Ama-akhawunti asebhange angenye yemikhiqizo yokonga iningi elitholwa ngabasebenzisi. Wonke umuntu ubhalisile, ukuqondisa izikweletu zakhe zasekhaya, ukuthola inani lamaholo abo noma ukumane asebenze nebhange labo elijwayelekile. Kungumkhiqizo webhange Kulula kakhulu ukuyisebenzisa futhi lokho akudingi ulwazi olukhethekile lwezezimali. Kungaba futhi ngumthombo wenzalo kubhalansi yemali oyongile. Yize ngenzuzo encane ngenxa yentengo eshibhile yemali yi-European Central Bank (ECB). Ngenani lale mpahla ebonakalayo ku-0% nakwezomlando ophansi.
Zonke izinhlangano zebhange zinomkhiqizo onalezi zici. Ngaphansi kwamafomethi ahlukile: ama-akhawunti abantu abasha, online noma kulabo abazisebenzayo. Kunama-akhawunti amaningi wokuhlola njengoba kukhona abamukeli bale nsizakalo yezezimali. Ngoba zibalulekile ukwenza ukunyakaza okuhlukile kwebhange noma ukufinyelela amakhadi esikweletu. isikweletu noma ukudonswa kwemali. Ngamafuphi, azinakuphuthelwa nganoma yisiphi isikhathi. Noma ngabe yisiphi isimo osethula ngaso sonke isikhathi.
Kunoma ikuphi, okunye kwezingqinamba ezinkulu zalo mkhiqizo wezezimali kufaka uchungechunge lwamakhomishini angaba yingozi kakhulu ezithakazelweni zakho njengomsebenzisi. Ukufika ezingeni lokuthi kungabandakanya izindleko zonyaka ze phakathi kwama-20 no-100 ama-euro cishe. Kodwa-ke, izindaba ezinhle ukuthi kusukela manje ungasusa le ndleko. Ukuze ngale ndlela, ubunikazi bayo bungakubizi i-euro eyodwa. Ngeke kube ngumsebenzi onzima ukwenza futhi kuzodingeka ulandele uchungechunge lwamathiphu asebenza kahle ukufeza le nhloso oyifunayo.
Ungawaqeda kanjani amakhomishini?
Uma ufuna lokho kusukela manje awunalo uhlobo oluthile lwezimali ezikhokhelwayo, ngeke ube nesinye isixazululo ngaphandle kokwehluka kwezenzo zakho njengomsebenzisi wasebhange. Ngale ndlela, lawa macebo ezenzweni zakho ngeke azuzise kuphela ukuqeda lezi zinkokhiso zasebhange. Kepha futhi kungakusiza thuthukisa izinga lenzalo lokho kusebenza kuwe njengamanje. Ngoba umholo wabo usezingeni eliphansi ngokomlando, ngesivuno esingajwayelekile ukudlula amazinga we-0,1%.
Ngaphezu kwalokho, uzokwazi ukuthola uchungechunge lwe- imikhiqizo yasebhange mahhala. Phakathi kokunye okubaluleke kakhulu kunamakhadi asebhange, ukudluliswa kwezwe lonke futhi kwezinye izimo ukukhishwa kwentambo yesikweletu ngaphansi kwezimo ezincanyelwayo. Lokho wukuthi, ngesaphulelo sezingxenye ezimbalwa zeshumi zamaphesenti ngokuqhathaniswa namanani abo wangempela. Njengoba ukwazi ukubona kusukela manje kuqhubeke, ungelula i-akhawunti yakho ngaphezu kokucabanga kwakho kusukela ekuqaleni. Ngabe ufuna ukukufakazela?
Ama-akhawunti anemali edonswa ngqo
Uhlelo lokuqala lokuthola i-akhawunti ngaphandle kwamakhomishini lwenziwa ngomnikelo weholo, impesheni noma imali engenayo ejwayelekile. Kuyindlela yokususa zonke izindleko ezithintekayo ekuqashweni komkhiqizo wasebhange njengalona. Ngaphezu kwalokho, izimbuyiselo ezilinganisweni ezifika ku-5% zingakhiqizwa. Njengasesimweni esithile salokho okuthiwa I-Akhawunti Yokukhokha leyo Bankinter yenzele amakhasimende ayo. Ngemali ephansi engaba ngu-1.000 XNUMX euros. Ngethuba lokuthi ube nokusebenzisa ngokweqile okufika enanini lemali engenayo exhunywe kwi-akhawunti. Kanye nokufinyelela ochungechungeni lwamakhredithi esimweni sokukhetha.
