Ukufuna imbuyiselo engcono kwi-akhawunti yamanje ngesinye sezizathu esidala ukuthi abanye abasebenzisi bamabhange baye kokunikezwayo kulo mkhiqizo wokonga emazweni aseYurophu. Amanye ama-akhawunti eza ukunikeza amaklayenti abo isilinganiso senzalo esimaphakathi kuka-0,50%, okungukuthi, cishe iphesenti lephesenti ngaphezulu kwama-akhawunti kazwelonke. Kodwa-ke, kwamanye amaphrofayili amakhasimende bacabanga ukuthi bangenza kanjani le nqubo ngendlela esemthethweni ukuze bangabi nayo noma yiluphi uhlobo lwezehlakalo ezisemthethweni nokuncane kakhulu kwezemali. Yebo, kufanele kucaciswe ukuthi ukubhalisela i-akhawunti phesheya kuyinto elula kakhulu ukuyenza ibe semthethweni uma kuhlangatshezwana nezidingo zokuphatha.
Empeleni, ukuvula i-akhawunti phesheya kungakunika izinzuzo ezithile kumikhiqizo noma izinsizakalo ongene kuzo. Nabanye amamejini wokulamula lokho kungabonakala kuthuthuka ngamaphesenti ambalwa eshumini kunamamodeli kazwelonke. Ikakhulu maqondana nokunikezwa kwenkontileka kwama-akhawunti abizwa ngemiholo ephezulu. Ngoba impela, kwamanye amazwe, kufaka phakathi amanye asendaweni ye-euro, baveza inani lenzalo okungenani elinomusa kakhulu kunalawo akhona ezinkampanini zebhange zikazwelonke.
Kunoma ikuphi, inkinga enkulu abasebenzisi abangaba nayo ukuthi yenziwa kanjani ibe semthethweni inqubo yokuvula i-akhawunti phesheya. Ukuze le nto ilungiswe, akukho okungcono kunokukunikeza umhlahlandlela omncane ezinyathelweni okufanele uzithathe kusukela manje ukuze ukwazi ukwanelisa lesi sifiso ebudlelwaneni bakho nezwe lemali. Ukuze ngale ndlela, ube namathuba amakhulu okuba ibhalansi ye-akhawunti yakho yokonga ibe namandla kakhulu unyaka nonyaka. Okungenani ungazama ngoba Awunalutho olulahlekelayo nokusetshenziswa kwaleli su lokubhanga. Kungakufanele ukuzama manje.
Khetha ukuhlola i-akhawunti
Inkinga enkulu ezokwenziwa yile nqubo ukukhetha i-akhawunti yokonga evumelana kahle nephrofayili yomfakisicelo ngoba inani elikhulu lokunikezwa elikhona phesheya futhi athuthukiswa ngaphansi kwezindlela ezahlukahlukene zamabhange (ezokukhuthaza, ukusebenza okuphezulu, ezixhumene nemali etholakalayo, njll.). Enye yezinto okufanele ibonwe ngaphambili ukuthi ngeke kube khona okunye abangakwenza ngaphandle kokwenza ukushintshaniswa kwemali ekusebenzeni, uma izwe elikhethiwe lingekho ngaphakathi kwendawo ye-euro.
Ngakolunye uhlangothi, le nhlangano yasebhange iphethe ikhomishini yokunyakaza kwemali engakwazi khuphukela ku-1% kunani elinikelwe. Ngakolunye uhlangothi, kuzodingeka ukuthi kuhlaziywe ukuthi ngabe kuzonxephezela ngempela yini ukwenza lokhu kukhishwa kwemali kunikezwe inzuzo emenyezelwe yibhange elisha. Akumangalisi ukuthi inzuzo entsha abazokunikeza yona ingahle ingakufanele ngenxa yezinyathelo zokuphatha okufanele uzenze zibe semthethweni kusukela manje kuqhubeke. Kunoma ikuphi, kuzoya ngentshisekelo yakho kanye nokuthi bakunikeza ini phesheya.
