Namuhla kubaluleke kakhulu ukuthi sazi ama-akhawunti asebhange amahle kakhulu emakethe ukuthola ukuthi iyiphi inketho engcono kakhulu kithi futhi sithole uhlobo oluhle kakhulu lwe-akhawunti yasebhange emakethe olusisiza ukuba sibe namakhomishini aphansi kakhulu.
Ama-akhawunti asebhange amahle kakhulu emakethe
Kusobala kakhulu ukuthi wonke umuntu ubophezelekile ukuthi abe ne-akhawunti yasebhange kungekudala, ngoba kulapho abantu abaningi benza izinkokhelo zethu noma ukuqoqa khona.
Ingabe kuphi siqondisa zonke izinkokheloNoma ngabe kwenzelwa izinsizakalo zasendlini ezifana nogesi, amanzi, igesi nokuthi izinkampani eziningi zisikhokhela kuphi ngakho akuvamile ukuthi umuntu namuhla angabi nayo.
Izinkampani eziningi zikuphoqa ukuthi uqondise izinkokhelo zedebhithi, okusho ukuthi ngandlela thile kufanele wazi ukuthi ziyini ama-akhawunti asebhange amahle kakhulu emaketheoy kufanele wazi ukuthi yimaphi ama-akhawunti anekhomishini ephansi kanye nezinga lenzalo nokuthi yiliphi inani ozolikhokhisa ngokulungiswa nokuphathwa kwale akhawunti eshiwo.
Lesi ngesinye sezizathu zokuthi kungani sKufanele ube nama-akhawunti asebhange ahamba phambili emakethe asinika i imiphumela emihle ngaphandle kwenzalo namakhomishini aphezulus. Namuhla, sizothola ukuthi yimaphi ama-akhawunti amahle kakhulu emakethe.
I-akhawunti ye-Evo bank smart
Enye yama-akhawunti okuqala esizoqokomisa ngawo yi- i-akhawunti yasebhange ye-smart evo. Ingabe i-akhawunti ikhokha u-1% APR yemali onayo kwi-akhawunti yakho yasebhange. Ngaphezu kwalokho, uma sesingamakhasimende anezinyanga ezingaphezu kwezingu-6 ebhange futhi i-akhawunti esinayo idlula ama-euro angama-3000, i-akhawunti ingezwa nge-2% APR.
Lolu hlobo lwe-akhawunti ye-smart account ye-EVO, kwenzeka ukuthi lube ne- ikhomishini yenqubomgomo yamahhala, ngisho nasezintweni okufanele zikhokhiswe njengokudluliswa. Kodwa-ke, ukuze le akhawunti ingakukhokhisi noma yiluphi uhlobo lwekhomishini, kufanele ube namarisidi okukhokha ngqo noma iholo, kungaba yimpesheni noma ukungasebenzi.
Amanye ama-akhawunti asebhange ahamba phambili emakethe angakuthakazelisa futhi ongaqiniseka ukuthi angenye yama-akhawunti asebhange amahle kakhulu yile Ukubhanga kokuziphatha kanye nomphakathi kwama-triodos we-akhawunti yamanje.
Le yi-akhawunti esiyithole ithakazelisa kakhulu kusukela lapho ayinalo uhlobo oluthile lwekhomishini futhi abanazo izindleko ezingeziwe ezifakiwe phakathi nokudluliswa kokuqala okungu-5 okwenzayo inyanga ngayinye.
Ngaphezu kwalokho, ikunika ithuba lokukwazi ukuxhumanisa umholo wakho ngaphandle kokuba nesidingo sokuba nekhadi elixhunywe kuleyo akhawunti.
I-Akhawunti Yesidingo seDeutsche Bank db
Enye yama-akhawunti asebhange ahamba phambili emakethe esiyiqokomisa njengcono kakhulu yiyona I-Akhawunti Yesidingo seDeutsche Bank db. Le akhawunti ngeke ikunikeze noma yiluphi uhlobo lwekhomishini futhi ngeke ikhiqize izindleko zanoma yiluphi uhlobo sonke isikhathi onaso. Futhi Dinga i-Akhawunti db yeDeutsche Bank Ngeke ingeze izindleko zamakhadi ngonyaka wokuqala, okungukuthi, ubunikazi bamakhadi buzokhululeka ngokuphelele.
