Iikhomishini ezintsha kunye nokuphatheka kwiiakhawunti zebhanki

Ukusuka kwiiveki nje ezimbalwa, abasebenzisi beebhanki banokuba nethamsanqa ngenxa yemigaqo emitsha yebhanki evunyiweyo sisigqeba saseSpain. Eyona njongo iphambili ye ukubona iiakhawunti zebhanki. Ukusuka kumanqaku amabini okujonga, kwelinye icala, isiphumo senkcitho yakho. Kwaye kwelinye icala, lula ukutshintsha iakhawunti yakho yokonga nangaliphi na ixesha ebomini bakho. Kuwo omabini la manqaku okujonga, akukho mathandabuzo okuba uya kuzuza ngokusetyenziswa kwemimiselo emitsha.

Enye yezinto zokuvunywa kwala manyathelo yile homologate kunye namazwe angabamelwane. Kwaye apho, kude kube ngoku, abasebenzisi baseSpain ngokucacileyo bebehlelelekile kwimidla yabo, njengoko uza kubona ukusukela ngoku. Kwelinye icala, uya kuba nethuba lokuqokelela olona lwazi lubalaseleyo ukuze uphume kubudlelwane bakho namaziko emboleko kakuhle. Into eza kuza iluncedo ekuphuculeni ukujonga i-akhawunti yakho eseleyo ekupheleni konyaka.

Ukusuka kolu luvo ngokubanzi, inoveli yokuqala eya kukuchaphazela ngokubhekisele kwi akhawunti yokulondoloza Kungenxa yokuba ukusuka kwiiveki ezimbalwa kuya kufuneka uhlawule iikhomishini ezingaphantsi kunye nazo zonke iindleko zolawulo nolondolozo zolu hlobo lweemveliso zebhanki. Ukuya kwinqanaba lokuba iya kuchaphazela bonke abasebenzisi, kunye nemfuno yodwa yokuba umnikazi we-akhawunti kwezi mpawu. Ayothusi into yokuba yonke into ejikeleze ezi ndaba zibalulekileyo yenzelwe le mveliso yemali. Akumangalisi ke ukuba yeyona iqeshwe kuyo nayiphi na iprofayili yomthengi. Ngaphezu kwabo bonke ngokuqinisekileyo ithandwa ngabo.

IiKhomishini: ukuya kuthi ga kwi-3 euro

Lixesha lokuba uyazi ukuba zeziphi iikhomishini oza kuba nazo ukusukela ngoku ukuqesha ii-akhawunti zebhanki ezisisiseko. Ummiselo omtsha ufuna amaziko emali abayi kuba nakho ukuhlawulisa ngaphezulu kwe-euro ezingama-3 ngenyanga. Okanye yintoni efanayo, ikepusi yonyaka ye-euro ezingama-36. Nangona ayisiyomali ifunwa ngokugqithileyo, ubuncinci iya kukunceda uqulethe inkcitho kwaye ube nemali eninzi kwibhalansi yakho minyaka le. Yinto eya kukunceda kuzo zonke iindawo zokujonga, njengoko uza kubona kula maxesha achanekileyo.

Ewe, ngaphakathi komxholo ngokubanzi oboniswe ziiakhawunti ezisisiseko, eyona nto intsha kukuba iibhanki azizukukugoba amazinga okuhlukumeza ngokwenene, njengoko kusenzeka ngoku ukuya kuthi ga ngoku kunye nekhomishini yeeakhawunti zokonga. Kungenxa yokuba enyanisweni, ukusukela ngexesha lokufaka kwayo abayi kuba nakho ukuhlawulisa nasiphi na isixa esihlawulisiweyo kwiakhawunti yakho esisiseko. Ukusuka kule ndawo yokujonga, akukho mathandabuzo okuba uya kuzuza kweli nqanaba. Kuba izikali zala maxabiso ziya kusuka kwi-zero ziye kwi-euro ezintathu.

