Zithini iiakhawunti ezihlawulwayo?
Omnye iakhawunti ehlawulweyo inokuchazwa njenge mveliso we zemali isekela ukusebenza kwayo ngokunyanzelwa kwesixa esithile ebhankini okanye kwiziko esiya kuthi ngalo sifumane inzala yemveliso ekhethekileyo ukuba imali yethu ifakwe apho. Ezi ntlobo zeeakhawunti zibonelela ube nethuba lokukwazi ukulahla imali yakho (ukurhoxisa imali, ukwenza ugqithiso njl.) Kodwa ayizizo zonke iintyatyambo, kuba inzuzo engezantsi abayinikezelayo ililize.
Ukukhetha Ezona akhawunti zibhatalwa ngcono kusebenza imigaqo ethile esisiseko, phakathi kwazo ezi zinto zilandelayo ziyabonakala:
- Inzuzo Kuya kufuneka ujonge iakhawunti ehlawulelwayo enikezela ngenzala ephezulu kwimali oyibekayo. Kule nto kufuneka uthelekise izibonelelo ezinikezelwa ziibhanki.
- Inzuzo ekuhambeni kwexesha. Ngokufanelekileyo, khetha iakhawunti ehlawulelweyo egcina imbuyekezo ephezulu kwelona lide. Kuba ngokubanzi olu hlobo lweemveliso zemali lubonakaliswa ngokunikezela ngembuyekezo ephezulu kwiinyanga zokuqala ukubamba umthengi kunye nokusebenza kancinci kwezi nyanga zilandelayo.
- Ukuhlawulwa kwenzala. Ukuhlawulwa komdla kusetyenziswa kubhalansi ophakathi. Kungenxa yoko le nto, ukuba intlawulo yenziwe inyanga nenyanga, inzala eqokelelweyo isetyenziswa kumyinge ophakathi oshiyekileyo kwaye imali yethu iya kukhula inyanga nenyanga.
- IiKomishini.Zama ukuphepha ukumiselwa kweekhomishini ezinje ngesondlo okanye ulawulo. Ukuphakama kwezi khomishini, isezantsi inzuzo kwaye siya kufumana imali eninzi yolondolozo lwethu.
- Iinkonzo ezihambelanayo. Esinye sezibonelelo eziphambili zeeakhawunti ezihlawulelweyo kukuba zikunika ithuba lokuba nemali yakho. Isizathu sokuba, kufuneka siqwalasele ngokuthe ngqo izinto eziya kuhlawulwa yibhanki ngokwenza iinkqubo, ezinje ngokudlulisa okanye ukukhupha imali.
- Musa ukuqhagamshela amakhadi etyala okanye ubole imali ngqo. Abo bafuna imveliso yokonga kwiakhawunti ehlawulelwayo kufuneka baluphephe olu nxibelelwano. Ukwenza amatyala ngqo kunye neentlawulo sele kukho ezinye iimveliso kwintengiso, kwaye ukuba imalunga nokonga, ukuhlawula amatyala akho akuyi kuba lolona khetho.
Fumana ifayile ye- inzuzo engcono Umngcipheko-ngaphandle komngcipheko ube ngumsebenzi onzima kubathengi. Kodwa ke olona khetho lubalaseleyo nge-10 yeyona nzuzo ilungileyo yeeakhawunti ezihlawulelweyo zidwelisiwe.
Olu luhlu lulandelayo lubonisa ukuba iiakhawunti ezihlawulwayo enikezelwa ziibhanki ukusukela ngo-Epreli 2017.
