Kunama-akhawunti amaningi amanje athengiswa ngamabhange, kepha phakathi kwawo enye yezinto ezintsha kakhulu yilezo ezibuyisa ingxenye yezikweletu zasekhaya ezixhunyiwe. Phakathi kwabo labo igesi, ukukhanya, amanzi noma ezinye izinsizakalo zasekhaya. Kuze kube seqophelweni lokufaka kufinyelela ku-5% wezindleko zalezi zinzuzo. Lesi yisigaba sama-akhawunti asebenze iminyaka embalwa kuphela, kepha ngesinye sezentuthuko ezinamandla kakhulu ngohlelo lwebhange laseSpain. Manje inyuse ukunikezwa kwayo kakhulu ukuze ukwazi ukukhetha phakathi kwamafomethi amaningi alo mkhiqizo okhulayo webhange.
Ama-akhawunti asebhange ane-debit eqondile yezikweletu zasekhaya adinga ukuxhumeka kuphela. Akukho okunye, ukuze kusukela kulowo mzuzu kuqhubeke, abasebenzisi baqale ukujabulela zonke izici zayo kusukela kumzuzu wokuqala. Kodwa-ke, ukusebenza kwebhange lakho akuhluka kakhulu kuma-akhawunti wendabuko. Okusho ukuthi, bangaphansi kwamamaki amancane lokho kuyaqabukela kweqe amazinga angaphezu kuka-0,50%. Ngaphandle kwalokhu ukuba sesimweni sokwakha isikhwama sokonga esinamandla ngokuya ngomholo wabo.
Lesi sigaba semikhiqizo ehloselwe ukonga sikhonjwe ngokuyisisekelo yiqiniso lokuthi sibhekiswe kuwo wonke amaphrofayili womsebenzisi. Ngaphandle kokukhishwa kwanoma yiluphi uhlobo. Ukuze ngale ndlela, njalo ngenyanga ungonga imali kumashaji asekhaya. Uma ubuningi babo bungabi buningi, okungenani bazokusiza aqukethe okulayishiwe ukuthi bathola unyaka nonyaka. Ikakhulu maqondana nomthethosivivinywa kagesi, ngokwenyuka okungasondela nakumazinga we-10%. Ibhaliswa kanjena le akhawunti ekhethekile yokonga. Kepha kufanele wazi okuningi ngabo kusuka manje.
Ukubuyiselwa okungafika kokungu-5%
Okokuqala, kufanele wazi ukuthi iyini ithuluzi lasebhange ukuze ube nemali ethe xaxa ku-akhawunti yokuhlola. Njengokunikezwa ozokwenza isivumelwano ngale mikhiqizo. Ngalesi sikhathi bakunikeza ukubuya okuhamba ngaphansi kwemida emincane kakhulu ehambayo phakathi kuka-1% no-5%. Kulesi simo esivamile, bacabanga ngezinsizakalo nezinzuzo ezifanayo nakwezinye izinhlobo zama-akhawunti athathwa njengokwesiko. Lokho wukuthi, ungasebenza ngebhange lakho elijwayelekile nangezinsizakalo zebhange obuziphethe kuze kube manje.
Imishini yaleli qhinga lokuhweba elenzelwe amabhange ilula kakhulu. Bakunikeza isaphulelo ngqo kunani eliphelele lezikweletu zakho zikagesi, amanzi noma igesi. Ngale ndlela, umphumela omkhulu ngukuthi kuzodingeka ukhokhe imali encane ngalezi zindleko zebhange. Ukuze i isikweletu ku-akhawunti yakho yokonga ube mdala njalo ngenyanga. Njengomphumela walesi senzo, ungonga phakathi kwama-euro angama-50 no-150 minyaka yonke ngokusebenzisa lolu hlelo lokuthembeka. Kuya ngokusetshenziswa osukuthuthukisile esikhathini ngasinye.
