I-akhawunti ehamba phambili yokukhokha

I-akhawunti ehamba phambili yokukhokha

Ngokufika konyaka omusha, izihloko zama-akhawunti akhokhelwayo angcono kakhulu onyakeni ziphinde zethulwa futhi, njengoba sekubonile eminyakeni eyedlule, ziphinde zaholwa ezikhundleni yi I-akhawunti yokukhokha yasebhange.

Ama-akhawunti amahle kakhulu wabasebenzi ka-2017

Le akhawunti inikeza, njengonyaka, inketho engcono kakhulu ngokunikezwa kumakhomishini angu-0 futhi inenzalo engu-5% kuphela, eyenzeka ngonyaka wokuqala.

Basika ukuncintisana okungcono

Kodwa-ke, phakathi nezinsuku ezimbalwa ezedlule, abaningi ama-akhawunti wabasebenzi baqale ukunciphisa inzalo abayinikeza amakhasimende abo ngenani lokonga amakhasimende abenawo kuma-akhawunti abo. Amanye ama-akhawunti aqale ukunciphisa inzalo yi-akhawunti eyodwa ne-akhawunti yenkululeko (womabili ama-akhawunti we I-Banco mediolanum) futhi i I-akhawunti ye-La Caixa yama-akhawunti amaningi.

Ku-akhawunti ye ngobe Ungabona ukubuyela emuva njengoba beqede izipho abazinikeze amakhasimende abo, njengesongo lokuqina; kodwa-ke bagcina ukubhalisa okunikeza abasebenzisi bezinyanga ezintathu ze-netflix mahhala.

Amakhomishini kanye nomholo omncane

Ngaphakathi amakhomishini kanye nomholo omncane okudingekayo kwi-akhawunti noma ngisho nokuhlala unomphela nge-akhawunti, yizinto ezibalulekile okufanele zifundwe kuwo wonke ama-akhawunti, ngoba isishintshe cishe ngama-50% kuwo wonke ama-akhawunti okukhokha.

Izinketho ezinhle kakhulu

Ngaphakathi izinketho ezinhle, ngaphezu kwalokho Osebenza ngebhange, u-El banco odumile noCajamar Yizinketho ezinhle kakhulu, ezinikeza izinzuzo ezinkulu zama-akhawunti wokukhokha angatholakala emakethe. Ngaphezu kwalokho, inhlanganisela yalaba abathathu inganikeza umholo ophakeme kakhulu nokungabikho kwamakhomishini.
Umholo wasekhaya, ukunikezwa okufanayo

Yize kuguquka minyaka yonke, kulo nyaka izinhlangano eziningi zikwazile ukugcina ukunikezwa kwazo kuwo wonke amaklayenti asevele enemiholo ephethwe.

Izindaba ezinsukwini zakamuva

I-akhawunti ehamba phambili yokukhokha

Yize zimbalwa izinguquko ezenziwe kulezi zinsuku, okuphawuleka kakhulu kube ku izinhlobo ezimbili ze-akhawunti: labo abanikela ngenzalo engu-% ngokushintshisana ngokulondolozwa okufakwa kuwo ngamakhasimende abo kanye nalabo abanikeza izipho kumakhasimende abo ukufaka amadiphozithi.

Eyokuqala yala ma-akhawunti isiqalile ukunciphisa isinxephezelo abasinikezayo. I-akhawunti eyodwa ne-akhawunti yenkululeko zehlise i-% zaya ku-1,75%, okuwukwehla okuphawulekayo uma sikuqhathanisa nokwedlule, obekungu-2,5%. Ngakolunye uhlangothi, ama-akhawunti amaningi atholakala eLa Caixa awasakhokhi amakhasimende awo, ngakho-ke ngumkhiqizo one-0% TIN.

I-Las ama-akhawunti wokukhokha izipho, ngokwesibonelo i-akhawunti ye-imaginabank iguqule ukunikezwa kwayo futhi isuse izipho kumakhasimende ayo. Kodwa-ke, iyaqhubeka nokunikeza eyodwa yazo: izinyanga ze-3 zokufinyelela ku-Netflix.

Uma ucabanga ukukhetha i-akhawunti yokukhokhela le 2017 kodwa namanje awazi ukuthi iyiphi, sizokunikeza uhlu lwe ama-akhawunti amahle kakhulu wabasebenzi ukuze ukwazi ukukhetha eyodwa evumelana kangcono nezidingo zakho.

