Iakhawunti yobungcali: ngaphandle kwekomishini kunye neenkonzo ezingaphezulu

Iakhawunti yobungcali yimveliso ekhoyo ekuboneleleni ngawo onke amaziko emboleko kunye nophawuleka ikakhulu ngenxa yokuba isebenza lawula imali kwimisebenzi yobungcali Abasebenzisi. Yenzelwe oosomashishini, ubugcisa obunenkululeko kunye nabantu abaziqeshileyo kwaye iyindlela esebenzayo yokulawula ingeniso kunye nenkcitho yezi profayile zabathengi kwimveliso enye yebhanki.

Ukuthengisa iakhawunti yobungcali, iibhanki ziyinikela simahla kwiikhomishini kunye nezinye iindleko kulawulo okanye kulondolozo lwayo. Kodwa kuyo nayiphi na imeko, kuyafuneka ukuba kuhlangatyezwane nothotho lweemfuno zokwenza ngokusesikweni. Enye yezi mfuno ihamba yiza nengeniso yobungcali ukwamkelwa ezilingana okanye ezingaphezulu kwe-1.000 XNUMX euros net ngenyanga.

Kwezinye iimeko, le miba yesivumelwano iya isiba nzima kunye nemfuno yokuhlala okungenani amatyala amathathu kwikota. Iidipozithi ezisemthethweni kwiAkhawunti yoBuchule zezo zenziwe ngetshekhi okanye ngokhutshelo, ukuthunyelwa kunye neeterminal zePOS. Akukho nanye kwezi meko evunyelweyo ukuba ihambelane nentshukumo zobuqu zabanini bayo.

Iakhawunti yobungcali: zinjani?

Enye yezinto ezikhethekileyo kule klasi yeeakhawunti zebhanki kukuba bavumela umnini ngamnye ukuba abeneeakhawunti ezimbini zezi mpawu zibhalisiweyo. Logama nje zithobela iimfuno ezifanayo kwaye zazise iziko lezemali ngale nyani. Ngelixa kwelinye icala, ziiakhawunti eziqhelekileyo awunamvuzo ubonakalayo kwaye inzala ibika ukuba ingagqithi kwi-0,10% kwezona meko zilungileyo. Nangona kutshintshiselana ngeenkcitho ukususela kumzuzu wokukhutshwa kwayo.

Inqaku elinye elenza ukuba le mveliso yemali ingaphazanyiswa kukuba incwadi yokutshekisha inokucelwa simahla kulapho abanini bangenza khona iindleko zabo zobungcali. Xa uyiqesha, ihamba ne- ikhadi letyala okanye letyala isimahla indleko ekukhutshweni nasekugcinweni kwayo. Ukusuka apho unokutsala khona imali kwii-ATM. Kananjalo, kwezinye iimeko, umgca osisigxina wekhredithi ukuya kuthi ga kwi-10.000 euros. Ngokubuya okungaguqukiyo okanye ipesenti kwityala lilonke, ubuncinci yi-3%.

Bonisa umsebenzi kwikota nganye

Ngayiphi na imeko, iakhawunti yobungcali kufuneka isebenze kwinxalenye elungileyo yonyaka. Oko kukuthi, yenza okungenani iintshukumo ezintathu zokuhlawula ngekota nganye. Ukusukela ukuba le mfuno ibekiweyo ziibhanki ayifezekiswa izakurhoxiswa ngokuzenzekelayo ngabo. Kwelinye icala, yimveliso ekuvumela ukuba uphephe ii-overdrafti (ukuya kuthi ga kwi-euro ezingama-500) kwiakhawunti. Ukuze ngale ndlela, le ntshukumo ayihlwaywa, njengoko kusenzeka kwezinye iintlobo zeeakhawunti zebhanki ezijolise kwamanye amaqela entlalontle.

