Ngaphandle kwento yokuba iidipozithi zebhanki ziyaziwa, bambalwa abantu abazi ukuba zibandakanya ntoni. Ukucacisa nawaphi na amathandabuzo anokubakho, siza kuchaza Yintoni idipozithi yebhanki
Kweli nqaku siza kuthetha ngendlela ezisebenza ngayo iidipozithi, apho zinokwenziwa kwaye zeziphi iintlobo ezithandwayo.
Yintoni idiphozithi ebhankini?
Xa sithetha ngokufakwa kwemali ebhankini, sibhekisa kwimveliso yokonga. Ngokusisiseko umthengi unika isixa semali ebhankini, okanye kwiziko letyala, kangangexesha elithile. Lakuba liphelile elo xesha, iziko olinike imali ulibuyisela kuwe. Kufuneka kuqatshelwe ukuba umthengi akabuyisi imali yokuqala kuphela, kodwa kunye nomvuzo ekuvunyelwene ngawo nebhanki. Zininzi iintlobo zeebhanki, kwaye siza kuxoxa ngazo kamva, kodwa eyona nto ixhaphakileyo ngumdla osisigxina. Zombini inzuzo kunye nenzuzo zihlala zingatshintshi kude kube sekupheleni kwekota.
Inzuzo ebonelelwa yibhanki, okanye iziko lokuthenga ngetyala, ngokubhekisele kwimali etyalwe ngexesha elithile yaziwa ngokuba yi-TIN (ixabiso lenzala). Ngokwesiqhelo, kokukhona ixesha ekuvunyelwene ngalo, kokukhona inyusa inzala ebonelelwa yibhanki. Ngokubhekisele kwinzuzo esebenzayo yedipozithi, oku kubizwa ngokuba yi-APR (inqanaba elilinganayo lonyaka). Ibandakanya iindleko, iikhomishini kunye nenzala. Oku kuvumela ukuthengwa kweemveliso ezinikezelwa ngamashishini ebhanki ahlukeneyo.
Yenziwa phi idiphozithi?
Kulindeleke ukuba kube nzima ukuya kwisebe lebhanki ukuyokufaka imali ngendlela yesiNtu. Phakathi komsebenzi kunye neeyure zeofisi, Ukufumana umsantsa kwishedyuli yethu esivumela ukuba siyeke imali ethile kuthatha ixesha kwaye kunokuba nzima. ngamaxesha athile. Nokuba iiarhente zebhanki ziyekile ukubonga kubhanki kwi-intanethi eyenziweyo ngenxa yokuxinana kwe-intanethi, ukuya ngokwakho kulindele ukubonwa kungathatha ixesha elide kubomi bethu obuxakekileyo.
Namhlanje sinokufikelela uluhlu olubanzi lwentengiselwano esinokuyenza kude. Oku kubandakanya, umzekelo, ugqithiselo kunye nentlawulo ekwi-Intanethi ngekhadi letyala.
Kodwa senza ntoni xa sifumana imali ezinkozo? Oku kuqhelekile kwaye kunokwenzeka ukuba sigcine ngokulula, ngokukhuselekileyo nangokunqabiseka okuncinci ebhankini. Ngesi sizathu kukho iindlela ezahlukeneyo esivumela ukuba sifezekise idipozithi, ezifana ukhetho lokufaka iitsheki. Ngale ndlela akukho mfuneko yokuba siphathe okanye sithwale isixa esikhulu semali, esinokungonwabisi kubantu abaninzi.
Kwakhona, IiATM (oomatshini bokuxela abazisebenzelayo) ziye zakhona iminyaka emininzi. Oku kukuvumela ukuba wenze inani elikhulu leentengiselwano ezahlukeneyo, phakathi kwazo kukho ukhetho lokwenza iidipozithi. Kuxhomekeka kwindlela esiza kuyikhetha, siya kudinga izinto ezahlukeneyo. Nangona kunjalo, umphathi-mali ngokwakhe uya kusinika zonke izixhobo esiza kuzifuna. Ewe ayonzakalisi ukuphatha ipeni okanye ipensile xa kunokwenzeka.