Memezela ukusebenza
Ukwenziwa ngokusemthethweni kwe-akhawunti yamanje engaphandle kwemingcele yethu kudinga ukuthi imali etholwayo iboniswe esitatimendeni semali esilandelayo. Lesi ngesinye sezimo eziyisisekelo zokuvula i-akhawunti phesheya ngendlela ehlelekile futhi ngaphezu kwakho konke ngokuhambisana ne- Izibopho zezimali. Ukuze ngale ndlela, umnikazi ofanayo abe sesimweni sokulawula ukunyakaza kwabo kwamabhange ngaphambi kokuhlolwa ngabaphathi bezentela. Kunoma ikuphi, kungumsebenzi olula ukuwenza lapho konke okumele ukwenze ukuhlinzeka ngemibhalo ekhishwe yibhange elisha lapho kuye kwagcinwa khona imali.
Ukukhathazeka ngebhalansi ye-akhawunti yakho
Kubaluleke kakhulu ukwazi ukuthi ibhalansi ye-akhawunti yamanje evulwe kwelinye izwe yeqa imikhawulo esungulwe kumholo, ku I-50.000 euro. Ngoba uma kungenjalo, ubunikazi be-akhawunti akufanele baziswe kuziphathimandla zentela. Kepha uma bedlula la ma-margins wemali, abasebenzisi ngeke babe nenye indlela ngaphandle kokuyiveza esitatimendeni semali engenayo. Akunamkhawulo maqondana nebhalansi emaphakathi eyethulwe yi-akhawunti yokonga phakathi nonyaka wezimali. Ngoba uma le nqubo ingekho emthethweni, kutholwa ubugebengu bentela obuhambisa izinhlawulo ezisindayo kubaphulimthetho.
Thumela yonke imibhalo
Izinqubo zokuphatha zibaluleke kakhulu ukuzola ngaphambi kokuhlolwa kwentela. Ukuze wenze lokhu, kuzodingeka uthumele imininingwane emayelana nemvelaphi yemali efakwe ku-akhawunti phesheya. Bangakwazi ngisho, uma abaphathi bengacacisanga kahle mayelana ukuhlonza le minikelo yezomnotho, funa isitatimende semali engenayo seminyaka emine edlule. Ukuze ekugcineni iklayenti lingakhathazeki ngokuthatha inhlokodolobha yalo iye kwenye indawo okungeyona eyayo.
Ukwazi ngaso sonke isikhathi ukuthi lolu hlobo lwe-akhawunti kufanele lwenziwe ngaphansi kwezimo ezifanayo nezwe lakho. Kufanele unikeze umazisi wakho kazwelonke noma ipasipoti futhi ngeke kudingeke ukuthi ube nendawo yokuhlala ngaphandle kwemingcele yethu. Ngaphezu kwalokho, ngenxa yobuchwepheshe obusha, yonke le nqubo ingenziwa online, ngokunethezeka kusuka ekhaya futhi ngaphandle kokuya emagatsheni asebhange.
Ukuhlola izindleko ze-akhawunti
I-akhawunti yokuhlola ingumkhiqizo cishe wonke amaklayenti angene enkontilekeni ngoba kuyindlela eya engxenyeni enhle yemisebenzi yasebhange. Njengethuluzi lokuba nekhadi lesikweletu noma lasebhange, dlulisela kubantu besithathu noma ukuthola imali ekhokhelwayo njalo ngenyanga. Kodwa-ke, uma ingekho emakhomishini ngokusemthethweni, ngeke kube khona okunye abangakwenza ngaphandle kokukhokha ezinye izindleko ezitholwe ekusetshenzisweni kwayo. Zingaphakama kunalokho abasebenzisi abacabanga ekuqaleni futhi kunoma ikuphi kungabandakanya a Ukukhishwa kwama-euro angaphezu kwe-100. Ucwaningo lwenhlangano yabathengi lwembula ukwehluka okufika kuma-euro angama-250 ngonyaka kuya ngebhizinisi elikhiphayo.