Isidingo sokufinyelela lawa ma-akhawunti
Vele, kulula kakhulu ukwenza isivumelwano ngoba zizodinga wena kuphela ukuthi uqondise imali kumarisidi ofuna ukuwaxhumanisa ne-akhawunti yokuhlola. Akudingeki ukuthi babe yibo bonke, kodwa lokho wena ocabanga ukuthi kufanelekile. Ngakolunye uhlangothi, lo mkhiqizo wasebhange awudingi ezinye izixhumanisi, ezinjengokudonswa kwemali ngqo kweholo noma impesheni. Futhi ngeke bafune ukuthi ugcine i Ibhalansi encane kwi-akhawunti minyaka yonke. Konke kulula kakhulu kuzintshisekelo zakho ngoba kuzodingeka kuphela ukuvula i-akhawunti ekhethiwe ukwenza leli su elikhethekile lokuhweba.
Ngokuvamile kungumkhiqizo wasebhange ongafaki noma yikuphi isikhathi sokuhlala. Ngamanye amagama, uzoba nenkululeko ephelele yokunquma ukuthi uzoyikhansela nini i-akhawunti yokonga. Ngokungafani namanye amamodeli lapho adinga khona isikhathi saphakade esingahlala kuze kufike ezinyangeni eziyi-12 futhi enziwa ngezijeziso ezinzima kakhulu. Kulokhu, kuleli cala, akufanele uzesabe lezi amakhomishana ngoba ngeke kuveze lezi zimo ezithile. Akumangalisi ukuthi ziwuhlobo lwe-akhawunti oludayiswa ngokuguquguquka okukhulu yizikhungo zezezimali.
Akukho ukunyuka kwenzalo
Uma okufunayo kungukuthuthukisa isitatimende sakho semali engenayo, akuyona imodeli enhle yokuyiqasha. Ngoba empeleni, lolu hlobo lwe-akhawunti yokonga alunyusi inzalo nganoma yiliphi iphesenti. Kucishe kufane nakuma-akhawunti asele wokunikezwa kwebhange kwamanje. Lokhu kusho ukuthi ngokwenza ukuthi kuzosho inzuzo ezoba ubuncane. Ngohlobo lwe inzalo engaguquki nonyaka efinyelela ku-0,2% esimweni esihle kakhulu. Ngoba ungakhohlwa ukuthi lokhu esikhuluma ngakho akuhleliwe ngaphakathi kwenzuzo enkulu. Bangamamodeli ahluke ngokuphelele, kokubili embonweni wabo nakuzimishini ababuswa ngazo okwamanje.
Esinye isici salezi zinhlobo zokonga ukuthi zikhona akhululiwe kumakhomishini nezinye izindleko ekuphathweni noma ekugcinweni kwayo. Ngeke kudingeke ukhokhe i-euro eyodwa ngokusetshenziswa kwayo futhi umehluko obaluleke kakhulu maqondana namanye amafomethi atholakala ekunikezelweni kwamabhange njengamanje. Lokho wukuthi, ngeke kubandakanye noma yimiphi imizamo yezezimali ekugcineni kwayo. Ukusuka kuleli phuzu kungumkhiqizo webhange onenzuzo kakhulu wezintshisakalo zabasebenzisi. Ngaphezu kwalokho, ngenzuzo eyengeziwe yokuthi ungaqondisa amarisidi owafunayo nganoma yisiphi isikhathi futhi cishe ngokungenamkhawulo. Ngaphandle kwalokhu kuhamba okubandakanya ukukhishwa kwemali.
Ngamakhadi mahhala
Uma kukhona okunye okukhethekile okuchaza lawa ma-akhawunti, kungukuthi ngawo ungathola amakhadi wamahhala. Ngokuvamile zisetshenziselwa ukudonswa kwepulasitiki nakwezinye izikhathi ezingavamile kuma-plastiki wesikweletu. Ukuze ngale ndlela, akudingeki ukuthi bakhokhe amakhomishini okukhipha nokulungisa okubandakanya lolu hlobo lwemikhiqizo yezezimali. Lesi sici sizokuvumela yonga ngaphezu kwama-euro ayishumi minyaka yonke. Vele, akuyona imali ekhangayo ngempela, kepha okungenani izokuvumela ukuthi unyuse isikhwama sakho sokonga kancane.
