Izimali ezintsha zokukhipha imali kuma-ATM

Kusukela kulo nyaka omusha, kuzodingeka ukuthi ucabange ngawo ngaphezu kokuphindwe kabili ngaphambi kokwenza umsebenzi wokukhipha imali kuma-ATM afakwe emabhange. Izinsuku lapho lezi zinhlangano zenziwe zaba semthethweni ngaphandle kokucabanga ukuthi kukhona ukukhokha sezinyamalele, zadlula. Amakhomishini amasha amabhange afaka isicelo sokukhipha imali kuma-ATM afakwe ngokusobala emkhakheni wamabhange.

 Bonke laba ngemuva kokuthi uMkhandlu Wongqongqoshe ugunyaze umthetho ovimbela amabhange ukuthi akhokhise amakhasimende awo ikhomishini ephindwe kabili kuma-ATM. Lesi silinganiso, esivele siqala ukusebenza, sinesikhathi sokushintshwa kuze kube nguJanuwari lapho izinhlangano zinquma khona ukuthi zizowaphatha kanjani amakhomishini nokuthi ngabe ekugcineni zizowadlulisela yini kumakhasimende noma cha. Yilokho okwenzekile manje, nalokho kuzodingeka ukuthi kubhekwe ukuthi kubathinta kanjani abasebenzisi bamabhange kuleli.

Ngaphambi kokwenza lokhu kuhamba, kuzodingeka ukuthi uqinisekise ukuthi unayiphi inhlangano nokuthi bazokukhokhisa malini ngokukunikeza imali. Ukukusiza wazi ukuthi uzokhokhelani ngalo mqondo, kuzoba wusizo kakhulu uma ugcina esikhwameni sakho uhlu namabhange wonke kanye namanani avelile. Lokhu kungenxa yokuthi ngeke kube namakhomishini afanayo, okuphambene nalokho, ibhange ngalinye lizoba nesilinganiso esihlukile kwesinye, esifanayo, kodwa hhayi ngaso sonke isikhathi esifanayo. Ngenxa yalokho, Kuzohlala kunenzuzo enkulu ukwenza ukusebenza kwamanye amabhange kangcono kunakwamanye.

Kunoma ikuphi, uzohlala unendlela yokuzivikela ewusizo uma ungavumelani nokusebenza. Futhi yilokho Kuzofanele bakwazise kusengaphambili ngezindleko ezifanayo, ukuze ukwazi ukwamukela lo msebenzi, noma, uma wehluleka lokho, ikhansele bese uzama ukuphinda inqubo kwenye ibhizinisi enamanani ashibhile. Lolu lwazi luzovela ngokusobala esikrinini se-ATM, konke ngaphandle kokukhetha, ngenkathi ucwilisiwe kule nqubo.

Kuzohluka ngebhange

Mayelana namakhomishini amasha, Ukuhamba okungaphakathi kwebhizinisi elifanayo lapho uyiklayenti kuzoba khona, waqeda amakhomishini. Akumangalisi ukuthi, ukugwema ukuba nezindleko ezingenamsebenzi kufanele ugcine engqondweni indawo yama-ATM aphethwe yibhange lakho. Ikakhulukazi lapho usohambweni, hamba uye eholidini, noma umane uthuthele kwelinye idolobha ngezimpelasonto.

Amanani amasha asevele aqala ukusebenza azokhokhiswa njalo lapho uya ukuyokhipha noma yiliphi inani kulawa madivayisi. Ibhange ngalinye lizokukhokhisa ngokususelwa ekutheni ikhadi likabani. Ngokwehluka okusobala phakathi kokunye. Hhayi ize, uma uyisebenzisa kahle ungonga ama-euro amaningi minyaka yonke, ngaphandle komzamo wakho. Ukuphela kwesidingo abazokufuna kuwe ukuthi imininingwane yakho kula mazinga ibanzi ngangokunokwenzeka.

Ngakolunye uhlangothi kunengqondo ukucabanga, Umsebenzi onenzuzo enkulu ngokungangabazeki kuzoba ukuwathuthukisa kuma-ATM asebhange lapho ungamakhasimende khona, ngoba ngeke bakukhokhise lutho ngalo mqondo, hhayi okungenani. Noma ngabe yiliphi inani olikhiphayo: 20, 50… 300 euro.

