I-akhawunti yezobuchwepheshe: ngaphandle kwamakhomishini futhi enezinsizakalo eziningi

I-akhawunti yobuchwepheshe ingumkhiqizo okhona ekunikezelweni kwazo zonke izikhungo zezikweletu futhi obonakala ikakhulu ngoba usebenza phatha imali kusuka emsebenzini okhokhelwayo wabasebenzisi. Yenzelwe osomabhizinisi, imisebenzi evulekile kanye nabazisebenzelayo futhi iyindlela ephathekayo yokuphatha imali engenayo nezindleko zala maprofayili wamakhasimende kumkhiqizo owodwa webhange.

Ukumaketha i-akhawunti yobuchwepheshe, amabhange ayinikela mahhala kumakhomishini nezinye izindleko ekuphathweni noma ekugcineni kwawo. Kepha kunoma yikuphi, kuyadingeka ukuhlangabezana nochungechunge lwezimfuneko zokwenza ngokusemthethweni kwalo. Enye yalezi zimfuno idlula letha imali engenayo efanele ukwamukelwa okulingana noma okukhulu kunenani lama-euro ayi-1.000 ngenyanga.

Kwezinye izimo, lezi zimo zenkontileka ziya ngokuqina ngokufunwa kokuhlala okungenani izikweletu ezintathu kwikota. Imali evumelekile ku-Akhawunti Yobungcweti yilezo ezenziwe ngesheke noma ngokudluliswa, ukuthunyelwa kanye namatheminali e-POS. Kwezinye izimo akuvunyelwe ukuwenza uhambisane nokunyakaza komuntu ngamunye wabanikazi bawo.

I-akhawunti yezobuchwepheshe: banjani?

Okunye okuvelele kulesi sigaba sama-akhawunti asebhange ukuthi bavumela umphathi ngamunye ukuthi abhalise ama-akhawunti amabili alezi zici. Inqobo nje uma zihambisana nezidingo ezifanayo futhi zazise isikhungo sezezimali ngaleli qiniso. Ngenkathi ngakolunye uhlangothi, kungama-akhawunti ajwayelekile awunawo umholo ophawulekayo futhi inani lenzalo elibikayo alidluli ku-0,10% ezimweni ezinhle kakhulu. Yize kungena ngokuqukethe izindleko kusukela ngesikhathi sokukhishwa kwayo.

Enye into eyenza lo mkhiqizo wezezimali ungangabazeki ukuthi incwadi yokuhlola ingacelwa mahhala kusuka lapho abanini bangenza khona izindleko zabo zobungcweti. lapho uyiqasha, iphatha i- ikhadi lesikweletu noma lasebhange mahhala ngokuphelele ekukhishweni nasekugcinweni kwayo. Ukusuka lapho ongakhipha khona imali kuma-ATM. Futhi, ezimweni ezithile, umugqa wesikweletu unomphela ofinyelela ku-10.000 euro. Ngokubuyiselwa okungaguquki noma kwephesenti kusikweletu esiphelele, ubuncane be-3%.

Khombisa umsebenzi njalo ngekota

Kunoma ikuphi, i-akhawunti efanele kufanele isebenze ingxenye enhle yonyaka. Lokho wukuthi, yenza okungenani ukunyakaza okuthathu kokukhokha ngekota. Kusukela uma le mfuneko ebekwe amabhange ingafinyelelwanga izokhanselwa ngokuzenzakalela ngabo. Ngakolunye uhlangothi, ngumkhiqizo okuvumela ukuthi uvikele ama-overdraft (kufika kuma-euro angama-500) ku-akhawunti. Ukuze ngale ndlela, le nhlangano ingahlawuliswa, njengoba ngakolunye uhlangothi kwenzeka kwezinye izinhlobo zama-akhawunti asebhange aqondiswe kwamanye amaqembu ezenhlalo.