Ama-akhawunti wabasebenzi

I-akhawunti ehamba phambili yokukhokha

I-Bankinter

Okuhamba phambili ngaphandle kokungabaza, futhi njengoba kwenzekile eminyakeni eyedlule, kunjalo I-Bankinter. Le akhawunti ekhokhelwayo inayo I-0% kumakhomishini, okwenza ikhange kakhulu kubasebenzisi. Iphinde ibe ne-5% APR ngonyaka wokuqala, yehlela ku-2% kowesibili.

Ukuze ufinyelele kule akhawunti, ibhalansi encane okumele ukhokhe ngama-euro ayizi-5.000 XNUMX futhi uyakwazi ukufinyelela ku- ikhadi lesikweletu lamahhala. Amakhasimende analeli khadi anokufinyelela kuma-ATM angaphezu kwama-8.000 emhlabeni jikelele.

Bala mina nawe. Ama-akhawunti wami nawe angama-akhawunti afanele abantu abafuna ukukhokha uhhafu wezindleko zabo.Le akhawunti imahhala futhi ayikhokhelwa. Ngaphezu kwalokho, inikeza bobabili amaqembu ikhadi ukuze bakwazi ukuphatha noma yiluphi uhlobo lokunyakaza ngaphandle kwenkinga.

Ibhange Elidumile

La i-akhawunti edumile yokukhokha yasebhange inikeza amakhasimende ayo i-Samsung HD TV engama-intshi angu-24.

I-akhawunti yokukhokha yasebhange yaseCajamar

Ku I-akhawunti yokukhokha yasebhange yaseCajamar kukhona idiphozi yesikhathi esinqunyelwe lapho uzoba nemali ephelele.

Lolu hlobo lwe-akhawunti lungenziwa inkontileka kusuka ezinyangeni eziyisithupha kuye kwezingama-6 futhi lungenziwa ngokukhokha inzalo ngamagama ahlukile, kusukela ngenyanga kuze kuphele i-akhawunti.

Ubuncane obudingekayo kule akhawunti ngama-3.000 euros futhi inani lenzalo lilungisiwe. Kulolu hlobo lwe-akhawunti, ukukhanselwa kwe-akhawunti ngaphambi kwesikhathi noma okuyingxenye kuvunyelwe.

Kuyinto a i-akhawunti ngaphandle kwengozi yokutshalwa kwemali nangokwempahla enhle.

I-akhawunti ye-Payroll mediolanum

Ngenxa yalokhu i-akhawunti yokukhokha ungaba namakhomishini angama-zero, ngaphezu kokufinyelela kumakhadi wamahhala nokufinyelela kumikhiqizo ehlukahlukene yebhizinisi ngokuba yikhasimende nje.

Abantu abathatha isinqumo sokuba nale akhawunti banokufinyelela okuphelele ekuphathweni nasekulondolozweni kwale akhawunti eshiwo, ngendlela eyenziwe yaba ngeyakho ngokuphelele. Idiphozi yamasheke ngama-euro nokukhishwa kwamasheke asebhange.

I-akhawunti yokukhokha ye-Openbank

I-akhawunti ehamba phambili yokukhokha

Ngenye yama-akhawunti anikela ngo-0% kukho konke. Lokho okungukuthi, ama-euro angama-0 wokuvula i-akhawunti, ama-0 euros wokugcina i-akhawunti kanye ne-0 euros ukuyivala. Ngaphezu kwalokho, abantu abanalokhu i-akhawunti ekhokhayo, unikele kuze kufike ku-1% ekubuyiseleni imali kuzo zonke izikweletu ezinkulu zasekhaya.

Ngaphezu kwalokho, lokhu i-akhawunti ekhokhayo Kukunika ithuba lokuqhubekisela phambili umholo wakho nge-pre-given pre-credit. Lokhu kuncike ekuvunyelweni yibhange.

I-Self Bank

Este uhlobo lwe-akhawunti yakho yasebhange Azinazo izindleko zokuvula futhi ngeke zinikeze ukukhansela noma izindleko zokuhlala unomphela. Ngaphezu kwalokho, kungacelwa ikhadi lesikweletu lakudala noma legolide, kepha ikhadi kufanele livunyelwe yibhizinisi.

Ama-akhawunti anama-ATM angaphezu kwama-9.500 lapho ungaphatha khona ngekhadi lakho futhi uphathe imali yakho.

Ngaphezu kwalokho, uma kwenzeka ungenayo iholo noma ungeke ukwazi ukushintsha, kufanele wenze imali engenayo nyangazonke kule akhawunti njengeholo futhi uqhubeke nokuzuza kuzo zonke izinzuzo.