Ngakolunye uhlangothi, akukwazi ukukhohlwa ukuthi ama-akhawunti anemali etholwa ngqo yamarisidi asekhaya afaka phakathi uchungechunge lwezinsizakalo noma izinzuzo nazo ezimahhala. Isibonelo, yenza Ukudluliswa okungenamkhawulo kwasekhaya, ukukhishwa kwamasheke asebhange noma ngisho nokufinyelela ukuthi ungathola esinye isigaba semikhiqizo yezezimali ezimweni ezingcono zokuthola izinkontileka. Ngokwalo mbono, kungumkhiqizo ongasiza kakhulu ukuvikela izintshisekelo zomndeni wakho ngoba uzokhokha nemali encane yezikweletu zasekhaya.
Banikela ngamarisidi aphakathi kuka-1% no-5%
Ukunikezwa okunikezwa ngamabhange okwamanje kusebenza ngaphansi kwale mikhawulo. Kepha kufanele ucacise isici esibaluleke kakhulu kubasebenzisi. Akukho okunye ngaphandle kokuthi lezi ziphulelo azinamkhawulo ngoba zisebenza kuphela ezingeni eliphezulu. Ungalokothi kulo lonke inani lokusetshenziswa, njengoba kungakholelwa kusukela ekuqaleni. Ifinyelela kuphela kuze kufike kumkhawulo ongafika kuma-euro angama-20 noma angama-40, ngokuya ngokunikezwa kwebhizinisi ngalinye. IBanco Santander futhi ngokujwayelekile wonke amabhange akwi-inthanethi aphethe ukwethula lolu hlobo lokunikezwa emphakathini.
Kwesinye isici, kufanele kushiwo ukuthi esinye seziphakamiso ezinolaka kakhulu yilokho iBanco Santander eyenze nge-Akhawunti yayo 1, 2, 3. Ngalo mkhiqizo webhange, ungajabulela kuze kufike ku-3% wenzalo yonyaka (APR 1.81 %) webhalansi yansuku zonke, kuze kufike ku-3% ibhonasi wamarisidi ajwayelekile futhi, uzoba ngumnikazi wamasheya weSantander, ngoba uthola isabelo esingu-1 sokwamukela iSantander, ngenxa yohlelo lokwethembeka lalo mkhiqizo wezezimali.
Imibandela esivumelwaneni
Akuthinti kuphela amarisidi asekhaya alawa esiwabalule ngenhla. Uma kungenjalo lokho kuyasebenza naku- izintela zendawo nokuphepha komphakathi: IBI, amazibuko, intela yomgwaqo, i-REA, i-RETA. Ngokuphambene nalokho, ayijwayele ukufaka i-VAT, intela yomuntu siqu engenayo, intela yenhlangano, ifa, njll. Kwesinye isici, kufanele kugcizelelwe ukuthi ungaba ngumnikazi wama-akhawunti amaningi uma nje ungeyena umnikazi wedwa kulokho okubili, okungukuthi, ungaba ne-akhawunti njengomnikazi oyedwa nobunye ubunikazi obuhlanganyelwe, noma ube ngumnikazi wama-akhawunti amabili ngokuhlanganyela kobunikazi.
Ekugcineni, khumbula ukuthi ukusebenza kwe-akhawunti kulula kakhulu: uma uhlangabezana nemibandela, sizokukhokhela izinzuzo. Uma ungathobeli, awukutholi. Ikhomishini yesondlo nyangazonke izoba ngama-euro ayisi-8 uma ungahlangabezani nemibandela yezindawo zokuhlala ezintathu ezilandelanayo, uma isikhathi sokuqala somusa sesiphelile noma uma usuvele uhlangabezane nemibandela ngesikhathi esithile. Uma uhlangana nemibandela futhi, uzokhokha ngokushesha ama-euro ama-3 futhi.
Noma imuphi umuntu ohlala noma angahlali eSpain oneminyaka engaphezu kwengu-18 ubudala angathola lolu hlobo lwe-akhawunti ekhethekile, noma ngabe eyiklayenti elisha noma esevele eyiklayenti lebhizinisi elinikezayo. Njengomphumela wohlelo lokwethembeka kulo mkhiqizo wezezimali.