Iiakhawunti ngaphandle kokuthunyelwa

iibhili

Ewe kunjalo, iiakhawunti ngaphandle kokuthunyelwa yenye yeenjongo zabasebenzisi bebhanki. Ke ngale ndlela, uluhlu olupheleleyo lweekhomishini kunye nenkcitho zigcinwa kulawulo nakulondolozo lwayo. Ukuya kuthi ga ngoku, ngokobalo olwenziwe yimibutho yabathengi yesizwe, kunokuba njalo gcina umndilili we-100 euro ngonyaka. Njengoko iyimveliso esisiseko yebhanki, akunakwenzeka ukuyenza ngaphandle kwesi sixhobo abathengi kufuneka basebenzisane neziko labo lezemali. Nangona kukho zonke iintlobo kunye nendalo: kubantu abancinci, abaziqeshileyo okanye ngaphezulu kweminyaka eyi-65.

Okwangoku, ukunikezelwa kweebhanki kubanzi kangangokuba onke amaziko anemveliso yezi mpawu. Nangona kunokuba kunjalo ukuze uxhamle kwezi meko kufuneka ukuhlangabezana neemfuno ezininzi ukuba phantse lonke lihamba ngokunyaniseka kwabathengi. Ngayiphi na imeko, enye yeenjongo zakho kukuchonga le mveliso yebhanki ukuze uyirhumele ukususela ngoku. Okongiweyo ovelisa kwesi sixhobo sebhanki kukhulu kunangaphambili.

Iiakhawunti ziikomishini ziyimveliso eqhelekileyo, ayicingi ngokungafaniyo ngokubhekisele kwelinye udidi lweemodeli. Banomvuzo ofanayo kwaye kuyo nayiphi na imeko kubaluleke kakhulu. Ngenxa yexabiso eliphantsi lemali elikhuthazwe yi-European Central Bank (i-ECB) kwaye ekhokelele kumyinge wayo ophakathi wonyaka malunga ne-0,1%. Elinye lawona manqanaba asezantsi kule minyaka idlulileyo kwaye oko kukhokelele ekubeni singabi sisixhobo esoneleyo sokwenza ukonga kunenzuzo.

Iiakhawunti ngaphandle kweeKhomishini: zinjani?

Ewe, ezi ntlobo zeeakhawunti zokonga zibonakaliswa ikakhulu zizinto abazibonelelayo izibonelelo ezifanayo ngaphezu kwazo zonke iintlobo zeeakhawunti zebhanki, ngaphandle kwemeko. Ukusuka kweyona misebenzi ixhaphakileyo, enjengokudluliselwa, ukuhlawula ngqo amatyala asekhaya okanye ukwenza ikhontrakthi kulo naluphi na uhlobo lwekhredithi okanye amakhadi etyala ekufikeleleni kwiimveliso eziphambili ezilungiselelwe ukonga, njengakwimeko ethile yedipozithi yekota. Ngale ndlela, iakhawunti yokonga eqhelekileyo.

Kwelinye icala, ngokubanzi bavelisa ifayile ye- isivuno sokonga engadluli kumanqanaba e-0,1%. Intsalela yeakhawunti eyahlawulwa. Nangona kunjalo, kwiNgxowa-mali yeMali yeHlabathi (i-IMF) balumkisa ngomngcipheko wesicwangciso-qhinga semali. Ukuchaza kutshanje ukuba "amaxesha enzala asezantsi akhokelela kwisilingo sokuthatha umngcipheko ongaphezulu kunokuba kufanelekile." Ngayiphi na imeko, isenokuba sesinye isikhuthazo sokuqesha kubo ukusukela ngoku.

Iindlela zokuphelisa

indleko

Ngayiphi na imeko, uhlala uneenkqubo ukuze ezi akhawunti zikhululwe kwiikhomishini nakwinkcitho kulawulo nakulondolozo lwabo. Ukusuka kolu luvo, unalo phambi kwakho uthotho lwezicwangciso zokususa inkcitho eveliswe yiakhawunti yezi mpawu. Enye yezona zinto ziqhele ukwenzeka zizinto ze ukuqesha iakhawunti ekwi-Intanethi. Zonke azinazikhomishini kunye nezinye iindleko. Ukongeza, bayakuvumela ukuba uwonyuse kancinci umvuzo wakho, ngesishumi sepesenti xa kuthelekiswa nezinye iimodeli zolondolozo.

