Enye yezinto ezinomdla wokufumana ikhontrakthi kwi-intanethi kukuba iidipozithi eziqhelekileyo azivelisi imbuyekezo eyonelisayo kwimidla yakho njengomgcini. Ngeli xesha kunqabile ukuba banike ngaphezulu kwe-0,50%, nangona iifomathi ezinexesha elide zisisigxina zibhalisiwe. Konke oku kuvela emva kwezigqibo ze-European Central Bank (ECB) ye yehlisa ixabiso lemali. Kwaye oko kukhokelele ekubeni ibekwe kwindawo esembindini, kwi-0%. Ngazo zonke iimveliso zokonga njengabona baphulukene nesicwangciso-qhinga semali.
Ukonyusa ukusebenza kwayo, akusayi kubakho khetho ngaphandle kokurhuma iimodeli ezinokuphucula ezi margins zentengiso. Ewe andizithobi iipesenti ezinomtsalane, kodwa ubuncinci ukuzinyusa phakathi kwesiqingatha sepesenti enye. Kwaye uthathe ukuya kuthi ga kwi-1,50% ubuninzi. Kufezekiswa ngeediphozithi idityaniswe neeasethi eziyimali (Imarike yemasheya, izinto ezingavuthiweyo, izalathiso zezemali, njl.
Kodwa ngaphandle kwayo yonke into, unokufumana enye indlela elula yokwenza idipozithi yakho ibe yinzuzo ngakumbi xa uyiqesha. Kwaye yinxalenye yedipozithi ekwi-Intanethi, ezo zezizo Rhuma kwiindlela ezintsha zetekhnoloji. Nokuba kukwikhompyuter yakho yasekhaya, kwithebhulethi, okanye nakwiselfowuni osoloko uhamba nayo. Ayisiyiyo into yokuba ukusebenza kwabo kuphakame ngokugqithileyo, kodwa uya kufezekisa ukonyuka kwezishumi ezimbalwa ngokubhekisele kubume bendabuko.
Zenziwa njani iikhontrakthi kwiidiphozithi ezikwi-Intanethi?
Le mveliso yebhanki inomahluko wokuqala kwaye leyo inokwenziwa ngokusesikweni ngakumbi, ukusuka ekhaya nakwi-Intanethi ngaphandle kokuya phesheya, okanye uyisayine kulo naliphi na isebe lebhanki. Kungade kube yimfuneko ukuba unikezele nge-odolo yokuthenga ngefowuni. Ngenzuzo eyongeziweyo yokuba lo msebenzi ungayenza ngalo naliphi na ixesha losuku, nasebusuku ukuba lo ngumnqweno wakho. Ayothusi into yokuba ubhetyebhetye ekuqeshweni kwakho yenye yezona zinto zixhaphakileyo kule nkqubo kwi-Intanethi.
Kufuneka kuphela ukufikelela kwi-password eyanikelwa ngaphambili liziko lemali, kwaye ke, unemali eyimfuneko yokubhalisa imveliso. Ngephanyazo, kwaye ngaphandle kwesidingo sokuqinisekisa esivela kumnikeli wedipozithi yekota. Ngenxa yale nkqubo, ukwenziwa kwayo ngokusesikweni kuya kuba lula kakhulu kubasebenzisi. Ukwazi ukukhetha phakathi kweemodeli ezibonisa olu phawu.
Kukho izindululo ezininzi eziye zaphuhliswa ziibhanki, ngamagama ahluke kakhulu aqala ubuncinci kwinyanga enye. Nangona kunjalo, izindululo zexesha elide ziyabonakala ngokungabikho kwazo. Ukulawulwa, kuyo nayiphi na imeko, ngokuhlawulwa kwenzala emva kokuvuthwa. Zimbalwa iindlela zokubaqhubela phambili, njengoko besenza imeko phantsi kolawulo oluqhelekileyo, okanye banikwe ngenye indlela, ngaphambi komvuzo.
Yeyiphi intsebenzo abayenzayo?
Umvuzo onikwa abo bagcina imali awusoloko ufana, kuba kuxhomekeke kwifomathi ekhethiweyo. Kodwa eqhelekileyo Uluhlu oluphakathi kwe-0,50% kunye ne-1,00%, kuxhomekeke kwiimpawu zabo kunye nexesha elikhethiweyo, nangona izindululo ezithile zibabandakanya phantsi kwefomathi yonyuselo olukhethekileyo lokutsala imali kubathengi abatsha. Kwaye kuyo nayiphi na imeko, ngaphandle kwamakhonkco, okanye ezinye iindlela zokunyaniseka. Imalunga nezinto ezenziwayo ezihamba phantsi komrhumo wesiko ekuqeshweni kwazo.
