Wakhe weva nge ibhanki yokuziphatha? Ziibhanki ezinjani? Ngaba ithetha ukuba ezi ukuzo okwangoku azijongwa njengeebhanki ezisesikweni?
Ukuba ufuna ukwazi ukuba yiyiphi ibhanki yokuziphatha, zeziphi iibhanki eziyinxalenye yayo kunye nayo yonke into omele uyazi ngayo, ngoko sikushiya ulungelelanise yonke ingcaciso ukuze ukwazi ukuyiqonda lula.
Yintoni ibhanki efanelekileyo
Ukubhankisha ngokwemigaqo liqumrhu elinjongo yalo ikukubonelela abathengi ngeemveliso ezivelisa ixabiso lentlalontle nabanoxanduva, oko kukuthi, iimveliso ezamkelekileyo nezingakhuphisaniyo ekuhlaleni.
Ngamanye amagama, sithetha nge Uhlobo lweziko apho izibonelelo zoqoqosho zingabalulekanga njengeeprojekthi zentlalo. Oko kukuthi, into abayifunayo kukwenza inzuzo ngayo yonke imali eyenziwa ziinkonzo zabo. Ukongeza, umxhasi uthathelwa ingqalelo, kokubini kwizimvo zabo kunye nohlobo lweeprojekthi ezenziwayo.
Owona mnqophiso wogcino-mali wogcino-mali awukho omnye ngaphandle kokuphuhlisa uluntu kunye nokugcina okusingqongileyo. Uyenza njani loo nto? Ewe, ngeemveliso zemali ezizinzileyo, ezifana nokusetyenziswa kwemali enoxanduva, utyalo-mali oluzinzileyo, njl.
Imvelaphi yebhanki yokuziphatha
Nokuba awuyazi, kuba ngenene luluvo olungekhoyo emilebeni yomntu wonke, inyani yeyokuba ibhanki yokuziphatha ibisebenza. ukusukela ngeminyaka yoo-80s xa babevela. Bayenza kuqala kumbindi nakumantla Yurophu kwaye kancinci kancinci iye yakhula kwamanye amazwe.
Ukusukela ngoko, iimpawu ezichaza ukubhankisha okusesikweni kuyaqhubeka nokunyameka ngokuhamba kwexesha, Oko kukuthi, ukubonelela ngeemveliso ezenza ixabiso lentlalontle, ukutyala imali kwezi projekthi zamkelekileyo ngokokuziphatha okanye ukubandakanya abagcini mali kunye nezemali.
Iimpawu zokuziphatha zebhanki
Kwiibhanki zokuziphatha kufuneka uthathele ingqalelo ezinye iikhonsepthi ezisuka kwiibhanki eziqhelekileyo, zahluke kakhulu. Umzekelo:
- Abathengi bayazi ngalo lonke ixesha ukuba isetyenziswa njani imali yabo, zeziphi iiprojekthi ezenzelwe bona kwaye banokwazi nenkampani okanye abantu ababaxhasayo.
- Le nkxaso-mali kufuneka ihlale isekwe kuluntu, oko kukuthi, kufuneka yenziwe kuphela kwiiprojekthi eziluncedo kuluntu okanye kwindalo esingqongileyo.
- Uncedo kunye nokubeka iliso kwiiprojekthi kungasekwa, oko kukuthi, ayisiyombandela nje yokushiya imali, kodwa okunene uzama ukuxhasa nokunceda abo baxhaswa ngezimali.
- Zonke izibonelelo eziveliswayo zimiselwe ukudala ingqesho kunye nokufakwa emsebenzini kwabantu abasemngciphekweni wokungakhathalelwa ekuhlaleni, kunye neeprojekthi ezizinzileyo ezinokubakho.
Indlela Esebenza ngayo iBhanki Esesikweni
Ukuze uqonde indlela esebenza ngayo ibhanki yokuziphatha kufuneka uthathele ingqalelo imigaqo emihlanu elawula isiseko semali esesikweni. Ngokukodwa, sibhekisa ku:
- Ukungafihli nto, ngengqiqo yokuba abagcini-mali kunye nabatyali-zimali banelungelo lokwazi ukuba kwenziwa ntoni ngemali yabo nalapho ityalwe khona. Kufuneka kubekho ukucaca kunye nokungafihli kwicala lequmrhu ukwazisa ngawo onke amaxesha malunga nento eyenziwayo ngemali, apho iya khona kwaye inceda ntoni ukuyidala.