Banelungelo lokuba ungabenza ngokusesikweni kakuhle ekhaya okanye enye indawo. Ukusuka kwikhompyuter yakho okanye esinye isixhobo setekhnoloji. Kuwo onke amaziko asebhankini zibandakanya enye yezi akhawunti kwisibonelelo sabo. Ukuze ukwazi ukunxibelelana nebhanki yakho yesiqhelo ngamancedo amakhulu kwaye ngaphandle kokuthatha nayiphi na inkcitho ukususela ekuqaleni. Kuba zigcina zonke izibonelelo ezibandakanya ezi mveliso zebhanki kwaye kukho amabango amakhulu kubhaliso lwabo.

Umvuzo ohlawulwa ekhaya okanye enye ingeniso

Ukuba uqhagamshela umvuzo, ipenshini okanye enye ingeniso yesiqhelo kwiiakhawunti ezibizwa ngokuba yi-payroll account, uyakufezekisa le njongo inqwenelekayo, eyokugcina zonke iindleko ezivela kulawulo lwayo. Kuba, enyanisweni, zonke ezi fomathi kwiiakhawunti zinayo le nkonzo yebhanki. Ukongeza, ezinye izibonelelo ezinokuba luncedo kakhulu. Umzekelo, ukunikezelwa kwekhontrakthi kwirhafu yezavenge nge ukubuya ngegama ngonyaka ukuya kuthi ga kwi-5%. Inzala ongayifumaniyo kwiidipozithi eziqhelekileyo ukuba iibhanki zithengisa ngalo mzuzu kanye.

Kwelinye icala, olu hlobo lwesicwangciso esikhethekileyo sikwenza ukuba ufikelele kuthotho lwezibonelelo kunye nezibonelelo zebhanki eziluncedo kakhulu kwimidla yakho. Umzekelo, ukufumana yamakhadi okanye iakhadikhadi Kusimahla, ukwenza ugqithiselo lukazwelonke akuyiyo intlawulo okanye kwanokufikelela kuhlobo oluthile lwetyala ngendlela ekhethekileyo. Nangona kunjalo, amanye amaziko afuna ukunyaniseka okukhulu ngokufuna ukuba uhlawule amatyala aphambili asekhaya (amanzi, umbane okanye igesi, phakathi kwezona zibalulekileyo). Kodwa endaweni yokufumana iimeko eziluncedo kakhulu kuwe nakwakho.

Nika iprofayili njengomthengi olungileyo

umthengi

Alithandabuzeki elokuba ukuba ngumthengi webhanki obalaseleyo unezibonelelo zayo kwaye enye yezona zinto zibalulekileyo kukuba ukusukela ngala mzuzu awuzukuhlawula enye i-euro kulawulo kunye nokugcinwa kweeakhawunti zakho. Ngale ndlela, unako ukongeza imali qho ngonyaka. Nangona kuyinyani ukuba akunjalo ngandlela ithile, ubuncinci ukuhlawulela into encinci ngebhaso ngeli galelo ulibonisayo kwiiakhawunti zakho zebhanki. Apho kuya kufuneka uthethathethane nebhanki yakho yesiqhelo ukuze ukusukela ngelo xesha ungahlawuliswa ngeakhawunti evulekileyo.

Kwelinye icala, akukho lula ukuba uyijongele phantsi into yokuba ukuba ngumthengi olungileyo webhanki kuyakuvumela, hayi kuphela ukukuxolela ekuhlawuleni iikhomishini kwiiakhawunti zangoku. Kodwa uya kuba nonyango olukhethekileyo xa ungena kwezinye iimveliso zebhanki. Phakathi kwabo imigca yetyala, i-inshurensi okanye izicwangciso zepenshini, phakathi kwezinye zezona zibalulekileyo. Esi sisicwangciso onokuthi usisebenzise ukuba unayo ibhalansi ephezulu kakhulu Kwiakhawunti yakho, awuna matyala kwiziko kwaye ubudlelwane bakho bumanzi kakhulu. Ayingabo bonke abasebenzisi abanokufaka isandla kwezi mpawu, kodwa ukuba le yimeko yakho, Siyavuyisana, kuba uya kufumana izibonelelo ezininzi ukusukela ngoku.