I-TOP 10 yee-akhawunti ezihlawulwa kakhulu eSpain:
Iakhawunti 1 | 2 | 3 yeBanco Santander
Banco Santander
- Ukubuyiselwa kwemali ukuya kuthi ga kwiipesenti ezi-3 zetyala elithe ngqo
- Ukuhanjiswa simahla
- Iakhawunti yokuHlawula kwi-5% APR
- I-3% APR ngaphandle komda wexesha
Iakhawunti yeBhanki
Ibhanki yeBhanki
- Imbuyiselo yesi-2% kwizinto ozithengileyo ngezavenge
- Ukuhlawulwa kwangaphambili ukuya kuthi ga kwi-6.000
- I-5% APR kunyaka wokuqala
- Akukho khomishini
Ukubala okungama-360º
IBhanki yaseCajamar
- Akukho mrhumo wolondolozo
- Wamkelekile kwiakhawunti
- Ukuya kuthi ga kwi-3% APR, kuxhomekeka kwiimeko
Iakhawunti yebhanki evulekileyo
Ibhanki evulekileyo
- Ngaphandle kwesigxina
- Akukho khomishini
- I-1,75% i-NIR iinyanga ezintathu
- Ukuya kuthi ga kwi-0,40% ye-NIR ukusuka kwinyanga yesi-4
Akhawunti enye
KwiBhanolanum Bank
- Akukho khomishini
- Amakhadi asimahla
- I-1,75% i-NIR iinyanga ezintathu
I-akhawunti ye-ING ngqo ye-Orenji
ING ngqo kwiBhanki
- Umsebenzi we-100% kwi-Intanethi
- Akukho khomishini
- 1,00% APR iinyanga ezi-2
- I-0,10% APR ukusukela kwinyanga yesithathu
Iakhawunti yokonga yeWiZink
Ibhanki yeWiZink
- Akukho mali incinci
- 0,50% APR
- Idiphozithi enxulunyaniswa ne-0,75% APR
- Akukho khomishini
Iakhawunti yeCoinc
Coinc Bank
- 4% isipho kwi-Amazon.com
- Akukho khomishini okanye bonding
- 0,30% APR
- € 15 isipho xa ubhalisa
Iakhawunti ye-Evo Smart
Ibhanki ye-Evo
- Ii-ATM zasimahla ngaphandle kwentlawulo kulo lonke elaseSpain nakwihlabathi liphela
- Akukho khomishini
- I-0,30% APR kwiakhawunti yokonga
- 2% isaphulelo kwiGALP
Iakhawunti yediphozithi Ngakumbi
Ngqo kwiBhanki yeOfisi
- 1% APR, kwiinyanga ezi-4 zokuqala
- Akukho khomishini
- Kwinyanga yesi-5, i-0,40% ye-APR
Nokuba imeko yezoqoqosho yangoku eSpain, kunye nembali yomdla obuncinci kwimalike, kukho ezinye iiakhawunti ezihlawulelwayo ezinikezela bonke abathengi babo inzuzo ukuya kuthi ga kwi-5% ye-APR, i-Bankinter yeyona inikezela lo mvuzo kwaye ikwindawo yesibini kuluhlu lwenye inyanga ilandelelana ngenxa umvuzo wayo onomtsalane.
Ngokufanayo, Indawo yokuqala ithathwa yiAkhawunti 123 yeBanco Santander, kuba, ngaphandle kokunikezela ngenzuzo ephantsi kuneBhanki, ayinasiphelo. Ukongeza, eyona mali iseleyo iya kuhlawulwa yi-15.000 ye-euro, ngelixa i-Bankinter ikukhawulela kwi-5.000 euros.
Kwelinye icala, iakhawunti ye-360º yebhanki yaseCajamar, ekwindawo yesithathu, ibonelela ngenzuzo eyi-3%, ukuyimisela njengenye yezona ndlela zibalaseleyo kwintengiso.
Ikota yokugqibela yonyaka ophelileyo ka-2016 kunye nokuqala kwalo nyaka, zinike inguquko epheleleyo kwimiqathango esekwe ziakhawunti ezihlawulelwayo zokulawula imarike. Oku akulunganga kakhulu kwabo bafuna ukuba imali yabo igcinwe kutshintshiselwano ngenqanaba elibalulekileyo lenzala.
Umonakalo uqala ukubasusa abasebenzisi. Umzekelo wale ngu ingeniso kwi-akhawunti ye-ING ngqo yee-Orenji eye yehla isuka kwi-0,2% yaya kwi-0,1% kwaye iqumrhu liyekile nokuxhasa onke amatyala abedalwe ngokungqalileyo. Yintoni egqithisile, Iakhawunti ye-Self Bank iyinqumle inzuzo yayo ukusuka kwi-0,30% ukuya kwi-0,15%, isiqingatha semveliso yayo. Ngokwenxalenye yayo, iakhawunti yeCoinc ibe yeyokugqibela ukuhambisa amanani ayo kwaye yehlise inzuzo yayo ukusuka kwi-0,7% ukuya kwi-0,3% ukusukela ngoMatshi ophelileyo.
