Iiakhawunti ezibuyisa imali ngokukhutshwa ngqo kwiibhili zakho

Iiakhawunti ezibuyisa inxenye yamatyala akho okutsalwa ngqo

Iiakhawunti zokonga yimveliso ebhankini engenakufakwa endaweni yabasebenzisi. Ukusuka apho baqhuba khona imisebenzi ephambili yebhanki: ukukhupha imali, ukuhambisa, ukuhlawula, kunye nolawulo lwebhalansi yakho. Kodwa ngakumbi nangakumbi isibonelelo esitsha siyanyanzeliswa esiluncedo kakhulu kwimidla yakho. Kukubuya kwenxalenye yee-invoyisi xa kusalathiswa la maxwebhu.

Nangona iiakhawunti zokonga zingahlulwa ngemivuzo yabo ephezulu, kodwa ngokuchaseneyo, kuba banika abathengi imida ezisezantsi kakhulu. Phakathi kwe-0,10% kunye ne-0,50% malunga nebhalansi eboniswe kubo. Ngenxa yokuhla kwexabiso lemali ngumbutho woluntu kwimicimbi yemali. Kodwa kuyo nayiphi na imeko, inokuchatshazelwa ziziphumo zeeakhawunti ezikubhatala imali yokuqhagamshela kwiibhili eziphambili zekhaya.

Sisicwangciso-qhinga sorhwebo sokuba iibhanki zikhula ngogonyamelo olukhulu, kwaye nangamaxesha athile, ukutsala abathengi abatsha. Kwaye ikukubuyisela phakathi kwe-1% kunye ne-3% yemali yazo zonke iibhilikhwe zeli ziko, ngaphandle komda ngokwenani labo. Nokuba yeyiphi na indalo, ichaphazela zonke iinkonzo (igesi, umbane, amanzi, njl.njl.), Kunye nezinye ezinobuntu (imibutho yobungcali, i-inshurensi yobuqu, okanye nentlawulo kuluntu lwabamelwane).

Zinjani iiakhawunti ezifuna inkcitho yetyala ngqo?

Ngaba uyafuna ukwazi ukuba zinjani ezi akhawunti?

Uyakwazi ukufumana imbuyekezo ngokuxhomekeke kwisithembiso esenziwe yibhanki nganye, kwaye esihlala singasoloko sifana, xa ezinye iinkonzo zongezwa okanye zikhutshwa. Nangona kunjalo, ngako konke ukuqiniseka oko uya kufumana umda ophezulu kwimbuyekezo, ongenakugqitha kuyo nayiphi na imeko.

Ukubuya, baya kufuna kuphela iimeko ezimbini ekulula kakhulu ukudibana nazo. Kwelinye icala, ukuba une-akhawunti ngezi mpawu zivulekileyo. Kwaye kwelinye, ukuba uvulekile ukudibanisa onke amatyala akho asekhaya kuwo, kwaye ubalathise bonke.

Ukuba udibana nabo, Siyavuyisana, kuba wena uya kusindisa ezinye i-euro rhoqo ngenyanga. Ayikuko ukuba ufumana imbuyekezo entle kumncono, kodwa ubuncinci kuya kukunceda ukuba ube neenkcitho kubudlelwane bakho obuqhelekileyo namaziko emali.

Ukongeza, akukho mida kwinani lee-invoyisi ezingeniswe kwesi sibonelelo sodwa esiveliswe kwiibhanki. Nangona kunjalo, into ongasayi kuyifumana lulo naluphi na uphuculo kumda wenzala obonelelwa zezi akhawunti, oya kuthi ufane ngokufanayo nakwiakhawunti yemveli. Ngaphandle kwe-0,30% ngaphezulu.

Olunye uphawu olubonelelwa yile mveliso yebhanki kukuba ithiwe thaca ngaphandle kokuthunyelwa kwaye ikhululwe kuyo nayiphi na inkcitho kulawulo nakulondolozo lwayo. Olondolozo luya kuthi ngeendlela ezimbini zokungena. Kwaye kwongezwa, ukusuka kwesi sixhobo sokukhulelwa kwebhanki nako ungafumana amakhadi etyala kunye neebhanki simahla, ubuncinci kunyaka wokuqala.

Ukusuka kule minikelo isisiseko unokukhetha phakathi kweemodeli ezininzi ezibonisa le minikelo inomdla. Azikho ninzi, kodwa zanele ngokwaneleyo ukuba ungonga ukusukela ngoku ukuya kwi-euro ezininzi ngonyaka kwintsebenzo nganye. Ngaphandle kokubandakanya nayiphi na inzame kubudlelwane bakho nolu hlobo lweakhawunti yokonga. Kananjalo akuyi kuba yimfuneko ukuba wenze ikhontrakthi kolunye uthotho lweemveliso (izicwangciso zepenshini, imali yotyalo-mali, i-inshurensi, njl.njl.), Kule meko ngaphandle kwendawo yokuhlala.

