Idiphozi ye-Facto
Lolu hlobo lwediphozi lungenye ye- imali ekhanga kakhulu emakethe nokuthi ungajabulela nesikhathi esimisiwe. Eqinisweni, ungakujabulela ukubuya okufika ku- 1,25 APR, okungaphezulu kwesilinganiso uma kukhulunywa nge- inzalo engcono Banikela ngamadiphozithi afana nalokhu.
Phakathi kwezinzuzo ezinikezayo, kukhona nethuba lokuthi amaklayenti alo akhethe nge- isikhathi esiphakathi kweminyaka emi-3 nengu-5. Lokhu kuvumela amathuba amaklayenti ukufeza inzuzo ephezulu engafinyelela ku-1,50 APR
Idiphozi ye-Bfs
Este Isilinganiso sediphozi sezinyanga eziyi-12 Luhlobo lwediphozi yesikhathi esimisiwe olunikezwa abanikazi be-akhawunti ngokubuyiselwa kwe-1% APR. Uma kwenzeka ikhasimende elisha lifuna finyelela lolu hlobo lwediphoziKumele wenze utshalomali okungenani lwama-euro angama-50.000 ubuningi bama-euro ayi-500.000.
Phakathi kwezici eziyinhloko zalolu hlobo lwediphozi, umuntu angaba ne- kungenzeka ukuxazululwa njalo ngekota zonke izintshisekelo ezikhiqiziwe. Ngaphezu kwalokho, i-akhawunti ehambisana nayo ayizukukhokhiswa noma yiluphi uhlobo lwekhomishini futhi ngeke ivuselelwe ngokuzenzekelayo ukuze ukwazi ukulawula ngokuphelele okwenzayo.
Njengakho konke Amabhange aseSpain iBFS Kusesikhwameni sesiqinisekiso sediphozi saseSpain.
Idiphozi yezolimo yonyaka owodwa
Le diphozi yesikhathi esinqunyiwe imakethwa ngu Isikweletu Sezimali Zabathengi, enikeza wonke amaklayenti i-1% APR kungakapheli unyaka wabo bonke abantu abenza imali phakathi kwama-euro ayizi-5.000 500.000 kuya ku-12. Zonke izintshisekelo ezikhiqizwe kulezi zinyanga eziyi-XNUMX ezilandelayo, zizotholwa kwi-akhawunti ehlotshaniswa neyokuqala kuze kufike usuku lokuphelelwa isikhathi losuku lokuphelelwa yisikhathi.
Isikweletu Sezimali Zabathengi Ngenye yamabhange axhumene nezimali zesiqinisekiso sediphozithi yaseFrance. Lolu hlelo lwesikhwama lunesiqinisekiso sokunikeza ama-euro ayizigidi eziyizinkulungwane eziyikhulu ebhizinisini ngalinye nakumnikazi uma kwenzeka ibhizinisi liyeka ukuba nemali ekhokhwayo.
I-WiZink
I-Winzink ingenye ye- imali enenzuzo enkulu emakethe lapho amakhasimende anikezwa khona isilinganiso sokubuyiselwa kuka-0.90 APR futhi lokho kunezinzuzo ezimangazayo njengokukhokhwa kwenzalo ngesikhathi sokuvuthwa kanye nokuvuselelwa okwenzeka ngokuzenzakalela lapho isikhathi sesiphelile.
El Idiphozi yezinyanga eziyi-14 ye-WiZink inikeza ukubuyiselwa kwe-0,90% APR. Lesi sikhathi esinqunyiwe sibonakala ngokuba nokukhokhelwa kwezintshisekelo lapho sekuvuthiwe futhi ukuvuselelwa kwaso kwenzeka ngokuzenzakalela uma kuphela isikhathi saso, inzuzo yayo ezophinde isungulwe yibhange lesikhathi esifanayo. Ukufinyelela kulolu hlobo lwediphozi, kufanele ube nama-euro angama-12.00 afinyelela kuma-250.000 euros. Uma kwenzeka iklayenti elisha lifuna ukufinyelela kulolu hlobo lwediphozi, kufanele futhi livule i-akhawunti yokulondolozwa kwe-wizink.
