Ukuthola ibhange namuhla elingakhokhisi imali kuwumsebenzi onzima. Kunezici ezimbalwa nezimbalwa futhi eziningi ezisebenzayo, njengohlobo lomkhiqizo wezezimali, ubudlelwano nebhizinisi noma idethi yokukhokha. Yiziphi izimali amabhange azikhokhisayo?
Kusukela ekuqaleni, i amakhomishini avamile abavame ukusikhokhisa ngakho isondlo noma i-overdraft ku-akhawunti yasebhange; ukukhishwa nokugcinwa kwamakhadi, futhi nalapho wenza ukudluliselwa. Ngokumelene nalokhu kwakamuva, singalwa ngokukhipha imali futhi sizifake thina ngqo ku-akhawunti ebesifuna ukuyidlulisela kuyo. Yebo, kwaze kwaba yilapho abakwaBizum befika futhi basindisa ukuphila kwethu. Kusukela lapho, ukudluliswa kwemali sekukhohliwe.
Kodwa kuyiqiniso ukuthi ukushintshwa kwe-Bizum ngokudluliswa kusisindise ngezinga elithile, njengoba kunomkhawulo wanyanga zonke ongeke weqiwe. Ngama-akhawunti asebhange, kungenye indaba. Eqinisweni, kunezikhathi ezithile zonyaka ezaziwa kakhulu ngokubuyekezwa kwamakhomishini okugcinwa kwe-akhawunti yokuhlola. Elokugcina kwaba ngoJuni futhi manje ngoSeptember isibalo siyaziphinda, ikakhulukazi kulawo maklayenti anobudlelwane obuncane nesikhungo sezezimali.
Ngokuvamile, amabhange amaningi ayevame ukudinga njalo ukuthi i-payroll igcinwe ukuze angakhokhisi amakhomishini kumakhasimende. Nokho, lezi zinyathelo ziye zaqiniswa kwezinye zazo. Kangangoba manje iyadingeka abe nokuxhumana okukhulu kwamanye amabhange ngezenzo ezifana nalezi:
- Inkontileka neminye imikhiqizo njengezindlu ezibolekiwe, imalimboleko, izikhwama zokutshalwa kwezimali, izinhlelo zempesheni noma umshwalense, phakathi kokunye
- Iba ne inani elincane lebhalansi ku-akhawunti
- hacer ukuthenga ngekhadi lesikweletu ngenani elithile noma wenze a ubuncane bokunyakaza ngaphakathi kwesikhathi esibekwe yibhizinisi
Ngakho manje kukhona amadigri amathathu obudlelwano nebhizinisi:
- Ukuhlanganiswa okuphelele: amabhange awakhokhisi noma iyiphi ikhomishini
- Isibopho esimaphakathi: akuwona wonke amabhange analolu hlobo lwesixhumanisi, kodwa lawo enzayo, akhokhisa amakhomishini aphakathi kuka-60 no-120 euros ngonyaka.
- Akukho ukubopha: amabhange akhokhisa amakhomishini asukela ku-45 kuya ku-240 euros ngonyaka
Umthombo: ulungiselelwe abakwa-Roams abavela ezinhlakeni ezahlukene.
Ungathola eminye imininingwane lapha uma ufuna ukwazi ukuthi amanye amabhange akukhokhisa kanjani amakhomishini.
Ngokusho kwe-Association of Financial Users (Asufin), izinhlangano zezezimali ezikhulise amakhomishini azo kakhulu yi-Banco Santander, Ibercaja kanye ne-Kutxabank, eziqale ukukhokhisa u-€ 96, € 48 kanye no-€ 40 ngaphezulu ngokulandelana kwawo uma kuqhathaniswa nonyaka odlule.
Kunjalo, usengathola amabhange ngaphandle kwemali yesondlo. Imvamisa, iningi lazo yilezo ezisebenza ku-inthanethi, phakathi kwazo okukhona i-Imagin, Openbank, Selfbank, Wizink, EVO Banco noma i-neobanks Bnext ne-N26.