Ukuba ne-akhawunti ebhange kuvamile. Ukuthi bakukhokhise amakhomishini, futhi. Nokho-ke, sekunesikhathi eside laba bengenzi lutho ngaphandle kokukhuphuka becabangela ukuthi imali akulula ukuyithola, ukuyithatha ngenxa nje yokuba ne-akhawunti yinto engathandwa muntu. Ngakho-ke, kuthiwani mayelana nokuthi sikhulume nawe ngama-akhawunti angcono kakhulu ngaphandle kwamakhomishini?
Ngezansi sizokutshela ngama-akhawunti athile ongakwazi ukuwavula futhi okungeke kudingeke ukuthi uthwale amakhomishini futhi azothatha ingxenye yemali yakho ngenxa nje yokuthi igcinwe ebhange. Uyafuna ukwazi ukuthi ziyini?
Kungani amabhange ekhokhisa amakhomishini?
Amakhomishana lapho enza ezinye zokuphatha, izindleko zesondlo... ingabe ashaya insimbi? Lezi ezinye zezindleko okuzodingeka uzithathe ngokuba ne-akhawunti ebhange. Okusho ukuthi, ngokushiya imali yakho ebhange ukuze iphephe, kubiza imali.
Iningi lezinkokhelo ngokuvamile likhokhiswa ngokusebenzisa amasevisi e-akhawunti. Isibonelo, uma udlulisela imali kwelinye ibhange, lingakukhokhisa phakathi kwama-euro angu-4 no-20 (okugcina uma kuwukudlulisela kwelinye ibhange elingaphandle kwezwe). Kodwa bangaphinde bakukhokhise ngokuba nekhadi lesikweletu (ukuligcina), ngokugcina i-akhawunti ivuliwe, ngokwenza inkokhelo yebhili...
Futhi ezimweni eziningi akushibhile, ngakho abaningi banquma ukubheka ama-akhawunti angenayo ikhomishini ebavumela ukuthi balondoloze kulokhu.
Yimaphi ama-akhawunti angenakhomishini angcono kakhulu?
Ngaphambi kokukutshela ngakunye esikutholile (ngokuqhathanisa), kufanele sikuxwayise ukuthi lolu lwazi lungase luguquke lusuka enyangeni luye kwenye. Kungenzeka ukuthi, uma ufunda lesi sihloko, sekudlule isikhathi futhi isipho ababesibeke ebhange asisekho. Kodwa-ke, cishe bahlala benenye, engcono noma elingana neyangaphambili, ngakho-ke izokunikeza umbono wohlobo lwamabhange akhathalela amakhasimende (hhayi mayelana nokwenza inzuzo kuwo).
Isincomo sethu ukuthi, lapho ufuna ama-akhawunti angcono kakhulu amahhala wekhomishini, bheka ngokujwayelekile bese uya ngqo kulelo bhange ubuze noma yimiphi imibuzo abanayo mayelana nalawa ma-akhawunti amahhala (uma asenawo, izimo, futhi ngaphezu kwakho konke. , ukuphrinta okuhle).
Sesikushilo lokho, esikutholile ngalesi sikhathi yilezi ezilandelayo:
I-akhawunti ye-MyInvestor
Cishe ngeke umazi. Eqinisweni, ayaziwa kakhulu, kodwa iqiniso ukuthi iyona engcono kunazo zonke enyangeni kaNdasa.
Okokuqala nje, abawakhokhisi amakhomishini ngokulungisa, ukuphatha, ukudluliswa kwemali noma amakhadi edebithi.
Ngaphezu kwalokho, ibhalansi yokuqala engu-50.000 yama-euro onayo ku-akhawunti yakho futhi uyigcine unyaka izoba nenkokhelo engu-2%, futhi kusukela ngonyaka wesibili izokwehla ibe ngu-0,3% TIN.
Njengoba akhangisiwe, "ayibhange le-neo lenkululeko: azikho izintambo ezinamathiselwe, azikho izimali."
Manje, ngokuqinisekile uzofuna ukwazi ukuthi yiliphi ibhange leli elinikeza i-akhawunti. Yakhiwe ngo-2017 futhi iyibhange ledijithali elisetshenziswa yi-Andbank Spain. Yebo, njengoba ufunda, sikhuluma ngebhange laseSpain. Ngo-2022 ibivele inamakhasimende angaphezu kwe-150.000 kanye nama-euro angaphezu kwezigidi eziyi-10 ngonyaka.
