Sifika nini khetha idiphozithi yebhanki, senza umahluko phakathi kokufumana isixa esikhulu okanye esincinci semali ngokusekwe kwinzala.
Mhlawumbi xa uqala kuqala Iidipozithi zebhanki azibonakali ngathi ziyimveliso enzima kwaye uyakholelwa ukuba nayiphi na idiphozithi ingakunika izibonelelo, kodwa ukuba awazi ukuba ungayikhetha njani kwaye wazi izinto ezahlukeneyo ezikhoyo ukuze ufumane ngaphezulu, inzuzo ngezavenge ndikunike okanye iikhomishini abakuhlawulisa zona, iintlawulo zinokubiza kakhulu ekuhambeni kwexesha.
Oko kubizwa ngokuba yidipozithi yexesha elimiselweyo
Iidipozithi zexesha zi Ugcino lweebhanki lufanelekile kubantu abalondolozayo Abafuni ukubeka emngciphekweni imali yabo ngalo naluphi na utyalomali. Olu hlobo lwedipozithi lubandakanya ukufaka isixa semali X kwiziko elinoluhlobo oluthile lwesicwangciso ukuze ixesha elingaphezulu, elo xabiso libekwe kwiziko elichaziweyo libuyiswe kunye nenzala.
Ayizizo kuphela iidipozithi ezikhoyo, kuba sinokuzonwabela izibonelelo ze idiphozithi ezidibeneyo kodwa ezi zizele ngakumbi kwaye zingathandwa.
Zithini izibonelelo zeedipozithi zebhanki
- Iidipozithi zebhanki zexesha elimisiweyo zezi ixhaswe kwaye iqinisekisiwe ngengxowa mali yesiqinisekiso. Le ngxowa-mali igubungela ukuya kwi-100.000 euro ngomnini ngamnye.
- Inika ithuba lokuba fumana kwakhona iipesenti eziyi-100 zotyalo-mali ekukhuleni.
- Ine- inzuzo ezinzileyo kwangaphambiliOku kusixelela ukuba kwasekuqaleni sele siyazi into esiza kuyizuza xa sibuyisa imali yethu.
- Inezibonelelo ezininzi (nangona oku kuxhomekeke kwiziko nakwidiphozithi) ukuze ufumane iimveliso eziluncedo kakhulu ngokurhoxiswa kwangethuba okanye isohlwayo kwinqanaba lenzala.
Yintoni omele uyiqwalasele xa ukhetha uhlobo lwediphozithi
Ukuze ukwazi ukukhetha uhlobo lwedipozithi kuya kufuneka uthathele ingqalelo izinto ezininzi esiza kuzo kwiinkcukacha ezingezantsi:
Kuya kufuneka uyazi uhlobo lwedipozithi
Olu luhlu lusuka kwiitanki enye ukuya kwiitanki eziphindwe kabini ezintsokothileyo. Iidipozithi zahluke kakhulu kwezinye, ke ukulinganisa iidiphozithi ezahlukeneyo umntu kufuneka azi kakuhle zonke izinto ezinempembelelo kuye. Enye yeedipozithi zebhanki ezilula zezo ziyilelwe ixesha elimiselweyo kuba asinakuze siphulukane nazo. Ezi ntlobo zedipozithi zinikwa uhlobo lwenzuzo olungafaniyo, kuba aluxhomekekanga nakweyiphi na into yangaphandle.
Inzuzo yeedipozithi
Inzuzo yenye yezinto zokuqala eziphantse ukujonga wonke umntu xa ukhetha idiphozithi enye okanye enye. Nangona kunjalo, kuya kufuneka uyazi indlela yokuyitolika kakuhle.
Uninzi lwezinto zikunika Izibonelelo phakathi kwe-4% kwiinyanga ezili-12 okanye i-5% kwiinyanga ezili-18. Kwezi meko, uninzi lwabantu luya kukhetho lwesibini kuba inika ipesenti ephezulu, nangona kunjalo olona khetho lulungileyo kuba yeyokuqala kuba inika umvuzo ophezulu ngexesha elincinci.
