Uyivula njani iakhawunti yokutshekisha phesheya? Inyathelo nenyathelo

Ukufuna imbuyekezo engcono kwiakhawunti yangoku sesinye sezizathu ezibangela ukuba abanye abasebenzisi bebhanki baye kwizibonelelo zemveliso yokonga kumazwe aseYurophu. Ezinye iiakhawunti ziza kunikezela abathengi babo ngenqanaba lenzala eliyi-avareji elingaphezulu kwe-0,50%, oko kukuthi, malunga nesiqingatha sepesenti ngaphezulu kweakhawunti yelizwe. Nangona kunjalo, kwezinye iiprofayili zabathengi bajonga indlela yokwenza le nkqubo ngendlela esemthethweni ukuze bangabinayo naluphi na uhlobo lweziganeko zomthetho kwaye kungaphantsi kwemali. Ewe, kufuneka icaciswe ukuba ukubhalisela iakhawunti phesheya yinto elula kakhulu ukuba yenziwe ngokusemthethweni ukuba kuthotyelwe iimfuno zolawulo.

Ngokomgaqo, ukuvula iakhawunti phesheya kungakunika izibonelelo ezithile kwiimveliso okanye kwiinkonzo ongene kuzo. Nabanye Imida yolamlo oko kunokubonwa kuphucuka ngeshumi leepesenti ngaphezulu kweemodeli zikazwelonke. Ingakumbi ngokubhekisele kwisivumelwano seakhawunti ebizwa ngokuba yimivuzo ephezulu. Kungenxa yokuba, kwamanye amazwe, kubandakanya nakwindawo ye-euro, babonisa inqanaba lenzala elinesisa ubuncinci kunalawo akhoyo kwimibutho yelizwe.

Nokuba yeyiphi na indlela, eyona ngxaki inkulu abanokuba nayo abasebenzisi yindlela yokwenza ngokusesikweni inkqubo yokuvula iakhawunti phesheya. Ukuze le nto ilungiswe, akukho nto ingcono kunokukunika isikhokelo esincinci kumanyathelo ekufuneka uwathathile ukusukela ngoku ukuya phambili ukuze wanelise lo mnqweno kubudlelwane bakho nehlabathi lemali. Ukuze ngale ndlela, ube namathuba amakhulu ebhalansi yeakhawunti yakho yokonga ukuze ube namandla ngakumbi ngonyaka. Ubuncinci unokuzama kuba Akukho nto uzakuphulukana nayo kunye nokusetyenziswa kwesi sicwangciso sebhanki. Kungakufanelekela ukuzama ngoku.

Khetha ukujonga iakhawunti

Eyona ngxaki inkulu eyakuveliswa yile nkqubo kukukhetha iakhawunti yokonga elungele iprofayile yomfaki sicelo kuba isixa esikhulu sonikelo esikhona phesheya kwaye ezo ziphuhliswa phantsi kweendlela ezahlukeneyo zebhanki (inkuthazo, ukusebenza okuphezulu, okunxulunyaniswa nomvuzo ofunyenweyo, njl.). Omnye wemicimbi ekufuneka ibonwe kwangaphambili kukuba akuyi kubakho khetho ngaphandle kokwenza utshintshiselwano lwemali ekusebenzeni, ukuba ilizwe elikhethiweyo alikho ngaphakathi kwendawo ye-euro.

Kwelinye icala, le ntshukumo yebhanki ithwala ikhomishini kwintshukumo yemali enakho ukunyuka ukuya kwi-1% kwimali enikelweyo. Kwelinye icala, kuyakufuneka ukuhlalutya ukuba ingaba iyakuhlawula ngokwenyani na oku kuphuma kwemali kunenzuzo ebhengezwe yibhanki entsha. Ayothusi into yokuba inzuzo entsha abaza kukunika yona isenokungafaneleki ngenxa yamanyathelo olawulo ekufuneka uwamise ngokusesikweni ukusukela ngoku. Ngayiphi na imeko, iya kuxhomekeka kumdla wakho kunye nezinto abakunika zona phesheya.