Zeziphi iiakhawunti ezihlangabezana nezi mfuno?

Uya kuba noluhlu lweemveliso zebhanki onokuthi uzirhumele phantsi kwezi mpawu. Ngezindululo ezinobundlongondlongo, eziya kukwenza ukuba utshintshe iibhanki ukuze ufumane izibonelelo ezinikezelwa kwiimodeli ezicetyiswayo. Ziyafana kakhulu phakathi kwazo, zinomahluko omncinci, kwaye apho ipesenti yokubuya iya kuba luphawu lwayo lokwahlulahlula, kwaye olona lubalulekileyo. Ukwazi ukusebenzisa ithuba lokunyusa elibuyela kwi-3% yenkcitho yamatyala akho endlu.

Kuya kufuneka ufumane imodeli efanelekileyo ukuhlangabezana neemfuno zakho zobuqu, kwaye ke, ezilungele iprofayili yakho njengomthengi webhanki. Ukukunceda koku, siza kukubonisa ezinye zeemodeli zeakhawunti ezithengiswayo ngoku. Kwaye mhlawumbi ezinye zazo zinomdla kuwe ngokukodwa ukuba uqeshwe, kwaye ufezekise iinjongo zakho, ezingayi kuba zimbi ngaphandle kokuqulatha inkcitho ngesi sicwangciso seshishini esisodwa.

Amathuba awazukusilela, ewe, kwaye kuyakongezwa olunye uthotho lweenkonzo kunye nezibonelelo ezihambelana nezi mveliso zebhanki. Elinye lamaqumrhu avelisa olu phawu yiBanco Sabadell ngokusebenzisa iAkhawunti yeExpansión. Baya kubuya ubuninzi, iipesenti ezi-3, kodwa ngokulinganiselwa kwi-cap ye-euro ezingama-20 ngonyaka. Isindululo seakhawunti esithandwayo seBanco sisekwe kwi-2% kwimithetho eyilwayo yasekhaya, ekwanomda omalunga ne-15 leerandi minyaka le.

Elinye iqumrhu lezemali elijongene nokuthengisa le mveliso yebhanki yi-Oficina Directa, okwangoku ene-akhawunti yokujonga ebuyisa i-2% yemali ehlawulwa ngqo kubanini bayo. Kwaye okokugqibela, isibonelelo esiveliswe ngu-Openbak esithatha ukuya kwi-1% ukwenziwa ngokusesikweni kwezi ntlawulo ngaphandle kokufumana ikhontrakthi kwezinye iimveliso zebhanki.

Uyenza njani intsebenzo?

Izitshixo zokubhalisa ezi akhawunti

Nje ukuba le modeli yokonga ibhaliswe, kuya kufuneka uhambise imali kwiirisithi ozifunayo, ngaphandle kwemida. Ungawenza ngokusesikweni lo msebenzi ngokudluliselwa kwiakhawunti yamanye amaziko. Ukuze ukusebenza kwayo kube kokona kunokwenzeka, Kuya kucetyiswa kakhulu ukuba uphonononge iindleko ohlawuliswa zona inyanga nenyanga, okanye ikota. Ayisiyiyo kuphela evela kwiinkonzo zasekhaya, kodwa ikwimo eyahlukileyo.

Umbuzo omnye onokuba nawo xa bebuyisa imali eveliswe zezi mali zithe ngqo. Ewe, ilula kakhulu, ngalo lonke ixesha iirisithi zihlawuliswa nge-akhawunti, ngqo, ngaphandle kokulinda eminye imihla ebekiweyo yokulibaziseka, okanye ukuphela kwenyanga. Akunanto, isaphulelo siya kwenzeka ngokuzenzekelayo, ngaphandle kokulinda okanye ezinye iimeko. Ngale ndlela, isiphumo esiza kwenziwa kwiakhawunti yakho yokutshekisha siya kuba kwangoko.

Kuyinyani ukuba azingomanani amangalisayo, kodwa kunjalo Kuya kukunceda ekubuyiseleni ukwanda kweerhafu zeenkonzo zamandla, umzekelo, lowo wokukhanya. Kwaye ngoncedo olongeziweyo lokuba yonke into iya kubekwa embindini ngemveliso enye yebhanki, kwaye ngaphandle kokutshintsha izinto. Iya kugxila kwimveliso yebhanki enye kuphela, ukuze ube nezixhobo ezininzi zokufikelela kwizibonelelo zabo.