Iindidi zedipozithi zebhanki
Ngaphandle kwamathandabuzo, imveliso yokonga oyithandayo yeSpanish ziidipozithi zebhanki. Ayimangalisi loo nto, kuba ukusebenza kwayo kulula kakhulu. Njengoko besesichazile ngaphambili, umthengi kufuneka ahambise imali ebhankini ngexesha elithile. Xa liphela ixesha, ibhanki ibuyisa imali oyityalileyo kunye nenzala ebekuvunyelwene ngayo ekuqaleni. Kulula ngoku?
Izibonelelo zedipozithi zomelele kakhulu, ngakumbi ngamaxesha enkathazo. Siza kudwelisa ezinye zazo:
- Banesiqinisekiso abasinikwe ngu- ingxowa mali yesiqinisekiso.
- Zicacile.
- Kulula kakhulu ukubaqesha kwaye ulandele kamva.
- Zineendidi ezahlukeneyo zexesha, njengoko sinokufumana ixesha elide, eliphakathi nelifutshane.
Kwakhona, Kukho iintlobo ezahlukeneyo zeedipozithi zebhanki. Ngumba wokukhangela kuphela olungele iimfuno zethu kunye neenjongo zethu. Okulandelayo siza kuthetha ngedipozithi eziphambili zebhanki.
Ukufuna iidipozithi zebhanki
Eyona dipozithi yebhanki yileyo ibizwa ngokuba "yimfuno". Ikwangoyena ulwelo kunye nesivumelwano, kuba ngayo ungayifumana imali ngalo lonke ixesha. Oko kukuthi, akukho thuba apho singenakuchukumisa isixa esifakiweyo. Iiakhawunti ezinamanani, ukonga kunye nokujonga iiakhawunti ziidipozithi zebango ezenziwayo.
Ngokubanzi, zilula kakhulu kwaye awunyanzelekanga ukuba uhlangane neemfuno ezininzi zokuvula enye. Injongo yeebhanki zebango kukusebenza njengenkxaso yokusebenza apho imisebenzi eyahlukeneyo inokwenziwa, njengokufaka iakhawunti, ukwenza intlawulo okanye ukugqithisela, ukufumana iirisithi zedebhithi ngqo okanye ukukhupha imali kwiATM. Olu hlobo lwedipozithi alunikezeli ngenzuzo, ukutsho nje okuncinci.
Rhoqo, iidipozithi zebhanki zebango zibandakanya ingqokelela yemirhumo yolawulo, kwii-ovadrafti kwiakhawunti, yotshintsho, yolondolozo, njl. Nangona kunjalo, Uninzi lweebhanki zinika umthengi izibonelelo ezithile okanye iibhonasi ukuba umvuzo okanye inani elithile leerisithi zebhanki lihlawulwe ngokutsalwa ngqo.
Iidipozithi zexesha lebhanki
Ngokungafaniyo neyangaphambili, Ixesha lokugcina imali ebhankini linenjongo yotyalo-mali. Kukwaziwa njengedipozithi yexesha elimisiweyo okanye njengediphozithi yexesha elimisiweyo. Umsebenzi yile nto besiyichazile ekuqaleni kweli nqaku: Umthengi uhambisa isixa semali ebhankini kwaye asibuyise emva kwexesha elithile ekwakukuvunyelwene ngalo ngaphambili, kunye nenzala ekuvunyelwene ngayo.
Ngokusisiseko luhlobo lwemali mboleko ayenzayo umntu lowo ebhankini. Ukubuyisa, ekugqibeleni ihlawulisa inzala ekwakukuvunyelwene ngayo ngaphambili. Ke ngoko, Iidipozithi zebhanki zihlala zinomhla wokuvuthwa. Emva kwalo mhla, umthengi unokuyisebenzisa ngokukhululekileyo imali yakhe.
Kwimeko apho umntu afuna imali phambi komhla ekuvunyelwene ngawo, Uya kunyanzeleka ukuba ahlawule ikhomishini okanye isohlwayo rhoxisa idiphozithi Ngaphambili. Nangona kunjalo, kukho ezinye ezingabizi isohlwayo. Oku kufuneka kusoloko kujongwa ngononophelo kwisivumelwano.
