Amabhange ethula ezinye izinhlobo zama-akhawunti ezinikeza amaholo aphezulu kumakhasimende awo. Yize, ngenxa yokwehla kwamanani wenzalo, amacala lapho adlula khona Izinga lenzuzo elingu-2%. Lapho kunamasu amaningi wokuzimaketha nokuthi ezimweni eziningi kulele ekunikezeni inzuzo yabo ngokususelwa kumathrekhi. Lokho wukuthi, ngenhloso yokuvuza amanani amakhulu kakhulu afakwe ngale mikhiqizo yasebhange.
Kunoma yiziphi izimo, kufanele kuqashelwe ukuthi izimpawu zalolu hlobo lomkhiqizo zisuselwa ekutheni, ngokuvamile, azibandakanyi imali yesondlo neyokuphatha futhi baphatha ezinye izinsizakalo zamahhala zabanikazi bazo. Isibonelo, ukwenza imali ngqo (igesi, ugesi, amanzi, njll.), Ukuthola amakhadi esikweletu noma okukhokha ngokuphelele noma ukuthola eminye imikhiqizo yokonga ngaphansi kwezimo ezincanyelwayo. Ngaphezu kwalokho, ukuqedwa kwezindleko zakho nokuthi ungakwazi ukukhiqiza ukonga okukhulu minyaka yonke.
Kunoma ikuphi, futhi ngenxa yokwehla kwakamuva nokuqhubekayo kwamanani wenzalo, amabhizinisi amaningi akhethe lokho khohlwa ngamanani aphansi bese unikela ngalolu hlobo lwama-akhawunti abhekiswe ku-Euribor. Ngenkathi ngakolunye uhlangothi, zenziwa futhi ngaphansi kohlelo lokunikezwa nokukhushulwa ukuze zikwazi ukubhaliswa ngokunethezeka kakhulu ngabasebenzisi basebhange. Ekupheleni kosuku kumayelana nokuthi umholo ungaphezulu kunamazinga akhona manje angenelisi kakhulu amakhasimende.
Ama-akhawunti azuzisa ngokwengeziwe
Izidingo zokuthola lesi sigaba sama-akhawunti asebhange imvamisa zifunwa kakhulu kunakuqala. Ngalo mqondo, akumangazi ukuthi a ibhalansi ephezulu kakhulu ye-akhawunti futhi okungebona bonke abasebenzisi abangafinyelela kuyo. Uma kungenjalo, kunalokho, kuphela amaklayenti amahle kakhulu esikhungo sezezimali asesimweni sokusayina le nkontileka. Ngakolunye uhlangothi, bathambekele ekusebenziseni isu lokuhweba elifana nokudonswa kwemali ngqo kwabasebenzi noma imali engenayo ejwayelekile kubasebenzi abaziqashile noma abazisebenzayo njengoba baziwa ngempela. Ngaphandle kwalezi zimfuno akunakwenzeka ukuqasha ama-akhawunti akhethekile.
Esinye isici okufanele usinakekele kulo mkhiqizo wezezimali yiso esihlobene nesilinganiso esiphansi okufanele sigcinwe njalo ngenyanga. Ngalo mqondo, zingama-akhawunti we-elitist angatholakali kubo bonke abasebenzisi bamabhange. Ngoba nabo abanayo i- isikhathi sokuhlala ngoba inkontileka ingaqedwa nganoma yisiphi isikhathi futhi ngaphandle kwanoma yiluphi uhlobo lwamakhomishini noma izinhlawulo. Lokho wukuthi, kungukusebenza ongakwenza ngenkululeko ephelele nganoma yisiphi isikhathi noma isimo.