Kufuneka kuqatshelwe ukuba le fomathi yeakhawunti ivelisa ezinye izibonelelo eziya kuba luncedo kakhulu kubanini bayo. Phakathi kwazo, kunokwenzeka ukufikelela kwizixhobo ezenzelwe ngokukodwa iingcali okanye oosomashishini, ezinje ngemithombo yezemali eyilelwe ngokukodwa ukwanelisa iimfuno zabo zokuhlawula amatyala abo kugcino lwamashishini abo. Njenge iingcebiso ezizodwa ukuhlangabezana nazo zonke iimfuno zeshishini lakho. Olunye ukhuthazo olusetyenziswa ziibhanki kwintengiso yazo ligalelo loko kubizwa ngokuba yi-inshurensi yeshishini. Ngeeprimiyamu ezingaphezu kwe-euro ezingama-1.000 XNUMX ngonyaka kwaye oko kubandakanya eyona nkxaso ibalulekileyo kwiinkampani ezincinci neziphakathi. Ngelixa lokugqibela, bayashenxisa inkcitho kwiitsheki kunye namanqaku ezithembiso, ugqithiselo kunye nezinye iintlobo zeemveliso zemali. Ngayiphi na imeko, icandelo ngalinye libonelela ngomnye umqondiso wesazisi wokwahlula ngokwawo kukhuphiswano.

Izibonelelo zale mveliso

Ngayiphi na imeko, iiakhawunti zobuchwephesha asiyomveliso ejolise kuzo zonke iiprofayili zabathengi. Ukuba akunjalo, ngokuchaseneyo, zenzelwe ukuba zichazwe kakuhle kwaye ziingcali okanye abasebenzi abaziqeshileyo abafuna ukuba nezixhobo zebhanki zokuphuhlisa iintshukumo zabo zebhanki. Ngemveliso eyanelisa iimfuno zabo ngokubanika ezona nkonzo ezifanelekileyo kunye nezibonelelo zomsebenzi wabo wobungcali. Kwezinye iimeko, nangokhetho lokugcina imali minyaka le ngeekhomishini kunye nezinye iindleko kulawulo lwayo okanye kulondolozo. Bakhangela ntoni emva kwayo yonke loo nto.

Kule meko ngokubanzi, iiakhawunti zebhanki ezinobuchule sisixhobo esisebenzayo apho unokulawula khona imali yakho, ubhatale abasebenzi bakho okanye uhlawule izavenge zenyanga zemigca yakho yamatyala. Ngokusebenza ngakumbi kunokujonga okanye ukugcina iiakhawunti ngeendlela zesintu okanye eziqhelekileyo. Apho izinto zebhanki zibonelela ngakumbi ngeenkonzo ezithile kunye nezibonelelo ezijolise kule nxalenye yemveliso yelizwe laseSpain.

Njengayo enye imveliso esandula ukwenziwa enezinto ezintsha kakhulu ekukhawulweni kwayo, ezinje ngokudluliselwa kwangoko, ezifunekayo kwinani elifanelekileyo lamatyala ziingcali okanye abasebenzi abaziqeshileyo. Kwaye siza kuchaza ngokweenkcukacha ukuba banjani kwaye yintoni umsebenzi kunye noomatshini. Ukuze ukwazi ukuzisebenzisa ukusukela ngoku uye ngokusekwe kwiimfuno zakho zokwenyani kwishishini lakho okanye kwimisebenzi yobungcali. Kungenxa yokuba bebekwiimarike zebhanki ixesha elincinci kwaye kufuneka uyazi ngcono le modeli yentlawulo.

Ukutshintshwa kwangoko

Ukutshintshwa kwangoko sesinye sezona zisombululo zisemgangathweni xa kufuneka ukuthumela imali kwiqela lesithathu. Akunakulityalwa ukuba ukuhanjiswa kweebhanki yintshukumo eqhelekileyo yokuhlawula, ukuhlawula amatyala okanye ukuhlawula umrhumo werhafu yekhaya. Kodwa ukubuyela umva kule ntengiselwano yemali kukuba ihlala ithatha phakathi kosuku olunye ukuya kwezi-1 de ibe ifunyenwe ngummkeli. Inyani ethi ngamanye amaxesha idale izehlo ezingafunekiyo kwicala labasebenzisi bebhanki.