Namhlanje, inzuzo yolu hlobo lwedipozithi iphantsi kakhulu, ubuncinci eSpain. Nangona kunjalo, sinokufikelela ngokulula nangokukhuselekileyo kwiidiphozithi zaseYurophu ezinembuyekezo elungileyo.
Iidipozithi zebhanki ngomvuzo ohlawulelwayo
Kukho nezinye iibhanki Bazama ukutsala abathengi ngokunikela ngezipho endaweni yemali. Izipho zihlala zizinto zazo zonke izinto ozithandayo, ezinje ngeethelevishini, izixhobo zomdlalo, oomatshini basekhitshini, iibhola zebhola, njl. Ezi dipozithi zikwanyanzela umthengi ukuba agcine imali apho ixesha eliboniswe kwisivumelwano. Kwimeko apho ufuna ukufikelela kwimali kwangoko, kuya kufuneka uhlawule isohlwayo. Oku kuhlala kulingana nexabiso lesipho osifumeneyo.
Kule meko, inzuzo yedipozithi ayisiyo mali, kodwa ngumvuzo ohlawulelwayo, njengoko igama lisitsho. Kodwa lumka, nokuba asiyifumani imali, isipho sikwahlawuliswa irhafu. Ke ngoko, kuya kufuneka uhlawule irhafu kwingxelo yengeniso.
Iakhawunti yokonga yexesha elide (CIALP)
Iakhawunti yokonga yexesha elide, ekwabizwa ngokuba ziiCIALPs, luhlobo olutsha lwedipozithi yebhanki. Bazalwe ngo-2015 kunye ne-inshurensi yokonga ixesha elide, okanye i-SIALP. Njengoko unokucinga, yayiziibhanki ezazithengisa ii-CIALPs kunye neenkampani zeinshurensi ezazithengisa ii-SIALPs. Zombini zijolise ekukhuthazeni ulondolozo lwabantu kwixesha elide. Ngapha koko, imali ayinakuhlangulwa kwiiakhawunti ukuya kuthi ga kwiminyaka emihlanu. Ngesi sizathu baziwa ngokuba "sisiCwangciso soKonga 5".
Olu hlobo lwedipozithi yebhanki lunenzuzo kodwa lukwanesiphene. Inqaku layo elomeleleyo lelo Kukhululwe kwirhafu xa usenza ingxelo yengeniso xa kudlule iminyaka emihlanu. Nangona kunjalo, inomda wonyaka wokonga obekwe kumawaka amahlanu euros kumhlawuli werhafu ngamnye. Iinshurensi zizezomntu kwaye zisegameni lomntu omnye.
Iidipozithi zebhanki kwimidla eyahlukeneyo
Ngokubhekisele kwiidipozithi zebhanki kumdla oguqukayo, zinzima ngakumbi kunangaphambili. Kule meko, umthengi akayazi inzala azakuyifumana kwimali ayishiya kwiakhawunti, njengoko ixhomekeke kwisalathiso esithile. Ngokwesiqhelo yi I-Euribor. Uninzi lweebhanki zinika umgcini isivuno se-Euribor kunye nokusasazeka okungaguqukiyo. Ke umthengi uqinisekisiwe kuphela umahluko. Kodwa nayo isengozini xa ucinga ukuba i-Euribor ayilunganga.
Iidipozithi ezakhiweyo
Okokugqibela sishiywe ziidipozithi ezakhiweyo. Ezi zezona zinzima kakhulu kwaye ziyilelwe abantu abanolwazi oluqinisekileyo lwemali. Nalapha, inzuzo yakho inokuxhomekeka kwi-Euribor, kodwa nakwezinye izitokhwe, ezinje ngephakheji yezabelo. Yiba nokuba kunjalo, ukubuya okuqinisekisiweyo kuncinci kakhulu kwaye kuxhomekeke kakhulu kwindaleko yeeasethi. Ukongeza, ezi dipozithi zinemali encinci kakhulu.
Ngoku kukuwe ukuba ukhethe ukuba ufuna ukutyala imali yakho kwidiphozithi yebhanki okanye ukuba ukhetha ukuyiphatha ngokwakho kwimarike yemasheya.