Vele, ama-akhawunti angenawo amakhomishini angenye yezinhloso zabasebenzisi basebhange. Ukuze ngale ndlela, lonke uhla lwamakhomishini nezindleko zigcinwe ekuphathweni nasekugcinweni kwayo. Ngokwezinga lapho, ngokwezibalo ezenziwa yizinhlangano zabathengi zikazwelonke, kungaba njalo gcina isilinganiso sama-euro angama-100 ngonyaka. Njengoba kungumkhiqizo oyisisekelo webhange, akunakwenzeka ukukwenza ngaphandle kwaleli thuluzi amaklayenti okufanele ahlanganyele nalo nesikhungo sabo sezezimali. Yize kukhona zonke izinhlobo nemvelo: kubantu abasha, abazisebenzayo noma abangaphezu kweminyaka engama-65.
Okwamanje, ukunikezwa kwamabhange kubanzi kangangokuba cishe zonke izinhlangano zinomkhiqizo walezi zici. Yize kungenzeka ukuthi ukuze usizakale ngalezi zimo kufanele uhlangabezane nezidingo eziningana lokho cishe njalo kudlula ukwethembeka kwamakhasimende. Kunoma ikuphi, enye yezinjongo zakho ukukhomba lo mkhiqizo wasebhange ukuze ukwazi ukuwubhalisa kusukela manje kuqhubeke. Okonga okhiqiza kusuka kuleli thuluzi lokubhanga kukhulu kunakuqala.
Ama-akhawunti amakhomishini, angumkhiqizo ojwayelekile, awucabangi ngomehluko onokwazisa maqondana nesinye isigaba samamodeli. Baze babe nomholo ofanayo nokuthi kunoma yikuphi kubaluleke kakhulu. Njengomphumela wokwehla kwentengo yemali ephakanyiswe yi-European Central Bank (ECB) futhi okuholele ekutheni inzalo yayo yonyaka ibe cishe u-0,1%. Elinye lamazinga aphansi kakhulu eminyakeni yamuva futhi okuholele ekutheni lingabi ithuluzi elanele lokwenza ukonga kube nenzuzo.
Ama-akhawunti angenawo amakhomishini: anjani?
Yebo, lezi zinhlobo zama-akhawunti okonga empeleni zibonakaliswa iqiniso lokuthi zihlinzeka izinzuzo ezifanayo kunakuzo zonke izinhlobo zama-akhawunti asebhange, ngaphandle kokuhlukile. Kusuka ekusebenzeni okuvame kakhulu, njengokudluliswa, ukukhokhelwa okuqondile kwemali ekhokhwayo yasekhaya noma ukuthola izinkontileka zanoma yiluphi uhlobo lwamakhadi wesikweletu noma wedebithi ukufinyelela kwimikhiqizo eyinhloko eyenzelwe ukonga, njengasendabeni ethize yediphozi yethemu. Ngalo mqondo, yi-akhawunti yokonga ejwayelekile ngokuphelele.
Ngakolunye uhlangothi, ngokuvamile bakhiqiza ifayela le- vumela ukonga engadluli amazinga ayi-0,1%. Kubhalansi ye-akhawunti ekhokhelwe. Kodwa-ke, bevela kwi-International Monetary Fund (IMF) baxwayisa ngobungozi baleli su lemali. Kuchazwa muva nje ukuthi "izikhathi zamanani wenzalo ephansi ziholela esilingweni sokuthatha izingozi eziningi kunalokho okufanele." Kunoma ikuphi, kungaba esinye isisusa sokubaqasha kusukela manje kuqhubeke.
Amasu wokuziqeda
Kunoma ikuphi, uhlala unamasistimu okuthi lawa ma-akhawunti akhululwe kumakhomishini nezindleko ekuphathweni nasekugcinweni kwawo. Ngokwalo mbono, unochungechunge lwamasu ngaphambi kwakho lokususa izindleko ezenziwe yi-akhawunti yalezi zici. Enye yezinto ezivame kakhulu ukwenziwa ngokusebenzisa i- ukuqasha i-akhawunti eku-inthanethi. Zonke azinamakhomishini nezinye izindleko. Ngaphezu kwalokho, zikuvumela ukuthi unyuse kancane umholo wakho, ngamaphesenti ambalwa eshumini ngokuqhathaniswa namanye amamodeli wokonga.
