Yize iqiniso lokuthi imali yasebhange yaziwa kahle, bambalwa abantu abaziyo ukuthi bahilelani ngempela. Ukucacisa noma yikuphi ukungabaza okungenzeka kube khona, sizochaza Yini idiphozi yasebhange.
Kulesi sihloko sizoxoxa ngokuthi amadiphozithi asebenza kanjani, angenziwa kuphi futhi yiziphi izinhlobo ezidume kakhulu.
Yini idiphozi ebhange?
Uma sikhuluma ngokufakwa kwemali ebhange, sisho umkhiqizo wokonga. Ngokuyinhloko iklayenti linikeza inani lemali ebhange, noma esikhungweni sesikweletu, isikhathi esithile. Uma leso sikhathi sesidlulile, ibhizinisi onikeze imali ulibuyisela kulo. Kumele kuqashelwe ukuthi iklayenti alitholi kuphela imali yokuqala, kepha futhi nomholo okuvunyelwene ngawo nebhange. Kunezinhlobo eziningana zamadiphozithi asebhange, futhi sizoxoxa ngazo ngokuhamba kwesikhathi, kepha okuvame kakhulu inzalo engaguquki. Kokubili inzuzo nenzuzo zihlala zingashintshi kuze kuphele isikhathi.
Inzuzo enikezwa yibhange, noma isikhungo sezezikweletu, maqondana nemali etshalwe imali ngesikhathi esithile yaziwa njenge-TIN (isilinganiso senzalo esilinganiselwe). Imvamisa, uma isikhathi okuvunyelwene ngaso sanda, kuyanda inani lenzalo elinikezwa yibhange. Mayelana nenzuzo esebenzayo yediphozi, lokhu kubizwa ngokuthi yi-APR (isilinganiso esilinganayo sonyaka). Kubandakanya izindleko, amakhomishini kanye nenzalo. Lokhu kuvumela ukuthengwa kwemikhiqizo enikezwa yizinhlangano ezibhange ezahlukahlukene.
Yenziwa kuphi idiphozi?
Kungenzeka impela ukuthi kuzoba nzima ukuya egatsheni lasebhange ukuyofaka imali ngendlela yesiko. Phakathi komsebenzi namahora okusebenza, Ukuthola igebe ohlelweni lwethu esivumela ukuthi sishiye imali ethile kuthatha isikhathi futhi kungaba yisidina. kwesinye isikhathi. Noma izinhlangano zamabhange sezinciphise ukubonga ngokubhanga nge-inthanethi okwenziwe ngenxa yokugcwala kwe-intanethi, ukuziyela mathupha nokulinda ukubonwa kungathatha isikhathi eside kakhulu ezimpilweni zethu ezimatasa.
Namuhla singakwazi ukufinyelela ukuthengiselana okuningana esingakwenza kude. Lokhu kufaka phakathi, ngokwesibonelo, ukudluliselwa kanye nokukhokha oku-inthanethi ngekhadi lesikweletu.
Kepha senzani uma sithola ukheshi? Lokhu kuyinto ejwayelekile futhi kungenzeka ukuthi sifuna ukuyigcina kalula, ngokuphepha nangokuphazamiseka okuncane ebhange. Ngalesi sizathu kunezindlela ezahlukahlukene ezisivumela ukuthi siphelelise idiphozi, njengenketho yokufaka amasheke. Ngale ndlela akudingeki ukuthi siphathe noma siphathe isamba esikhulu semali, okungaba nzima kubantu abaningi.
Futhi, Ama-ATM (imishini yokutshela othomathikhi eyenziwe ngemishini) sekuneminyaka eminingi ikhona. Lokhu kukuvumela ukuthi ufeze inani elikhulu lokuthengiselana okuhlukile, phakathi kokukhetha kokufaka imali. Ngokuya ngendlela esizokhetha ngayo, sizodinga izinto ezahlukahlukene. Kodwa-ke, umphathisimali uqobo uzosinikeza zonke izinsimbi esizodinga zona. Vele, akulimazi ukuphatha ipeni noma ipensela uma kwenzeka kwenzeka.
