Ama-akhawunti akhokhelwayo: aqukethe ini?

izikweletu Ama-akhawunti akhokhelwayo angumkhiqizo wasebhange inhloso yawo enkulu ukukhuthaza ukonga phakathi kwamakhasimende. Kuyimodeli efakwe kulo mkhakha isikhathi eside futhi ethathwa njengecebo ukuze bakwazi sebenza nesikhungo sakho sezezimali. Cishe nonke ninomkhiqizo onalezi zici, yize unikeza ubunikazi bawo. Ama-akhawunti akhokhelwayo njengamanje akhona eBBVA, eBanco Sabadell, eSantander, eCaixabank, e-Evobank kanye nohlu olude lwezikhungo ezikweleta ezinikeza le ndlela yokonga.

Enye yezinhloso zama-akhawunti akhokhelwayo ukuthi abasebenzisi bangathola imbuyiselo encane kokulondoloziwe kwabo. Ukuze kancane kancane inhlokodolobha yakho inyuke kulokhu umkhiqizo wasebhange. Kodwa-ke, ukusebenza kwabo okwamanje kusezingeni eliphansi kakhulu eminyakeni yamuva. Njengomphumela wenqubomgomo yokwehlisa intengo yemali eyenziwe yi-European Central Bank (ECB) ukuphuma enkingeni yezomnotho eyenziwe ngo-2017. Ukuthi iphuzu lentengo yemali namuhla alifanele neze. Okungukuthi, iku-0% Ngenxa yalokhu, ukuheha kwama-akhawunti akhokhelwayo kwehle kakhulu eminyakeni yamuva.

Ama-akhawunti akhokhelwayo njengamanje awanikeli ngaphezu kuka-0,1% ngenxa yaleli su lemali. Lapho kuphela ama-akhawunti akhokha kakhulu akwazi ukudlula la mazinga aphansi. Yize kungena ngokugcwalisa a iqoqo lezimo, njengoba uzokwazi ukubona ngezansi. Kunoma ikuphi, abakafiki ezingeni leminyaka yokuqala yaleli khulu lapho ubungayenza ibe semthethweni ngokuphelele i-akhawunti yokonga enenzalo engaphezulu kwe-1%. Noma ngisho nakuma-akhawunti adumile akhiqiza imbuyiselo enhle kakhulu kulondolozo lomsebenzisi.

Ama-akhawunti: unikela malini?

dineroVele, ama-akhawunti akhokhelwayo awasakhiwa njengethuluzi lokukhulisa ukonga. Uma kungenjalo, kunalokho, kuyimoto yasebhange esebenza ukugcina ukuxhumana nebhange lethu. Kusuka lapho ungakwazi khona Izikweletu zasekhaya zokuhlala (igesi, ugesi, amanzi, njll.), dlulisa noma mane uthole umholo wakho. Ngakolunye uhlangothi, kusuka kulolu hlobo lwe-akhawunti yasebhange uzokwazi ukuthola olunye uchungechunge lwemikhiqizo yasebhange, noma mahhala. Kusuka kumakhadi wendabuko noma amakhadi asebhange ukuya kumadiphozithi wesikhathi esimisiwe noma ezinhlelweni zokonga ezahlukahlukene.

Ama-akhawunti akhokhelwayo njengamanje a umkhiqizo webhange obalulekile, kepha lokho akukuletheli noma yiluphi uhlobo lwentshisekelo. Okungenani kuze kube yilapho inqubomgomo yemali yamanje ilandelwa ngumzimba olawulayo waseYurophu. Kepha noma kunjalo, ama-akhawunti akhokhelwayo awafani kodwa ungakhetha phakathi kwamamodeli ahlukahlukene ahlangabezana nephrofayili yakho njengomsebenzisi wasebhange. Akumangalisi ukuthi lokhu kungenye yeminikelo emikhulu ama-akhawunti akhokhelwayo abekade ekhula iminyaka ethile. Ngaphandle kwezinsizakalo noma izinzuzo ezikunikeza ngaso sonke isikhathi.

