Ama-akhawunti okonga angumkhiqizo wasebhange cishe ongenakubuyiselwa kubasebenzisi. Futhi lapho benza khona imisebenzi emikhulu yasebhange: ukukhipha imali, ukudlulisa, ukukhokha, kanye nokulawulwa kwebhalansi yakho. Kepha kuyabekwa ngokwengeziwe inzuzo entsha ezuzisa kakhulu izintshisekelo zakho. Kungukubuya kwengxenye yama-invoyisi lapho kuqondiswa le mibhalo.
Yize ama-akhawunti okonga engahlukaniswanga ngemiholo yawo ephezulu, kepha kunalokho ngokuphambene, ngoba enikeza amaklayenti amama aphansi kakhulu. Phakathi kuka-0,10% no-0,50% cishe kubhalansi eyethulwe kuzo. Njengomphumela wokwehliswa kwentengo yemali yinhlangano yomphakathi ezindabeni zemali. Kepha kunoma yikuphi, kungaphikiswa yimiphumela yama-akhawunti akukhokhela imali yokuxhumanisa kwayo nezikweletu ezinkulu zasekhaya.
Kuyisu lokuhweba ukuthi amabhange athuthukisa ngolaka olukhulu, futhi ngemvamisa ethile, ukuheha amakhasimende amasha. Futhi kuqukethe ukuthi bakubuyisela phakathi kuka-1% no-3% wenani lazo zonke izikweletu eziphethwe ebhizinisini, ngaphandle komkhawulo ngokuqondene nenombolo yabo. Akunandaba ukuthi hlobo luni lwayo, luthinta zonke izinsizakalo (igesi, ugesi, amanzi, njll.), Kanye nokunye okunobuntu (izinhlangano zobungcweti, umshuwalense womuntu siqu, noma ngisho nokukhokha emphakathini womakhelwane).
Kanjani ama-akhawunti adinga izindleko zedebhithi eziqondile?
Uzokwazi ukuthola imbuyiselo ngokuya ngomnikelo owethulwe yibhange ngalinye, futhi ovame ukungafani ngaso sonke isikhathi, lapho ezinye izinsizakalo zengezwa noma zisuswa. Kodwa-ke, ngokuqiniseka konke lokho uzothola umkhawulo omkhulu embuyisweni, ongeke weqe ngaphansi kwazo zonke izimo.
Ngokubuyisela, bazodinga kuphela imibandela emibili okulula kakhulu ukuhlangabezana nayo. Ngakolunye uhlangothi, ukuthi une-akhawunti enalezi zici ezivulekile. Ngakolunye, ukuthi uvulekile ukuxhumanisa zonke izikweletu zakho zasekhaya, bese uziqondisa zonke.
Uma uhlangana nabo, siyakuhalalisela, ngoba wena uzokonga amanye ama-euro njalo ngenyanga. Akukhona ukuthi uthola ukubuyisa okumangazayo kubhalansi, kepha okungenani kuzokusiza ukuthi ube nezindleko ebudlelwaneni bakho obujwayelekile nezikhungo zezezimali.
Ngaphezu kwalokho, ayikho imikhawulo enanini lama-invoyisi athunyelwe kulokhu kunikezwa okuyingqayizivele okukhiqizwe kusuka emabhange. Kodwa-ke, lokho ongeke ukuthole noma ikuphi ukuthuthuka kumama wenzalo anikezwa yila ma-akhawunti, okuzofana nse nakuma-akhawunti wendabuko. Ngaphandle kwe-0,30% okungcono kakhulu.
Esinye isici esihlinzekwa lo mkhiqizo wasebhange ukuthi wethulwa ngaphandle kwamakhomishini futhi ukhululiwe kunoma yiziphi izindleko ekuphathweni noma ekugcineni kwawo. Ukonga kuzoba nendlela ephindwe kabili yokungena. Futhi kokungeziwe, lokho kusuka kule nsimbi yomqondo wokubhanga futhi ungathola amakhadi wesikweletu nawasebhange wamahhala ngokuphelele, okungenani ngonyaka wokuqala.
Kule minikelo eyisisekelo ungakhetha phakathi kwamamodeli amaningi aveza le minikelo ethokozisayo. Azikho eziningi, kepha zanele ukuze ukwazi ukonga ama-euro amaningi ngonyaka ekusebenzeni ngakunye kusukela manje. Ngaphandle kokubandakanya noma yimuphi umzamo owengeziwe ebudlelwaneni bakho nalolu hlobo lwe-akhawunti yokonga. Futhi ngeke kudingeke ukuthi usayine olunye uchungechunge lwemikhiqizo (izinhlelo zempesheni, izimali zokutshala imali, umshuwalense, njll.), yize kulokhu kungasetshenziswanga.