Kwaye ezinye iibhanki ezine abafana abaphezulu Ngokomndilili, i-Openbank umzekelo iya kuyithoba inzuzo kwiakhawunti yakho ukusuka kwi-0,50% ukuya kwi-0,40%. Iintshukumo ezijoyina ezokugqibela ezenziwe kunyaka ophelileyo ngamanye amaziko, xa iWizink (iBanco Popular) yehlise inzuzo kwiakhawunti yayo yoLondolozo ukusuka kwi-0,75% ukuya kwi-0,5%, naxa iBanco Santander ibangele imvukelo ngokuguqula iikhomishini zeAkhawunti yakho 1,2,3 , XNUMX, zikhethwe ngokubanzi njengezona zibalaseleyo.
Zithini iiakhawunti zebhanki ezihlawula kakhulu emva koko?
Ngaphezulu kwe-0,5%. Kukho iiakhawunti ezimbalwa ezinikezela ngazo IAPR iyabuya ngaphezulu kwe-0,5% akukho nto inokukhathazeka ngayo, kufuneka uyazi ukuba ungayikhetha njani eyona nto ilungele iimfuno zakho.
USantander uyaqhubeka ukukhokela kwintengiso iiakhawunti ezihlawulwayo, ngomvuzo ophakathi kwe-0,56% kunye ne-2,67% ye-APR, kunye nezibonelelo ezibonelelwa ngumthengi ukongeza kumvuzo olungileyo. Ngelixa iAkhawunti ye-Evolution ye-Mediolanum ifikelela kwi-1,41%. Uncedo kukuba kuphela kwabo kuluhlu lweemveliso ezilungileyo, ezibuyisa inani elilinganayo lemali yeerisithi.
-Iimeko zokubeka imeko. Njengayo yonke into, kuhlala kungekho ndawo intle kangako yengqekembe, iMediolanum ithintela esi sibonelelo kwabo bathengi banemveliso elawulwa liziko elinesixa esincinci se-15.000 euro.
Emva koko Iakhawunti 1,2,3 Ukunyanzela ukuba utshate i-bhanki, kunye nokutsalwa ngokuthe ngqo kwimivuzo yakho, kunye neerisithi zakho kunye nokusebenzisa ubuncinci amaxesha ama-6 rhoqo kwiinyanga ezi-3 naziphi na iiakhawunti onazo, unyanzela abathengi babo ukuba babe nayo yonke into, kodwa kunjalo ayisiyonto imbi, kuba bayinto elungileyo kweli candelo.
-Abathengi abatsha, Kweli hlabathi lokhuphiswano lweeakhawunti ezihlawulelweyo, kunokubonakala kunzima kwabo beza ebhankini okokuqala banokufumana ukubuya kwamanye amaxesha ngokumangalisayo.
Kodwa kwiimeko ezininzi imigaqo imfutshane kakhulu, yiyo loo nto izinto ezahlukeneyo kufuneka ziqwalaselwe njengeyona ndlela ilungileyo yokugcina imali yakho. Eyona inomdla kule meko ihlala i Iakhawunti yeMivuzo yeBanco Bankinter, ukuba ubuncinci kude kube nguDisemba 31 inika umvuzo we-5% ye-APR kunyaka wokuqala kunye ne-2% ye-APR ngexesha lesibini.
Ukutshintshela olu khetho lulungileyo, eyona mali isezantsi ehlawulwa yi-euro ezingama-5.000 kuphela, kodwa, nangona kunjalo, inemveliso kakhulu kubantu abafuna ukungena kweli lizwe leeakhawunti ezihlawulelweyo ukuba bakhethe olu khetho, kuba ihlala inenzuzo kwiminyaka yokuqala , Ukwenza imali eyaneleyo yokucinga ngezinye iindlela.
Umbuzo onokuzibuza wona ngowokuba lixesha elifanelekileyo lokuba uqale usebenzise iakhawunti ehlawulwa ngamazinga enzala akhoyo ngoku. Yonke iYurophu ngakumbi ISpain ifumana ixesha elinomdla ophantsi kakhulu.
Owona mnikelo ungcono unokutshintshwa ngaphandle kwesaziso, ngonciphiso kwinzala abayinikelayo, ke yindlela efanelekileyo yokonga kunye nokufumana imali, kodwa ayisiyiyo eyona ilungileyo yokwenza ingeniso enkulu okanye ukuhlala kuyo, ngenxa yomngcipheko omncinci omelwe ngabaxhasi, kweli hlabathi yangoku kwezoqoqosho, lowo ungazibeki emngciphekweni akaphumeleli.