Ama-akhawunti akhokha kakhulu

inzalo Yifomethi enhle kakhulu yokonga izintshisekelo zakho njengekhasimende lasebhange. Phakathi kwezinye izizathu ngoba ngumkhiqizo okunika intshisekelo enkulu okwamanje. Ukusebenza kwakho kungakwenza khuphukela cishe ku-1%, kodwa ngokuhambisana nochungechunge lwezimfuneko eziyisisekelo. Okunye okuvame kakhulu ukuthi ngeke ube nenye indlela ngaphandle kokuqondisa umholo wakho, impesheni noma imali ohola ngayo ukuze uthuthukise inzuzo yakho. Kwezinye izimo, zizokudinga nokuthi uxhumanise amanye amarisidi asekhaya noma ngisho nokuthenga umshuwalense. Ama-akhawunti okuthiwa akhokha kakhulu asuselwa kuleli su.

Ukunikezwa kwamanje kwala ma-akhawunti analezi zici ezikhethekile kuye kwehla eminyakeni yamuva. Kuze kube seqophelweni lokuba neziphakamiso ezimbalwa zebhange ezithile. Lapho futhi abangafaka khona i- Ibhalansi encane ngokufanayo lokho kuzobiza kakhulu. Ngakolunye uhlangothi, ukubandakanyeka kwamakhasimende nakho kutholakala ekumaketheni kwakho. Ngokuthola izinkontileka kweminye imikhiqizo yasebhange (izimali zokutshala imali, izinhlelo zempesheni noma umshuwalense). Yebo, njengoba uhlangana kakhulu nebhange lakho elijwayelekile, inzalo ekhiqizwa yilolu hlobo lwe-akhawunti izokhula.

Inzalo engezansi kwamandla emali

Isici salokho okukhokhelwayo ama-akhawunti ukuthi akuvumeli ukuthi uphinde uthole ukwenyuka kwentengo. Ngoba zingaphansi kwezindleko zokuphila. Ngalo mqondo, kufanele kukhunjulwe ukuthi i-Consumer Price Index (CPI) inyuke ngo-0,1% ngoMashi uma kuqhathaniswa nenyanga edlule futhi selivele lifinyelele ezingeni eliphezulu kakhulu kusukela ngoNovemba odlule, ngo-1,2, ngokusho kwedatha yakamuva enikezwe yiNational Institute of Statistics (INE). Lokhu ngokwenza kusho ukuthi ama-akhawunti akhokhelwayo awenzi nzuzo kunoma iyiphi indawo yokubuka. Akumangalisi ukuthi ulahlekelwa yimali inyanga nenyanga ngenxa yalo mkhuba wemali.

Uma lokho okufuna ngempela ukwenza ngcono ibhalansi yezimpahla zakho, kuzoba ngcono kakhulu uma ubheka komunye umkhiqizo wasebhange onenzuzo enkulu okwamanje. Yize kufanele uthathe ubungozi obukhulu ekuvezweni kweminikelo yakho yezezimali. Kepha kuma-akhawunti akhokhelwayo ngeke uyizuze le nhloso. Ngebhalansi lama-euro angama-50.000 uzoba nomvuzo omncane ka- phakathi kwama-10 no-15 ama-euro. Kuze kube seqophelweni lokuthi uzozibuza ukuthi ngabe kufanelekile ngempela ukubhalisela lo mkhiqizo okuhloswe ngawo ukonga. Noma udinga esinye isigaba sezimoto zasebhange ukwanelisa lesi sidingo bonke abasindisi baseSpain abanaso.

Kulula ukuqasha

ukuqasha Naphezu kwakho konke, lezi zinhlobo zama-akhawunti zivuna bona ukuthi zilula kakhulu ukuzenza zibe semthethweni futhi azidingi ulwazi olujulile ngazo. Nge amafomethi ahlukahlukene kuya ngephrofayili yomsebenzisi oyethula ngaso sonke isikhathi. Ama-akhawunti abafundi, abasebenzi abaziqashile, asebethathe umhlalaphansi noma abasebenza kuhulumeni ngamanye afanele kakhulu amabhange anawo njengamanje. Ungabhalisela kusuka ku-euro eyodwa futhi inzuzo yabo izoqala ukubalwa kusukela ekuqaleni. Yize njengoba besesikutshelile kule ndatshana ngenani lenzalo engezansi komlando ophansi.