Amabango kwiintlawulo ezingafanelekanga

Ngenxa yokusetyenziswa kwale milinganiselo yeebhanki, iibhanki azisayi kuphinda zikwazi ukugqitha kwinani lala manqaku. Kungenxa yokuba ukuba kunjalo, unokwenza ibango lelo xabiso ngokuqokelelwa okungafanelekanga kunye namaziko emali aya kufuneka buyela kuwe ngokukhawuleza ezi mali zikhankanywe ngasentla. Ngaphaya kwezinye izehlo ezinokuthi ziveliswe yile ndlela imbi yokubhankisha. Ayothusi into yokuba ukukhuthazwa kokubonakala elubala yenye yeenjongo eziphambili zokuphunyezwa kwalo mthetho mtsha. Ngaphezulu kokunye ukuthathelwa ingqalelo kobugcisa okuthathwe ekuphunyezweni kwayo

Nangona kunjalo, umhla wokusebenza kwale milinganiselo yebhanki awukachazwa. Ukuqikelelwa ukuba iya kufika nokuqala kokwindla, Ekupheleni kukaSeptemba okanye ngeentsuku zokuqala zika-Okthobha. Ngale ndlela, kuya kufuneka ulinde iiveki ezimbalwa ukuze iibhanki zingadluli kwi-euro ezintathu ekuhlawuleni iikhomishini zeeakhawunti zazo ezisisiseko. Ayothusi into yokuba sisicwangciso sokutshatisa amanye amazwe kwindawo esondele kuyo. Umzekelo, kwiintlanga zommandla we-euro. Ngale ndlela, awungekhe ulibale ukuba sisindululo esenziwe ngamaziko oluntu kwaye injongo yawo kukukhusela abasebenzisi beebhanki.

Ukuhanjiswa simahla kwiiakhawunti

Kuyo nayiphi na imeko, ukusikelwa umda kwiikhomishini zeeakhawunti zokonga kuphela kwendlela oya kuthi uyiqaphele kwiiveki ezimbalwa. Ukuba akunjalo, ngokuchaseneyo, inento yokwenza nenkululeko yokutshintsha iiakhawunti. Kuba ngoku, kuyacetyiswa ukuba unokufaka iakhawunti yakho yebhanki kwenye yeempawu ezifanayo simahla, ukuba le nkqubo ayinabugqithisi ngokugqithileyo ungagqithi kwiintsuku ezili-13. Ngokusebenza okufana kakhulu noko kweefowuni eziphathwayo. Oko kukuthi, uya kuba nezixhobo ezingakumbi zokutshintsha iiakhawunti kwaye uthathe ithuba kwizibonelelo ezininzi ezenziwa ziibhanki.

Ngayiphi na imeko, kukho umahluko omkhulu kuyo yonke le nkqubo kwaye yeyona ibhekisa kwinombolo yeakhawunti yangoku. Kuba ayizukufana, ukuba akunjalo ngokuchaseneyo baya kuba ngamanye amanani ahlukeneyo. Lo mbandela unokuba nenye ingxaki kwingxowa-mali ethe ngqo yamatyala onawo ngelo xesha. Umzekelo, lawo amanzi, umbane, irhasi, umnxeba okanye nayiphi na enye into. Akumangalisi ukuba ungabinaso esinye isisombululo ngaphandle kokubazisa ngotshintsho kwiakhawunti yakho yokutshekisha ukuze bakwazi ukwenza ngokusemthethweni iintlawulo ngenxa yezi nkonzo zekhaya.

Izinto eziluncedo zeli nqanaba

Kuyo nayiphi na indlu, ukuphuculwa kokungena kwiakhawunti yakho yokutshekisha kwelinye iziko kubandakanya uthotho lwezibonelelo ekufuneka uzithathele ingqalelo ukusukela ngoku. Ezinye zazo zichaphazeleka kakhulu kwaye zinokukunceda ulawule le mveliso yemali ngokuguquguquka okukhulu ukusukela ngalaa mhla sele ukhankanyiwe. Phakathi kwazo kukho izibonelelo ezilandelayo esizityhila apha ngezantsi.

