Iiakhawunti zebhanki yenye yeemveliso zokonga ikakhulu ezenziwa ngabasebenzisi. Wonke umntu ubhalisile, ukuhambisa iindleko zakhe zasekhaya, ukufumana isixa somvuzo wabo okanye ukusebenza nje ngebhanki yabo yesiqhelo. Yimveliso yebhanki Kulula kakhulu ukuyisebenzisa kwaye loo nto ayifuni lwazi lwezezimali lukhethekileyo. Isenokuba ngumthombo wenzala kwimali eseleyo oyigcinileyo. Nangona ubuncinci bembuyekezo ngenxa yexabiso eliphantsi lemali yi-European Central Bank (ECB). Ngexabiso lale asethi yezinto kwi-0% nakwimbali esezantsi.
Onke amaziko asebhanki anemveliso enezi mpawu. Ngaphantsi kweefomathi ezahlukeneyoIiakhawunti zabantu abancinci, ezikwi-Intanethi okanye zabazisebenzelayo. Zininzi iiakhawunti zokujonga njengoko kukho abamkeli bale nkonzo yezemali. Kungenxa yokuba zibalulekile ekuqhubeni iintshukumo ezahlukeneyo zebhanki okanye ukufikelela kumakhadi etyala. ngetyala okanye ukutsala imali. Ngamafutshane, azinakuphoswa nangaliphi na ixesha. Nokuba yeyiphi imeko oyivezayo ngalo lonke ixesha.
Ngayiphi na imeko, enye yezona ngxaki ziphambili kule mveliso yezemali ibandakanya uthotho lweekhomishini ezinokuba yingozi kakhulu kwimidla yakho njengomsebenzisi. Ukuya kwinqanaba lokuba inokubandakanya inkcitho yonyaka phakathi kwama-20 nama-100 euros malunga. Nangona kunjalo, iindaba ezimnandi zezokuba ukusukela ngoku ungashenxisa le ndleko. Ke ngale ndlela, ubunini bayo abukuhlawuli i-euro enye. Ayizukuba ngumsebenzi onzima ukwenza kwaye kuya kufuneka ulandele uthotho lweengcebiso ezifanelekileyo kakhulu ukufezekisa le njongo uyifunayo.
Ungaziphelisa njani iikhomishini?
Ukuba ufuna ukuba ukusukela ngoku ungabinalo naluphi na uhlobo lwentlawulo, awuyi kuba nesisombululo ngaphandle kokutshintsha isenzo sakho njengomsebenzisi webhanki. Ngale ndlela, ezi zicwangciso kwizenzo zakho aziyi kuba luncedo kuphela ekupheliseni ezi ntlawulo zebhanki. Kodwa inokukunceda phucula inzala ezisebenza kuwe ngoku. Ngenxa yokuba umvuzo wabo uphantsi ngokwembali, kunye nembuyekezo engafane idlule amanqanaba e-0,1%.
Ukongeza, uya kuba nakho ukufumana uthotho lwe Iimveliso zebhanki mahala. Phakathi kwezinye zezona zinto zibalulekileyo ngamakhadi etyala, ukugqithiselwa kwelizwe kwaye kwezinye iimeko ukunikwa ikhontrakthi yomgca wetyala phantsi kweemeko ezithile. Oko kukuthi, ngesaphulelo sezishumi ezimbalwa zepesenti xa kuthelekiswa namaxabiso abo okuqala. Njengoko ubona ukusukela ngoku ukuya phambili, ungayolula iakhawunti yakho ngaphezulu kunokuba ubucinga kwasekuqaleni. Ngaba uyafuna ukungqina?
Iiakhawunti ngokutsalwa ngqo
Inkqubo yokuqala yokufumana iakhawunti ngaphandle kwekhomishini yenziwa ngombono womvuzo, ipenshoni okanye umvuzo oqhelekileyo. Yindlela yokuphelisa zonke iindleko ezichaphazelekayo ekuqeshweni kwemveliso yebhanki enjengale. Ukongeza, imbuyekezo kwiibhalansi ukuya kuthi ga kwi-5% inokuveliswa. Njengakwimeko ethile ebizwa njalo Iakhawunti yomrholo i-Bankinter ivelisele abathengi bayo. Ubuncinci bexabiso elijikeleze i-euro ezingama-1.000. Nokubanakho kokufumana i-overdrafti ukuya kuthi ga kwixabiso lomvuzo onxulumene neakhawunti. Kanye nokufikelela kuthotho lweekhredithi zikwimeko yokukhetha.