Ukuphuhliswa kwezi mveliso zokonga kube nefuthe kwi Ukupheliswa kwemiqobo ethintelayo ukuba yenziwe ngabasebenzisi bebhanki ukuba baqeshwe. Kwaye ngokuchanekileyo enkosi kwesi sicwangciso sokurhweba banokuphucula umda wabo wenzuzo. Ayicingi ukuba izixa eziphezulu kakhulu, kodwa ubuncinci ziya kusebenza ekuhlawuleni i-whim encinci yabalondolozi. Eyona nto ikhuthazayo.
Izinto ezingalunganga ekuqeshweni
Nangona izibonelelo zibalasele kunokunqongophala kokungena kwezi mveliso zebhanki, akucebisi ukunciphisa ezinye iisheyidi eziboniswe ziifomathi ezikwi-intanethi. Ayibhekiseli kwinzuzo yayo, kodwa kwinkqubo yokurhuma. Eyokuqala yazo ithathwe kusikelwe umda kwezinye iimodeli zesisigxina esikhulu. Kwaye ngenxa yoku, ngenqanaba elithile lenzala ephezulu.
Enye yeengxaki ezibandakanya ukubekwa okwethutyana, ezijolise kuzo kuphela imali evela kwamanye amaziko, okanye ubuncinci kubathengi abatsha. Ukunciphisa ukufikelela kwezinye iiprofayili zomsebenzisi, oya kuthi abhenele kwezinye izindululo zohlobo olwahlukileyo ukonyusa umvuzo wabo minyaka le.
Kuyinto elula, kwelinye icala, funda ukuprintwa okuhle kwesivumelwano ngononophelo Iidiphozithi ezikwi-Intanethi, ukuba ngaba kukho naliphi na igatya elithintelayo. Ingakumbi yintoni ebhekisa ekucinyweni nasekuhlaziyweni kwayo. Kwiimeko ezininzi lo msebenzi awunakwenziwa, kwaye kwezinye kohlwaywa yikhomishini enokuthi ilinganise inzuzo yexesha elizayo yedipozithi. Ngenxa yoku, kuya kuba yimfuneko ukuba iimeko zabo zicace gca kwiiwebhusayithi zamashishini. Ngaphandle kokufumana ukungaqondani, apho abo bafumana ezi mveliso baya kuchaphazeleka kakhulu.
Ngokusekwe kwezi mpawu zinikezelwe ziidiphozithi ezikwi-Intanethi, isithembiso esibanzi kakhulu siyaboniswa, nangona ngaphandle kweenoveli ezininzi ekucacisweni kweefomathi zayo. Unokufumana kwizibonelelo ezithile, kubaxhasi abatsha okanye esele zikhona, ukuya kwizimo eziqhelekileyo. Kwaye loo mahluko mncinci banayo kunye nabazali bakho ngokusemthethweni.
Kufuneka kuqatshelwe ukuba ezona zindululo zolondolozo zivela kumaxesha okwazisa, kwaye njengenyathelo elitsha ngokubhekisele kwezinye iimodeli zokugcina, ezinye izinto zibandakanya izipho zentengiso njengendawo yomvuzo wemali. Ukubuyisa, kulula ukubhalisa, kwaye ubuncinci bezixa zokubaqesha zifikeleleke kakhulu kuyo yonke imizi. Ukususela kwi-1.000 euro, kwaye nokuba le mali iyathotywa kwezinye zazo.
Iziqinisekiso kwimirhumo
Iidiphozithi zekhontrakthi ezikwi-Intanethi, njengezinye iimodeli, ziqinisekisa ukuba imali ityalwe kunye nenqanaba lenzala kwiidiphozithi de zikhule, kungafuneki ukuba nexhala malunga nokuhla kweentengiso. Ngaphandle kokuba zinxulunyaniswe nezinye iiasethi zemali ezixhomekeke kwii-equities. Ukusuka kolu luvo, banikezela ngokhuseleko olugqibeleleyo, kuba abafuneki ulwazi olugqithisileyo kwicandelo labafakizicelo. Ukuba isimahla kuyo nayiphi na ityhefu ekwakhiweni kwayo.