Kufanele kuqashelwe futhi ukuthi le fomethi ye-akhawunti ikhiqiza ezinye izinzuzo ezizosiza kakhulu abanikazi bayo. Phakathi kwabo, kungenzeka ukufinyelela kumathuluzi anikwe amandla ngokukhethekile ochwepheshe noma osomabhizinisi, njengemithombo yezimali eklanyelwe ukwanelisa izidingo zabo zokwembiwa kwemali ukuze kulondolozwe amabhizinisi abo. Njenge- iseluleko esikhethekile ukuhlangabezana nazo zonke izidingo zebhizinisi lakho. Esinye isisusa amabhange asisebenzisela ukwenza inzuzo yaso umnikelo walokho okuthiwa umshwalense webhizinisi. Ngamaphrimiyamu amakhulu kune-1.000 euros ngonyaka futhi lokho kufaka ukumbozwa okudingeka kakhulu ezinkampanini ezincane neziphakathi nendawo. Ngenkathi ekugcineni, beqeda izindleko kumasheke namanothi ezethembiso, ukudluliswa nezinye izinhlobo zemikhiqizo yezezimali. Kunoma ikuphi, ibhizinisi ngalinye linikeza olunye uphawu lobunikazi ukuze luzihlukanise nokunikezwa komncintiswano.

Izinzuzo zalo mkhiqizo

Kunoma ikuphi, ama-akhawunti ochwepheshe akuwona umkhiqizo ohloselwe wonke amaphrofayili amakhasimende. Uma kungenjalo, ngokuphambene nalokho, kuhloselwe umuntu ochazwe kahle kakhulu nokuthi bangongoti noma abasebenzi abazisebenzayo abafuna ukuba nethuluzi lokubhanga lokuthuthukisa ukunyakaza kwabo kwebhange. Ngomkhiqizo owanelisa izidingo zabo ngokubanikeza ngezinsizakalo ezifanele kakhulu nezinzuzo zomsebenzi wabo wobungcweti. Kwezinye izimo, noma kunenketho yokonga imali minyaka yonke ngamakhomishini nezinye izindleko ekuphathweni noma ekugcineni kwayo. Bafunani phela.

Ngaphakathi kwalesi simo, ama-akhawunti asebhange asebenza kahle ayisikhali esisebenza kahle ongaphatha kuso imali yakho, ukhokhele abasebenzi bakho noma ukhokhe izitolimende zanyanga zonke zolayini bakho besikweletu. Ngokusebenziseka okukhulu kunokuvela kuma-akhawunti wokubheka noma okonga ngamafomethi wendabuko noma ajwayelekile. Lapho amabhange ahlinzeka ngezinsizakalo ezithile kanye nezinzuzo ezibhekiswe kule ngxenye yendwangu yokukhiqiza yomnotho waseSpain.

Njengomunye umkhiqizo osanda kudalwa onobuhlakani obukhulu ekucabangeni kwawo, njengokudluliswa okusheshayo, okudingeka ezimeni eziningi ngabachwepheshe noma ngabasebenzi abazisebenzayo. Futhi sizochaza ngokuningiliziwe ukuthi banjani nokuthi yini umsebenzi kanye nemishini. Ukuze ukwazi ukuzisebenzisa kusukela manje kuye phambili futhi ngokususelwa kuzidingo zakho zangempela ebhizinisini lakho noma emsebenzini wobungcweti. Ngoba bebesemakethe yasebhange isikhathi esifushane kakhulu futhi udinga ukwazi kangcono le modeli yokukhokha.

Ukudluliswa okusheshayo

Ukudluliswa okusheshayo kungesinye sezixazululo ezisebenza kahle kakhulu lapho kunesidingo se- ukuthumela imali kubantu besithathu. Ngeke ukhohlwe ukuthi ukudluliswa kwamabhange kuyinhlangano ejwayelekile kakhulu yokwenza izinkokhelo, ukukhokha izikweletu noma ukukhokha imali yokuqasha ikhaya. Kepha ukubuyela emuva okungathí sina kwalokhu kuthengiselana kwemali ukuthi kuvame ukuthatha phakathi kosuku olungu-1 no-2 luze lutholwe ngumamukeli. Iqiniso lokuthi kwesinye isikhathi lidala izehlakalo ezingafuneki kakhulu kubasebenzisi bebhange.