Xela ukusebenza

Ukumiselwa ngokusesikweni kweakhawunti yangoku engaphandle kwemida yethu kufuna ukuba umvuzo ubonakaliswe kwingxelo yengeniso elandelayo. Le yenye yeemeko ezisisiseko zokuvula iakhawunti phesheya ngendlela enocwangco nangaphezulu kwako konke ngokungqinelana ne Uxanduva lwezemali. Ukuze ngale ndlela, umnini omnye abe kwimeko yokulawula iintshukumo zabo zebhanki ngaphambi kovavanyo ngabasemagunyeni lerhafu. Ngayiphi na imeko, ngumsebenzi olula kakhulu ukuwenza apho kuya kufuneka ubonelele kuphela amaxwebhu akhutshwe yibhanki entsha apho kuye kwagcinwa khona.

Ukukhathazeka malunga ne-akhawunti yakho ibhalansi

Kubaluleke kakhulu ukuba wazi ukuba ibhalansi yeakhawunti yangoku ivuliwe kwelinye ilizwe igqitha kwimida esekwe kumvuzo, kwi 50.000 euro. Kungenxa yokuba ukuba oku akunjalo, ubunini beakhawunti akufuneki buxelelwe abasemagunyeni lerhafu. Kodwa ukuba bayadlula kwimida yemali, abasebenzisi abayi kuba nandlela yimbi ngaphandle kokuyiveza kwingxelo yengeniso. Akukho mida ngokubhekisele kwi-avareji ebekiweyo eboniswe yiakhawunti yokonga kunyaka-mali. Kuba ukuba le nkqubo ayenziwanga ngokusesikweni, kwenziwa ulwaphulo-mthetho lerhafu oluthwala isohlwayo esinzima kuboni.

Ngenisa onke amaxwebhu

Iinkqubo zolawulo zibaluleke kakhulu ukuzola ngaphambi kovavanyo lwerhafu. Ukwenza oku, kuya kufuneka uthumele ulwazi malunga nemvelaphi yemali efakwe kwiakhawunti phesheya. Banako nokuba, ukuba ulawulo belungacacanga gca malunga Ukuchongwa kwale minikelo yezoqoqosho, Bafuna ingxelo yengeniso kule minyaka mine idlulileyo. Ukuze ekugqibeleni umthengi angabi naxhala lokuthatha ikomkhulu lakhe alise kwenye indawo engeyoyakhe.

Ukwazi ngalo lonke ixesha ukuba olu hlobo lweakhawunti kufuneka lube nekhontrakthi phantsi kweemeko ezifanayo nelizwe lakho. Kuya kufuneka unikeze incwadi yakho yesazisi okanye ipaspoti kwaye akuyi kubakho mfuneko yokuba nendawo yokuhlala ngaphandle kwemida yethu. Ukongeza, ngenxa yetekhnoloji entsha, yonke le nkqubo inokwenziwa kwi-Intanethi, kamnandi ekhaya kwaye ngaphandle kokuya kumasebe ebhanki.

Ukujonga iindleko zeakhawunti

Iakhawunti yokutshekisha iyimveliso enokuthi bonke abathengi banikwe ikhontrakthi kuba isango eliya kwinxalenye elungileyo yemisebenzi yebhanki. Njengesixhobo sokuba nekhadi lekhredithi okanye ledebhithi, yenza ukutshintshela kumntu wesithathu okanye ukufumana imali yokubhatala inyanga nenyanga. Nangona kunjalo, ukuba akukho semthethweni simahla kwiikhomishini, akusayi kubakho khetho ngaphandle kokuhlawula ezinye iindleko ezivela ekusetyenzisweni kwayo. Banokuphakama kunoko bacinga ekuqaleni abasebenzisi kwaye kuyo nayiphi na imeko kuya kubandakanya Ukuhlawulwa kwemali engaphezulu kwe-100 ye-euro. Isifundo sombutho wabathengi sivelisa umahluko ukuya kuthi ga kuma-euro angama-250 ngonyaka kuxhomekeke kwinto ekhuphayo.