Iminikelo efanele kakhulu
Uma lo mkhiqizo wezezimali ubonakala ngokuthize, kungenxa yokuthi ukhululiwe kumakhomishini nakwezinye izindleko ekuphathweni noma ekugcineni kwawo. Lo mnikelo osebenzayo ukuvumela khuthaza ukonga zisuka njengoba isu layo lincike ekukhuthazeni ukonga ukuze ibhalansi ye-akhawunti yamanje ikhule ngokuqhubekayo, inyanga nenyanga. Ukufinyelela emazingeni amakhulu kakhulu angatholakali kweminye imikhiqizo yokonga enezici ezifanayo. Ngale ndlela, abaphathi babo nabo bazozuza kulesi simo ngoba inzuzo yabo izobe iphakeme impela ngoba isebenza kumanani emali aphezulu kunakuqala.
Ngenkathi ngakolunye uhlangothi, singekhohlwa ukuthi lolu hlobo lwe-akhawunti yokonga luphawuleka ngaphezu kwakho konke ngoba luvumela ukwenza isivumelwano neminye imikhiqizo yasebhange izimo ezingcono ekuqashweni kwakho. Ngalo mqondo, iqiniso lokuthi banikela ngezintshisekelo zokukhetha izinkontileka zebhange zesikhathi esinqunyiwe, izinhlelo zokonga noma amapulani futhi kwesinye isikhathi ngisho namanothi ezethembiso avela ebhange uqobo lapho ubhalise khona i-akhawunti yakho yokonga kubaluleke kakhulu. Lokho wukuthi, ukwenza ngcono isitatimende sakho semali engenayo sokuphela konyaka ngamunye ngesikhathi okufanele ubuke ngaso ama-akhawunti akho noma ezezimali zakho.
Amanye amamodeli we-akhawunti
Ukubhaliswa kwe-inthanethi kuyasebenza nakwezinye izinhlobo zama-akhawunti acacisiwe afana nalawo ezingane noma abantu abasha futhi, nakweminye imikhiqizo ehlukaniswe kakhulu enjenge-akhawunti yezindlu, yabasebenzisi abaya ku- qasha ikhaya ezinsukwini ezimbalwa ezilandelayo. Kuzona zozimbili lezi zimo, futhi ngenkathi kugcinwa ukufana okufanayo kokubhalisile, ama-akhawunti ahlukahlukene aku-inthanethi alungiselelwe angabhaliswa ngazo zombili izindlela ngabasebenzisi, inqobo nje uma izidingo ezibekiwe zebhizinisi ngalinye ziyahlangatshezwa.
Yize ingathuthukiswanga njenge ama-akhawunti aku-inthanethi Ngokomqondo wakudala wegama, ubunzima obuthile bungahle butholakale ekunikezelweni kwamanje kwebhange, lapho imikhiqizo enalezi zimpawu zobunikazi ivela ngezikhathi ezithile ngenhloso yamabhange kanye namabhange okonga ukumboza "ama-niches" amaningi ebhizinisi emakethe, ekugcineni ukuheha okuningi amakhasimende. Futhi kulezi zimo, ama-akhawunti abhekisiwe awavumeli ukukhokhelwa okuqondile kwamarisidi, amaholo okuhola noma impesheni futhi awanawo amakhadi ahambisanayo noma izincwadi zamasheke.
Ubuhle bokusetshenziswa kwabo buphinda buthathwe kusukela ekubhaliseni nasekuphatheni ngokusebenzisa ikhaya labo, ngisho naseyunivesithi, okubenza bafinyeleleke kalula ezingxenyeni zenhlalo ababhekiswe kuzo. Ngochungechunge lwezinzuzo ngokungangabazeki kufanele zithuthukise ukuma kwakho ebhange okukhulunywa ngalo. Ngaphandle kwemikhiqizo yezezimali oyitholile kuze kube yileso sikhathi. Ngoba ekugcineni kosuku ukuthi ibhalansi ye-akhawunti yakho yokonga inyuka unyaka nonyaka ukuqinisa isikhundla sakho ngaphakathi ebhange.