Ngalesi sizathu, kubaluleke kakhulu ukuthi ngaphambi kokusayina inkontileka ye-akhawunti, umsebenzisi aziswe ngamakhomishini anikwe amandla nokuthi asebenza kuphi ebhange. Ukuze ekuqaleni ube sesimweni sokuhlela izindleko zakho nokuthi yimaphi amasu okufanele uwasebenzise ukunciphisa lezi zinkokhelo akhawunti minyaka yonke. Izosebenza njengomthombo ofanele wokuhlaziya ukukhetha i-akhawunti yamanje engcono kakhulu emkhakheni wamabhange ngokuya ngemikhuba yakho nephrofayili njengomsebenzisi kulesigaba semikhiqizo yezezimali.
Izinkokhelo ze-overdraft
Noma ngabe iyiphi i-akhawunti ebhalisiwe, kunenkokhelo okungekho mnikazi angayisusa, noma ngabe iqashwe mahhala kumakhomishini nezinye izindleko kubaphathi bayo. Yilelo elibhekisa kumakhomishini ngokuba senombolweni ebomvu ku-akhawunti futhi esatshwa kanjalo inhlawulo yakho ephezulu. Ngokusebenzisa nje imali eningi kunaleyo esinayo, izikhungo zezezimali zingakhokhisa nsuku zonke ukuthi lo mkhiqizo wembuliwe. Ngokujeziswa okuphindwe kabili esikudalula ngezansi.
IKhomishini ebhalansi yemali: yiphesenti elisetshenziswa kunani eliphakeme kakhulu elitholwe ezikhundleni zabakweletwayo. Isilinganiso salo cishe sibe ngu-4,50%, yize kwesinye isikhathi amabhange ngokwawo asuselwa enkokhisweni encane engekho ngaphansi kwama-euro angama-20. Inzalo esikweletini: yinani elisetshenziswayo esikhathini sesikweletu futhi elingaholela emalini ekhokhiswa yibhange ukuthi ibe ngaphezulu kunaleyo ebicatshangwa ngumsebenzisi ekuqaleni. Lokhu kungenxa yokuthi ibhalansi yedebithi iyanda ezinsukwini lapho i-overdraft yenzeka khona futhi engafinyelela amazinga wenzalo asondele ku-10%.
Amakhadi, amasheke nokudluliswa
Eminye imisebenzi yasebhange evame kakhulu lapho izinhlangano zezezimali zikhokhisa imali ekhokhiswayo ephezulu kumakhasimende azo yilezo ezihlobene namakhadi esikweletu noma asebhange nokudluliswa. Kowokuqala wabo, kusetshenziswa amakhomishini wokulungisa nokuvuselela lokho ziba phakathi kwama-euro angama-20 kuye kwangama-40 minyaka yonke, kuya ngemodeli ebhalisiwe nebhizinisi elikhiphayo eliphethe ukumaketha. Vele, ngaphandle kokuthi abanikazi baqondise amaholo abo noma imali engenayo ejwayelekile noma bathenge ngalezi zindlela zokukhokha ngaphezu kwenani elishiwo amabhange.
Ukudluliswa kwemali yasebhange namadiphozithi wesheke, ngakolunye uhlangothi, ngomunye umthombo obika izindleko ezingaguquki minyaka yonke. Mayelana nomkhiqizo wesibili wemikhiqizo yasebhange, ithwala izindleko eziyi-0,3% yenani, ubuncane bama-euro angama-3 inkokhiso ngayinye, kanti ekusebenzeni kwamazwe omhlaba inyukela kuma-7,5%. Mayelana nokudluliswa kwamabhange, bethula amakhomishini ka-0,50% uma enziwa ekhawunteni futhi eshibhile nge-Intanethi, cishe i-0,30%. Ngenkathi ngakolunye uhlangothi, lezo ezibonakala ziphuthuma zingakhuphukela ku-1%, cishe eziphindwe kabili kunokunyakaza okujwayelekile. Cishe kuzo zonke izimo, bakhiqiza izindleko okungekho okunye abangakwenza ngaphandle kokukhokha.