Iiakhawunti zesivuno esiphezulu, ungazifumana njani?

Olunye uhlobo lweebhanki ukuphucula iimeko zeakhawunti yakho

Okwangoku ebomini akubikho mfihlakalo ukuba Iakhawunti ayizukukwenza isigidi, okanye ubuncinci ifumane imbuyekezo enomdla ngakumbi kulondolozo lwakho lobomi. Akumangalisi ukuba banike inzala ubuncinci ngenxa yesigqibo se-European Central Bank (ECB) sokunciphisa ixabiso lemali. Ujongene nale meko yezemali, musa ukulindela ukubonelelwa okukhulu, nditsho neemodeli zokonga ezizodwa.

Ukuba uneakhawunti yangoku okanye yokonga ebhaliswe ngalo mzuzu, ayizukuvelisa nzuzo ininzi. Bahamba phantsi kwemida ephantsi kakhulu, kwaye ngokuqinisekileyo oko kuyakukudanisa: kungabikho ngaphezulu kwe-0,30% ngonyaka. Baza kukunceda uhambise eyona misebenzi iphambili yokubhankisha: ukuhambisa, ukuhlawula ngqo amatyala akho asekhaya (amanzi, umbane, irhasi, i-inshurensi ...), nokuba bakunike ikhadi letyala okanye lokuthenga. Kodwa akunakwenzeka ukuba usete isicwangciso esinamandla sokonga kule minyaka imbalwa izayo. 

Kufuneka wenze ntoni kule meko ungathandekiyo kubahlanguli baseSpain? Zimbalwa iindlela onokuzonwabela ngalo mzuzu, kodwa ezinye ziyafumaneka kwisibonelelo sebhanki sangoku. Ngeeakhawunti ezihlawula kakhulu, kwaye ngaphandle kwegama labo, abafikeleli kwimida yesivuno sangaphambili, apho beza kunikezela ukuya kuthi ga kwiipesenti ezi-6. Ngoku, eyona nto banokubonelela ngayo kubathengi babo yimbuyekezo yesi-2%., kunye nenye into kwizindululo ezinobundlobongela kwaye phantsi kweemeko ezithile kulungelelwaniso lwabo.

Nangona kunjalo, ukufumana la manqanaba okusebenza kuya kufuneka uhlangane nothotho lweemfuno, ezingasayi kuba lula kuwe ukuhlangabezana nazo zonke iimeko. Ngayiphi na imeko, yenye into onayo ngoku, ukuba awonwabanga ngeakhawunti oyibhalisileyo iminyaka embalwa. Ngaphandle kwayo yonke into, ukuba ufuna ukuvelisa ingxowa yokonga enomdla okhuphisana ngakumbi minyaka le, kuya kuba ngcono ukujonga kwezinye iimveliso zebhanki ezinokhuphiswano ngakumbi ukufezekisa iinjongo zakho.

Kwaye ukuba, ngaphandle kwayo yonke into, umdla wakho ujolise ekwenzeni ngokusesikweni iakhawunti yokusebenza okuphezulu, siya kukunceda ufezekise lo mnqweno unqwenelekayo, okanye ubuncinci, sikubonise ukuba zeziphi izixhobo ekufuneka uzisebenzisile ukuze unomdla kwezi mveliso. Ngaphandle kwengcebiso yantlandlolo enokwandisa isikhundla sakho njengesigcini esincinci. Nangeyiphi ndlela, lawula ukubuyisa okukhethekileyo, kuba akukho bhanki iya kuphinda ikunike kwakhona phantsi kwawo nawaphi na amacebo orhwebo.

Ukusukela ngoku ukuya phambili, uya kuba nethuba lokwazi zonke iintlobo zeakhawunti ezihambelana nolu phawu. Ngamanye amaxesha kuya kufuneka uqondise umvuzo wakho, kwezinye mhlawumbi utshintshe nebhanki yakho, kwaye kuzo zonke ziguqula iindlela zakho zangoku zokumisela ngokusemthethweni ikhontrakthi yeakhawunti yokutshekisha. Isenokuba sisisombululo esiqinisekileyo sale mveliso yebhanki yokuyeka ukuba nengeniso kwiminqweno yakho njengomsebenzisi.

Uninzi lweeakhawunti ezinenzuzo

Iindlela zokuphucula umdla weakhawunti yakho

Izicwangciso ezisetyenziswa ziibhanki ukuphucula inzuzo yeeakhawunti zazo zilinganiselwe, kodwa nangayiphi na imeko yenziwe phantsi kwezibonelelo ezizodwa abazinika abathengi babo. Ziyilelwe phantsi kweefomathi ezahlukeneyo, ezijolise ekufezekiseni ulindelo lwabathengi, kwaye abayalathisi igalelo labo kwamanye amaziko. Ngokwesiqhelo phantsi kwezindululo eziqhelekileyo, kodwa ezinye zazo zinokukothusa ngobuchule bazo.