Ukwazi ngokuqinisekileyo ukuba ngubani omele ukhethe, kufuneka sijonge kwiNqanaba eliLinganayo loNyaka okanye i-APR. Ukuba sijonga kwakhona kwizibonelelo ezimbini zangaphambili, eyokuqala iya kuba ne-APR ye-4 kwaye eyesibini, esisinika ipesenti ephezulu, iya kuba ne-APR ye-3,3 ngonyaka.
Imigaqo yedipozithi
Ngexesha elimisiweyo, kuya kufuneka usoloko uhlala usenza njalo ukhethe ixesha elibekiweyo ngononophelo eya kuhlawulwa ngokweemfuno zethu (kule meko kufuneka sijonge ukuba siza kuyisebenzisa na loo mali kwixesha elifutshane). Kuya kufuneka uthathele ingqalelo ukuba yintoni uguquko lwentengiso (kuba kuya kufuneka ubone ukuba imali izinzile kwixesha elide okanye hayi) kwaye ubone imbuyekezo esiyinikwa yidipozithi uqobo.
Ukuhlawula amatyala
Oku kusixelela malunga ukufumaneka kwemali esinokuba nayo kwaye senza enye yezona zinto zibaluleke kakhulu xa kuziwa ekukhetheni uhlobo lwedipozithi. Apha, sinokufumana iindlela ezininzi, enye yazo yile idiphozithi ngaphandle kwezohlwayo ezenzeka emva kokurhoxiswa kwangethuba, oko kukuthi, iidiphozithi ezinikiweyo kodwa zikunika ithuba lokuphinda ufumane imali yakho nangaliphi na ixesha kunye nedipozithi enesohlwayo kwinzala, ethi nangona bezama ukufaka inzala esezantsi, babize uhlobo oluthile lomdla. Olu hlobo lwedipozithi lolona luthandwa kakhulu.
Okokugqibela, kukho Iidipozithi ezingabavumeli ukuba bacinywe kwangaphambili ezazisetyenziswa kakhulu iidipozithi kwixa elidlulileyo, kodwa kule mihla amaziko ayekile ukuzisebenzisa.
Utywala kumdla
Kule meko, abantu abaza kwenza isivumelwano sedipozithi banokucinga ukuba ayisiyonto ifanelekileyo kodwa ayisiyiyo. Kuya kufuneka ubone kakuhle ukuba yeyiphi indlela ekufuneka wabelane ngayo ngenyanga, ngekota, ngonyaka okanye ekukhuleni. Ukongeza, kuya kufuneka ubuze ukuba iyakuba yintoni na umahluko kuloo dipozithi ngokwe-APR kunye nembuyekezo yokwenyani.
Gcina ukhumbula ukuba ngokukhawuleza inzala yokuhlawula inzala, kokukhona i-APR iya kunyusa. Olona khetho lulungileyo kuxa i-TIN kunye ne-APR zifana.
Isixa esincinci sedipozithi
Kule meko, esona sixa sisezantsi kufuneka sithathelwe ingqalelo kuba xa ufuna imali engaphezulu kunokuba sifuna ukutyala imali, lixesha lokuba sikhangele enye idiphozithi.
Ukuqhagamshela iidipozithi
Nangona uninzi lwe Iibhanki zibonelela ngembuyekezo enkulu ngokubhekisele kubudlelwane nabo, oko kukuthi, ukuhlawula ngqo kwi-payroll okanye ukwenza ikhontrakthi kwi-inshurensi ethile. Kungenzeka ukuba ekuboneni kuqala, sihlala sibalekela ekudibaneni kweebhanki okanye kwisivumelwano seinshurensi, kuba ihlala ihlala ixesha elide, nangona kunjalo, xa kufikwa ekuhlaleni phantsi kwaye ubone njengeengcali yintoni inzuzo esiyinika yonaPhakathi kwezipho kunye nezaphulelo, kunenzuzo ngakumbi ukwenza njalo kunokufumana enye ibhanki engaceli ukuba sithembeke.