Izinhlobo zamadiphozithi asebhange
Ngaphandle kokungabaza, umkhiqizo owuthandayo wokonga waseSpain yimadiphozithi asebhange. Futhi akumangazi, ngoba ukusebenza kwayo kulula kakhulu. Njengoba sesichazile phambilini, iklayenti limane nje lilethe imali ebhange ngesikhathi esithile. Lapho lelo gama liphela, ibhange libuyisa imali etshaliwe kanye nenzalo obekuvunyelwene ngayo ekuqaleni. Kulula?
Izinzuzo zamadiphozithi aqinile kakhulu, ikakhulukazi ezikhathini ezinezinkinga. Sizoklelisa ezinye zazo:
- Banesiqinisekiso esinikezwe yi- isikhwama sokuqinisekisa idiphozi.
- Zicace bha.
- Kulula kakhulu ukubaqasha bese ulandela kamuva.
- Zinezinhlobo ezahlukahlukene zezikhathi, njengoba singathola amadiphozi wesikhathi eside, aphakathi nendawo kanye nesikhathi esifushane.
Futhi, kunezinhlobo ezahlukahlukene zamadiphozithi asebhange. Kuyindaba yokufuna eyodwa evumelana nezidingo nezinhloso zethu. Ngokulandelayo sizokhuluma ngamadiphozi amakhulu ebhange.
Funa imali yasebhange
Idiphozi yasebhange eyaziwa kakhulu yilokho okubizwa "ngokufunwa". Ibuye ibe uketshezi kakhulu futhi enezivumelwano eziningi, ngoba ngayo ungaba nemali ngaso sonke isikhathi. Lokho wukuthi, asikho isikhathi lapho singakwazi ukuthinta inani elifakiwe. Ama-akhawunti anezinombolo, ama-akhawunti okonga nawokuhlola yimadiphozithi edingekayo ekusebenzeni.
Ngokuvamile, zilula kakhulu futhi akudingeki uhlangabezane nezimfuneko eziningi zokuvula eyodwa. Inhloso yokufuna imali yasebhange ukwenza njengokwesekwa kokusebenza lapho kungenziwa imisebenzi ehlukahlukene, njengokufaka i-akhawunti, ukwenza inkokhelo noma ukudlulisa, ukuqondisa amarisidi noma ukukhipha imali kwi-ATM. Lolu hlobo lwediphozi alunikezi nzuzo, ukusho okuncane.
Ngaso sonke isikhathi, izimali ezifakwa emabhange ezifunekayo zibandakanya ukuqoqwa kwemali yokuphatha, ye-overdraft ku-akhawunti, yokudluliselwa, yesondlo, njll. Noma kunjalo, Amabhange amaningi anikeza ikhasimende izinzuzo ezithile noma amabhonasi uma imali ekhokhelwayo noma inani elithile lamarisidi asebhange likhokhwa ngedebithi eqondile.
Imali efakwa ebhange
Ngokungafani neyangaphambilini, igama elithi idiphozi yasebhange linenhloso yokutshala imali. Kuyaziwa nangokuthi idiphozi yesikhathi esinqunyelwe noma njengediphozi yesikhathi esimisiwe. Ukusebenza yilokhu esikuchazile ekuqaleni kwalesi sihloko: Iklayenti liletha inani lemali ebhange bese liyibuyisa ngemuva kwesikhathi esithile esasivunyelwene ngaphambilini, kanye nenzalo okuvunyelwene ngayo.
Ngokuyisisekelo luhlobo lwemalimboleko umuntu alwenza ebhange. Ngokubuyisa, ekugcineni kubiza inzalo obekuvunyelwene ngayo phambilini. Ngakho-ke, Imali yethemu yasebhange ihlale inosuku lokuvuthwa. Ngemuva kwalolo suku, ikhasimende lingalahla ngokukhululekile imali yalo.
Uma kwenzeka umuntu edinga imali ngaphambi kosuku okuvunyelwene ngalo, uzophoqeleka ukuthi akhokhe ikhomishini noma inhlawulo khansela idiphozi Ngaphambili. Kodwa-ke, kukhona ezinye ezingakhokhisi inhlawulo. Lokhu kumele njalo kubhekwe ngokucophelela esivumelwaneni.