Kodwa, kwenzeka ntoni ukuba ibhanki ekhupha le mveliso iye yonakala? Ewe, oko kuya kuthetha umonakalo ogqithisileyo kubasebenzisi. Akunanto, INgxowa-mali yesiQinisekiso seDiphozithi iqinisekisa ukuya kuthi ga kwi-100.000 euros kwimeko enokwenzeka le meko ingalindelekanga. Ingxaki iza kuza nemali ephezulu. Kodwa oko ngesicwangciso esilula kunokuthintelwa.
Kuqukethe ukuvula iidipozithi ezininzi kwi-intanethi kwiibhanki ezahlukeneyo ukuze kuqinisekiswe ubuninzi. Ukuze ngale ndlela, ukonga kuhlala kukhuselwe, nakwimeko embi kakhulu. Kwaye ngokuchanekileyo kufana nakwiidiphozithi ezithunyelwe ngeefomathi zesiko kwisivumelwano sabo. Akukho mahluko, kwaye ngenxa yoko ukubekwa kwawo kuyafana. Ukuya kuthi ga kwinqanaba lokuba kunokuthathwa njengemveliso ekhuselekileyo.
Okufanayo akunjalo ngamanqaku esithembiso ebhanki, ekungekho meko kuqinisekisa ukuba kwenziwe igalelo. Kwaye inokuba ngumngcipheko omkhulu kubanini bayo, nokuba balawulwa ziimeko ezifanayo, kungabikho kwahluka. Kananjalo ngenqanaba elifanayo lenzala. Soloko ungaphantsi komqobo we-1%.
Ufumana ntoni?
Ayiphuculi intsebenzo kuphela, kodwa ibe nayo inkululeko enkulu yokwenza ukuba ibe semthethweni. Unokwenza iphothifoliyo yokunyanzeliswa ngendlela othanda ngayo, ukhetha ezona fomathi zilungileyo ngamaxesha onke. Kwaye okona kubaluleke kakhulu, ehlengahlengiswe kwiprofayile yakho njengomgcini ophakathi. Nguwe oya kukhetha awona mathuba mahle aveliswe yimakethi yebhanki. Ngaphandle kwabalamli, okanye ezinye iintlobo zobudlelwane nebhanki.
Enye into ekhethekileyo yokuba iidipozithi ezikwi-Intanethi kukuba zihlala zihlala Iidipozithi ezingavuselelekiOko kukuthi, bayarhoxiswa ngokuzenzekelayo ebudaleni. Ngaphandle kokubanakho ukuzihlaziya. Njengokuba zingazivezi iimodeli zoqobo apho unokuhambisa khona ukonga kwakho ubomi. Kananjalo ayinakho ukufikelela kuyilo olunomtsalane kakhulu, okanye ngeempawu ezintle. Yonke into iqhelekile ngokupheleleyo kule klasi yedipozithi.
Iingcebiso zokuqesha
Ukuba ufuna inkqubo yobhaliso ikhule ngokuchanekileyo, awuzukukhetha ngaphandle kokungenisa imigca yezenzo echazwe kakuhle. Ukuxhamla kule nkqubo yokonga ukusukela ngoku. Kuya kufuneka unikele ingqalelo kwezi ngcebiso zilandelayo.
- Ngokukodwa yenzelwe ixesha elifutshane kakhulu, ukusukela kwinyanga enye ukuya kunyaka ophakamileyo oyi-1. Ukukhonza njengebhulorho yolunye utyalomali olunenzuzo ngakumbi.
- Jonga lonke unikelo eveliswe licandelo lebhanki ukukhangela iidiphozithi eziya kukuvuza ngcono. Akumangalisi ukuba ungabaphucula ngezishumi ezimbalwa.
- Ukumiselwa kwi-Intanethi zihlala zinikezelwa phantsi kokunikezelwa Inganomdla kakhulu kwiimeko zakho njengomgcini. Zama ukufumana lowo uhambelana neempawu zakho.
- Ukuba eyona nto uyifunayo yinzuzo ephezulu, ungangcono rhoxisa umrhumo wakho kwaye ujonge ezinye iindlela ezihlangabezana nale minikelo. Ngokuqinisekileyo izindululo azizukuphoswa nangayiphi na imeko.
- Kuya kucetyiswa ukuba kwiholide yakho soloko uphatha iselfowuni, nangasiphi na isizathu, kufuneka uvule izikhundla kwiidiphozithi ezikwi-Intanethi.
- Ukumiselwa ngokusemthethweni ayizukubiza mali. Kuba bakhulelwe ukuba bakhululwe kwiikhomishini nakwezinye iindleko zolawulo okanye zolondolozo. Ngokungafaniyo nezinye iimveliso zotyalo-mali ezinazo zibandakanyiwe kwisivumelwano.