Njengokuba kunganikezelwanga okuninzi kwezi mpawu kuphuhlisiwe ukuza kuthi ga ngoku, kuya kwenza kube lula kuwe ukuphuhlisa ukhetho lweakhawunti ngokufanelekileyo. Oku kunjalo, kuba uya kuba nexesha elininzi lokuhlalutya ngokweenkcukacha isindululo ngasinye, kwaye ekugqibeleni ufikelele kwisiphelo sokuba yeyiphi kubo efanelekileyo ukuba ubhalise. Ukongeza, ucinga ukuba zeziphi ezinye izibonelelo ezibandakanyiweyo kumagatya ekontrakthiamakhadi, iintshukumo zebhanki, ugqithiselo, njl.

Iingcebiso ezilishumi elinambini zokukhetha eyona modeli intle

Iingcebiso ezilungileyo zokuqesha nayiphi na kwezi akhawunti ezifuna ukutsalwa ngokuthe ngqo kwezinye iirisithi

Ujongene nesithembiso esiveliswe ziibhanki, ekuphela komsebenzi wakho iya kuba kukuzixhobisa ngesixhobo esifanelekileyo sokunxibelelana necandelo lebhanki kwimisebenzi yakho yesiqhelo. Ukukunceda ukuba ufezekise le njongo, sicebisa ngeendlela ezintlanu zokusebenza onokuzixhasa ngazo. ukwenza esona sigqibo sihle sinxulumene nokutsalwa ngqo kwamatyala akho kunye nawekhaya.

  1. Yazisa ngeakhawunti ebonisa iipesenti ezingcono zokuhambisa ezi risiti, Kodwa ke unike ingqalelo eyodwa kwimida eziya kukunika yona ezi mveliso zebhanki zikhethekileyo.
  2. Khetha leyo ivelisa iindleko ezincinci kwimisebenzi yakho yesiqhelo, kwaye ukuba bakhululwe kwiikomishini, kubhetele kakhulu, kuba ukonga kwakho kuya kumacala amabini.
  3. Jonga imodeli, onokuthi ngayo Rhuma ikhadi lekhredithi (okanye ledebhithi) ngaphandle kokuthatha imali, ubuncinci kwiminyaka embalwa yokuqala emva kokuqesha.
  4. Nangona kuyinyani ukuba ukubuya kwemali kwezi mveliso ngokucacileyo akonelisi kwimidla yakho, okwangoku uya kuba kwimeko yokubhalisa iakhawunti ekunika enye into rhoqo ngenyanga.
  5. Ukuba uneerisithi zedebhithi ngqo kwiiakhawunti ezahlukeneyo, inokuba lixesha lokuba utshintshe isicwangciso-qhinga sakho kwaye uzimanye kwimodeli enye, ukuzisebenzisa zonke iingenelo zayo.
  6. Hlala ukhumbula ukuba Ayizizo iimveliso eziyilelwe ngokukodwa ukufumana izivuno kubo, kodwa ukusebenza ngebhanki yakho ngazo zonke iintlobo zokusebenza.
  7. Khumbula ukunika ababoneleli beenkonzo inombolo yeakhawunti yakho ukuze i-debit ngqo yenziwe ngokuchanekileyo ukusuka kumzuzu wokuqala, kwaye unokufumana ukubuya.
  8. Zintle kakhulu iiakhawunti zakho zeemeko zakho njengomsebenzisi webhanki, kuba ezinye zazo azikuvumeli nokuba wenze naluphi na uhlobo lokudibanisa.
  9. Ezi mveliso azidibananga nekhontrakthi yolunye uyilo lwebhanki (imali yotyalo mali, izicwangciso zepenshini, idipozithi yexesha, njl.
  10. Yimveliso enamandla kakhulu ehlala ihlaziywa., ebonisa iindaba ezandayo, kwaye onokuthi uzuze kuzo ngokuqesha.
  11. Nangona kwiimeko ezininzi zingenazo iindleko, kuya kufuneka ulumke kakhulu malunga nokuzibeka endaweni ebomvu, kuba izohlwayo zihlala zinzima kakhulu de uhlaziye ibhalansi yakho.
  12. Kwaye ekugqibeleni, awunasithuba sisisigxina, kuba ungarhuma ngalo naliphi na ixesha, nangaphandle kokuthatha nayiphi na inkcitho kulo msebenzi.

Yiba ngowokuqala ukuphawula

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.