Namuhla, inzuzo yalolu hlobo lwediphozi iphansi impela, okungenani eSpain. Kodwa-ke, singafinyelela kalula futhi ngokuphepha amadiphozi aseYurophu anezinzuzo ezinhle.
Imali yasebhange iholelwa ngomholo
Kukhona namanye amabhange ukuthi Bazama ukuheha amakhasimende ngokunikela ngezipho esikhundleni semali. Izipho imvamisa ziyizinto zakho konke ukuthanda, njengamathelevishini, amakhonsoli womdlalo, imishini yasekhishini, amabhola ebhola, njll. Lezi zimali futhi ziphoqa iklayenti ukuthi ligcine imali lapho isikhathi esiboniswe enkontilekeni. Uma kwenzeka ufuna ukuthola imali ngaphambi kwesikhathi, kuzofanele ukhokhe inhlawulo. Lokhu ngokuvamile kulingana nenani lesipho esitholakele.
Kulokhu, inzuzo yediphozithi akuyona imali, kepha kunalokho ngumholo ozoholelwa, njengoba igama lawo likhombisa. Kepha qaphela, noma singayitholi imali, isipho naso siyakhokhiswa intela. Ngakho-ke, kufanele ukhokhe intela esitatimendeni semali engenayo.
I-akhawunti yomuntu ngamunye yokonga isikhathi eside (CIALP)
Ama-akhawunti okonga isikhathi eside, awaziwa nangokuthi ama-CIALPs, awuhlobo olusha lwediphozi yasebhange. Bazalwe ngo-2015 bendawonye nomshuwalense wokonga isikhathi eside, noma i-SIALP. Njengoba ungacabanga, kwakungamabhange athengisa ama-CIALP kanye nezinkampani zomshuwalense ezathengisa ama-SIALP. Kokubili kuhloswe ngakho ukukhuthaza ukonga kwabantu esikhathini esizayo. Eqinisweni, imali ayinakusetshenziswa kulawo ma-akhawunti kuze kube yiminyaka emihlanu. Ngalesi sizathu baziwa nangokuthi "Uhlelo Lokulondoloza 5".
Lolu hlobo lwediphozithi yasebhange lunenzuzo kodwa futhi lunokubi. Iphuzu layo eliqinile ukuthi Kukhululiwe enteleni lapho wenza isitatimende semali engenayo lapho sekuphele iminyaka emihlanu. Kodwa-ke, inomkhawulo wonyaka wokonga osethwe kuma-euro ayizinkulungwane ezinhlanu kumkhokhi wentela ngamunye. Imishwalense ingeyabantu futhi isegameni lomuntu oyedwa.
Ibhange lifaka inzalo eguquguqukayo
Ngokuqondene nokufakwa kwemali ebhange ngenzalo eguquguqukayo, kuyinkimbinkimbi kakhulu kunangaphambili. Kulezi zimo, iklayenti alazi inzalo elizoyithola ngemali eliyishiya ku-akhawunti, njengoba kuya ngenkomba ethile. Imvamisa kuba yifayela le- I-Euribor. Iningi lamabhange linikeza isilondolozi isivuno se-Euribor nokusabalalisa okungaguquki. Ngakho-ke iklayenti liqinisekiswe umehluko kuphela. Kepha nalokho kusengozini uma kubhekwa ukuthi i-Euribor ayifanele.
Imali ehleliwe
Ekugcineni sisele namadiphozi ahlelekile. Lezi yizinto eziyinkimbinkimbi kunazo zonke futhi zenzelwe abantu abanolwazi oluqinile lwezezimali. Lapha futhi, inzuzo yakho ingaxhomeka kwi-Euribor, kepha nakwamanye amasheya, njengephakheji yamasheya. Noma kunjalo, imbuyiselo eqinisekisiwe incane kakhulu futhi incike kakhulu ekuveleni kwezimpahla. Ngaphezu kwalokho, la madiphozithi anemali encane kakhulu.
Manje kukuwe ukuthi ukhethe ukuthi ufuna ukutshala imali yakho kwidiphozi yasebhange noma uma ukhetha ukuyiphatha ngokwakho emakethe yamasheya.