Yini ama-akhawunti akhokhelwayo?
Una akhawunti ikhokhwe kungachazwa njenge- umkhiqizo wezezimali lokho kusekela ukusebenza kwayo ekubekeni inani elithile ebhange noma ebhizinisini esizothola ngalo i- inzalo isivuno ethize yokuthi imali yethu ifakwe lapho. Lezi zinhlobo zama-akhawunti zinikela nge- unethuba lokukwazi ukukhipha imali yakho (khipha imali, dlulisa njll.) Kepha akuyona yonke into eyizimbali, ngoba inzuzo ephansi abayinikezayo iyinkinga enkulu.
Ukukhetha ama-akhawunti akhokha kakhulu kunemigomo ethile eyisisekelo esebenza, phakathi kwayo okulandelayo kugqama:
- Ukuzuza Kufanele ufune i-akhawunti ekhokhelwayo enikeza inzalo ephezulu yemali oyifakayo. Ngalokhu kufanele uqhathanise izinzuzo ezinikezwa ngamabhange.
- Ukwenza inzuzo ngokuhamba kwesikhathi. Ngokufanelekile, khetha i-akhawunti ekhokhelwe egcina ukubuyiselwa okuphezulu kakhulu kunakho konke. Njengoba ngokujwayelekile lolu hlobo lwemikhiqizo yezezimali lubonakala ngokunikela ngenzuzo ephezulu ezinyangeni zokuqala ukubamba ukunaka kwekhasimende nokusebenza okuncane kakhulu ezinyangeni ezilandelayo.
- Inzalo. Ukukhokhelwa kwenzalo kusetshenziswa ibhalansi emaphakathi. Yingakho, uma ukukhokhelwa kwenziwa njalo ngenyanga, inzalo eqongelelwe isetshenziswa kubhalansi yenyanga ejwayelekile futhi imali yethu izokhula inyanga nenyanga.
- Amakhomishini.Zama ukugwema ukubekwa kwamakhomishini afana nokugcinwa noma ukuphathwa. Ngokuphakama kwalawa makhomishini, inzuzo iphansi futhi sizothola imali ethe xaxa yokonga kwethu.
- Izinsizakalo ezihambisanayo. Enye yezinzuzo ezinkulu zama-akhawunti akhokhelwayo ukuthi ikunikeza ithuba lokuba nezimali zakho. Isizathu sokuthi kungani, kufanele sinake kakhulu lokho ibhange elizokukhokhisa ngokwenza izinqubo, njengokudlulisa noma ukukhipha imali.
- Ungaxhumanisi amakhadi esikweletu noma ukukhokha ngqo. Labo abafuna umkhiqizo wokonga ku-akhawunti ekhokhelwayo kufanele bagweme lesi sixhumanisi. Ukwenza imali ngqo nokukhokha sekukhona eminye imikhiqizo emakethe, futhi uma kumayelana nokonga, ukukhokha izikweletu zakho ngeke kube yindlela engcono kakhulu.
Thola ifayela le- inzuzo engcono ukungabi nabungozi sekuwumsebenzi onzima kakhulu kubathengi. Kepha-ke kubhalwe phansi izinketho eziyi-10 ezinhle kakhulu ezinenzuzo engcono yama-akhawunti akhokhelwayo.
Uhlu olulandelayo lukhombisa ukuthi ama-akhawunti akhokhelwayo okunikelwe ngamabhange kusukela ngo-Ephreli 2017.