Ngenxa yezi zicwangciso zeshishini, baphakamisa- nangona kungenakugqithwa-inzala kwiiakhawunti zakho. Ukusuka kwi-0,50%, ukuya kuthi ga kwinqanaba eliphezulu le-2%. Inzuzo edlula ebonelelwa ziidipozithi zekota, ezihleli ngoku kuluhlu oluqala kwi-0,25% ukuya kwi-0,80% malunga. Kwaye yonke loo nto ngokufumaneka ngokupheleleyo nangoko kwityala le-akhawunti.

Eyona akhawunti inenzuzo enkulu enokuthi ibhaliswe ukusukela ngoku yile yeBhanki eyaphuhlisayo ngeAkhawunti yePayroll, ngesivuno esi-5%, kwaye kwasekuqaleni. Nangona ihlawula kuphela i-5.000 yokuqala ye-euro, kwaye ijolise ngokukodwa kubathengi abatsha abafaka igalelo kwimirhumo okanye umvuzo oqhelekileyo ukusuka kwi-1.000 euro.

IOfisi ngqo ikhetha ukukunika iAkhawunti yedipozithi, eyi Inxulunyaniswa nerhafu yekota, apho inqanaba lenzala le-1,50% linokuveliswa, nangona kuphela ixesha leminyaka emine, kunye nentlawulo yenzala inyanga nenyanga. Kwelinye icala, u-Evo Banco, uthengisa enye imodeli eye yaqaqamba kwi-Akhawunti ye-Smart, nalapho isivuno sonyaka sokonga i-1,10% sicingelwa, kunye nentlawulo yenyanga nenyanga.

Injongo yabathengi abatsha

Yeyona iresiphi ixhaphakileyo yokuphucula ukusebenza kwezi akhawunti, kwaye ngokubanzi iphuhliswa phantsi kwenyuselo eyamkelekileyo yokuba iibhanki ziphuhlise rhoqo. Iinjongo zabo zicacile, bazama ukutsala abathengi kwezinye iibhanki.

Ngenxa yoku, banikezela ngesivumelwano ngakumbi ngesivumelwano, nokuba sinezibonelelo eziphezulu kunye nokonyuka kweenkonzo. Ngokumalunga nexabiso labo lenzala, banokunyuka baye kwiipesenti ezi-1, nokuba bangade bagqithe kukhuselo oluthile olukhulisa ezona ndlela zinamandla. Ziluncedo kwimidla yakho kuba azidingi zimfuneko, kuphela ukuba utshintshe ibhanki.

Nangona kunjalo, babonisa iingxaki ezithile ekufuneka uzithathele ingqalelo ngaphambi kokuba utyikitye isivumelwano kunye nebhanki. Phakathi kwabo, oko iphuhliswa phantsi kwamaxesha amiselweyo, kubo ukubuyela kwiimeko eziqhelekileyo kolu luhlu lweemveliso zebhanki, kunqabile. Banokufuna ukuba ugcine ibhalansi ethile ukuze basebenzise izibonelelo zabo.

Ngomvuzo ophambili

Esona sicwangciso sinamandla abakunika sona ukuphucula iimeko zakho. Kuya kufuneka ufake igalelo kumvuzo wakho (ipenshini okanye umvuzo rhoqo) ukuba uzimisele ukubhalisa nayiphi na kuzo. Kwaye, nanjengento yenoveli, bavulelekile kumvuzo ofunyanwa ngabaxumi abangaphangeliyo.. Ukuba ukwenye yezi meko, ndiyavuyisana nawe, kuba inzala oyakuyifumana minyaka le iya kuba nesisa ngakumbi, nangona kungekho fanfare.

Ngamanye amaxesha, kunokuba kungonelanga ukuthobela le mfuno, kwaye kuya kufuneka uhlawule amatyala aphambili asekhaya (amanzi, umbane, irhasi, iselfowuni, njl. Ukubuyisa, ezinye iiakhawunti zibuyisela ubuncinci bezi invoyisi kuwe. Phakathi kwe-1% kunye ne-3% malunga noko, kodwa ubuninzi bomda obungenakugqitha nakweyiphi na imeko. Banokukunceda ugcine ukuhlawulwa kwemali eninzi kwezi zixhobo zokonga.

