Amakhomishini amasha nokuphatheka kuma-akhawunti asebhange

amakhomishana Kusukela emasontweni ambalwa edlule, abasebenzisi bebhange bangaba senhlanhleni ngenxa yemithetho emisha yasebhange evunyelwe yisikhulu saseSpain. Ngenhloso enkulu ye- ama-akhawunti asebhange abonwayo. Kusukela kumaphoyinti amabili wokubuka, ngakolunye uhlangothi, isuselwa kuzindleko zakho. Ngakolunye uhlangothi, ukukhululeka kokushintsha i-akhawunti yakho yokonga nganoma yisiphi isikhathi empilweni yakho. Ngokombono womabili, akukho kungabaza ukuthi uzozuza ekusetshenzisweni kwemithethonqubo emisha.

Esinye sezici zokuvunywa kwezinyathelo ezinjalo yi- homologate namazwe angomakhelwane. Futhi lapho, kuze kube manje, abasebenzisi baseSpain bebencishwe amathuba ngokusobala kwizintshisakalo zabo, njengoba uzobona kusukela manje kuqhubeke. Ngakolunye uhlangothi, uzoba nethuba lokuqoqa imininingwane engcono kakhulu ukuphuma ebudlelwaneni bakho nezikhungo zezikweletu kahle. Okuthile okuzokusiza ukuthuthukisa ibhalansi ye-akhawunti yakho yokuhlola ekupheleni konyaka.

Ngokwalo mbono ojwayelekile, into entsha yokuqala ezokuthinta maqondana ne- akhawunti yokulondoloza ukuthi kusuka emasontweni ambalwa kuzofanele ukhokhe amakhomishini amancane ngisho nazo zonke izindleko zokuphatha nokulungisa zalolu hlobo lwemikhiqizo yasebhange. Ukufika ezingeni lokuthi izothinta bonke abasebenzisi, ngemfuneko eyodwa yokuba yifayili ye- umnikazi we-akhawunti yalezi zici. Akumangalisi ukuthi konke okuzungeze lezi zindaba ezibalulekile kuhloselwe lo mkhiqizo wezezimali. Akumangalisi ukuthi yiyona eqashwe kakhulu nganoma iyiphi iphrofayili yekhasimende. Ngaphezu kwabanye ngokuqinisekile kuthandwa okufanayo.

Amakhomishini: kufika kuma-euro ama-3

izindleko Manje yisikhathi sokuthi wazi ukuthi yimaphi amakhomishini ozoba nawo kusukela manje kuya phambili ngokuqasha ama-akhawunti ayisisekelo asebhange. Umthethonqubo omusha udinga ukuthi izikhungo zezezimali ngeke bakwazi ukukukhokhisa ngaphezu kwama-euro ama-3 ngenyanga. Noma yini efanayo, ikepisi lonyaka lama-euro angama-36. Yize kungesona isibalo esidinga ngokweqile, okungenani kuzokusiza ukuthi ube nezindleko futhi ube nemali eningi esele yakho minyaka yonke. Kuyinto ezokuzuzisa kuyo yonke imibono, njengoba uzobona kulezi zikhathi eziqondile.

Yebo, ngaphakathi kwalo mongo ojwayelekile owethulwe ngama-akhawunti ayisisekelo, into esezingeni eliphakeme ukuthi amabhange ngeke akwazi ukukugoba amazinga okuhlukumeza ngempela, njengoba kwenzeka kuze kube manje ngamakhomishini ama-akhawunti wokonga. Ngoba empeleni, kusukela ngesikhathi sokusebenza kwayo ngeke bakwazi ukukukhokhisa noma yimaphi amanani akhokhiswa ku-akhawunti yakho eyisisekelo. Ngokwalokhu kubuka, akungabazeki ukuthi uzozuza ngalesi silinganiso. Ngoba izikali zala mazinga zizoba kusuka ku-zero ziye kuma-euro amathathu.