Ukulungisa lesi sigameko ekudlulisweni okujwayelekile kakhulu, kuthunyelwe ngokushesha, okuvame ukunciphisa ukusebenza emizuzwini embalwa. Umphumela osheshayo ukuthi ukudluliswa kwemali kuzokwenzeka cishe ngesikhathi sangempela. Le yinhloso eyinhloko yalokho okubizwa ngokuthi ukudluliswa okusheshayo okwenziwe ngokusemthethweni ngohlelo lwe-TIPS (khomba ukukhokha masinyaneNoma yini efanayo, ukukhokha ngokushesha. Ngale ndlela, imali ethunyelwa amakhasimende izofinyelela lapho iya khona ngokushesha.

Zisebenza kanjani?

Ngaphandle kokungahle kubonakale kusukela ekuqaleni, lolu hlelo alwenzelwanga kuphela imisebenzi eyenziwa kumadivayisi wezobuchwepheshe (iselula, amaphilisi, njll.). Kepha kunalokho, igcina imigudu yendabuko yezinye izinhlelo zokulethwa. Okusho ukuthi, kusuka kokwakho Igatsha lasebhange noma ikhompyutha yomuntu siqu. Uma ukhetha le nketho yokugcina, uzoba nenzuzo enkulu yokuthi lo msebenzi ungenziwa nganoma yisiphi isikhathi sosuku, noma ngezimpelasonto. Njengoba kunikezwe isidingo samakhasimende ukubhekana nenkokhelo yokuphuthuma okuthile ngalesi sikhathi seviki.

Ngakolunye uhlangothi, asikho isidingo sokufinyelela kule nsizakalo yasebhange, vele uqinisekise ukuthi uyikhasimende lesikhungo sezezimali lapho imali ifakwa khona nge-akhawunti yokuhlola noma eminye imikhiqizo enezici ezifanayo. Le sevisi ifaka izindleko zamabhizinisi we Amasenti angu-0,20 nge-euro ngayinye ekusebenzeni ngakunye, yize kuzoncika esinqumweni sakho ukuze inani lehle noma lingaweli kukhasimende.

Iphinde iveze umehluko ocashile, maqondana nokudluliswa okuthathwa njengokujwayelekile, futhi lokho ngukuthi ngeke kube nomlamuleli kule nqubo yezimali. Ukuze kusizakale amaqembu womabili azoba sesimweni sokuhlangabezana nezinhloso zawo.

Amanani wokwenziwe

Esinye isici okufanele sihlolwe ngokudluliswa okusheshayo ukuthi kunemikhawulo maqondana nenani lamanani athunyelwe. Le ndlela yokukhokha ivumela ukunyakaza ku-akhawunti okungafinyelela kufayela le- inani eliphakeme lama-euro ayi-15.000. Ngenzuzo eyengeziwe yokuthi ngeke kulindwe noma yisiphi isaziso sokuthi ukuthunyelwa kwenziwe ngendlela efanele futhi kufinyelele kumamukeli wayo. Ngoba ngasikhathi sinye i-oda linikezwa, kuzokwaziwa ukuthi lo msebenzi wenziwe ngokujwayelekile.

Lokhu kungukusebenza okuqala okunikwe amandla amazwe angamalungu e-European Union ngakho-ke kuzokwenziwa ngokusemthethweni kuma-euro. Kodwa-ke, akunzima kangako ukufinyelela esivumelwaneni namabhange ukuze ikhiqizwe kwezinye izimali zamazwe omhlaba: amakhilogremu aseBrithani, amadola aseMelika noma amafranc aseSwitzerland. Kulokhu, kuzodinga isaziso ebhange ukuveza lezi zidingo zamakhasimende futhi lapho-ke kuzoba nokufaka isicelo se- ikhomishini yokushintshaniswa kwemali lokho kuphakathi kuka-0,20% no-1% wenani eliphelele lokudluliswa, kuya ngesikhungo ngasinye sezezimali. Lokho wukuthi, kungumbutho ozojeziswa uma ufuna ukuthumela imali kwamanye amazwe angekho endaweni ye-euro, njenge-United States, Great Britain noma iMexico.


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  2. Inhloso yedatha: Lawula Ugaxekile, ukuphathwa kwamazwana.
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  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.