Enye yezona zinto ziluncedo kakhulu kule modeli yokudibanisa ibhekisa kwizibonelelo ezongezelelweyo zesi sicwangciso sentengiso. Phakathi kwabo, ukhetho lokurhuma ixesha ledipozithi ngesivuno esiphezulu kakhulu. Kuba ngokwenyani, olu hlobo lweakhawunti likuvumela ukuba wonge imali ngalo mveliso. Nangona inikwe amandla kuphela kwimilinganiselo emincinci kakhulu, ye ukuya kuthi ga kwi-10.000 euro malunga. Ngokumalunga nexesha elinomda kakhulu, ukusuka kwiinyanga ezimbalwa ukuya kuthi ga kunyaka omnye. Ngaphandle kokukwazi ukuvuselela ukuphela.
Iiakhawunti ezinikwe ikhompyutha kwi-intanethi
Enye ifomathi ephelisa iikhomishini ikwi-Intanethi. Yindlela elula nekhululekileyo yokwenza le mveliso yebhanki ibe semthethweni. Kwaye oko kuyonyusa kancinci inzuzo yayo, ngeshumi leepesenti ngokuthelekiswa neemodeli zesiko. Ngaphandle kwezinye iindleko kulawulo lwayo okanye kulondolozo lwayo ukuze ukugcina abasebenzisi kuqhubeke minyaka le. Ukuza kuthi ga kwinqanaba lokuba ziiakhawunti ezikhuthazwa ngamaziko emboleko kunye nokusasazeka okukhulu. Injongo yazo zonke iintlobo zabathengi, ezitsha nezidala.
Kwelinye icala, iiakhawunti ezikwi-Intanethi zigcina zonke izibonelelo kunye neenkonzo zesiko. Ngaphandle kokulahla ezi zibonelelo zisuka ngqo kumzuzu wokumiselwa ngokusemthethweni. Ukuze ngale ndlela, ufumaneke lawula ugcino ngezibonelelo ezikhulu. Unoluhlu olubanzi lweemveliso ezinezi mpawu, zombini ezivela kubhanki kwi-Intanethi nakwizinto zomzimba ukuze ukwazi ukuziqhelanisa nezona mfuno zisondeleyo.
Ukunyaniseka okukhulu kwabathengi
Iifomathi ezikwi-Intanethi zikwakhona kwezi modeli zolawulo. Eyona nto ifunekayo iya kubandakanya ikhontrakthi yeemveliso ezininzi ngebhanki yakho yesiqhelo. Phakathi kwazo, izicwangciso zepenshini, iimali-mali okanye i-inshurensi. Ngeli qhinga uya kuba nakho ukucothula zonke iindleko ezivela kwiakhawunti yakho yokonga. Kwaye kwangaxeshanye uyakufumana ezona meko zilungileyo zokusetyenziswa kweenkonzo eziphambili zebhanki. Iimveliso ezingaphezulu zekhontrakthi ziya kuyiphucula imeko yale akhawunti yokonga. Ukuphuhliswa kwale mveliso yemali kulawulwa yile filosofi.
Enye into ekufuneka uyiqwalasele ukusukela ngoku kukuba iikhomishini ezikolu hlobo lweakhawunti zisuswa ngonaphakade. Ubuncinane okoko nje uhambelana neemfuno ezibekwe kuwe ngamashishini ebhanki. Ngokususwa kwazo zonke iintlobo zekhomishini kunye nezinye iindleko kulawulo lwazo okanye kulondolozo. Oko kukuthi, iindleko zezi akhawunti ziya kuba zero. Ungazinciphisa njani ezi ndleko zicaphukisayo minyaka le ukusuka ekuqeshweni kwayo nayiphi na iakhawunti enale mpawu.