I-akhawunti ye-inthanethi ye-Banco Sabadell
Uma ufuna ukuba nezinketho eziningi ngaphakathi kwama-akhawunti angcono kakhulu ngaphandle kwamakhomishini, enye inketho engeyimbi neze yilena evela ku-Banco Sabadell.
Njengoba kucacisiwe, ngeke ube nemibandela noma amakhomishini, futhi uzothola inkokhelo engu-2% ngonyaka wokuqala kuma-euro akho okuqala angu-30.000.
Mayelana nekhadi ledebhithi, limahhala futhi akudingekile ukuba ukhokhe iholo lakho noma amarisidi uma ungafuni. Uma uhlala emholweni, futhi ungomunye wamakhasimende okuqala angama-20.000, azokunikeza ama-euro angama-250. Kodwa ngalokho kufanele uqiniseke ngaphambili, ungamangali ukuthi akufinyeleli kuwe.
I-akhawunti yamanje yase-Orange Bank
I-Orange ayiphethe i-inthanethi kuphela, ucingo… kodwa futhi isebenza nebhange. Kunjalo, banikeza imibandela ethile uma uyikhasimende le-Orange, kanti abanye uma ungelona.
Ngakolunye uhlangothi, ngeke ube namakhomishana noma imibandela. Ngakolunye uhlangothi, uzoba ne-akhawunti ekhokhelwayo engu-1,3% uma ungelona ikhasimende lase-Orange, kanye no-1,5 uma uyikhasimende. Futhi ekugcineni, ikhadi ledebithi limahhala.
I-akhawunti akuyona i-akhawunti ye-ING
Le akhawunti ye-ING (sikukhumbuza ukuthi leli bhange laqala ku-inthanethi futhi akekho owayelethemba, futhi manje selingelinye lathenjwa kakhulu) likunikeza i-akhawunti yamahhala (i-TIN ne-TAE ngo-0%). Ngeke udinge ukuhlala noma amarisidi noma iholo lakho noma iholo.
Uzoba nekhadi ledebithi elibonakalayo kanye nokudluliswa kwemali ngaphandle kwezindleko. Ngaphezu kwalokho, unomshwalense wokuthenga ku-inthanethi (kuyinqubomgomo ekuvikela ekuthengiseni okwenzayo ku-inthanethi futhi, uma kube khona into engavamile, bazobuyisela inani).
Abanca sula i-akhawunti (yamanje noma i-payroll)
Elinye lama-akhawunti angenakhomishini angcono kakhulu yilo. Okokuqala, uma uqondisa idiphozi yomholo wakho, bakunikeza ama-euro angama-300. Ayinawo amakhomishini futhi i-APR ingu-0%. Baphinde bakunike ikhadi ledebithi lamahhala futhi bakuvumela ukuthi ube nomnikazi oyedwa noma ababili ku-akhawunti (into ebalulekile ezimweni eziningi).
I-akhawunti eku-inthanethi NGAPHANDLE Komholo we-Unicaja
Sihamba nelinye ibhange elaziwa kangcono ukuze sikunikeze i-akhawunti yedijithali. Ngeke ube nemali yesondlo, yokuphatha noma yokudlulisa futhi uzothola iholo elingu-1% TIN ngonyaka wokuqala (owesibili ngo-0,5%) ngaphandle uma uhlala endaweni yokuholelwa, enyusa unyaka wokuqala ibe ngu-2,01%, ebhalansi engu-30.000. ama-euro.
Uma uyikhasimende elisha ungathola ama-euro angu-600 omholo, futhi uma ufaka iholo ngokuqondile bazokunikeza u-100 wama-euro wembuyiselo kumarisidi.
Ikhadi lasebhange limahhala.
Njengoba ubona, ama-akhawunti angcono kakhulu angenayo ikhomishini akhona, futhi ungonga imali eningi ngokuwakhetha ngaphezu kwamabhange aqhubeka nokukhokhisa ukugcinwa kanye namakhomishana akho konke. Manje kukuwe ukuthi ukhethe leyo evumelana kangcono nezidingo zakho futhi, ngaphezu kwakho konke, leyo ekunikeza ukuzethemba okukhulu. Ingabe ikhona enye i-akhawunti yamahhala oyaziyo ethokozisayo? Sishiyele yona emazwaneni.