Ama-akhawunti wokukhiqiza okuphezulu, ungawathola kanjani?

Ezinye izindlela zamabhange zokwenza ngcono izimo ze-akhawunti yakhoKuleli qophelo lempilo akuyona imfihlo leyo I-akhawunti ngeke ikwenze isicebi, noma okungenani ithole imbuyiselo engaphezu kokuthokozisayo ekulondolozeni kwakho impilo. Akumangalisi ukuthi banikela ngenzalo ebuncane ngenxa yesinqumo se-European Central Bank (ECB) yokwehlisa intengo yemali. Njengoba ubhekene nalesi simo semali, ungalindeli ukunikezwa okuhle, noma amamodeli wokonga ahlukile.

Uma ubhalise i-akhawunti yamanje noma yokonga okwamanje, ngeke ikhiqize inzuzo enkulu. Bahamba ngaphansi kwamamaki aphansi kakhulu, futhi lokho kuzokudumaza impela: kungabi ngaphezu kuka-0,30% ngonyaka. Zizokusiza ukuthi uhambise imisebenzi emikhulu yasebhange: ukudluliselwa, ukukhokhela ngqo izikweletu zakho zasekhaya (amanzi, ugesi, igesi, umshuwalense ...), ngisho nokukunikeza ikhadi lesikweletu noma lasebhange. Kepha akukaze kusethwe uhlelo olunamandla lokonga eminyakeni embalwa ezayo. 

Yini okufanele uyenze kulesi simo esingathandeki kangako ngezintshisekelo zabasindisi baseSpain? Zimbalwa izindlela ozijabulelayo okwamanje, kepha ezinye zingatholakala ekunikezelweni kwamabhange njengamanje. Ngama-akhawunti akhokha kakhulu, futhi ngaphandle kwegama lawo, awafinyeleli emaphethelweni wesivuno sangaphambilini, lapho afike anikela khona afinyelela ku-6%. Manje, okuningi abangakunika amakhasimende abo ukubuyiselwa okungu-2%., kanye nokunye okwengeziwe kuziphakamiso ezinolaka nangaphansi kwezimo ezithile ekwenzeni kwabo ngokusemthethweni.

Kodwa-ke, ukuthola lezi zimaki zokusebenza kuzofanele uhlangane nezidingo ezilandelanayo, okungeke kube lula ukuthi uhlangabezane nazo kuzo zonke izimo. Kunoma ikuphi, kungenye indlela onayo njengamanje, uma ungeneme nge-akhawunti oyibhalise iminyaka embalwa. Naphezu kwakho konke, uma lokho ofuna ukukhiqiza minyaka yonke isikhwama sokonga esinenzalo yokuncintisana, kuzoba ngcono ukubheka kweminye imikhiqizo yasebhange encintisana kakhulu ukufeza izinhloso zakho.

Futhi uma, naphezu kwakho konke, intshisekelo yakho igxile ekwenziweni ngokusemthethweni kwe-akhawunti esebenza kahle, sizokusiza ukufeza lesi sifiso osifunayo, noma okungenani, sikubonise ukuthi yimaphi amathuluzi okufanele uwasebenzise ukuze ube nentshisekelo kule mikhiqizo. Ngisho nangeseluleko sangempela sangempela esingakhulisa isikhundla sakho njengesilondolozi esincane. Noma kunjalo, unqande ukubuyiselwa okuhlukile, ngoba alikho ibhange elizokunika lona ngaphansi kwanoma yiliphi isu lokuhweba.

Kusukela manje kuqhubeke, uzoba nethuba lokwazi zonke izinhlobo zama-akhawunti ahambisana nalesi sici. Kwezinye izimo kuzodingeka uqondise umholo wakho, kokunye mhlawumbe ushintshe nebhange lakho, kuzo zonke ziguqula izindlela zakho zamanje zokwenza inkontileka ye-akhawunti yokuhlola ibe semthethweni. Kungaba yisixazululo esichazayo ukuze lo mkhiqizo webhange uyeke ukungabi nenzuzo ngezifiso zakho njengomsebenzisi.

Ama-akhawunti amaningi anenzuzo

Amasu wokuthuthukisa intshisekelo yama-akhawunti akho Amasu asetshenziswa amabhange ukwenza ngcono inzuzo yama-akhawunti awo anciphile kakhulu, kepha noma kunjalo kunikwe amandla ngaphansi kokunikezwa okuyingqayizivele abanikeza amakhasimende abo. Aklanywe ngaphansi kwamafomethi ahlukene, ahlose ukuhlangabezana nokulindelwe kwamakhasimende, nokuthi abaqondisi iminikelo yabo kwamanye amabhizinisi. Imvamisa ngaphansi kweziphakamiso ezijwayelekile, kepha ezinye zazo zingakumangaza ngokuqamba kwazo.