Ngesi sizathu, kubaluleke kakhulu ukuba ngaphambi kokuba usayine ikhontrakthi yeakhawunti, umsebenzisi aziswe malunga neekhomishini ezenziweyo kwaye zisebenza phi na. Ukuze kwasekuqaleni ubekwisimo sokucwangcisa iindleko zakho kunye nokuba zeziphi iindlela zokucwangcisa onokuthi uzisebenzise ukunciphisa ezi ntlawulo kwiakhawunti minyaka le. Iya kusebenza njengomthombo ofanelekileyo wohlalutyo ukukhetha eyona akhawunti ikwicandelo lebhanki ngokuxhomekeke kwimikhwa yakho kunye neprofayile njengomsebenzisi kolu luhlu lweemveliso zemali.

Iintlawulo ze-overdraft

Nokuba yeyiphi na iakhawunti ebhalisiweyo, kukho ukuhlawulwa okungekho mnini nto anokukulahla, nokuba uqeshwe simahla kwiikhomishini kunye nezinye iindleko kulawulo lwayo. Yeyona ibhekisa kwiikhomishini ngokuba kwinani elibomvu kwiakhawunti kwaye esoyikwa isohlwayo sakho esiphezulu. Ngokuchitha nje imali engaphezulu kunaleyo sinayo, amaziko ezemali angahlawulisa yonke imihla ukuba le mveliso ifunyenwe. Ngesohlwayo esiphindwe kabini esisiveza apha ngezantsi.

Ikhomishini kwityala lokutsala imali: yipesenti esetyenziswa kwelona xabiso liphezulu lifunyenwe kwizikhundla zamatyala. Umndilili wayo ujikeleze i-4,50%, nangona ngamanye amaxesha iibhanki ngokwazo zisekwe kwintlawulo encinci engekho ngaphantsi kwama-euro angama-20. Inzala kwityala: sisixa semali esisetyenzisiweyo ngexesha letyala elinokukhokelela kwimali ebizwe yibhanki ukuba ibe ngaphezulu kunaleyo ibicingwa ngumsebenzisi. Kungenxa yokuba imali eseleyo ebhankini iyaphindaphindwa kwiintsuku apho i-overdraft yenzeka kwaye inokufikelela kumaxabiso wenzala kufutshane ne-10%.

Amakhadi, iitsheki kunye nokudluliselwa

Eminye yemisebenzi yeebhanki exhaphakileyo apho amaziko emali ahlawulisa intlawulo ephezulu kubaxumi bawo yile inento yokwenza namakhadi etyala okanye okuthenga kunye nokudluliselwa. Kowokuqala kubo, kugcinwa iikhomishini zolondolozo kunye nohlaziyo ziba phakathi kwe-20 ukuya kwi-40 ye-euro rhoqo ngonyaka, Kuxhomekeke kwimodeli ebhalisiweyo kunye nequmrhu elikhuphayo elijongene nokuzithengisa. Ewe kunjalo, ngaphandle kokuba abanini ndawo bahlala kwimirholo yabo okanye kwingeniso yesiqhelo okanye bathenge ngale ndlela yokuhlawula ngaphezulu kwesixa esimiselweyo kwiibhanki.

Ukutshintshwa kweebhanki kunye needipozithi zokutshekisha, kwelinye icala, ngomnye umthombo oxela inkcitho eqingqiweyo minyaka le. Ngokumalunga neyesibini yeemveliso zebhanki, ithwala iindleko ze-0,3% yemali, ubuncinci be-euro ezintathu ngentlawulo nganye, ngelixa ekusebenzeni kwamanye amazwe inyuka yaya kwi-3%. Ngokubhekisele kugqithiso lwebhanki, babonisa iikhomishini ze-7,5% ukuba zenziwe kwikhawuntara kwaye zitshiphu kwi-Intanethi, zijikeleze i-0,50%. Ngelixa kwelinye icala, ezo zichazwe ngokungxamisekileyo zinokunyuka ziye kwi-0,30%, phantse iphindwe kabini kunentshukumo yesiqhelo. Phantse kuzo zonke iimeko, bavelisa indleko ekungekho khetho ngaphandle kokuhlawula.


Umxholo wenqaku uyabambelela kwimigaqo yethu imigaqo yokuziphatha yokuhlela. Ukuxela impazamo cofa apha.

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