Unikelo ngeebhanki

Njengoko iiakhawunti yenye yezona mveliso ziqhelekileyo, ayothusi into yokuba icandelo elikhulu lebhanki lisungula uthotho lwezibonelelo malunga nale mveliso. Apho iidinomineyitha kuzo zonke kukuba iikhomishini kunye nezinye iindleko kulawulo nakulondolozo lwazo ziyacinywa. Kufuneka uye kumaphepha ewebhu ukuba amaziko emali kufuneka ujonge ukuba uneakhawunti enezi mpawu. Nokuba ku zenziwe phantsi kweendlela ezahlukeneyo ezinokuhlengahlengiswa kwiprofayili oyivezayo njengomsebenzisi.

Ludidi lweeakhawunti ezenzelwe zona ngokukodwa kubathengi abatsha kwaye ezo zinamancedo anokuba luncedo kakhulu kwimidla yakho. Kuya kufuneka ukhangele imodeli ekufaneleyo ukuba uyisebenzise kule fomathi. Kuba iakhawunti nganye yahlukile kuba kuhlala kukho umahluko omncinci owahlulahlula kukhuphiswano. Ayothusi into yokuba iyimveliso yesininzi kakhulu enezixhobo ezininzi ukuze ikunike umdla ngexesha elithile. Ngaphandle kweenkonzo ekubonelela ngazo.

Iiakhawunti ezihlawula kakhulu

dinero

Olu didi lweeakhawunti luyilelwe ngokuxolelwa kwiikhomishini. Kodwa ngoncedo olongeziweyo lokuba ine eyona ntlawulo iphezulu kunabanye. Kungenxa yokuba bakunika i inzala yonyaka kunye ne-avareji engaphezulu kwe-1%. Nangona banokunyanzelisa ezinye iimfuno zakho, ezinje ngokugcina ibhalansi efanelekileyo yeakhawunti okanye ukubhalisela ezinye iimveliso zebhanki (izicwangciso zepenshini, imali yotyalo mali okanye iinkqubo zokonga). Ngayiphi na imeko, yenye yeendlela ezilula onazo ngalo mzuzu ukuze iakhawunti yakho ingakubizi i-euro enye ukusukela ngoku.

Njengoko sele ubonile, ukupheliswa kwekhomishini kwiakhawunti yakho yokutshekisha ayingomsebenzi onzima kakhulu ukwenza ngokusemthethweni. Kodwa ngokuchaseneyo uneendlela ezahlukeneyo zokufikelela kule njongo, ukuqala kuyo iindlela ezahlukeneyo zeshishini. Kuya kufuneka ukhethe eyona uyithandayo kwaye ukusukela ngelo xesha ugcine ii-euro ezimbalwa kwimirhumo yolawulo. Kwaye okona kubaluleke kakhulu, ngaphandle kokunikezela ngenkonzo okanye isibonelelo oqhele ukusisebenzisa.

Awungekhe ulibale ukuba esi sisicwangciso esenziwe ziibhanki njengefomula yokutsala okanye yokugcina abathengi. Apho oyena mntu ufumana indlalifa ephambili ukusukela ekupheleni konyaka ngamnye uya kuba nemali engaphezulu kwiakhawunti yakho yokonga. Nokuba yeyiphi imodeli yeakhawunti oyiqeshileyo okanye ifomathi yayo. Ayothusi into yokuba yimodeli ejolise kuwo onke amacandelo ezentlalo, ukusuka kwabancinci kuye kwabadala. Ngaphandle kokukhutshwa kwalo naluphi na uhlobo ukuze ukwazi ukwenza yonke imisebenzi kwesi sixhobo sebhanki.


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  1. Uxanduva lwedatha: UMiguel Ángel Gatón
  2. Injongo yedatha: Ulawulo lwe-SPAM, ulawulo lwezimvo.
  3. Umthetho: Imvume yakho
  4. Unxibelelwano lwedatha: Idatha ayizukuhanjiswa kubantu besithathu ngaphandle koxanduva lomthetho.
  5. Ukugcinwa kweenkcukacha
  6. Amalungelo: Ngalo naliphi na ixesha unganciphisa, uphinde uphinde ucime ulwazi lwakho.