Ngokuthuthuka kobuchwepheshe bolwazi, izinsiza zamabhange kanye nokuphathwa kwe-inthanethi kuye kwakha uhlelo lwezezimali olusebenza kahle kakhulu. Impela ngenxa yalesi sizathu, lolu hlu olulandelayo luhlose ukutadisha i-akhawunti ye-inthanethi yokunquma ukuthi yiziphi ezihamba phambili zango-2022.
asebenza kanjani ama-akhawunti Online?
Namuhla, izinsiza zamabhange zishesha kakhulu futhi ziyafinyeleleka kunangaphambili: sibonga ukuthuthukiswa kobuchwepheshe bolwazi kanye nokuthuthuka ngokungakhethi kwezokuxhumana, umkhakha wamabhange unikeza ithuba lokuphathwa komuntu siqu ngokusebenzisa amapulatifomu nezinhlelo zokusebenza zeselula lokho qinisekisa ukufinyelela ngokushesha kuma-akhawunti omuntu siqu.
Ngalo mqondo, i izikweletu online basebenza ngendlela efanayo nama-akhawunti zendabuko, nakuba ngezici ezithile ezingezabo: ukufinyelela ngokushesha, isivinini sokuthengiselana, imibiko yokubuyisela imali enkulu, isicelo sezinsizakalo zezezimali ezifana nemalimboleko, amakhredithi kanye nomshwalense.
Ngokufanayo, la ukuzenzekelayo kokusebenza kunciphisa izindleko zokuphatha, ngalokho oyikho ishibhile kumakhasimende: ukuntuleka kwamakhomishini, izindleko zokuphatha kanye namazinga amisiwe. Eqinisweni, kukhona ama-akhawunti akhokhelwayo aze anikeze imbuyiselo ehlobene nokusetshenziswa kwawo noma ukukhishwa kwamakhadi ngaphandle kwenkokhiso.
usezingeni wokubala online zamanje
Uhlu olulandelayo lubuyisa ama-akhawunti angcono kakhulu online kuye ngohlobo lwe-akhawunti online okuyiyo, izinzuzo nokusebenza kwayo. Izinhlobo ezahlukene zama-akhawunti ethulwa ngezansi zifaka izici nezinzuzo ezabiwe. Ngakho-ke, lezi akuzona izigaba ezihleliwe, kodwa Ahlelwa ngokwalokho isici esivelele kulowo nalowo. wabo —ngokwesibonelo, inzuzo noma izindleko.
Ama-akhawunti angenawo amakhomishini
Okokuqala, kukhona lezi zinhlobo izikweletu online awekho amakhomishini noma izindleko zokunakekela. Lezi zinhlobo zama-akhawunti zisetshenziselwa ukwenza imisebenzi yasebhange evame kakhulu mahhala, Ngaphansi kwezimo ezithile: idiphozi ngqo iholo, gcina ibhalansi ku-akhawunti, yenza amadiphozithi amaningi njalo ngenyanga, njll.
Lezi zinhlobo zezimo nezinzuzo ezingabizi kakhulu zingatholakala kwezinye izinhlobo zama-akhawunti—imali ekhokhwayo, ekhokhelwayo, eyonga—, nokho, okuphawula lolu hlobo lwe-akhawunti ukuthi izidingo zincane futhi ngenxa yalokho elula kakhulu ekuphathweni komuntu siqu. Phakathi kwakhe izinzuzo eziphambili kungashiwo:
- Ukushoda kwamakhomishini, izindleko zokunakekela kanye nezindleko ezingaguquki
- ikhadi lasebhange lamahhala
- ukudluliselwa kwamahhala
- Ayidingi ukudonswa kwemali kwabasebenzi
- ubunikazi obubili
Ngakolunye uhlangothi, phakathi yokuntula main kungashiwo:
- Awunalo ikhadi lesikweletu lamahhala
- Ukushintshanisa imali kunezindleko
Ama-akhawunti wabasebenzi
Lolu hlobo lwama-akhawunti online zibonakala ngokunikela izinzuzo ezihlukene uma kwenzeka kudonswa imali ekhokhwayo ngqo nenkampane. Izinzuzo ezinikezwayo zizoncika ebhizinisini eliphethe i-akhawunti, kodwa ngokuvamile lezi zifanelekile kuzo zonke izimo.