Le akhawunti iphelele ukuthola izinsizakalo ezishibhile, ngoba imali engenayo yanyanga zonke ingadonswa ngqo kuDescheche Bank's Demand Account db ukuthola izinketho ezinhle kakhulu kumaphakeji.
I-Openbank
I-Openbank Ngenye yama-akhawunti asebhange ahamba phambili emakethe anezibuyekezo ezinhle kakhulu emhlabeni. Lezi zinhlobo zama-akhawunti azinawo amakhomishini futhi akukho zindleko zensizakalo ezizongezwa ku-akhawunti. Ngaphezu kwalokho, ngeke ikubuze ukuthi uqondise ukudonswa kwemali kunoma yiluphi uhlobo lwe-akhawunti ngoba ungajabulela zonke izinzuzo ngaphandle kwalokhu futhi ngeke ikukhokhise amanye amakhomishini ngokungakwenzi lokho.
Ngenxa yale ndlela ungaba ne- Imali ekhokhwayo eqondile ekhokhwa ngabasebenzi nge-line esheshayo yesikweletu, okuthile ekugcineni okuwusizo kakhulu ukumboza noma yiluphi uhlobo lwezindleko ezingalindelekile esingaba nazo.
UNdunankulu Ithuba le-Akhawunti
Enye yama-akhawunti esiyithande kakhulu yi- UNdunankulu Ithuba le-Akhawunti kuthengiswa yiBarclays. Le ngenye yama-akhawunti asebhange anikeza izinzuzo eziningi futhi ngaphezu kwakho konke abantu abaningi abanakho njengamakhasimende, ngenxa yezinzuzo zayo ezinhle. Okuwukuphela kwento embi ngalolu hlobo lwe-akhawunti ukuthi inohlelo lokudonswa kwemali okukhokhelwa ngalo okungathatha isikhathi eside ngoba yibhange elilawula i-akhawunti yabasebenzi.
I-Akhawunti yePremier Opportunity ekhangiswa yiBarclays Kukunika ithuba lokonga kakhulu kukho konke okwenzayo ku-akhawunti ngoba ayikhiqizi izindleko noma amakhomishini wanoma yiluphi uhlobo olwengeziwe inqobo nje uma imali onayo kuyo ingaphezu kwama-euro angama-2500 noma okuthile kunenkontileka ngaphakathi kwebhizinisi kubiza ama-euro ayi-30.000. Uma kungenjalo, ngeke ube ne-akhawunti enamakhomishini ajwayelekile.
I-Akhawunti Eyisisekelo iBancopopular-e ethengisa
Amanye ama-akhawunti asebhange ahamba phambili emakethe yi I-Akhawunti Eyisisekelo imakethwa yiBancopopular-e. Le akhawunti iku-inthanethi ngokuphelele futhi inezinketho ezahlukahlukene zama-akhawunti ezitholakala kuwo wonke amakhasimende. Enye yama-akhawunti ayisisekelo athandwa kakhulu yiBancopopular-e ethengiswayo yi i-akhawunti yabasebenzi ekhokhela abanikazi bayo okufanayo ne-akhawunti enomholo.
Ibuye ikunikeze u-0,55 APR webhalansi ye-akhawunti yakho ephelele ngenyanga.
I-Basic Account ethengiswa yiBancopopular-e yi-akhawunti eyiyo ikhomishini mahhala kanye nanoma yiluphi uhlobo lwezindleko oluhambisana nekhadi lanoma yiluphi uhlobo. Ikhadi lekhasimende alikuniki izindleko ezengeziwe.
Mayelana nama-akhawunti asebhange kuphela
- Ukuhlola ama-akhawunti. Lezi zinhlobo zama-akhawunti asebhange zisetshenziswa kakhulu ngoba zinikeza ukufinyelela okulula emalini yakho futhi zinokuvikelwa okwengeziwe kwemali yakho ngoba konke kungaphathwa ngamasheke. Amakhasimende analezi zinhlobo zama-akhawunti angaba nemali yawo yokukhokha amasheke noma yiluphi uhlobo lwenkokhelo yanyanga zonke abangahle babe nayo.