Uma kwenzeka sifuna ukusebenzisa i- Idiphozi yezinyanga eziyi-14, Lo unomkhiqizo oxhunyiwe lapho ungajabulela khona inzuzo ye-0.75% APR. Le akhawunti ayikho mahhala kunoma yiluphi uhlobo lwekhomishini futhi ikunikeza nethuba lokuba nemali ngesikhathi oyidinga ngaso.
Ingenye yamadiphozithi azinzile kakhulu, ngoba uma kunanoma iluphi uhlobo lwenkinga, ibhizinisi lisekelwa yisikhwama sesiqinisekiso sediphozi saseSpain, okusho ukuthi uma ibhizinisi linenkinga yokuxazulula izinkinga, kuze kufike ku-100 bekungambozwa ama-euro ayizinkulungwane ngebhange futhi umnikazi.
Idiphozi yasebhange yonyaka owodwa
Este Uhlobo lwe-Bank Alior deposit Inenzuzo efinyelela ku- .90% futhi futhi idiphozi engenakho ukuvuselelwa okuzenzakalelayo. Ngaphezu kwalokho, lolu hlelo lunenzuzo ephezulu engatholwa ngokuba yikhasimende nje. Lolu hlelo lubuye lunikeze ibhonasi eyamukelekile engaba ngama-euro angama-25. Okufanele ukwenze ukuze uyithole ukuthi umthumelele i-imeyili ne-raisin futhi ezinsukwini eziyi-14 ezizayo imali izofakwa kwi-akhawunti yakho.
Ibhizinisi lisekelwa yi- Isikhwama sediphozi sasePoland lokho kufinyelela kuma-euro ayizi-100.000.
Idiphozi yonyaka ongu-1 i-J & T Banka (+25 €)
Le mali efinyelela ezinyangeni eziyi-12 zika I-Banka inohlelo lwesikhathi esinqunyiwe Ungathola ngayo ukubuyiselwa kwe-0.70% APR kubantu abatshala imali okungenani ama-euro ayi-10.000. Ngaphandle kwalokho, uma uyiklayenti elisha enkampanini, ungajabulela ibhonasi eyamukelekile ezoba ngama-euro angama-25. Le bhonasi inikezwa nguRaisin, ukuze ufeze lokhu, kuzofanele uthumele i-imeyili kubo futhi uma sebekuqinisekisile ukuthi yonke imibandela ifinyelelwe, uthola ibhonasi eyamukelekile ngemali eku-akhawunti yakho.
Le diphozithi ingezinyanga eziyi-12 ngotshalo-mali oluphephile olungu-100% njengoba ibhizinisi lisekelwa yi Isikhwama sesiqinisekiso saseCzech.
Ibhonasi idiphozi
Este uhlobo lwediphozi yebhonasi Inokufika ku-0,75%, kepha ukuze uyifinyelele, kufanele kuhlangatshezwane nezidingo ezimbili. Eyokuqala ngeyokukhokhelwa okungafika kuma-euro angama-600 noma ukuthola impesheni efinyelela kuma-300. Wonke amadebhithi aqondile kufanele agcinwe ebhizinisini okungenani izinyanga eziyi-13. Amarisidi avunyelwe igesi, amanzi, ugesi, ucingo noma i-intanethi.
Idiphozithi, evela ku-Self Bank
El idiphozi yakho Ungomunye wemikhiqizo yasebhange yokonga enenzuzo enkulu kubantu abafuna ukumaketha okuhle emakethe yezezimali.
Le diphozi iyakwazi ukunikela kuze kube 2% APR ezinyangeni ezi-3.