Izimangalo ngamacala angalungile

Njengomphumela wokusetshenziswa kwalesi silinganiso sokubhanga, amabhange ngeke esakwazi ukudlula inani lamanothi. Ngoba uma kunjalo, ungafaka leyo mali ngokuqoqwa okungafanele futhi izikhungo zezezimali kuzodingeka buyela kuwe ngokushesha okukhulu amanani ashiwo ngenhla. Ngaphandle kwezinye izehlakalo ezingadalwa yilomkhuba omubi wokubhanga. Akumangalisi ukuthi ukukhuthazwa kokubonakala okusobala okukhulu kungenye yezinjongo ezinkulu zokuqaliswa kwalo mthetho omusha. Ngaphezulu kokunye ukucatshangelwa kobuchwepheshe okususelwe ekusetshenzisweni kwayo.

Kodwa-ke, usuku lapho lesi silinganiso sokubhanga sizoqala ukusebenza ngalo alukachazwa. Ukuqagela ukuthi izofika nokuqala kwekwindla, Ekupheleni kukaSepthemba noma ezinsukwini zokuqala zika-Okthoba. Ngale ndlela, kusazodingeka ulinde amasonto ambalwa ukuze amabhange angeqi ama-euro amathathu ekukhokheni amakhomishini ama-akhawunti awo ayisisekelo. Akumangalisi ukuthi kuwuhlelo lokufanisa amanye amazwe asendaweni esiseduzane. Isibonelo, ezizweni zesifunda se-euro. Ngalo mqondo, awukwazi ukukhohlwa ukuthi kuyisincomo esenziwe yizinhlangano zomphakathi nokuthi inhloso yazo ukuvikela abasebenzisi bamabhange.

Ukuphatheka kwamahhala kuma-akhawunti

shintsha Kunoma ikuphi, umkhawulo kumakhomishini ama-akhawunti wokonga ukuphela kwento ozoyibona emasontweni ambalwa. Uma kungenjalo, kunalokho, kuphathelene nenkululeko yokushintsha ama-akhawunti. Ngoba empeleni, kubuye kucatshangwe ukuthi ungathumela i-akhawunti yakho yasebhange kwenye yezici ezifanayo mahhala, inqobo nje uma le nqubo ingeyona inkimbinkimbi ngokweqile ungeqi ezinsukwini eziyi-13. Ngokusebenza okufana kakhulu nokwamaselula. Lokho wukuthi, uzoba nezinsiza eziningi zokushintsha ama-akhawunti futhi usebenzise ngokunenzuzo okunikezwayo okuningi okwenziwe amabhange.

Kunoma ikuphi, kunomehluko omkhulu kuyo yonke le nqubo futhi yiyo ebhekise kunombolo ye-akhawunti yokuhlola. Ngoba ngeke kufane, uma kungenjalo ngokuphambene bazoba ngamanye amadijithi ahlukile. Lesi sici singaba nenye inkinga kwezinye izikweletu eziqondile zezikweletu zasekhaya onazo ngaleso sikhathi. Njengesibonelo, lawo wamanzi, ugesi, igesi, ucingo noma enye into. Akumangalisi ukuthi awusoze waba nesinye isixazululo ngaphandle kokubazisa ngoshintsho ku-akhawunti yakho yokuhlola ukuze bakwazi ukwenza izinkokhiso ngokusemthethweni ngenxa yalezi zinsizakalo zekhaya.

Izinzuzo zalesi silinganiso

Kunoma iyiphi indlu, ukuthuthuka kokufaka i-akhawunti yakho yokuhlola uye kwelinye ibhizinisi kufaka uchungechunge lwezinzuzo okufanele uzicabangele kusukela manje kuqhubeke. Eminye yayo ibaluleke kakhulu futhi ingakusiza ukuthi uphathe lo mkhiqizo wezezimali ngokuguquguquka okukhulu kusuka ngesikhathi isinyathelo esishiwo ngenhla siqala ukusebenza. Phakathi kwazo kunezinzuzo ezilandelayo esizidalula ngezansi.