Ngalezi zinhlobo zama-akhawunti online amakhasimende abe nethuba lokudonsela imali ekhokhwayo ngqo futhi sebenzisa ngokubona kwakho futhi ngaphandle kwemingcele. Ibhange, ngakolunye uhlangothi, libona ukutholakala okukhulu kwamadiphozithi, ngakho-ke, ukusebenza okungcono kwezezimali. Yingakho benikela izinzuzo njengezipho, amabhonasi noma izimbuyiselo. Okwabo izinzuzo eziphambili Yilezi:
- Ukushoda kwamakhomishini, izindleko zokunakekela kanye nezindleko ezingaguquki
- ikhadi lasebhange lamahhala
- ukudluliselwa kwamahhala
- I-€100 yokudonswa kwemali ngokuqondile emholweni
- ubunikazi obubili
- akukho nzalo
Ngakolunye uhlangothi, le akhawunti eku-inthanethi inokungalungi:
- Umuntu kufanele abe phakathi kweminyaka eyi-18 nengama-31 ubudala
ama-akhawunti anenzalo
Izikweletu online Izinsizakalo ezikhokhelwayo ziwuhlobo lwesevisi isici sayo esiyinhloko ukuthi ziyakuvumela uthole inzuzo emsebenzini wakho. Ngempela, banikeza a imali ngendlela yesithakazelo, kuye ngediphozithi eyenziwe: iklayenti gcina nje ibhalansi evamile ku-akhawunti yakho.
Lokhu, nokho, akuvimbeli ikhasimende ukuthi lilahle imali yalo ngokushesha futhi ayikho imikhawulo —ukuhlonipha imibandela eyasungulwa ngaphambilini nebhizinisi—. Ngokuvamile lawa ama-akhawunti. online lokho zifana kakhulu nama-akhawunti okukhokha. Phakathi kwakhe izinzuzo eziphambili kungashiwo:
- Ukushoda kwamakhomishini, izindleko zokunakekela kanye nezindleko ezingaguquki
- ikhadi lesikweletu lamahhala
- ukudluliselwa kwamahhala
- Kufika ku-€340 iminyaka emibili yokuqala
- Kufika ku-5% APR onyakeni wokuqala
- Kufika ku-2% APR onyakeni wesibili
Phakathi kwakhe ukungalungi Kuyashiwo:
- Alinalo ikhadi ledebithi lamahhala
Ama-akhawunti wamanje
i-akhawunti yamanje Ingenye yendabuko kakhulu kulo mkhakha.. Kuyi-akhawunti eku-inthanethi evumela ukuphathwa kwansuku zonke ngaphandle kwesidingo sanoma yiluphi uhlobo lwesixhumanisi nebhizinisi noma ibhange. Ngalo mqondo, yonke imisebenzi yakudala ingenziwa ngaphandle kwemibandela ebophezelayo.
Lokhu kuyefana maqondana nama-akhawunti amahhala, nakuba becela izidingo ezimbalwa: ngaphandle kokusetshenziswa, amadiphozithi, ukucubungula noma inombolo yokudluliselwa kwanyanga zonke. Nokho, uma benakho izimfuneko ezithile zokuqasha ezingase zihluke. Phakathi kwakhe izinzuzo kungashiwo:
- Ukushoda kwamakhomishini, izindleko zokunakekela kanye nezindleko ezingaguquki
- ikhadi lasebhange lamahhala
- ukudluliselwa kwamahhala
- Izinkokhelo ezivela uhlelo lokusebenza mobile
- Iyacubungula 100% online
Ngakolunye uhlangothi, uma unayo ukungalungi:
- Ayinikezi ngekhadi lesikweletu lamahhala
- Itholakala kuphela kumakhasimende amasha
I-akhawunti yokonga
Ekugcineni, ama-akhawunti online ukonga amathuluzi asebhange inhloso yayo enkulu kuwukulondoloza. Kuyinhlanganisela ye-akhawunti yokukhokha kanye ne-akhawunti ekhokhelwayo, uma nje ukonga kukhiqiza imbuyiselo emaphakathi ngokugcinwa kwebhalansi ku-akhawunti.
Kodwa-ke, ngokungafani nama-akhawunti okukhokha, ayinazo izidingo eziningi kangaka. Ngakho-ke, inzuzo iyancipha, kodwa futhi nenani lemali edingekayo ekuqashweni kwayo. Lolu hlobo lwama-akhawunti akuvumi cela izinsiza zezezimali njengoba intuthuko noma imali ebolekiwe, njengoba inhloso yawo kuwukulondoloza. Phakathi kwakhe main izinzuzo kungashiwo:
- Ukushoda kwamakhomishini, izindleko zokunakekela kanye nezindleko ezingaguquki
- ukudluliselwa kwamahhala
- Ukuhoxiswa kwemali ku-ATM mahhala