Njengomphumela walezi zindlela zebhizinisi, baphakamisa - yize kungenjalo ngokweqile - inzalo kuma-akhawunti akho. Kusuka ku-0,50%, kuze kufike ezingeni eliphezulu lokuzungeza u-2%. Inzuzo edlula leyo enikezwa yimadiphozithi yethemu, okwamanje ebangeni lobubanzi obusukela ku-0,25% kuye ku-0,80% cishe. Futhi konke ngokutholakala okugcwele nokusheshayo kubhalansi ye-akhawunti.

I-akhawunti enenzuzo kakhulu engabhaliswa kusukela manje yilelo i-Bankinter ebilokhu liyakha nge-Akhawunti ye-Payroll, ngesivuno esingu-5%, futhi zisuka nje. Yize ikhokha kuphela ama-euro angama-5.000 okuqala, futhi ihloselwe kuphela amakhasimende amasha anikela ngokukhokha noma imali ejwayelekile evela kuma-euro ayi-1.000 XNUMX.

IDirect Office ikhetha ukukunikeza i-Akhawunti Yesibambiso, eyi kuhlotshaniswa nentela yethemu, lapho inani lenzalo ka-1,50% lingenziwa, yize kungokwesikhathi seminyaka emine kuphela, nangokukhokha inzalo njalo ngenyanga. Ngakolunye uhlangothi, u-Evo Banco, umaketha enye imodeli efakwe ku-Smart Account, nalapho kucatshangelwa isivuno sonyaka sokonga u-1,10%, futhi nangezimali ezikhokhwa njalo ngenyanga.

Yenzelwe amakhasimende amasha

Yindlela yokupheka ejwayelekile yokuthuthukisa ukusebenza kwalawa ma-akhawunti, futhi ngokuvamile akhiqizwa ngaphansi kwamaphromoshini okwamukelwa amabhange athuthuka njalo. Inhloso yabo isobala, bazama ukuheha amakhasimende avela kwamanye amabhange.

Ngalokhu, banikela ngemibandela yenkontileka ethe xaxa, noma ngabe kunezinzuzo eziphakeme nokwanda kwezinsizakalo. Ngokuphathelene namanani abo wenzalo, angakhuphuka afike ku-1%, aze awedlule kumaphromoshini athile athuthukisa amafomethi anolaka kakhulu. Zilusizo kuzintshisekelo zakho ngoba azidingi noma iyiphi imfuneko, kuphela ukuthi ushintshe ibhange.

Kodwa-ke, bakhombisa ezinye izingqinamba okufanele uzicabangele ngaphambi kokuthi ekugcineni usayine inkontileka nebhange. Phakathi kwabo, lokho ithuthukiswa ngaphansi kwezikhathi ezilinganiselwe kakhulu, kubo ukubuyela ezimeni ezijwayelekile kuleli banga lemikhiqizo yasebhange, kunalokho kuyindlala. Bangadinga futhi ukuthi ugcine ibhalansi ethile ukuze ufanelekele izinzuzo zabo.

Ngamaholo phambili

Kuyisu elinamandla kakhulu abakunikeza lona lokuthuthukisa izimo zakho. Kuzofanele unikele ngemali yakho ekhokhelwayo (impesheni noma imali engenayo ejwayelekile) uma uzimisele ukubhalisa noma iyiphi yazo. Noma, futhi njengengxenye yenoveli, bavulelekile emholweni otholwa ngamakhasimende angasebenzi.. Uma ukulesinye salezi zimo, siyakuhalalisela, ngoba inzalo oyothola minyaka yonke izophana ngokwengeziwe, yize ingenabalandeli.

Kwezinye izimo, kungahle kunganele ukuhambisana nale mfuneko, futhi kuzodingeka nokuthi ukhokhe izikweletu ezinkulu zasekhaya (amanzi, ugesi, igesi, iselula, njll.) Ukuze lokhu kuthuthukiswa ezimweni zenkontileka kusebenze. Ngokubuyisela, amanye ama-akhawunti abuyisa ingxenye encane yala ma-invoyisi. Phakathi kuka-1% no-3% cishe, kepha kunomkhawulo omkhulu ongeke weqiwa kunoma yikuphi. Bangakusiza ukuthi ugcine ukwedlula imali kulezi zinsimbi zokonga.

Ubudlelwano obukhulu nebhizinisi

Amaklayenti, njengecala lakho elithile, anenkontileka yeminye imikhiqizo (amapulani wempesheni, izimali, amakhadi esikweletu noma umshwalense) kuzokwazi ukwamukela ukwenza ama-akhawunti abo ngokusemthethweni ngenzalo engcono kakhulu enikezwa uhlelo lwebhange. Kuzoba ngumklomelo ohlongozwa yizikhungo zezezimali ukukugcina njengekhasimende. Kungumkhuba owenzeka kancane kancane emkhakheni wamabhange ukuzama ukuthengisa imikhiqizo eminingi, futhi uma kungenzeka phakathi kwamakhasimende ayo amanje.