Enye yezinzuzo ezifanele kakhulu zale modeli yokuxhumanisa isho izinzuzo ezingeziwe zaleli su lokuhweba. Phakathi kwabo, inketho yokubhalisa imali yesikhathi ngesivuno esikhulu kakhulu. Ngoba empeleni, lolu hlobo lwe-akhawunti lukuvumela ukuthi wonge imali ngokunenzuzo ngalo mkhiqizo. Yize inikwe amandla kuphela ama-tranches ngezilinganiso ezincane kakhulu, ze- kufika kuma-euro angama-10.000 cishe. Ngokuphathelene nesikhathi esilinganiselwe kakhulu, kusuka ezinyangeni ezimbalwa kuze kufike onyakeni owodwa. Ngaphandle kokukwazi ukuvuselela lapho kuphela isikhathi.
Ama-akhawunti anikezwe ku-inthanethi
Enye ifomethi eqeda amakhomishini iku-inthanethi. Kuyindlela elula nenethezekile yokwenza lo mkhiqizo wasebhange ngokusemthethweni. Futhi lokho futhi kukhulisa kancane inzuzo yayo, ngamaphesenti ambalwa eshumini ngokuqhathaniswa namamodeli wendabuko amaningi. Ngaphandle kwezinye izindleko ekuphathweni noma ekugcinweni kwayo ukuze ukulondolozwa kwabasebenzisi kuqhubeke njalo ngonyaka. Ukufika ezingeni lokuthi angama-akhawunti anyuswa yizikhungo zezikweletu ngokusabalalisa okukhulu. Okuhloselwe zonke izinhlobo zamakhasimende, amasha namadala.
Ngakolunye uhlangothi, ama-akhawunti aku-inthanethi agcina zonke izinzuzo nezinsizakalo zezendabuko. Ngaphandle kokulahla lezi zinzuzo kusuka kumzuzu oqondile wokwenza kwawo ngokusemthethweni. Ukuze ngale ndlela, usebenzise amandla we phatha ukonga ngezinsiza ezinkulu. Unezinhlobonhlobo zemikhiqizo enalezi zici, kusuka kumabhange aku-inthanethi nakwezinto zomzimba ukuze ukwazi ukuzivumelanisa nezidingo zakho eziseduze.
Ukwethembeka okukhulu kwamakhasimende
Amafomethi we-inthanethi akhona kulezi zinhlobo zokuphatha. Imfuneko kuphela ezoba ne- inkontileka yemikhiqizo eminingi ngebhange lakho elijwayelekile. Phakathi kwazo, izinhlelo zempesheni, izimali zokutshala imali noma umshwalense. Ngaleli qhinga uzokwazi ukukhipha zonke izindleko ezitholwe kwi-akhawunti yakho yokonga. Futhi ngasikhathi sinye lapho uzothola khona izimo ezinhle kakhulu zokusetshenziswa kwezinsizakalo ezinkulu zebhange. Imikhiqizo eminingi enenkontileka izothuthukisa izimo zale akhawunti yokonga. Ukuthuthuka kwalo mkhiqizo wezezimali kulawulwa yile filosofi.
Esinye isici okufanele usicabangele kusukela manje kuqhubeke ukuthi amakhomishini alolu hlobo lwe-akhawunti zisuswa unomphela. Okungenani inqobo nje uma uhambisana nezidingo obekelwe zona ezivela kumabhange. Ngokususwa kwazo zonke izinhlobo zamakhomishini nezinye izindleko ekuphathweni noma ekugcineni kwawo. Lokho wukuthi, izindleko zalawa ma-akhawunti zizoba zero. Unganciphisa ngazo lezi zindleko ezicasulayo minyaka yonke kusuka ekuqashweni kwanoma yimaphi ama-akhawunti analezi zici.