Ukusuka lapha izinkinga zezintshisekelo zakho zizofika, ngoba kuzobe sekuyisikhathi sokwenza inombolo kusibali, ukuze uhlole ukuthi yiziphi izinhlangano ezizokukhokhisa kancane. Futhi lapho, kusuka ku-ATM, izokwazisa ngekhomishini ukuthi ibhange eliphethe umhlinzeki uzokukhokhisa ebhizinisini elikhipha ikhadi, kepha ukuthi ibhange lakho lingakhokhisa inani elihlukile uma lithatha izingxenye zekhomishini.

Bazokukhokhisa malini?

Umehluko uzobazwela kakhulu, kusuka ekungeneni kwama-euro angu-0,65 kuphela, kuya kuma-euro ama-2, okuyisilinganiso esiphezulu abangakukhokhisela ngaso umsebenzi ngamunye. Kodwa-ke, kungakuhle kakhulu ukuthi usebenzise ama-synergies ahlinzekwa ezinye izikhungo zezezimali, futhi ongazisebenzisa kusukela manje. Lezi ngezinye zazo, yize kungaba ezesikhashana.

1. I-Banco Popular: uzohlomula ngamanani aphansi abawethula ekusebenzeni kwabo (ama-euro angama-0,65), kwamanye amabhizinisi, lapho amathuba akho okuqukatha izindleko zalo mqondo enyuka kakhulu: ICaja Laboral, iCaja Rural neCajamar.
2. I-Direct: Uma njengamanje uyiklayenti laleli bhizinisi, nawe uzohlomula, ngoba ukukhululwa kwalezi zinkokhelo nakho kuzosuswa emisebenzini eyenziwa ngamagatsha e-March Group.
3. I-Bankinter: amakhasimende akho azoba phakathi kwabaphula umthetho abahamba phambili kulesi simo esisha ngemuva kokufakwa kwezilinganiso ezintsha. Lokhu kungenxa yokuthi uzokwazi ukukhipha imali edebhithi mahhala kuma-ATM wezinye izinhlangano: iGrupo Caja Rural, iCaja Laboral, iCajamar neDeutsche Bank.

Kukhona ezinye izinhlangano, ngokuphambene nalokho, lokho gcina amasu wangaphambilini esebenza ngaphansi kwamakhomishini angama-zero, kodwa kuze kube esinye isaziso, esingahle sivele. Eqinisweni, akunqatshelwe ukuthi bangakushintsha ngesikhathi esifushane. Phakathi kwabo, i-Triodos Bank ivelele, eqhubeka ngomugqa ofanayo webhizinisi kuze kube manje. Ngakolunye uhlangothi, u-Evo Banco, ongakhokhisi mali kumadivayisi amakhulu, inqobo nje uma imisebenzi idlula ama-euro angama-120.

Enye yezinkinga ezizovela ekusetshenzisweni kwalesi silinganiso kuzoba yileso esivela amaklayenti atholakala emadolobheni amancane. Lapho, ngakho konke, ezokuphepha, kungeke kube khona ukunikezwa okubanzi ongakusebenzisa, noma ngabe kungenzeka ukuthi awunayo i-ATM ebhange lakho. Ngenkathi isezindaweni ezinkulu zasemadolobheni le nkinga izonyamalala ngokuphelele, njengoba inani lamatheminali atholakala emigwaqweni yalo landa.

Amasu ayisishiyagalombili okonga imali kule misebenzi

Kusukela manje kuzoba khona sibhekane kakhulu nenqubo yokukhetha i-ATM ukuze sikhiphe imali yethu, noma ngabe lithini inani lalo. Alikho elinye ikhambi. Kungakudla imali ethe xaxa, ngisho nokuthi kufanele uhambe amamitha ambalwa ukuze ufinyelele ku-ATM efanele kakhulu ukuze ungadubuli izindleko zomsebenzi wethu. Kepha kuzokufanele ngempela, njengoba uzobona ngemuva kwezinyanga ezimbalwa.

Kepha ngasikhathi sinye, kuzodingeka ukungenisa imihlahlandlela ethile yesenzo, ngisho nokuyishintsha ngokuya ngalokho obukade ukukwenza kuze kube manje. Kodwa-ke, ibhalansi ye-akhawunti yakho yokubheka izokubonga, ikakhulukazi uma wenza le misebenzi yasebhange njalo, ngoba ukonga kungaba namandla amakhulu. Noma unamasu anolaka kakhulu, okuzokuholela ekushintsheni amabhange, bese ukhetha lawo anikela ngamanani ancintisanayo wokugcinwa kwamakhadi akho.