Imvamisa lolu hlobo lwama-akhawunti axhunyiwe lunikeza cishe i-1%, futhi njalo kutholakala ngokuphelele kulondolozo lwakho. Futhi izici zawo eziyinhloko ezifana kakhulu nezakhiwo zendabuko, ngokungafani nhlobo umahluko kuzici noma kumasevisi wazo. Futhi-ke, kukhululiwe kumakhomishini nakwezinye izindleko zokuphatha.

Kuhloselwe amakhasimende owathandayo

ungafinyelela esivumelwaneni nebhange ukukhulisa inzalo yakho Uma uyikhasimende elihle, uzohlala unendawo yokugcina ongayisebenzisa ukwenza ngcono amamephu enzuzo e-akhawunti yakho, i- ukuxoxisana ngayo nebhange lakho. Kuzoba yindaba yokuzibeka wena etafuleni bese ubheka ukuthi yikuphi ukusebenza abangakunika kona okwamanje. Kufanele ugqamise izinzuzo zomlando wakho wokubhanga, kanye neminyaka eminingi oyiklayenti. Kuzoba yisiqinisekiso sokufeza izinhloso.

Lelisu, elivame kakhulu kumakhasimende amadala, likhuphula amazinga enzuzo amabhange angawafinyelela ngamaphesenti amancane. Ungayinyusa ngezingxenye ezimbalwa zokweshumi, kepha okuthe xaxa. Uma ungahlangabezani nezici zokwenza isicelo sibe sesikweni, kungcono uyeke ukuzama, ngoba nakanjani ngeke uthole lutho. Njengoba besusa amakhomishini ngaphansi kwendlela entsha ku-akhawunti.

Awekho amakhomishini noma izindleko

amabhange anikela ngama-akhawunti amaningi ngaphandle kwemali noma izindleko Ezimweni eziningi, ukonga ekwenzeni inkontileka lo mkhiqizo wasebhange ngeke kuvele kumazinga enzalo aphezulu awanikezayo, kodwa kuzindleko ongazonga ekugcinweni kwawo. Futhi ngalo mqondo, okusatshalaliswa kakhulu kungukukhululwa kwanoma yiluphi uhlobo lwamakhomishini nezinye izindleko ekuphathweni kwawo. Hhayi ngeze, kuzosho ukonga minyaka yonke phakathi kwama-euro angama-30 kuya kwayi-100, kuya ngokusetshenziswa kwe-akhawunti.

Njengamanje, ingxenye enhle yamabhange ithengisa lelisu lezentengiso ngokuqiniseka okuthile, futhi njengefomula yokuhlala kumakhasimende, futhi ungayi kwelinye ibhizinisi. Izinhlangano ezingaphezulu ziyavela (Bankia, BBVA, Santander, Bankinter, ING Direct, njll.) Ezethula izinhlelo ngaphansi kwegama lama-zero commissions noma ama-akhawunti ngaphandle. Okwenza ukuthi ungavunyelwa ukuthola enye yama-akhawunti abo ngaphandle kwanoma yiluphi uhlobo lwezindleko.

Ukwamukela noma yisiphi salezi ziphakamiso, kuyiqiniso ukuthi kuzodingeka uxhumanise nakakhulu nesikhungo sezezimali, noma uqasha eminye imikhiqizo, yezinhlobo ezahlukahlukene. Kepha inhloso ozoyifeza izoklomelisa umzamo wakho. Futhi mhlawumbe, ngokulondolozwa kwalezi zindleko, uzothola imali eningi kunenzuzo etholwa yinoma yimaphi ama-akhawunti akhona manje kumbhange wamanje.


Okuqukethwe yi-athikili kunamathela ezimisweni zethu ze izimiso zokuhlelela. Ukubika iphutha chofoza lapha.

Amazwana, shiya okwakho

Shiya umbono wakho

Ikheli lakho le ngeke ishicilelwe. Ezidingekayo ibhalwe nge *

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  1. Ubhekele imininingwane: Miguel Ángel Gatón
  2. Inhloso yedatha: Lawula Ugaxekile, ukuphathwa kwamazwana.
  3. Ukusemthethweni: Imvume yakho
  4. Ukuxhumana kwemininingwane: Imininingwane ngeke idluliselwe kubantu besithathu ngaphandle kwesibopho esisemthethweni.
  5. Isitoreji sedatha: Idatabase ebanjwe yi-Occentus Networks (EU)
  6. Amalungelo: Nganoma yisiphi isikhathi ungakhawulela, uthole futhi ususe imininingwane yakho.

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