Ngenkonzo eyeyakho
Indawo yokugqibela ekungafuneki ukuba uhlawule i-euro enye kwiakhawunti yakho yokujonga thethana neemeko kunye nebhanki ngokwayo. Ukuze ngale ndlela bakunike unyango olukhethekileyo kubudlelwane bakho nequmrhu. Nangona kunjalo, ayingabo bonke abathengi abanokufikelela kule meko. Ukuba akunjalo, ngokuchaseneyo, kuphela ngabasebenzisi bebhanki ababalaseleyo. Ukuba kunjalo, siyavuyisana, kuba ukusukela ngoku uya kuzisiphula neengcambu ezi mali kwiakhawunti yakho yebhanki.
Ibango eliza kunyanzeliswa kuwe kwiiofisi zebhanki linokuba rhabaxa. Ewe kuya kufuneka unyibilike kakhulu kwaye ubonise ifayile yebhanki ecocekileyo. Ewe akufuneki ubekhona izikhundla zamatyala. Kwaye ukuba wenze isivumelwano nezinye iimveliso zebhanki (izicwangciso zepenshini, imali yotyalo-mali, iinkqubo zokonga okanye i-inshurensi) ngcono kunokuba ngcono ukukhusela umdla wakho. Kuba ekupheleni kosuku abayi kukuhlawulisa i-euro enye yokugcina iakhawunti yakho yokonga. Ngaphandle kwentsebenzo eveliswe yibhalansi ekhoyo kule fomathi.
Ukubhankisha kwi-Intanethi vs ukubhankisha ngokwesiko
Ewe kunjalo, enye into ekufuneka uyivavanye ukusukela ngoku kukuba ukubhenka kwi-intanethi kunokwenzeka ngakumbi ukuba kuphuhlise ezi ndlela zokonga. Kuba, enyanisweni, phantse kuzo zonke iimeko babonisa iiakhawunti ezikhululekileyo kwiikhomishini kunye nolunye uthotho lweendleko ezizezabo. Ngokusisiseko kuba ulawulo lwayo kunye nokufikelela kumxholo ukwifomathi ekwi-Intanethi kwaye ayizukufuna ubukho ngokwasemzimbeni Abasebenzi ukukunceda kwiinkqubo zolawulo. Ngayo, ukongeza ekuxolelweni kwezi nkcitho, iya kukuvumela ukuba ufumane eyona mbuyekezo ibhalansi ibhalansi iphakathi ikhoyo kwezi akhawunti.
Kwelinye icala, uya kuba nakho ukwazi umahluko webhalansi okanye iintshukumo zakho ngalo naliphi na ixesha kunye nemeko. Nokuba kunokwenzeka Xela nasiphi na isiganeko ukuze ube nako. Umzekelo, ilahleko okanye ukubiwa kwekhredithi okanye ikhadi lebhanki elinxulunyaniswa neakhawunti. Ngoncedo lokuba le misebenzi inokwenziwa nanini na emini, nokuba kusebusuku okanye ngeempelaveki. Ukuya kwinqanaba lokuba uya kuba kwimeko egqibeleleyo ukucima okanye ukuvimba enye imveliso yebhanki.
Ngayiphi na imeko, ukukhutshwa kwekhomishini sisicwangciso-qhinga sorhwebo uninzi lweebhanki zaseSpain ezikhethileyo. Ngesizathu esilula kakhulu sokuchaza kwaye esiya kwiimfuno zokwakha ukuthembeka kwabathengi. Ukuzama ukubathintela bangayi kwizibonelelo zentengiso ezenziwe kubo ngamanye amaziko emali. Ukuba yimilinganiselo yokuqala abayithathayo ukuze umsebenzisi ahlale kwindawo yakhe yesiqhelo. Ngayiphi na imeko, ikhatshwa lolunye uthotho lwamanyathelo, njengokunyusa inzala kwimali eseleyo okanye ukufumana amakhadi etyala okanye okuthenga ngetyala mahala. Nokuba kwimeko ethile, unokucela ukuhlawulwa kwangaphambili kwirhafu yenyanga yomvuzo wakho okanye umvuzo oqhelekileyo.