  • Uzoba ne- inkululeko enkulu ukukhetha ukuthi iyiphi i-akhawunti eyisisekelo evumelana nawe ngaso sonke isikhathi. Ngaphakathi kokunikezwa okubalulekile amabhange akulungiselele kona futhi athengiswa ngaphansi kwezindlela ezahlukene kanye nezinsizakalo.
  • Kusukela ekuqaleni uzosusa izinkinga ezinkulu ezibandakanya lokho phatha i-akhawunti yamanje. Ukuze ngalezo zikhathi lo msebenzi ungakukhokhisi intela noma okungenani isinqumo osithathile mayelana nalo mkhiqizo wezezimali ungafakwa unomphela.
  • Ungakwenza lokhu kusebenza yenza izikhathi eziningi ngendlela ofuna ngayoNgamanye amagama, ngendlela engenamkhawulo nalapho isinqumo sakho sokukhetha leyo oyithatha njenge-akhawunti engcono kakhulu yamanje ukuvikela izintshisekelo zakho zizohlala njalo.
  • Kuyisu eliphumelelayo elizokusiza yamukela ukukhushulwa ukuthi amabhange abelokhu ekhangisa. Ngamamodeli anolaka lapho kufakwa khona izinsizakalo nezinzuzo eziningi.
  • Ngeke kudingeke ukuthi ugcine isikhathi sokuhlala unomphela. Kepha, kunalokho, ungashintsha i-akhawunti yakho yasebhange nganoma yisiphi isikhathi nangosuku olubona lufanele. Ngaphandle kwemikhawulo yanoma yiluphi uhlobo futhi ngaphandle kokukhansela amasevisi atholakala ekuqashweni kwakho.

Kusithinta kanjani isithakazelo?

inzalo Ngakolunye uhlangothi, ukuqaliswa kwalesi silinganiso akuhlangene nenzuzo yokuqashwa kwayo. Kuzohlala kufana kuze kube manje, ngaphandle kwanoma yiluphi uhlobo lokwehluka. Ngoba intshisekelo yama-akhawunti amanje ayihlangene nakancane namakhomishini nezinye izindleko ekuphathweni noma ekugcineni kwawo. Ziyizinto ezihluke ngokuphelele futhi kunoma yikuphi, kuzofanele bahloniphe umholo abakunikeza wona ngesikhathi soshintsho. Njalo ngaphansi kwemikhawulo yezentengiselwano ebuthakathaka ngenxa yokwehliswa kwentengo yemali eyenziwe yimizimba yomphakathi.

Ngokwalo mbono, umphumela oyowubona ngokusebenza kwalesi silinganiso esisha sebhange ukuthi inzuzo yangempela eyenziwe ngalo mkhiqizo iyoba ngaphezulu. Njengomphumela we ukuqedwa kwalezi zindleko kuncane kakhulu okufisayo kuwe nokuthi bangafinyelela kuma-euro angama-100 noma angama-200 minyaka yonke. Manje leyo mali izosebenza yonke ukuze ukwazi ukuyithola kulo mkhiqizo wasebhange ukuphatha ukuphathwa kwakho. Okusho ukuthi, uzoba nokukhokhelwa okukhulu kusukela ngaleso sikhathi esiqondile. Akukuningi, kepha kuzosebenzela ukukhokhela ezinye izindleko ekhaya noma kumane kukunikeze isimanga somuntu siqu.

Kunoma ikuphi, kulula kakhulu ukuthi uhlaziye kusukela manje kuqhubeke ukuthi yiziphi izimo zenkontileka ze-akhawunti yakho siqu ukuthola ukuthi kunenzuzo yini ukushintsha lo mkhiqizo wezezimali. Ngoba kungaba ngumsebenzi wamahhala, kepha kuthatha isikhathi ukuthi unganikela kweminye imisebenzi noma imisebenzi. Ngoba kaningi isixazululo sale nkinga akukhona ukushintsha ama-akhawunti, kepha ukumane kuxoxiswane ngakho nebhange lakho elijwayelekile. Njalo kususelwa kuzintshisekelo zakho, okuyinto ekugcineni emayelana nalokho. Kunoma ikuphi, kuyizindaba ezinhle ukuvikela isikhundla sakho njengomsebenzisi webhange.


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.

  1.   Carlos kusho

    Sawubona, ungangitshela uma lesi silinganiso sesivele siqale ukusebenza noma uzosenza nini? .-Namuhla 31/12 Ngizamile ukwenza ukuthwalwa futhi ibhange lithi alinawo umyalo wokusebenzisa lesi silinganiso.

    Ngiyabonga, okuhle kakhulu.