Ngokuvamile ungafaki amakhomishini noma ezinye izindleko ekuphathweni noma ekugcineni. Okungeke kukubize ngalutho ukukuqasha futhi ungathola amakhadi esikweletu noma okukhokha mahhala. Ngakolunye uhlangothi, ama-akhawunti akhokhelwayo awanaso isikhathi sokuhlala unomphela. Uma kungenjalo, kunalokho, ungawakhansela ngesikhathi obona kufanele ngaso. Lelisu livame ukunikezwa izincomo eziningi kakhulu izikhungo ezikweleta abantu ezikhulayo. Lapho kujwayelekile impela ukusuka kwi-akhawunti eyodwa ekhokhelwe uye kwenye ngesikhashana esifushane.

Ubungozi bokubomvu

Kunoma ikuphi, ama-akhawunti akhokhelwayo anobungozi futhi lokho kungukuthi ungadonswa ngokweqile. Ngoba empeleni, lesi simo sizodala izinhlawulo ezinkulu ezingalimaza izintshisekelo zakho. Ngalo mqondo, izinombolo ezibomvu kubhalansi ye-akhawunti yamanje zingaholela ekukhokheni imali eningi kunalokho obekucatshangwa ekuqaleni. Ngoba awukwazi ukukhohlwa ukuthi ukuhlala kubomvu kungakukhokhela kakhulu. Lapho i-overdraft yama-euro ambalwa kuphela izinsuku ezimbalwa ungagcina ushiye ngama-euro angaphezu kwama-50. Kunesizathu esilula ukusiqonda esisichazayo: amakhomishini aphakeme kunezintshisekelo.

Kunoma ikuphi, ama-akhawunti akhokhelwayo akunikeza indlela yokugwema lezi zimo ezingemnandi. Isibonelo, ngokusebenzisa ukudonswa kwemali ngqo kwiholo lakho. Ezinye izinhlangano zikuvumela ukuthi ube ne-overdraft yenani eliphelele leholo lakho elijwayelekile. Ngale ndlela, ngeke kudingeke ukhokhe noma iyiphi ikhomishini uma weqa le migomo kubhalansi ye-akhawunti yakho yokubheka. I-Bankinter, nge-Akhawunti yayo Yomholo, ikwenza ukwazi ukukhetha lesi sixazululo ezinkingeni zakho. Noma kungenye indlela yokuqasha idiphozi yesikhathi esimisiwe ngenzuzo efinyelela ku-5%.

Kunoma ikuphi, kulula kakhulu ukuthi i-akhawunti ekhokhelwayo ibhaliswe ngoba kuyimoto yasebhange ukufinyelela ezinye izinhlobo zemikhiqizo yezezimali. Futhi uma uhlangabezana nemibandela yenkontileka, ngaphandle kwesidingo sokuthi ube nesikhathi semali kusukela manje kuqhubeke. Ngenzuzo enkulu onayo ukunikezwa okubanzi kulesi sigaba semikhiqizo yasebhange. Njengakolunye uhlangothi, kwenzeka kuwe kwamanye amamodeli anikezwa izikhungo zezezimali.

Ngoba ukuqeda, awukwazi ukusebenza kulezi zinsuku ngaphandle kwe-akhawunti yalezi zici. Uzokwazi ukuphuma ezinkingeni ezingaphezu kwesisodwa futhi bazokumangalela nakwezinye izingosi ukwenza imisebenzi yokukhokha noma yesikweletu. Isibonelo, ukwenza isitatimende semali engenayo ngokusemthethweni noma ukuthola uxhaso lokungasebenzi, phakathi kweminye imisebenzi efanelekile. Kunoma ikuphi, uma kukhona umkhiqizo obalulekile, lokho ngokungangabazeki ama-akhawunti akhokhelwayo. Noma kunjalo ngeke kukuqashise ama-euro amaningi njengenzalo emaphakathi. Okungenani kulezi zikhathi esiphila kuzo.


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  1. Ubhekele imininingwane: Miguel Ángel Gatón
  2. Inhloso yedatha: Lawula Ugaxekile, ukuphathwa kwamazwana.
  3. Ukusemthethweni: Imvume yakho
  4. Ukuxhumana kwemininingwane: Imininingwane ngeke idluliselwe kubantu besithathu ngaphandle kwesibopho esisemthethweni.
  5. Isitoreji sedatha: Idatabase ebanjwe yi-Occentus Networks (EU)
  6. Amalungelo: Nganoma yisiphi isikhathi ungakhawulela, uthole futhi ususe imininingwane yakho.