Zeziphi iikhomishini eziqale ukuhlawuliswa iibhanki?

amashishini ebhanki

Ukufumana ibhanki namhlanje engahlawulisi mali ngumsebenzi onzima. Kukho izinto ezimbalwa nezimbalwa kunye nezininzi ezenzekayo, ezinje ngodidi lwemveliso yezemali, ubudlelwane nequmrhu okanye umhla wolungiso. Zeziphi iintlawulo ezibizwa ziibhanki?

Ukususela ekuqaleni, i iikomishini ezininzi eziqhelekileyo abadla ngokusihlawulisa ngayo isondlo okanye i-ovadrafti kwi-akhawunti yebhanki; ukukhutshwa kunye nokugcinwa kwamakhadi, kunye naxa ugqithisela. Ngokuchasene nale yokugqibela, sinokulwa ngokukhupha imali kwaye sizibeke ngokwethu ngqo kwi-akhawunti ebesifuna ukuyidlulisela kuyo. Kakade ke, de kwafika iBizum yaza yasindisa ubomi bethu. Ukusukela ngoko, ukudluliselwa kuye kwalityalwa.

Kodwa kuyinyani ukuba ukutshintshwa kweBizum ngokutshintshwa kusisindise kwinqanaba elithile, kuba kukho umda wenyanga ongenako ukugqithiswa. Ngeeakhawunti zebhanki, lelinye ibali. Enyanisweni, kukho amaxesha athile onyaka aqhelekileyo aziwa ngokuhlaziywa kweekhomishini zokugcinwa kwe-akhawunti yokutshekisha. Eyokugqibela yaba ngoJuni kwaye ngoku ngo September i-equation iyaziphinda, ngakumbi kwabo baxumi abanobudlelwane obuncinci kwiziko lezemali.

unikezela kubathengi

Ngokuqhelekileyo, ezininzi iibhanki ezisetyenziselwa ukuhlala zifuna ukuba i-payroll ibe ne-domiciled ukuze ingahlawulisi iikomishini kubaxhasi. Nangona kunjalo, la manyathelo aye aqiniswa kwamanye awo. Kangangokuba iyafuneka ngoku ubenonxibelelwano olukhulu kwezinye iibhanki ngezenzo ezifana nezi:

  • Ikhontrakthi yezinye iimveliso ezifana nokubambisa, iimali-mboleko, iingxowa-mali zotyalo-mali, izicwangciso zepenshini okanye i-inshurensi, phakathi kwezinye
  • Yiba ne ubuncinane bemali eseleyo kwiakhawunti
  • Yenza ukuthengwa ngekhadi letyala ngesixa esithile okanye wenze a ubuncinane beentshukumo ngaphakathi kwexesha elimiselwe liqumrhu

Ngoko ngoku kukho amaqondo amathathu obudlelwane kunye neziko:

  • Ukudibanisa ngokupheleleyo: iibhanki azihlawulisi nayiphi na ikhomishini
  • Ukudibanisa okuphakathi: ayizizo zonke iibhanki ezinolu hlobo lwekhonkco, kodwa abo benzayo, bahlawulisa iikhomishini eziphakathi kwe-60 kunye ne-120 ye-euro ngonyaka.
  • Akukho bonding: iibhanki zihlawulisa iikhomishini ukusuka kwi-45 ukuya kwi-240 euro ngonyaka
Iikomishini zokugcinwa kweakhawunti ngo-2021

Umthombo: ilungiselelwe ngabakwaRoams abavela kumaziko ahlukeneyo.

Unokufumana ulwazi oluninzi apha ukuba ufuna ukwazi ukuba ezinye iibhanki zikuhlawulisa njani iikhomishini.

Ngokutsho kwe-Association of Financial Users (Asufin), imibutho yezemali eye yandisa iikhomishini zabo kakhulu yi-Banco Santander, Ibercaja kunye ne-Kutxabank, abaye baqala ukuhlawula i-96 €, i-48 ye-€ 40 kunye ne-€ XNUMX ngokulandelelanayo xa kuthelekiswa nonyaka odlulileyo.

Ewe kunjalo, usenokufumana iibhanki ngaphandle komrhumo wokulungisa. Ngokuqhelekileyo, uninzi lwazo zezo zisebenza kwi-intanethi, phakathi kwazo i-Imagin, i-Openbank, i-Selfbank, i-Wizink, i-EVO Banco okanye i-neobanks Bnext kunye ne-N26.


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