Ukulungisa esi siganeko kuhanjiso oluqhelekileyo, ukuthunyelwa kwangoko kuyilelwe, okuhlala kunciphisa ukusebenza kwimizuzu embalwa. Iziphumo ezingxamisekileyo kukuba ukuhanjiswa kwemali kuya kwenzeka phantse ngexesha lokwenyani. Le yeyona njongo iphambili ekuthiwa kukudluliselwa kwangoko okwenziwa ngokusesikweni ngenkqubo ye-TIPS (ekujoliswe kuko ekuhlawuleni ngokukhawulezaOkanye yintoni enye, intlawulo kwangoko. Ngale ndlela, imali ethunyelwe ngabathengi iya kufikelela kwindawo abaya kuyo kwakamsinya.

Zisebenza njani?

Ngaphandle kokubonakala kwasekuqaleni, le nkqubo ayiphuhliswanga ngokukodwa kwimisebenzi eyenziwa kwizixhobo zobuchwephesha (iselfowuni, macwecwe, njl.). Kodwa ngokuchaseneyo, igcina amajelo emveli ezinye iinkqubo zokuhambisa. Oko kukuthi, ukusuka kweyakho Isebe lebhanki okanye ikhompyuter yakho. Ukuba ukhetha olu khetho lokugqibela, uya kuba nethuba elihle lokuba ukusebenza kunokwenziwa nangaliphi na ixesha losuku, nangeempelaveki. Ngenxa yesidingo sabathengi sokujongana nentlawulo yongxamiseko ngeli xesha leveki.

Kwelinye icala, akukho mfuneko yokufikelela kule nkonzo yebhanki, vele uqiniseke njengomthengi weziko lezemali apho ukonga kufakwe khona ngeakhawunti yokutshekisha okanye ezinye iimveliso ezineempawu ezifanayo. Le nkonzo ibandakanya iindleko zamashishini Iisenti ezingama-0,20 nge-euro nganye kusebenziso ngalunye, nangona luya kuxhomekeka kwisigqibo sakho ukuze isixa sinokuthi okanye singawi kumthengi.

Ikwaveza umohluko ocashileyo, ngokubhekisele kugqithiso oluthathelwa ingqalelo njengesiqhelo, kwaye loo nto ayizukubakho nomlamli kule nkqubo yemali. Ukuxhamla omabini amaqela aya kuba kwimeko yokuhlangabezana neenjongo zawo.

Iimali zentengiselwano

Enye into ekufuneka ivavanywe kukhutshelo lwangoko kukuba kukho izithintelo ngokunxulumene nesixa semali ethunyelweyo. Le ndlela yokuhlawula ivumela intshukumo kwiakhawunti enokufikelela kwi ubuninzi be-euro ezili-15.000. Ngesibonelelo esongezelelekileyo sokungasayi kulinda nasiphi na isaziso sokuba ukuthunyelwa kwenziwe ngokuchanekileyo kwaye kufikelelwe kumamkeli. Kuba kwangaxeshanye i-odolo inikwa, kuya kwaziwa ukuba umsebenzi wenziwe ngesiqhelo.

Lo ngumsebenzi owenziwe ukuba usebenze kumazwe angamalungu eManyano yaseYurophu kwaye ke uya kwenziwa ube semthethweni kwii-euro. Nangona kunjalo, akukho nzima kakhulu ukufikelela kwisivumelwano kunye neebhanki ukuze ziveliswe kwezinye iimali zamanye amazwe: Iiponti zaseBritane, iidola zaseMelika okanye iifranc zaseSwitzerland. Kule meko, kuya kufuna isaziso ebhankini ukuveza ezi mfuno zabathengi kwaye kwimeko leyo iya kuba nesicelo se- ikhomishini yotshintshiselwano lwemali Amanqanaba aphakathi kwe-0,20% kunye ne-1% yenani lilonke lotshintsho, kuxhomekeke kwiziko ngalinye lezemali. Oko kukuthi, ngumbutho oya kohlwaywa ukuba ufuna ukuthumela imali kwamanye amazwe angekho kummandla we-euro, njenge-United States, i-Great Britain okanye iMexico.


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