• Ukhiye wokuqala: hlala usebenzisa ama-ATM ebhange lakho. Kuzoba ukuphela kwendlela yokuthi ungakhokhi enye i-euro njalo lapho uya ukusebenzisa noma yimaphi amatheminali awo. Ukwenza lula ukukala, kufanele uzazise kusengaphambili ukuthi yimaphi amagatsha abawasabalalise kulo lonke izwe laseSpain. Okungenani emadolobheni lapho uhambisa khona kakhulu.
• Ukhiye wesibili: iya kulowo onezimali ezincane. Ngenxa yokuthi akunakwenzeka ukuthola igatsha lebhange lakho, isinyathelo esilandelayo kuzoba ukukhetha ama-ATM anamanani aphansi kakhulu, akhona, ngoba umehluko ungaletha umehluko ongafinyelela ku-100%.
• Ukhiye wesithathu: ungahlala ukwenqaba ukusebenza. Ungahle ungazi ukuthi amabhange awafaka kanjani la makhomishini kuwe, futhi ungaze umangale ngomphumela wawo. Ungakhathazeki, ungawunqaba ngesikhathi esifanele lapho waziswa khona ngalesi sehlakalo ngesikrini se-ATM. Futhi ngale ndlela, uzokwazi ukuncika ngakwamanye amabhange, uma lokho kuyisifiso sakho.
• Ukhiye wesine: sebenzisa amabhange angazange avuselele isilinganiso. Ikakhulukazi ekuqaleni, ezinye izikhungo zezezimali bezigcina imingcele efanayo kuze kufike ukufika kokufakwa kwala makhomishini amasha. Ungayisebenzisa njengoba uvame ukwenza njalo, futhi inqobo nje uma bengashintshi isu labo lokuhweba namakhasimende abo amakhulu.
• Ukhiye wesihlanu: usebenzisa ezinye izindlela ezizuzisa ngokwengeziwe. Kungaba nzima kakhulu kuwe ukwenza lezi zinkombandlela zokuziphatha, futhi ukugwema izindleko eziphakeme ku-akhawunti yakho, kungakuhle kakhulu ukuthi uzinikeze imali ngokusebenzisa ezinye iziteshi ekukhipheni imali, njenge, isibonelo, ngqo emagatsheni asebhange, njengoba kwenza abazali bakho kuze kube yiminyaka embalwa edlule.
• Ukhiye wesithupha: uma wenza lo msebenzi kaningi, kufanele umise izindleko. Kungokujwayelekile futhi kuyaqondakala ukuthi kwesinye isikhathi ukhokha amakhomishini aphakeme kakhulu alesi sikali esisha, uma ukunyakaza kugcina isikhathi futhi kungafani. Kepha uma ucabanga ukuthi ukuvakasha kwakho kuma-ATM kuvame kakhulu, kufanele usebenzise isu elisha uma ungafuni ukubona ukuthi inyanga nenyanga ulahlekelwa kanjani yingxenye yebhalansi yakho yasebhange kulezi zilinganiso ezisanda kuqala ukusebenza.
• Ukhiye wesikhombisa: khipha imali ephakeme. Icebo elincane lokweqa ungalimazekile kulezi zimali ezikhokhelwa amabhange empeleni lifaka ukwenza amanani aphezulu abe semali, ngaphezulu kwama-euro angama-100, kanye kanye. Ezinye izikhungo zezezimali, yize zimbalwa kakhulu njengamanje, zikuvumela ukuthi ukhethe leli su eliyingqayizivele lokuqukatha izindleko.
• Ukhiye wesishiyagalombili: ukuthi akuphazamisi ukusetshenziswa kwemali ngokweqile kwe-akhawunti yakho. Ngokuqondene ne-overdraft, kuyikhomishini esetshenziselwa ibhalansi ephezulu kakhulu ngezinombolo ezibomvu onayo ngesikhathi sokukhokha. Futhi ukuthi ungafinyelela amamajini afinyelela kuma-10%, uma uzithola ubanjwe kulesi simo esingemnandi.