- Uncedo lwentlalo, oko kukuthi, zonke iiprojekthi ezenziwayo kufuneka zibe luncedo eluntwini. Ngesi sizathu, kufuneka bahlangabezane neemfuno ezithile ezinje ngokuba bancedise ekudaleni imisebenzi, kutyalo-mali lwentlalo-ntle yabasebenzi, ekunciphiseni ukungalingani, ekuphuculeni okusingqongileyo ...
- Inkxaso kunye nothetha-thethwano, ngengqiqo yokuba olu hlobo lweebhanki alukwazi ukugxila kuphela ekubuyiselweni kwemali ababolekayo, kodwa ekuxoxweni nasekuncedeni abathengi.
- Ukusebenza, ngenxa yokuba "abazizidenge" iibhanki, kwaye nayiphi na iprojekthi abayenzayo, kwaye ebeka engozini inkunzi yabathengi babo, kufuneka ibe yinto esebenzayo, oko kukuthi, ukuba ayifuni ilahleko kumthengi wabo kwaye, ukuba inokuba , kukho inzuzo kuluntu.
- Uxanduva, kwimeko apho kufuneka bahlole uxanduva lomtyalo-mali kunye nomxhasi ukwenza izigqibo.
Ukuthathela ingqalelo oku, yintoni eyenziwa yibhanki esesikweni ehambelana kakhulu neebhanki zemveli, nangona yahlukile kwezi zokuba abagcini mali nabaxhasayo baya kuhamba kunye, basebenzisane kwaye bathathe inxaxheba kwiiprojekthi. Kwelinye icala, abongi babolekisa ngezibonelelo zabo besazi ukuba basetyenziselwa ntoni na kwaye baya kusetyenziselwa ntoni na; kwelinye icala, abo banemali, okanye abanamatyala, baya kuba nemali abayidingayo ukuze bakwazi ukukhuphisana ngakumbi nokuze baqalise umsebenzi wabo.
Zeziphi iimveliso onazo
Ukuba umbono webhanki yokuziphatha uqala ukuba nomdla kuwe, kuya kufuneka uyazi loo nto iimveliso kunye neenkonzo ezibonelelayo zifana kakhulu nezezinye iibhanki. Yintoni ii-eos?
- Iincwadana kunye namakhadi.
- Iimali zotyalo-mali.
- Iikhredithi ezincinci.
- ...
Umahluko omkhulu phakathi kweebhanki ezaziwa kakhulu kunye neebhanki zokuziphatha zisekelwe ikakhulu kwinto yokuba iikhomishini ezihlawulwayo ziya kusetyenziselwa iinjongo zentlalo. Ngalo lonke ixesha.
Zeziphi iibhanki zokuziphatha ezikhoyo eSpain
Umbuzo omkhulu onokuthi uzibuze wona phantse kwasekuqaleni kweli nqaku. Ngaba zikhona iibhanki ezisesikweni eSpain? Ewe, impendulo nguewe. Nangona bengaziwa, basebenza eSpain.
Phakathi kwazo sinokukucaphula:
- Ethical banking Fiare.
- I-Triodos Bank.
- Coop 57.
- oikocredit.
- IColonya, iCaixa Pollença.
- Caixa d'Engineers.
- FonRedess.
- Winkomun.
- Arç Cooperativa kunye neSeryes Seguros.
Ewe kunjalo, kukho amaziko amaninzi angekho eSpain kodwa asebenza kumazwe ngamazwe.
Ukuba emva kokufunda malunga neebhanki zokuziphatha kubambe ingqalelo yakho kwaye ufuna ukwazi ngakumbi ukutshintsha ukonga kwakho kwebhanki, into yokuqala esiyicebisayo kukuba uphande ngakumbi. Thetha kwiibhanki ezahlukeneyo ukuze ufumane umbono ongcono ngayo. Ngale ndlela uya kuba nakho ukwazi ukuba luhlobo luni lwamaqumrhu, into ozimisele kuyo kwaye ukuba iyasebenza kuwe. Nokuba kukwaphula nebhanki yakho okanye ukwabelwa inxalenye yemali oyongile kwenye ibhanki eya kuthi, ngoxa ilapho, iyenze ibenengeniso ekuyisebenziseni uluntu nakwimekobume.