Ubudlelwane obukhulu kunye nequmrhu

Abathengi, njengawe ngqo ityala lakho, abathe banikwa ezinye iikhontrakthi (izicwangciso zepenshini, iingxowa-mali, amakhadi etyala okanye i-inshurensi) baya kuthi bakwamkele ngokusesikweni iiakhawunti zabo ngomdla onikezelwa yinkqubo yebhanki. Iya kuba ngumvuzo ocetywayo ngamaziko emali ukukugcina njengomthengi. Yindlela ethe chu ukubonakala kwicandelo lebhanki ukuzama ukuthengisa iimveliso ezininzi, kwaye ukuba kunokwenzeka kubathengi bayo bangoku.

Ngokwesiqhelo olu hlobo lweeakhawunti ezidibeneyo zikunika malunga ne-1%, kwaye uhlala uphantsi kokufumaneka ngokupheleleyo kulondolozo lwakho. Kwaye iimpawu zazo eziphambili zifana kakhulu neefomathi zesiko, ngokungafaniyo nakuphi na ukwahluka kwiimpawu okanye iinkonzo. Ewe kunjalo, uxolelwe kwiikomishini kunye nezinye iindleko zolawulo.

Ukujolisa kubathengi abakhethiweyo

ungafikelela kwisivumelwano nebhanki sokunyusa inzala yakho

Ukuba ungumthengi olungileyo, uya kuhlala unendawo yokugqibela onokuyenza ukuze uphucule imida enenzuzo yeakhawunti yakho thethana ngayo nebhanki yakho. Iya kuba ngumcimbi wokubeka wena etafileni kwaye ujonge ukuba yeyiphi na intsebenzo abanokukunika yona ngalo mzuzu. Kuya kufuneka ubalaselise izibonelelo zembali yakho yebhanki, kunye neminyaka emininzi obengumthengi ngayo. Iya kuba sisiqinisekiso sokuphumeza iinjongo.

Esi sicwangciso-qhinga, esixhaphakileyo phakathi kwabathengi abadala, sonyusa amanqanaba enzuzo anokufunyanwa ziibhanki ngepesenti encinci. Ungayonyusa ngesishumi esimbalwa, kodwa kancinci. Ukuba awuhlangabezani neempawu zokwenza isicelo sibe sesikweni, kungcono uyeke ukuzama, kuba ngokuqinisekileyo awuyi kufumana nto. Njengokuba besusa iikhomishini phantsi kwendlela entsha kwiakhawunti.

Akukho khomishini okanye ndleko

iibhanki zibonelela ngeakhawunti ezininzi ngaphandle kwemali okanye inkcitho

Kwiimeko ezininzi, ukonga xa ungena kwimvumelwano nale mveliso yebhanki akuyi kuvela kumazinga enzala aphezulu abonelelayo, kodwa kwiindleko onokuzigcina kulondolozo lwayo. Kwaye kule ngqiqo, eyona ndawo ixhaphake kakhulu kukukhululwa kwalo naluphi na uhlobo lweekhomishini kunye nezinye iindleko kulawulo lwayo. Hayi ilize, iya kuthetha ukonga ngonyaka phakathi kwe-30 ukuya kwi-100 ye-euro, kuxhomekeke ekusebenziseni iakhawunti.

Okwangoku, indawo elungileyo yeebhanki ithengisa esi sicwangciso sorhwebo ngokuqiniseka okuthile, kwaye njengefomula yokuhlala kubathengi, kwaye ungayi kwelinye iqumrhu. Amashishini angakumbi nangakumbi ayavela (i-Bankia, i-BBVA, iSantander, iBhanki, i-ING ngqo, njl. Njl. Apho ungasayina khona enye yeeakhawunti zabo ngaphandle kwazo naziphi na iindleko.

Ukwamkela nasiphi na kwezi zindululo, kuyinyani ukuba kuya kufuneka unxibelelane nangakumbi neziko lezemali, nkqu nokwenza isivumelwano nezinye iimveliso, zeentlobo ezahlukeneyo. Kodwa injongo oya kuyiphumeza iya kukuvuza umzamo wakho. Kwaye mhlawumbi, ngokulondolozwa kwezi ndleko, uyakufumana imali engaphezulu kunenzuzo enokuthi iveliswe naziphi na iiakhawunti ezikhoyo ngoku kunikezelo lweebhanki lwangoku.


Izimvo, shiya eyakho

Shiya uluvo lwakho

Idilesi yakho ye email aziyi kupapashwa. ezidingekayo ziphawulwe *

*

*

  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.

  1.   louismi sitsho

    Inzuzo ingunaphakade?