Yimaphi ama-akhawunti ahlangabezana nalezi zimfuneko?
Uzoba nochungechunge lwemikhiqizo yasebhange ongayibhalisa ngaphansi kwalezi zici. Ngeziphakamiso ezinolaka kakhulu, ezizokwenza ukuthi ushintshe amabhange ukuthola izinzuzo ezinikezwa kumamodeli aphakanyisiwe. Ziyafana kakhulu phakathi kwazo, zinomehluko omncane, nokuthi iphesenti lembuyiselo lizoba yini uphawu lwalo olukhulu lokwehlukanisa, futhi okubaluleke kakhulu. Ukwazi ukusizakala ngamaphromoshini abuyisela kufinyelela ku-3% wezindleko zezindleko zakho zasekhaya.
Kuzofanele uthole kuphela imodeli ehlangabezana kahle nezidingo zakho, futhi-ke, evumelana kahle nephrofayili yakho njengekhasimende lasebhange. Ukukusiza ngalokhu, sizokwethulela amanye amamodeli we-akhawunti athengiswayo njengamanje. Futhi mhlawumbe ezinye zazo ziyakuthakazelela ikakhulukazi ukuthi uqashwe, futhi ufeze izinhloso zakho, okungeke kube okunye ngaphandle kokuqukethe izindleko ngaleli su lebhizinisi eliyingqayizivele.
Amathuba ngeke aswele, impela, futhi okuzongezwa kulo olunye uchungechunge lwezinsizakalo nezinzuzo ezihambisana nale mikhiqizo yasebhange. Enye yezinto ezakha lesi sici yiBanco Sabadell nge-Akhawunti yayo ye-Expansión. Bazobuyisa inani eliphakeme, i-3%, kepha kube nemikhawulo ye-cap yama-euro angama-20 ngonyaka. Isiphakamiso se-akhawunti ye-Banco Popular sisekelwe ku-2% kwizikweletu zasekhaya, nazo ezikhawulelwe kuma-euro angama-15 minyaka yonke.
Enye yezinhlangano zezezimali eziphethe ukumaketha lo mkhiqizo wasebhange yi-Oficina Directa, njengamanje ene-akhawunti yokuhlola ebuyisela amaphesenti ama-2 emali ekhishwa ngqo kubanikazi bayo. Futhi ekugcineni, ukunikezwa okwethulwe yi-Openbak okuthatha kuze kufike ku-1% ukwenziwa ngokusemthethweni kwalezi zibuyiso ngaphandle kokuthola eminye imikhiqizo yasebhange.
Ungakwandisa kanjani ukusebenza?
Lapho nje le modeli yokonga isibhalisiwe, kuzodingeka ukuthi uqondise kuphela ukudonswa kwemali kumarisidi owafunayo, ngaphandle kwemikhawulo. Ungakwazi ukwenza lo msebenzi ube semthethweni ngokudluliswa kusuka ku-akhawunti yezinye izinhlangano. Ukuze ukusebenza kwayo kube okuphezulu kakhulu, Kuzonconywa kakhulu ukuthi ubuyekeze izindleko okhokhiswa zona inyanga nenyanga, noma ikota. Hhayi labo kuphela abavela emisebenzini yasekhaya, kodwa futhi nangohlobo oluhlukile.
Umbuzo owodwa ongaba nawo kulapho bebuyisa inani elakhiwe yilezi zimali eziqondile. Kulula kakhulu, njalo uma amarisidi akhokhiswa nge-akhawunti, ngqo, ngaphandle kokulinda ezinye izikhathi ezibekiwe zokubambezeleka, noma ekupheleni kwenyanga. Hhayi ngeze, isaphulelo sizovela ngokuzenzakalela, ngaphandle kokulinda noma eminye imibandela. Ngale ndlela, umphumela ozokwenziwa ku-akhawunti yakho yokuhlola uzoba khona ngokushesha.
Kuyiqiniso ukuthi akuyona imali ekhangayo kakhulu, kepha noma kunjalo Kuzokusiza ukunxephezela ukwanda kwamazinga eminye imisebenzi yamandla, isibonelo, lokho kokukhanya. Futhi ngenzuzo eyengeziwe yokuthi konke kuzofakwa endaweni eyodwa ngomkhiqizo ofanayo webhange, futhi ngaphandle kokushintsha izinhlangano. Izogxila kumkhiqizo owodwa kuphela webhange, ukuze ube nezinsiza eziningi zokufinyelela kuzipesheli zabo.
