Ngaba ungomnye wabo babela inxalenye yomvuzo wakho kwiakhawunti yokonga? Okanye abo ugcina ngokwakho? Nokuba uyintoni na, kuya kufuneka uyazi ukuba iibhanki zibonelela ngolu hlobo lwemveliso.
Ukuba ufuna Yazi ukuba yintoni iakhawunti yokonga, yahluke njani kwabanye, iimpawu zayo, indlela yokuvula enye nangakumbi malunga nayo, namhlanje sikulungiselele le ngqokelela.
Yintoni iakhawunti yokonga
Iakhawunti yokonga yimveliso yezemali leyo iya kukuvumela ukuba ugcine inxalenye yemali (ngaphandle kokuthetha ukungabinakho ukufikelela) ukuthintela ukuchitha. Ngale ndlela, umntu uyancedwa ukulawula inkcitho ngandlela ithile kuba, kumvuzo wabo, inxalenye yabelwe ngokuthe ngcembe ukuba "nomatrasi" abanokufikelela kuwo xa befuna.
Ngoku, kufuneka uyenze "utyalo-mali", oko kukuthi, loo mali ibekiweyo, ngamaxesha athile, kwaye ekubuyiseleni kuyo ufumana umdla kuyo.
Iakhawunti yokonga okanye iakhawunti ehlawulelwayo
Enye yeengxaki eziqhelekileyo kukuba uninzi luphazamisa iakhawunti yokonga kunye neakhawunti ehlawulelweyo, kanti enyanisweni ayingombono omnye.
Iakhawunti ehlawulwayo yiakhawunti yokonga, kodwa eyahlukileyo. Ekuqaleni, Imelwe ukuba ifakwe kwiakhawunti yebhanki, kwaye amaxabiso enzala aphezulu. Kwaye okwesibini, kuba sithetha ngeakhawunti ebophelelayo (kuba baya kukunika inzuzo, ewe, kodwa ukubuyisela kuya kufuneka uqeshe ezinye iinkonzo okanye uthobele iimfuno ezongezelelweyo abazicelayo kuwe).
Ngapha koko, ukwahlula phakathi kweakhawunti ehlawulelweyo kunye neakhawunti yokonga kulula ukuba ujonga i-TIN kunye neAPR; Ukuba ezi ziphezulu, ke sithetha ngeakhawunti ehlawulweyo, ukuba iphantsi, yiakhawunti yokonga.
Iakhawunti yokonga kunye neakhawunti yebhanki
Enye impazamo yile bhida iakhawunti yokonga kunye neakhawunti yebhanki (okanye ukuba ibhanki "iyayithengisa" kuthi ngokulinganayo). Inyani yile yokuba zizinto ezimbini ezahlukeneyo kwaye eyona nto iphambili kukwinjongo nganye nganye.
Ngelixa injongo yeakhawunti yebhanki kukwenza imisebenzi yezemali (hlawula, uqokelele, uthumele imicimbi ..., ngamanye amagama, hambisa imali), kwimeko iakhawunti yokonga eyona njongo yayo kukuba imali iphumle, Ukuba ayihambi okwethutyana kwaye, ekuhambeni kwexesha, ikunika inzuzo, oko kukuthi, ufumana imali ethe kratya yokuba nayo. Oko akuthethi ukuba awukwazi ukufikelela kuyo (ukuba nje iyafezekisa uthotho lweemfuno zokwenza njalo kwaye ngohlobo lwesivumelwano osisayinileyo).
Iimpawu zeakhawunti yokonga
Ukujolisa kwiakhawunti yokonga, kuya kufuneka uthathe ingqalelo kwiimpawu ezinazo le mveliso, njengoko ziya kukunceda uyiqonde ngcono. Ukuqala:
- Inenqanaba lenzala. Oku kuya kuba ngaphantsi kwexesha elimiselweyo. Iibhanki zihlala zibonelela phakathi kwe-0% kunye ne-1% ye-APR (ngamanye amaxesha inikezela ngaphezulu, kodwa ke lumkele ukuprinta okuhle). Okuqhelekileyo ngokwe-ECB yi-0,03% ye-APR (ke ezo zikunikezela kancinci azifanelekanga).
- Ezinye iiakhawunti zokonga zineemeko ezikhethekileyo. Njengokuba umzekelo ukuba kukho ukungena kwirhafu (okanye ukuba ezinye iimeko ziyafezekiswa ukunika ukufikelela kolo hlobo lweakhawunti). Kodwa kuya kufuneka uyazi ukuba, kwimeko enjalo, ayisiyiyo iakhawunti yokonga.
Zintoni iiakhawunti zokonga?