I-akhawunti eyodwa ye-Payroll mediolanum akhawunti eyodwa

I-akhawunti ekunika inzalo ephezulu, ngekhomishini, kanye nokugcinwa okungaba mahhala, kuya ngokuthi ibhange lithatha isinqumo sini. Ubizwa ngegama i-akhawunti eyodwa, ngoba i-akhawunti yezindleko eziyi-0 enemithetho eguquguqukayo kakhulu eyenzelwe ikhasimende ngalinye.

Ngaphezu kwalokho, inikeza ithuba lokuvula i-akhawunti yesibili ngaphandle kwamakhomishini, ngaphezu kwe- amakhadi wamahhala.

Inkululeko akhawunti ye-mediolanum

I-akhawunti ezokunikeza amakhomishini aphezulu ngezindleko eziphansi. Kuyi-akhawunti yabantu abafuna ukukhululeka kubo ukuphathwa kwe-akhawunti.

Ngaphezu kwalokho, ikuvumela ukuthi uvule i-akhawunti yesibili ngokuphelele futhi ube nayo amakhadi ahlukile. Kubuye futhi I-Bizum, isevisi ekuvumela ukuthi wenze noma yiluphi uhlobo lokukhokha ngefoni yakho ephathekayo. Ngaphezu kwalokho, ukuba yingxenye yezwe le-mediolanum, unezinzuzo wonke amakhasimende akwazi ukufinyelela kuzo.

I-akhawunti ye-Payroll Cajamar Account 360

I-akhawunti ehamba phambili yokukhokha

I-akhawunti enezinzuzo eziphawuleka, ngoba inikeza i-3% TIN ngezilinganiso ezingama-3.000 kuye kuma-12.000 euros. Unekhadi lesikweletu ngaphandle kwezindleko noma isondlo.

I-akhawunti yokukhokha edumile ene-akhawunti yebhonasi

La ibhonasi i-akhawunti edumile, inikeza inzuzo ethe xaxa yemali yakho nge-0.75% APR. Ngaphezu kwalokho, ukukhokhelwa kwe-akhawunti kwenziwa lapho i-akhawunti iphelelwa isikhathi. Isikhathi sale akhawunti yizinyanga eziyi-13 futhi ukukhansela kusenesikhathi kungenziwa lapho iklayenti likucela.

Ibuye inikeze amakhasimende ayo wonke amakhadi esinohlelo. Lawa makhadi ngeke amele izindleko zekhomishini noma izindleko zokuphatha; Lolu hlelo lubizwa ngo-plan 0. Lolu hlelo lunikeza amaklayenti izaphulelo ezibaluleke kakhulu nezinketho zokuzilibazisa ezahlukahlukene ezenzelwe ikhasimende ngalinye.

I-akhawunti ye-Mediterranean BMN

Yize i- I-akhawunti ye-BMN Inehlu olude lwezidingo zokuba iklayenti, kuyiqiniso ukuthi izinzuzo nazo ziphakeme kakhulu.
Izidingo yilezi: okungenani ube nezikweletu ezimbili eziqondile, bese usebenzisa okungenani ama-euro angama-900 ekuthengeni noma ekusebenzeni kwikota ngayinye. Kufanele futhi uthathe umshwalense ngezindleko zama-euro angama-150 ngonyaka nokuthi ibhalansi yekota ngayinye idlula ama-euro ayi-10.000 ngonyaka.

Njengoba ukwazi ukubona, uhlu lwe ama-akhawunti amahle kakhulu wabasebenzi Ayibanzi kakhulu, kepha inikeza izinketho eziningana, eziguqulelwe ezinhlotsheni ezahlukahlukene zamakhasimende.

Khumbula ukuthi yize ibonakala iyimikhiqizo elula yasebhange, kufanele ubuke amaphuzu athile kuwo wonke ama-akhawunti wabasebenzi ukuze ugweme ukumangala okwengeziwe.

Phakathi kwamaphuzu okufanele uwanakekele ngaphambi kokukhetha i-akhawunti yokukhokha noma enye yilezi: amakhomishini akunikeza wona bese ukhetha lawo avame ukunikeza ikhomishini engu-0. I- umholo omncane ukuthi yini ngayinye ye- ama-akhawunti wabasebenzi. Ukuba unomphela, okungafinyelela ezinyangeni ezingama-48 ukushintshana ngezipho.

Okokugcina, ukuxhumanisa kufanele kubhekwe. Amabhange amaningi acela kuphela ukuthi imali ekhokhelwayo ixhunyaniswe nale akhawunti, noma kunjalo, abanye bazama ukukhiqiza ukuthengwa kweminye imikhiqizo efana namakhadi wesikweletu noma umshwalense wazo zonke izinhlobo.


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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.