• Uya kuba nefayile ye- inkululeko enkulu ukukhetha ukuba yeyiphi i-akhawunti esisiseko ekufaneleyo ngamaxesha onke. Ngaphakathi kwesithembiso esibalulekileyo esilungiselelwe wena ziibhanki kwaye zithengiswa phantsi kweendlela ezahlukeneyo kunye neenkonzo.
• Ukusukela ekuqaleni uya kuphelisa ezona ngxaki zibalulekileyo zibandakanya oku phatha iakhawunti yangoku. Ukuze ngaloo mathuba lo msebenzi ungakuhlawulisi rhafu okanye ubuncinci isigqibo osenzileyo malunga nale mveliso yemali sinokuhlala sihleli.
• Unokwenza lo msebenzi yenza amaxesha amaninzi kangangoko ufunaNgamanye amagama, ngendlela engenamda kwaye apho isigqibo sakho sokukhetha leyo uyithathela ingqalelo njengeyona akhawunti ikhoyo ngoku ukukhusela iimfuno zakho ziya kuqhubeka.
• Esi sisicwangciso esisebenzayo nesiza kukunceda yamkela unyuselo ukuba iibhanki bezikhuthaza. Iimodeli ezinobundlongondlongo apho iinkonzo kunye nezibonelelo ezininzi zibandakanyiwe.
• Awuzukugcina naliphi na ixesha lokuba sisigxina. Kodwa ngokuchaseneyo, unokutshintsha iakhawunti yakho yebhanki ngalo naliphi na ixesha nangomhla ocinga ukuba ufanelekile. Ngaphandle kwezithintelo zalo naluphi na uhlobo kwaye ngaphandle kokurhoxisa iinkonzo ezivela ekuqeshweni kwakho.

Iluchaphazela njani umdla?

Kwelinye icala, ukuphunyezwa kwale milinganiselo akunanto yakwenza nenzuzo yokuqeshwa kwayo. Iya kuhlala injalo kude kube ngoku, ngaphandle kwalo naluphi na uhlobo lokwahluka. Ngenxa yokuba inzala yeeakhawunti zangoku ayinanto yakwenza nekhomishini kunye nezinye iindleko kulawulo lwazo okanye kulondolozo. Zizinto ezahluke ngokupheleleyo kwaye kuyo nayiphi na imeko, kuya kufuneka bahloniphe umvuzo abakunika wona ngexesha lotshintsho. Ngamaxesha onke siphantsi kwemida yorhwebo ebuthathaka ngenxa yokwehla kwexabiso lemali elenziwe ngamaqumrhu asekuhlaleni.

Ukusuka kolu luvo, isiphumo esiphambili oya kusibona ngokusetyenziswa kwale nyathelo intsha yokubhankisha kukuba inzuzo yokwenene eveliswe yile mveliso iya kuba phezulu. Ngenxa yoko Ukupheliswa kwezi ndleko Kuncinci okufunwayo kwicala lakho kwaye banokufikelela kwi-100 okanye kwi-200 ye-euro minyaka le. Ngoku loo mali izakuhamba iphelele ukuze ubenakho ukuyifumana kule mveliso yebhanki kulawulo lwemali oyigcinileyo. Oko kukuthi, uya kuba nemali eninzi ukusuka kuloo mzuzu kanye. Ayisiyonto ingako, kodwa iya kunceda ukuhlawula ezinye iindleko ekhaya okanye ikunike i-whd yobuqu engaqhelekanga.

Ngayiphi na imeko, kulunge kakhulu ukuba uhlalutye ukusukela ngoku ukuya phambili ukuba zeziphi iimeko zekhontrakthi zeakhawunti yakho yobuqu ukumisela ukuba kuyinzuzo na okanye akunjalo ukutshintsha le mveliso yemali. Kuba inokuba ngumsebenzi wasimahla, kodwa kuthatha ixesha onokuthi ulinikele kweminye imisebenzi okanye imisebenzi. Kuba amaxesha amaninzi isisombululo sale ngxaki asikokutshintsha iiakhawunti, kodwa kukuthetha-thethana nebhanki yakho yesiqhelo. Soloko isekwe kwimidla yakho yobuqu, eyona nto iphambili ngoku malunga nayo. Ngayiphi na imeko, ziindaba ezimnandi ukukhusela isikhundla sakho njengomsebenzisi webhanki.