I-TOP 10 yama-akhawunti akhokhelwa kakhulu eSpain:
I-akhawunti 1 | 2 | 3 ye-Banco Santander
I-Banco Santander
- Ukubuyiselwa kwemali okufika ku-3% wezikweletu eziqondile zedebithi
- Ukudluliselwa kwamahhala
- I-Akhawunti Yokukhokha ngo-5% APR
- I-3% APR ngaphandle komkhawulo wesikhathi
I-akhawunti yasebhange
Ibhange Lasebhange
- Ukubuyiselwa imali okungu-2% ekuthengeni kwakho kwezitolimende
- Imali ekhokhelwa kusengaphambili ifinyelela ku- € 6.000
- 5% APR unyaka wokuqala
- Awekho amakhomishini
Ukubalwa okungu-360º
ICajamar Bank
- Ayikho imali yesondlo
- Siyakwamukela Akhawunti
- Kuze kufike ku-3% APR, kuya ngezimo
I-akhawunti ye-Openbank
I-Openbank Bank
- Ngaphandle unomphela
- Awekho amakhomishini
- I-1,75% NIR izinyanga ezintathu
- Kufika ku-0,40% NIR kusuka enyangeni yesi-4
I-Akhawunti Eyodwa
I-Mediolanum Bank
- Awekho amakhomishini
- Amakhadi wamahhala
- I-1,75% NIR izinyanga ezintathu
I-akhawunti ye-ING Direct Orange
ING Direct Bank
- Ukusebenza oku-inthanethi okungu-100%
- Awekho amakhomishini
- 1,00% APR izinyanga ezimbili
- 0,10% APR kusuka enyangeni yesi-3
I-Akhawunti Yokonga ye-WiZink
I-WiZink Bank
- Alikho inani eliphansi
- U-0,50% APR
- Idiphozithi ehlotshaniswa ne-0,75% APR
- Awekho amakhomishini
I-akhawunti Ye-Coinc
Coinc Bank
- 4% isipho ku-Amazon.com
- Awekho amakhomishini noma ukubopha
- U-0,30% APR
- € 15 isipho lapho ubhalisa
I-Akhawunti Evo Ehlakaniphile
Ibhange i-Evo
- Ama-ATM wamahhala ngaphandle kwezindleko kulo lonke elaseSpain nasemhlabeni wonke
- Awekho amakhomishini
- 0,30% APR ku-akhawunti yokonga
- Isaphulelo esingu-2% ku-GALP
I-Akhawunti Yediphozithi Okuningi
I-Direct Office Bank
- 1% APR, izinyanga zokuqala ezine
- Awekho amakhomishini
- Ngenyanga yesi-5, u-0,40% we-APR
Ngisho ne isimo samanje sezomnotho eSpain, ngenzalo ephansi emlandweni emakethe, kunama-akhawunti akhokhelwayo anikeza wonke amaklayenti abo inzuzo efinyelela ku-5% APR, i-Bankinter iyona enikeza lo mholo futhi ithatha isikhundla sesibili ekuklelisweni kwenye inyanga elandelanayo ngenxa umholo wayo okhangayo.
Ngokufanayo, isikhundla sokuqala sithathwa yi-Akhawunti 123 yeBanco Santander, ngoba, ngaphandle kokunikeza inzuzo ephansi kuneBankinter, ayinaso umkhawulo wesikhathi. Ngaphezu kwalokho, ibhalansi ephezulu ezokhokhwa ngama-euro ayi-15.000, ngenkathi iBankinter ikukhawulela kuma-euro ayizi-5.000 XNUMX.
Ngakolunye uhlangothi, i-akhawunti engu-360º yebhange laseCajamar, esesikhundleni sesithathu, inikela ngenzuzo engama-3%, iyimise njengenye yezindlela ezingcono kakhulu emakethe.
Ikota yokugcina yanyakenye yowezi-2016 nokuqala kwalo nyaka, sekunikeze ushintsho oluphelele ezimeni ezisungulwe ngama-akhawunti akhokhelwayo okulawula imakethe. Lokhu akukuhle kakhulu kulabo abafuna ukugcinwa kwemali yabo ukuze bathole inzalo enkulu.
Umonakalo uqala ukukhipha abasebenzisi. Isibonelo salokhu yi- inzuzo ye-ING Direct Orange Account eyehle isuka ku-0,2% yaya ku-0,1% futhi ibhizinisi liyekile nokuxhasa zonke izikweletu ebezidonswa ngqo. Yini enye, i-Akhawunti ye-Self Bank inciphise inzuzo yayo kusuka ku-0,30% kuya ku-0,15%, uhhafu womkhiqizo wayo. Ngokwengxenye yayo, i-Coinc Account ibe ngeyokugcina ukuhambisa izibalo zayo futhi yehlisa inzuzo yayo isuka ku-0,7% yaya ku-0,3% kusukela ngoMashi odlule.
