqokelela yetsheki.
Ukubuya kweetsheki: kule meko, iqumrhu lenza izinto ezibangelwe kukungahlawuli itsheki lelinye iqumrhu.
Iindleko ekusebenzeni
Enye into ekufuneka ithathelwe ingqalelo kolu didi lweemveliso zemali okanye zebhanki kukuhlawulwa kwemali eya kuthi ibabize abanini bayo. Kuba bahlala bephethe amaxabiso anokufuna ukuba bahlawuliswe iakhawunti ezinokuvela kwi-euro ezimbalwa ukuya kuthi ga kwi-euro ezingama-200 kwiimodeli ezibanzi ngakumbi. Ukuze ngale ndlela, aba bantu bakwazi ukwenza yonke imisebenzi kunye neentshukumo esithe sabhekisa kuzo kumacandelo angaphambili. Kwaye uninzi lwabo lunokubanjwa bothuswe sisityholo sokuba baya kuboniswa kwibhanki yabo yesiqhelo.
Iindaba ezimnandi, ngokuchaseneyo, zokuba aba bantu baya kuba nazo kukuba iiakhawunti zokuhlawula ezingakumbi nangakumbi zithengiswa ngaphandle kwee-commissions, izohlwayo kunye nezinye iindleko kulawulo okanye kulondolozo lwabo. Ukuze ngale ndlela, ukwazi gcina i-euro ezininzi minyaka le Yintoni ebaluleke ngakumbi, ngaphandle kokuncama nayiphi na inkonzo okanye ukubonelelwa yile mveliso yebhanki ibaluleke kakhulu kuzo zonke iimfuno zethu. Oko kukuthi, ikhululekile ngokupheleleyo kwasekuqaleni. Ukuba esiphelweni kosuku sijonga ntoni ngaphezulu kwezinye izinto eziqwalaselweyo zolunye uhlobo.
Iimeko ekuqeshweni kwakho
Ukufezekisa ezi njongo kudala zilindelwe, oko kukuthi, ukuphelisa inkcitho yeakhawunti ephetheyo, kungaphuhliswa iindlela ngeendlela ezahlukeneyo. Enye yezona zinto zixhaphakileyo okwangoku ngumzimba Ukubhatalwa ngqo kwi-debit okanye umvuzo oqhelekileyo kwimeko yabasebenzi abazisebenzelayo. Ezi ntlawulo ziya kuthi shwaka ngokuzenzekelayo kwiiakhawunti zethu kwaye yintoni enomdla ngakumbi, kwangoko. Ngokunjalo, iya kusivumela ukuba sonwabele ezinye iinkonzo zebhanki okanye iimveliso simahla. Umzekelo, ngekhadi letyala okanye lokuthenga.
Kwelinye icala, asinakulibala ukuba enye inkqubo esinokuyisebenzisa ukususa ezi ndleko kwiakhawunti ephetheyo isekwe ekubhaliseni iimodeli zolawulo kunye nezindululo ezibandakanya uxolelo kwikhomishini kunye nezinye iindleko ekulawuleni okanye ekugcineni. Ngale ndlela, iiakhawunti ezibandakanya eli nqaku eliluncedo olukhulu kwimidla yethu yobuqu okanye yeshishini ziya zisanda rhoqo. Kungenxa yokuba, le mveliso yebhanki inovakalelo kakhulu ukuze ingabizi iindleko zeyuro enye.
Ngeebhonasi kwii-invoyisi
Enye yemirhumo ehlawulwa ziakhawunti kukuba sinokuhlala kulo naluphi na uhlobo iirisithi okanye amatyala asekhaya (umbane, irhasi, amanzi, iselfowuni, njl. njl.). Ngaphandle kwalo naluphi na uhlobo lwezithintelo kwaye ngoncedo olukhulu lokuba kwezinye iimodeli zokonga kukho nokuba kunokwenzeka kwenxalenye yemali ehlawulweyo kwiakhawunti ibuyiselwe kuthi. Kuyinyani ukuba izixa azifuneki kakhulu kwaye zifikelela kwi-3% kuzo. Ukongeza, ubuninzi buphelele kwimbuyekezo esekwe ngokubanzi malunga ne-150 okanye kwi-euro ezingama-200.
Ngayiphi na imeko, ukufezekisa esi sicwangciso-nkqubo sezorhwebo kwicala leebhanki, kuyimfuneko ukwenza ikhontrakthi yokonga okanye ukukhangela iakhawunti evumela olu hlobo imisebenzi yocwangciso-mali. Kuba uninzi lwazo alugunyaziswanga ukuba luvele ezi mbuyekezo kwiintlawulo zeakhawunti zale mbono. Kukwiimodeli ezithile kuphela apho oku kunokwenzeka ukuba kubonelelwe ukufezekisa ukonga okukhulu minyaka le. Nokuba zithini na iindleko ezenziwa rhoqo kunye nemali eseleyo enayo le mveliso yokonga.
Ngawo onke amanqaku
Ngayiphi na imeko, uya kuba nakho ukuqinisekisa izinto ezininzi onokuzenza ngeakhawunti yakho ephetheyo kwaye ngokuqinisekileyo ukusukela ngoku uya kuba nezimvo ezingakumbi zokuzisebenzisa kwesi sixhobo sinamandla esifumanekayo nakweliphi na iziko lemali . Ngaphandle kwezinye izinto zobuchwephesha eziya kuthi zibe sisifundo kwamanye amanqaku ukuze uyiqonde ngcono.
Ukuqukumbela, ngokuqinisekileyo uya kuza kwimbono yokuba awungekhe uphile ngaphandle kweakhawunti yezi mpawu. Zibalulekile kulo naluphi na uhlobo ubudlelwane kunye nelizwe elihlala linzima lemali. Kwelinye icala, ungalibali ukuba iyakusivumela ukuba sonwabele ezinye iinkonzo zebhanki okanye iimveliso simahla. Umzekelo, amakhadi etyala okanye okuthenga ngetyala, imali yotyalo-mali okanye ukwenza naluphi na uhlobo lotshintsho, nokuba lolwesizwe okanye ngaphandle kwemida yethu. Yimveliso ebaluleke kakhulu kuwo wonke umntu.