IiKhomishini kwiakhawunti yangoku edityanisiweyo
Xa siza kwenza ikhontrakthi yedipozithi yebhanki, kufuneka sivule iakhawunti yebhanki enokuthi ibe nenqanaba eliphezulu lenzala, nangona into eqhelekileyo iya kuba lolu hlobo lweakhawunti lungabinazikhomishini, kodwa ngesiqhelo iza neekomishini ezifihliweyo. , ethathelwa ingqalelo yibhanki yaseSpain njengenkqubo ye-lousy ngamashishini, aguqula iimveliso ezilungileyo zibe ziimveliso zelousy.
Kwimeko apho sivula indawo yokugcina ngaphandle
Kunyaka ophelileyo, Inzuzo yeedipozithi ezibonelelwe ziibhanki zaseSpain ziphantsi kakhulu, nto leyo eyenze ukuba abantu abaninzi bafune ukutyala imali kwiidiphozithi zaphesheya. Ukongeza, ikwazile ukufikelela kwi-5% kutyalo-mali lwehlabathi.
Ngaba ingavulwa idipozithi yebhanki yomntu ongahlali kweli lizwe?
Kwiibhanki ezininzi, abantu abaza kwenza idipozithi ebhankini bacelwa ukuba bakuchonge ngendlela ekunokubonakala ngayo ukuba umntu lowo uhlala kweli lizwe kwaye unesazisi seposi.
Ngubani okhathalela imali yakho kwiidipozithi zebhanki
Kule meko yetyala, ayimfuneko kuphela ukubona ukuba yintoni Ingxowa-mali yesiqinisekiso ngaphakathi elizweni, kodwa ixhasa imali yethu ngaphandle kwayo.
Kwiimeko ezininzi, nokuba i-akhawunti ivuliwe kwilizwe, ayihlawulwa yimali yelo lizwe.
Ixabisa malini idipozithi phakathi kwamazwe
Uninzi lweebhanki lukhathalela yonke into ngexabiso elongezelelekileyo lama-euro angama-30, nangona oku kuxhomekeke kakhulu ebhankini.
E-Spain: Ukufumanisa ukuba zithini iirhafu eSpain kwaye zeziphi izivumelwano zedipozithi zangaphandle ezinelizwe, kuya kufuneka uye ngqo ebhankini yakho ukuze ingcali ikucebise ngebhanki ethile. Nangona kunjalo, umthetho ucacisa ukuba:
Abantu abafuna ukukhetha idiphozithi yebhanki, kuba kunyaka ophelileyo kufuneka bahlawule i-20% yomvuzo wabo kwifama. Nangona kunjalo, kuxhomekeke kwilizwe ofuna ukuvula kulo iidiphozithi okanye ukuthumela imali yedipozithi, olu tshintsho. Amazwe afana neJamani, iSipro okanye iAndorra zibiza i-0% kunye nezinye iindawo ezinje ngeSwitzerland zibiza i-35% kodwa zinike izibonelelo ezininzi.
Ukuba sifuna ukutyala imali ukusuka eSpain ukuya eUnited States, oku kuyakuthatha i-15% yetotali, kodwa ukuba imali ayisuki eSpain kuyakufuneka sihlawule iipesenti ezintlanu kuphela.
Ngamafutshane
Sinethemba lokucacisa ukungathandabuzeki kwakho malunga nayo yonke into enxulumene nayo Iidipozithi zebhanki.
Ubona njani, zininzi Iindidi zedipozithi zebhanki ekufuneka zilungisiwe kule nto uyikhangelayo. Ukwazi iinkcukacha zeedipozithi kuya kukwenza ukuba uthathe esona sigqibo silungileyo kwaye ngaphezulu kwako konke, ungathathelwa ngqalelo koko kubonakala ngathi yeyona ndlela ilungileyo kodwa ayisiyiyo. Kwakhona, ngoku uyazi ukuba unokwenza iidiphozithi phesheya kwimali kwaye yintoni ikhomishini ekufuneka ihlawulisiwe ngale nkqubo.