Ama-akhawunti axhunyiwe otshalomali
Lawa ama-akhawunti okuphepha kwezikweletu zikahulumeni angavulwa ukuthola izikweletu woMbuso kunoma yiliphi igatsha leBhange LaseSpain, noma, ngokudlulisela kuleli bhizinisi elikhiphayo izilinganiso zalo mkhiqizo ezibhaliswe ebhizinisini eliphetheyo, njengamabhange namabhange okonga. Kulokhu, kungumkhiqizo oxhunyaniswe kakhulu nokutshalwa kwemali kunokuphathwa kokonga kwamakhasimende uqobo. Vele kuneminikelo eminingi abangakunika yona ngalesi sikhathi. Ngabe ufuna ukwazi okunye okufanele kakhulu?
Okokuqala, ukwehliswa kwezindleko zotshalo-mali ozibhalisele ukwenza izimpahla zakho siqu noma zomndeni zizuze. Okulandelayo, ukukhululeka okungangabazeki kokudlulisa ukuphepha kusuka kule akhawunti ekhethekile kuye kwamanye amabhizinisi okuphatha noma okuphambene nalokho.
Ngaphandle kokukhohlwa nganoma yisiphi isikhathi ukuthi kuzoba ithuluzi elinethezekile ukwenza zonke izinhlobo zokutshala kabusha. Yize okunye kokutholwa kwaso kwasekuqaleni futhi okusha kuhlala kokuthi kwenza sikwazi ukudlulisa isikweletu esaziwayo, ngaphambi kokuvuthwa kwaso, siye kwelinye ibhizinisi elilawulayo noma uhlelo lokushintshaniswa kwamasheya luyathengiswa emakethe yesibili. Lesi isici esingasiza kakhulu ekusebenzeni kwakho ezimakethe zezimali. Futhi lokho abasebenzisi akuvamile basebenzise ukuzivikela ezimeni ezithile ezimakethe zezimali ngokwabo.
Kulokho okwenziwa njengenye yama-akhawunti amasha sha akhona ezimakethe zebhange futhi ukusetshenziswa kwawo okuxhumene ngokusobala nomkhakha wokutshala imali. Ngochungechunge lwezinzuzo ezihluke ngokusobala futhi lapho bonke abatshalizimali abangazuza khona, kokubili emalini engenayo engaguquki nemisebenzi eguquguqukayo yemali engenayo futhi lokho kungemuva kwayo yonke inhloso yayo.
Izintshisekelo ezingezinhle
Ukwehla kwamanani ezinyangeni ezisanda kwedlula kuphazamise ukukhanga lolu hlobo lomkhiqizo olungaba nakho, nokuthi kwezinye izikhathi beza ukuhlinzeka abanikazi bazo ibuyisa ngisho nangaphezulu kuka-5% kokunye ukukhushulwa abakwenzayo. Esimweni samanje lapho kungavamile kakhulu ukuthi lesi sigaba sama-akhawunti singabekela inselelo engaphezu kuka-0,20%. Ukugwema lezi zimo, izikhungo zezikweletu zimaketha lolu hlobo lwama-akhawunti akhethekile ngochungechunge lwezinsizakalo ezingasebenza njengesicelo senkontileka yazo. Isibonelo, ukuthola amakhadi wesikweletu noma wedebhithi wamahhala noma ukwenza izikweletu eziqondile kungezinye zalezi zimangalo.
Kunoma ikuphi, lawa ma-akhawunti anikela ngenzalo ephezulu kunangezindlela zokonga zendabuko, ezimweni ezinhle kakhulu ezingeqi ku-0,6%. Ukwehla kwamazinga wenzalo nakho kuthinta ukunikezwa kwale mikhiqizo. Ezinye izinhlangano ziyeke ngokuqondile ukuba nazo ekunikezelweni kwazo kwebhange, kanti ezinye zikhohlwa ngamanani amisiwe futhi zikhethe ukuwabhekisa ku-Euribor noma kwenye impahla yezezimali. Ngoba okumayelana nokuphela kosuku ukukholisa umsebenzisi ngokwakhe ukuthi angaba ithuluzi elinamandla ebudlelwaneni bakhe nezikhungo zezezimali. Yize okwamanje umnikelo ngokusobala unganele ezidingweni zamakhasimende asebhange.