Njengoba kungekho okunikezwayo okuningi kwalezi zici okuthuthukisiwe kuze kube manje, kuzokwenza kube lula kuwe ukuthi uthuthukise ukukhetha kwe-akhawunti yakho ngokugcwele. Lokhu kunjalo, ngoba uzoba nesikhathi esithe xaxa sokuhlaziya ngokuningiliziwe isiphakamiso ngasinye, futhi ekugcineni ufinyelele esiphethweni sokuthi yikuphi okukulungele ukuthi ubhalise. Ngaphezu kwalokho, kubhekwa ukuthi yiziphi ezinye izinzuzo ezifakiwe ezigabeni zayo zenkontileka: amakhadi, ukunyakaza kwebhange, ukudluliselwa, njll.
Izeluleko eziyishumi nambili zokukhetha imodeli enhle kakhulu
Ubhekene nokunikezwa okwethulwe ngamabhange, umsebenzi wakho kuphela kuzoba ukuhlomisa ngethuluzi elihle kakhulu lokuxhumana nomkhakha webhange ukwenza imisebenzi yakho ejwayelekile. Ukukusiza ukuthi ufeze le nhloso, siphakamisa izindlela ezinhlanu zokwenza ongazisekela kuzo. ukwenza isinqumo esihle kakhulu esihlobene nokudonswa kwemali ngqo kwezikweletu zakho uqobo nezasekhaya.
- Yenza isivumelwano ngama-akhawunti aveze amaphesenti angcono wokudonswa kwemali ngqo kwalawa maresidi, kepha unake kakhulu imikhawulo le mikhiqizo yasebhange ekhethekile ezokunikeza yona.
- Khetha eyodwa edala izindleko ezincane ekusebenzeni kwakho okujwayelekile, futhi uma bekhululiwe kumakhomishini, kungcono kakhulu, ngoba imali oyongile izohamba ngezindlela ezimbili.
- Bheka imodeli ethile, ongayisebenzisa bhalisa ikhadi lesikweletu (noma ledebhithi) ngaphandle kokuthatha imali ekhishwayo, okungenani eminyakeni embalwa yokuqala ngemuva kokuqashwa.
- Noma kuyiqiniso ukuthi ukubuyiswa kwemali kwale mikhiqizo ngokusobala akunelisi ngezintshisekelo zakho, namanje uzokwazi ukubhalisela i-akhawunti ekunika enye into njalo ngenyanga.
- Uma unamarisidi okudonswa ngqo kuma-akhawunti ahlukene, kungahle kube yisikhathi sokuthi ushintshe isu lakho futhi ubahlanganise ngemodeli eyodwa, ukusizakala ngazo zonke izinzuzo zayo.
- Hlala ukhumbula lokho Akuyona imikhiqizo eyenzelwe ngokukhethekile ukuthola isivuno sabo, kepha ukusebenza ngebhange lakho ngazo zonke izinhlobo zokusebenza.
- Khumbula ukunikeza abahlinzeki besevisi ngenombolo ye-akhawunti yakho ukuze idebithi eqondile yenziwe ngendlela efanele kusukela kumzuzu wokuqala, futhi ungathola izimbuyiselo.
- Angama-akhawunti amahle kakhulu wezimo zakho njengomsebenzisi webhange, ngoba ezinye zazo azikuvumeli ngisho nokuthi wenze noma yiluphi uhlobo lokuxhumanisa.
- Le mikhiqizo azixhunyaniswa nenkontileka yamanye amadizayini ebhange (izimali zokutshala imali, izinhlelo zempesheni, imali yesikhathi, njll.), Futhi kuziphakamiso ezithile eziqondile kuphela lapho zizodinga khona ukudonswa kwemali ngqo kweholo lakho (noma impesheni).
- Kungumkhiqizo onamandla kakhulu ovuselelwa njalo., ethula izindaba eziya ngasocansini, futhi ongazuza kuzo ngokuqasha.
- Yize ezimweni eziningi zingenazo izindleko, kufanele uqaphele kakhulu ngokuzibeka endaweni ebomvu, ngoba izinhlawulo zivame ukuba nzima kakhulu uze ubuyekeze ibhalansi yakho.
- Ekugcineni, awunaso isikhathi esincane sokuhlala, ngoba ungazikhipha ohlwini nganoma yisiphi isikhathi, futhi ngaphandle kokuthi uthathe izindleko zokuhlinzwa.