Unokuzibuza ukuba kutheni kufuneka uqeshe iakhawunti yokonga (ngakumbi ukuba sele unayo i-akhawunti yebhanki okanye ungomnye wabo, ngokungathanga ngqo, bagcina inxenye yemali ngenyanga). Kodwa inyani kukuba kukho iinjongo ezintathu okanye ukusetyenziswa kwazo:
- Kungenxa yokuba wenza imali ngayo. Ayisiyokuba uza kufumana okuninzi, kodwa xa imali "imisiwe" ayivelisi nto. Kwelinye icala, kwiakhawunti yokonga iya kuthi, nokuba ibizisenti ezimbalwa.
- Kuba ukuba nemali kwiakhawunti akuthethi ukuba ngekhe uyikhuphe xa uyidinga. Ngaphandle kokuba utyikitye iimeko ezithintelayo, ngokomgaqo ungayisusa nanini na.
- Ukuphepha ukuyichitha yonke. Njengoko igama lisitsho, lulondolozo, oko kuthetha ukuba akufuneki lisetyenziswe. Iintsapho ezininzi ziqesha olu hlobo lwenkonzo yokubhankisha abantwana babo, ukuze bafunde ukonga kwaye bazi ukuba eli nyathelo linokubanceda njani ukuba babe nemali kwimeko yeziganeko ezingalindelekanga, okanye xa befuna into kwaye bafuna ukukhulisa imali ukuyifumana.
Uyivula njani iakhawunti yokonga
Ukuba, emva kwayo yonke into esikuxelele yona, uzikhuthazile ukuba uvule iakhawunti yokonga, kuya kufuneka wazi ukuba oku kulula kakhulu. Ewe kuyacetyiswa ukuba, ngaphambi kokwenza nantoni na, udibane neebhanki ezininzi kuba iimeko zinokwahluka ngokuxhomekeke kwenye kwaye kunokuba yinzuzo ngakumbi ukuba nayo kwibhanki eyahlukileyo kunaleyo yakho (okanye utshintshe yonke loo nto kwibhanki entsha) .
Ngokubanzi, ukuvula iakhawunti yokonga ufuna kuphela:
- Vela eofisini. Phantse zonke iibhanki zineeofisi ezidolophini ngoko akuyi kubakho ngxaki. Kwaye nakwezinye iidolophu unokufumana amasebe, ukukwazisa kunye nokwenza iinkqubo.
- Kwenze kwi-intanethi. Olunye ukhetho, kwaye kule mihla kusetyenziswa ngakumbi, kuba ikwavumela ukuba uthelekise iiakhawunti zokonga phakathi kweebhanki ezahlukeneyo ukubona ukuba yeyiphi eyona ilungele wena.
- Kwenze emnxebeni. Ayisiyonto iqhelekileyo, kodwa inokwenziwa.
Ingxaki ekuphela kwayo ezinokubakho kwezi fom zimbini zokugqibela kukuba kunokwenzeka ukuba, ukuze uzichaze, zifuna ukuba ungene e-ofisini (ngenxa yomcimbi "wokubhalisa ngokusemthethweni" imali).
Uyikhetha njani eyona bhanki ilungileyo kwiakhawunti yokonga eSpain
Umbuzo omkhulu: yeyiphi ibhanki endiya kuyo ukuvula iakhawunti enjalo? Impendulo ayilula, kuba ibhanki nganye inikezela ngeemeko ezahlukeneyo kwaye kuyafuneka ukuba uzithelekise zonke ukhethe eyona ifanelekileyo. Ukongeza, into yokuba umntu afezeke komnye umntu ayithethi ukuba ilungele omnye, kuba iya kumiselwa ngokusekwe kwezinye iimeko.
Nangona kunjalo, sinokukunika isikhokelo esiya kukunceda uyazi ukuba ungayikhetha njani eyona ilungileyo:
- Ukuba bakunike imbuyekezo entle. Ngokucacileyo, eyona inenzuzo ephezulu (ukuba nje ezinye iimeko azixhaphazi), iya kuba lolona khetho lufanelekileyo.
- Oko akukho khomishini. Yilumkele le nto, ngamanye amaxesha, nokuba unenzuzo elungileyo, ekugqibeleni iikhomishini zikwenza ulahlekelwe ngumvuzo wakho ngenxa yokumiswa kwemali (okanye nentwana yento eyeyakho).
- Yiba bhetyebhetye. Kwaye, ngamanye amaxesha, kukho iiakhawunti ezivimba imali yakho ngaphandle kokuba ube nakho, nokuba uyayifuna.
Ngale nto engqondweni, zininzi iimeko ezinokufunwa ziibhanki, kwaye kuya kufuneka uvavanye ngaphambi kokwenza naziphi na izigqibo.