Ukunconywa kwama-akhawunti kunconyiwe ngoba kuhlala kunokukhetha okuhle kwamaphakeji ngaphakathi kwamabhange ahlukile. - Ama-akhawunti wokonga. Lolu hlobo lwe-akhawunti lungenye yezintandokazi kubantu abaningi ngoba ibanikeza ithuba lokuba neyodwa yezindlela ezinhle kakhulu zokuqongelela inzalo. Lokhu kusiza amaklayenti kakhulu njengoba amanani enzalo angahlanganiswa nsuku zonke, masonto onke noma minyaka yonke. Ukuze i-akhawunti yasebhange ibe yinhle ngempela, kufanele ubuke kahle amanani wenzalo. Iningi lalezi zinhlobo zama-akhawunti linokubalwa kwenzalo okuncane onakho ku-akhawunti futhi ngokususelwa kuleyo nzalo enikeziwe. Ukuze uthole inzuzo enkulu kwi-akhawunti yakho, kufanele uqonde kahle kakhulu zonke izinzuzo nemibandela ekunika yona ukuze ube nolwazi olungcono kakhulu ngalokho okwenzayo. Ungayithokozela ne-akhawunti yakho ngokuthatha izinketho ezihlangabezana kahle nezidingo zakho njengoba wazi.
- Ama-akhawunti emakethe yemali. Lawa ma-akhawunti asebhange acishe afane nalawa esixoxe ngawo ephuzwini eledlule, kodwa-ke, ukuthola lolu hlobo lwezinzuzo, imali ekhokhwayo ye-akhawunti kufanele ibe phezulu uma siyiqhathanisa nalokho okuceliwe kwamanye amabhange; ngenkathi kuma-akhawunti okonga, lokhu akunakwa. Ngaphezu kwalokho, kulolu hlobo lwe-akhawunti amanani enzalo anikezwa ngendlela yokudiyazela, okwenza kube amanani amahle ezilinganisweni eziphakeme kakhulu.
- Ama-akhawunti ngamanye omhlalaphansi. Lawa ma-akhawunti asebhange aziwa ngokuthi ama-IRA futhi angama-akhawunti omhlalaphansi. Ngalawa ma-akhawunti, ungongelela umhlalaphansi ngezinhlelo ezikunikeza izinzuzo eziningi.
Inhloso yalezi zinhlobo zama-akhawunti ukuthi ungakwazi wonge izinzuzo ngesikhathi somhlalaphansi. Kuma-akhawunti amaningi, okungama-akhawunti asebhange amahle kakhulu emakethe, imali ingakhishwa kusenesikhathi ngaphandle kokuthola noma yiluphi uhlobo lwentela. Emasikweni nalezo ezinganconyiwe kangako, uma kudonswa i-%.
Ngamafuphi
Ukukhetha ama-akhawunti asebhange amahle kakhulu emaketheNoma, into okufanele siyikhumbule ukuthi kufanele sazi kahle ukuthi ama-akhawunti asebhange angani futhi ngaphezu kwakho konke ababophezelekile ukusinikeza khona ukuze bangasiniki okuthile okufanele basinike kona ngokomthetho.
Isikhathi esiningi, ukuze yonke into enebhizinisi ikhululeke, amaholo kumele aqondiswe futhi abe nokuzibophezela okungapheli namabhizinisi, okugcina kuholele ezinkontilekeni cishe zonke zokuphila nawo. Uma kwenzeka ukuthi amaholo angakwazi ukuxhunywa, unga finyelela ukuthengwa kwemikhiqizo ukuthi izikhathi eziningi zidlula ama-euro angama-20.000 XNUMX.
Uma sithola i-akhawunti esivumela ukuthi siguqule isimo lapho sifuna nokuthi sithathe ini asikho isidingo sokuxhumanisa amaholo noma olunye uhlobo lwemibhalo, lapho-ke sibhekene ne-akhawunti eyiyo ngoba lawa azoba ama-akhawunti asebhange amahle kakhulu emakethe.