Ngensizakalo eyenziwe ngezifiso
Isinqumo sokugcina okufanele ugweme ukukhokha i-euro eyodwa nge-akhawunti yakho yokuhlola xoxisana nemibandela nebhange uqobo. Ukuze ngale ndlela, bakunikeze ukwelashwa okukhethekile ebudlelwaneni bakho nebhizinisi. Kodwa-ke, akuwona wonke amakhasimende angafinyelela kulesi simo. Uma kungenjalo, ngokuphambene nalokho, kuphela abasebenzisi abakhulu bebhange. Uma bekunjalo, siyakuhalalisela, ngoba kusukela manje kuqhubeke uzowasusa la macala ku-akhawunti yakho yasebhange.
Izimfuno ezizofakwa kuwe emahhovisi asebhange zingaba nzima kakhulu. Vele, kuzofanele ukuthi ube solvent kakhulu bese wethula ifayili lasebhange elihlanzeke kakhulu. Vele akufanele ube izikhundla ezikweletwayo. Futhi uma unenkontileka neminye imikhiqizo yasebhange (izinhlelo zempesheni, izimali zokutshala imali, izinhlelo zokonga noma umshuwalense) okungcono kunokuvikela kangcono izintshisekelo zakho. Ngoba ekugcineni kosuku ngeke bakukhokhise i-euro eyodwa ngokugcina i-akhawunti yakho yokonga. Ngaphandle kokusebenza okwenziwe ibhalansi etholakalayo kule fomethi.
Ukubhanga okuku-inthanethi vs ukubhenka kwendabuko
Vele, esinye isici okufanele usihlole kusuka manje kuqhubeke ukuthi ukubhenka nge-inthanethi kungenzeka kakhulu ukuthi kuthuthukiswe lezi zindlela zokonga. Ngoba empeleni, cishe kuzo zonke izimo baveza ama-akhawunti akhululiwe kumakhomishini nolunye uchungechunge lwezindleko ezihambisana nawo. Ngokuyisisekelo ngoba ukuphathwa kwayo nokufinyelela kokuqukethwe kusefomethi ye-inthanethi futhi ngeke kudinge ukuba khona ngokomzimba yabasebenzi ukukusiza ezinkambisweni zokuphatha. Ngalokho, ngaphezu kokukhululeka kulezi zindleko, kuzokuvumela ukuthi uthole inzuzo engcono yebhalansi emaphakathi etholakala kuleyo naleyo akhawunti.
Ngakolunye uhlangothi, uzokwazi ukwazi ukwehluka kwebhalansi yakho noma ukunyakaza kwakho nganoma yisiphi isikhathi nasesimweni. Noma kungenzeka bika noma isiphi isigameko ukuze ube nakho. Isibonelo, ukulahleka noma ukwebiwa kwekhadi lesikweletu noma lasebhange elihambisana ne-akhawunti. Ngenzuzo yokuthi le misebenzi ingenziwa nganoma yisiphi isikhathi sosuku, noma ebusuku noma ngezimpelasonto. Ukufika ezingeni lokuthi uzobe usesimweni esifanele ukukhansela noma ukuvimba omunye umkhiqizo wasebhange.
Kunoma ikuphi, ukukhishwa kwekhomishini kuyisu lokuhweba iningi lamabhange aseSpain alifunayo. Ngesizathu esilula kakhulu sokuchaza futhi lokho kuhambela isidingo sokwakha ukwethembeka kwamakhasimende. Ukuzama ukubavimba ukuthi bangahambi kokunikezwa kwephromoshini okwenziwe ezinye izikhungo zezezimali. Ukuba yisinyathelo sokuqala abasithathayo ukuze umsebenzisi ahlale enhlanganweni yabo ejwayelekile. Kunoma ikuphi, kuphinde kuhambisane nolunye uchungechunge lwezinyathelo, njengokukhulisa inzalo kubhalansi noma ukuthola amakhadi esikweletu noma asebhange ngokuphelele mahhala. Ngisho nakwezinye izimo eziqondile kakhulu, ungacela imali engaphambili yemali oyikhokhela yanyanga zonke noma imali oyiholayo ejwayelekile.