Banethuba lokuthi ungazenza zibe semthethweni ngokunethezeka kusuka ekhaya lakho noma enye indawo. Kusuka kukhompyutha yakho noma elinye ithuluzi lobuchwepheshe. Zonke izinhlangano zebhange zifaka eyodwa yalawa ma-akhawunti ekunikezeni kwawo. Ukuze ukwazi ukuxhumana nebhange lakho elijwayelekile ngezinsiza ezinkulu futhi ngaphandle kokuthatha noma iyiphi inkokhelo kusukela ekuqaleni. Ngoba bagcina zonke izinzuzo ezibandakanya le mikhiqizo yasebhange futhi kunezidingo ezinkulu ekubhaliseni kwabo.
Imali ekhokhelwa ekhaya noma enye imali engenayo
Uma uhlanganisa imali ekhokhelwayo, impesheni noma enye imali engenayo ejwayelekile kuma-akhawunti abizwa ngamaholo, uzophinde ufeze le nhloso oyifunayo, okuwukonga zonke izindleko ezitholwe kubaphathi bayo. Ngoba empeleni, wonke la mafomethi kuma-akhawunti afakiwe le nsizakalo yasebhange. Ngaphezu kwalokho, ezinye izinzuzo ezingasiza kakhulu. Njengesibonelo, inkontileka yentela yesitolimende nge ukubuyiswa okuqokiwe kwaminyaka yonke okufika kuma-5%. Inzalo ongayitholi ngamadiphozi avamile amabhange enza ngawo inzuzo ngalo mzuzu oqondile.
Ngakolunye uhlangothi, lolu hlobo lwecebo elikhethekile likwenza ukwazi ukufinyelela uchungechunge lwemihlomulo nezinzuzo zebhange ezilusizo kakhulu kuzintshisekelo zakho. Isibonelo, ukuthola amakhadi wesikweletu noma debit Kumahhala, ukwenza ukudluliselwa kukazwelonke akuyona inkokhelo noma ukufinyelela uhlobo oluthile lwesikweletu ngokuncamela. Kodwa-ke, ezinye izinhlangano zidinga ukwethembeka okukhulu ngokufuna ukuthi ukhokhe izikweletu ezinkulu zasekhaya (amanzi, ugesi noma igesi, phakathi kwezinto ezifanele kakhulu). Kepha ngokushintshana ngezimo ezinenzuzo kakhulu kuwe nakwakho.
Nikeza iphrofayli njengekhasimende elihle
Akungabazeki ukuthi ukuba iklayenti lebhange elihle kakhulu kunezinzuzo zalo futhi okunye okubaluleke kakhulu ukuthi kusukela ngaleso sikhathi ngeke ukhokhe i-euro eyodwa yokuphathwa nokunakekelwa kwama-akhawunti akho. Ngale ndlela, unga ukukhulisa ukonga minyaka yonke. Yize kuliqiniso ukuthi hhayi ngendlela ebabazekayo, okungenani ukukhokhela i-whim encane ngomklomelo ngalo mnikelo owethula kuma-akhawunti akho asebhange. Lapho kuzofanele uxoxisane khona nebhange lakho elijwayelekile ukuze kusukela ngaleso sikhathi ungakhokhiswa ama-akhawunti avulekile.
Ngakolunye uhlangothi, akulula kuwe ukuthi ubheke phansi iqiniso lokuthi ukuba yikhasimende elihle lebhange kukuvumela, hhayi nje ukukukhulula ekukhokheni amakhomishini kuma-akhawunti amanje. Kepha futhi uzoba nokuphathwa okukhethekile lapho wenza isivumelwano neminye imikhiqizo yasebhange. Phakathi kwabo olayini bezikweletu, umshwalense noma izinhlelo zempesheni, phakathi kwezinye zezinto ezifanele kakhulu. Leli isu ongalisebenzisa uma une- ibhalansi ephezulu kakhulu Ku-akhawunti yakho, awunazo izikweletu nebhizinisi futhi ubudlelwano bakho bumanzi kakhulu. Akubona bonke abasebenzisi abanganikeza lezi zici, kepha uma kunjalo, siyakuhalalisela, ngoba uzothola izinzuzo eziningi kusukela manje.