Idiphozi yeminyaka engu-2 evela ku-J & T Banka
El Idiphozi yeminyaka engu-2 evela ku-J & T Banka Yisikhathi esinqunyiwe esikhokha u-0,80% APR. Le diphozi ingafakwa kwinkontileka kusuka kuma-euro angama-10.000 kuze kufike kuma-euro angama-100.000, i-100% online. Ngaphezu kwalokho, le diphozithi ingalungiswa ngemigomo esukela ezinyangeni eziyi-9 kuye eminyakeni eyi-5, ikwazi ukuthola inzuzo ethe xaxa noma engaphansi ngokuya ngethemu ekhethiwe.
Enye yezinzuzo zalo mkhiqizo ukuthi abanakho ukuvuselelwa okuzenzakalelayo, ngakho-ke ngeke kudingeke sikhathazeke uma siphuthelwa usuku lokuphelelwa yisikhathi futhi asizange siyikhiphe imali. Le diphozi iphephe ngokuphelele, ngoba inakho ukumbozwa kweSikhwama Sokuqinisekiswa Kwediphozithi YaseCzech, ehlanganisa kufika ku-100.000 euro.
Vula idiphozi izinyanga eziyi-13
Este Isilinganiso sediphozi sezinyanga eziyi-13 Inenzuzo ephezulu efinyelela ku-0.40%, ngaphandle kokuthi ibhizinisi kufanele likhokhise noma yiluphi uhlobo lwekhomishini. Ngaphezu kwalokho, banamandla okukhipha imali abayitshale nganoma yisiphi isikhathi.
Uma kwenzeka umuntu ozothola idiphozi eyikhasimende elisha, angakhetha i- i-akhawunti yokwamukela i-openbank. Le akhawunti yokonga inikeza amakhasimende intshisekelo yokuphromotha efinyelela ku-1,75%.
Iminyaka engu-2 euram idiphozi
Este idiphozi inikeza ukubuya okuphezulu okufika cishe ku-1.05% Ngenzuzo enkulu yokukwazi ukujabulela ukukhanselwa kwangaphambi kwesikhathi futhi ukwazi ukufinyelela lolu hlobo lwediphozi ngokutshalwa kwemali okufika kuma-euro angama-5.000.
El Idiphozi ye-Euram Inesiqinisekiso esiphindwe kabili kuwo wonke amaklayenti, ngoba lolu hlobo lwediphozithi luxhaswa yisiqinisekiso sezimali ezivela e-Australia futhi, ngokuqina okukhulu ibhizinisi elinakho. Amakhasimende amasha afuna ukufinyelela kwidiphozi kufanele avule i-akhawunti ngomisiwe. Lokhu kuzobanikeza inzuzo yesibili lapho bezothola khona kuze kufike kuma-euro angama-25 ngokuba yikhasimende; Ukuze ukwazi ukujabulela le mali, kufanele uthumele i-imeyili kukomisiwe futhi uzokwazi ukujabulela imali eku-akhawunti yakho esikhathini esiyizinsuku eziyi-14.
Idiphozi ewolintshi izinyanga ezimbili
Le diphozithi ine- inzuzo ephezulu efinyelela ku-1.00% ezinyangeni ezimbili. Lokhu kuyinto efanele amakhasimende amasha kuphela futhi uma kuphela izinyanga ezimbili seziphelile imali izofakwa kwi-akhawunti yekhasimende ewolintshi, lapho izothokozelwa khona isikhathi esingenamkhawulo esingu-0.10.
Phakathi kwezinzuzo zale akhawunti ewolintshi ukuthi inani elincane alidingeki ukuze likwazi ukulijabulela futhi liphinde livumele ukwesulwa kusenesikhathi ngaphandle kokuthi ikhasimende likhokhe inhlawulo.
Wonke amaklayenti amasha aleli bhizinisi asekelwa yi Isikhwama sesiqinisekiso se-Holándes. Lokhu kuzokwenziwa kusebenze kusukela ngosuku lokuqala lapho ibhange linezinkinga zokuxazulula izinkinga, kuze kube yizigidi eziyizinkulungwane eziyi-100.000 zama-euro kumnikazi ngamunye nasebhange ngalinye.
Njengoba ukwazi ukubona, inani lediphozithi ongalithola emakethe ngenzuzo ephezulu lihlukahlukene kakhulu.