Namanye amabhange ane abafana abaphezulu Ngokwesilinganiso, i-Openbank ngokwesibonelo izokwehlisa inzuzo ye-akhawunti yakho isuke ku-0,50% iye ku-0,40%. Iminyakazo ejoyina eyokugcina eyenziwe ngonyaka owedlule ngamanye amabhizinisi, lapho iWizink (iBanco Popular) yehlisa inzuzo ye-Akhawunti yayo Yokonga isuka ku-0,75% yaya ku-0,5%, kanye nalapho iBanco Santander idale ukuvukela ngokuguqula amakhomishini we-Akhawunti yakho 1,2,3 , XNUMX, evame ukukhethwa ngabantu njengehamba phambili.
Yini eyaba ngama-akhawunti asebhange akhokha kakhulu ngaleso sikhathi?
Ngaphezulu kuka-0,5%. Kusekhona ama-akhawunti ambalwa okunikezayo I-APR iyabuya ngenhla kuka-0,5% akukho okumele ukhathazeke ngakho, kufanele wazi ukuthi ungayikhetha kanjani inketho yezidingo zakho.
USantander uyaqhubeka nokuhola imakethe ye- ama-akhawunti akhokhelwayo, ngomholo ophakathi kuka-0,56% no-2,67% we-APR, kanye nezinzuzo ezinikezwa iklayenti ngaphezu komholo omuhle. Ngenkathi i-Akhawunti ye-Evolution ye-Mediolanum ifinyelela ku-1,41%. Inzuzo ukuthi yibo bodwa abasezingeni lomkhiqizo ohamba phambili, ababuyisa ingxenye elinganayo yenani lamarisidi.
-Izici zokubekisa. Njengakho konke, kuhlale kunengxenye enhle kakhulu yohlamvu lwemali, iMediolanum ivimbela lokhu kunikezwa kulawo maklayenti anomkhiqizo ophethwe yibhizinisi onenani eliphansi lama-euro ayi-15.000.
Ngalokho, I-akhawunti 1,2,3 ikuphoqa ukuthi ushade nebhange, nemali eholelwa ngqo, kanye namarisidi akho futhi usebenzise okungenani ama-6 njalo ezinyangeni ezi-3 noma yimaphi ama-akhawunti onawo, uphoqa amaklayenti abo ukuthi abe nakho konke, kepha hhayi into embi, ngokuthile okuhamba phambili kulo mkhakha.
-Kumakhasimende amasha, Kulomhlaba wokuncintisana wama-akhawunti akhokhelwayo, kungabonakala kuyinkimbinkimbi kulabo abeza ebhange okokuqala besengathola izinzuzo ezivela kwezinye izikhathi ngendlela emangalisayo.
Kepha ezimweni eziningi imigomo imifushane kakhulu, yingakho kufanele kubhekwe izinto ezahlukahlukene ukukhetha inketho engcono kakhulu yokonga imali yakho. Okukhanga kakhulu kulesi simo imvamisa kungukuthi I-Akhawunti ye-Banco Bankinter Payroll, ukuthi okungenani kuze kube nguDisemba 31 inikeza umholo we-5% APR ngonyaka wokuqala no-2% APR phakathi nowesibili.
Ukushintshanisa le nketho enhle, ibhalansi ephezulu ekhokhelwa ama-euro angama-5.000 kuphela, kepha, noma kunjalo, kukhiqiza kakhulu kubantu abafuna ukungena kuleli zwe lama-akhawunti akhokhelwayo ukukhetha le ndlela, ngoba imvamisa inenzuzo yeminyaka yokuqala , ukudala imali eyanele yokucabanga ngezinye izinketho.
Umbuzo ongase uzibuze wona ukuthi ngabe manje yisikhathi esihle sokuqala ukusebenzisa i-akhawunti ekhokhwa ngamanani wenzalo yamanje. Yonke iYurophu futhi ikakhulukazi ISpain ibhekene nesikhathi sentshisekelo ephansi kakhulu, okungathandeki kwabaningi ukungena kulo mkhakha wezezimali, ngaphezu kwalokho, umholo omningi awulindelekile kuma-akhawunti angenabo ubungozi obufana nalobu.
Ukunikezwa okuhle kakhulu kungashintshwa ngaphandle kwesaziso, ngokuncishiswa kwenzalo abayinikezayo, ngakho-ke kuyindlela enhle yokonga nokuthola imali ethile, kepha hhayi okungcono kakhulu ukwenza imali enkulu noma iphile ngayo, ngenxa yengozi encane leyo emele iklayenti, kulo mhlaba okwamanje kwezomnotho, lowo ongazibeki engozini akaphumeleli.