Okunikezwa ngamabhange
Njengoba ama-akhawunti ngomunye wemikhiqizo evame kakhulu, akumangazi ukuthi ingxenye enkulu yomkhakha wamabhange yethula uchungechunge lokunikezwayo mayelana nalo mkhiqizo. Lapho okufana kakhulu kukho konke ukuthi amakhomishini nezinye izindleko ekuphathweni nasekugcinweni kwazo kuyasuswa. Kumele uye emakhasini ewebhu ukuthi izikhungo zezezimali kufanele zihlole ukuthi unayo i-akhawunti enalezi zici. Noma kunjalo enziwe ngaphansi kwamasu ahlukene lokho kungashintshwa kuphrofayili oyivezayo njengomsebenzisi.
Kuyisigaba sama-akhawunti okuhloswe ngaso kuphela kumakhasimende amasha futhi lokho kunezinzuzo ezingasiza kakhulu izintshisekelo zakho. Kumele nje ubone imodeli ekufanele kangcono ukuthi uyisebenzise kusuka kule fomethi. Ngoba ama-akhawunti ngamunye ahlukile ngoba kuhlale kunomehluko omncane owehlukanisa nomncintiswano. Akumangalisi ukuthi kungumkhiqizo wobuningi kakhulu onemithombo eminingi ukuze ukwazi ukukunaka ngesikhathi esithile. Ngaphandle kwezinsizakalo ezikunikeza zona.
Ama-akhawunti akhokha kakhulu
Lesi sigaba sama-akhawunti senzelwe futhi ukukhululwa kumakhomishini. Kepha ngenzuzo eyengeziwe yokuthi ine- iholo eliphakeme kakhulu ukwedlula konke okunye. Ngoba bakunikeza i- inzalo yonyaka nesilinganiso esingaphezu kuka-1%. Yize bengakuphoqelela ezinye izidingo, njengokugcina ibhalansi ebiza kakhulu i-akhawunti noma ukubhalisela eminye imikhiqizo yasebhange (izinhlelo zempesheni, izimali zokutshala imali noma izinhlelo zokonga). Kunoma ikuphi, kungenye yezindlela ezilula onazo okwamanje ukuze i-akhawunti yakho ingakubizi i-euro eyodwa kusukela manje kuqhubeke.
Njengoba ubonile, ukuqedwa kwamakhomishini ku-akhawunti yakho yokuhlola akuwona umsebenzi onzima ngokweqile ukwenza ngokusemthethweni. Kepha ngokuphambene unezindlela ezahlukahlukene zokufinyelela le nhloso, ukuqala kusuka izindlela ezehlukene zebhizinisi. Kumele ukhethe eyodwa oyithandayo kakhulu futhi kusuka kulowo mzuzu ugcine ama-euro ambalwa ezindlekweni zokuphatha. Futhi okubaluleke kakhulu, ngaphandle kokudela noma iyiphi insizakalo noma ukuhlinzekwa ojwayele ukukusebenza.
Awukwazi ukukhohlwa ukuthi leli isu elalisetshenziswa ngamabhange njengefomula yokuheha noma yokugcina amakhasimende. Lapho ozuza kakhulu kuqala kusukela ekupheleni konyaka ngamunye uzoba nemali eningi kwi-akhawunti yakho yokonga. Noma ngabe imodeli ye-akhawunti oyiqashile noma ifomethi yayo. Akumangalisi ukuthi kuyimodeli ebhekiswe kuzo zonke izingxenye zomphakathi, kusukela kwabancane kuya kwabadala. Ngaphandle kokukhishwa kwanoma yiluphi uhlobo ukuze ukwazi ukwenza yonke imisebenzi kusuka kuleli thuluzi lasebhange.