Mvetserani banki kuti muyike bwino

Kodi tiyenera kudziwa chiyani za ntchito zamabanki ndi mabanki? M'malo mwake, kumvetsetsa kubanki sikophweka. Tndi lingaliro lomwe ndipanga m'nkhaniyi. M'malo mwake, ndi mwayi wanu kuti mudziphunzitse kuti mugwiritse ntchito bwino ndalama zanu.

Izi ndi zomwe muyenera kudziwa poyamba. Kulimbana ndi umphawi makamaka pogwiritsa ntchito ndalama. Mwamwayi, anthu ambiri masiku ano amamvetsa izi. Ichi ndichifukwa chake mabanki amalandira makasitomala ambiri omwe amapempha ntchito zawo tsiku ndi tsiku. kuti mukhale nawo pazachuma.

Komabe, muyenera kudziwa momwe mungasankhire banki yanu. Nthawi zambiri anthu sasangalala nazo sankhani akaunti yochezera kapena a akaunti yosungirako Mwachitsanzo. Pangani chisankho cholakwika akhoza kukhala okwera mtengo kwambiri.

Kuti ndikuthandizeni kuyika ndalama kapena kuyika ndalama zanu, ndikukupemphani kuti muwerenge nkhaniyi mpaka kumapeto kuti mumvetsetse momwe mabanki ndi mabanki amagwirira ntchito.

Chidule chomwe chili pansipa chimakupatsani lingaliro la zomwe zidachitika pamenepo. Koma musanayambe, apa pali maphunziro omwe amakulolani kutero Pezani 1000euros/Tsiku pa 5euros.com. Dinani apa kuti mugule

🌿 Banki ndi chiyani?

Mabanki ndi oyimira zachuma. Iwo ali ndi gawo lofunikira kwambiri lothandizira zachuma. Mabanki amagwirizanitsa anthu omwe ali ndi ndalama zambiri ndi omwe amafunikira ndalama.

Iwo amachita unyinji wa ntchito kuphatikizapo madipoziti, withdrawals, kusinthanitsa ndalama, malonda ndalama ndi kasamalidwe ka chuma.

Mwachidule, amakhala ngati ulalo pakati pa osunga ndalama ndi obwereka. Amagwiritsa ntchito ndalama zosungidwa ndi makasitomala awo kupereka ngongole kwa anthu omwe akufuna kubwereka.

🌿 Kodi banki imagwira ntchito bwanji?

Kuti ndimvetse ndimeyi, choyamba ndikufuna ndikufunseni mafunso. Kodi munayamba mwadzifunsapo kuti:

• Kodi banki yanga imachita chiyani ndi depositi yanga?
• Kodi izi zikupita pamalo otetezeka kwinakwake?
• Kodi ndidzabwezanso ndalamazi?

Yankho la mafunso amenewa ndi losavuta. Izi ndi zomwe muyenera kudziwa poyamba.

➤ Kodi banki imapanga bwanji ndalama?

Munthu akaika ndalama mu akaunti yake yakubanki, bankiyo imatha kubwereketsa ndalamazo kwa anthu ena. Ndi chimene ife timachitcha kuyimira pakati pazachuma.

Wosunga ndalama amapeza ndalama zochepa pobweza (chiwongola dzanja pa madipoziti). Wobwereketsayo pobwezera amalipira ndalama zambiri kubanki (chiwongola dzanja).

Kuti adzipezera ndalama, banki imasunga kusiyana. Nthawi zambiri ndimachita nthabwala kuti njira yachikhalidwe yopezera ndalama ndi lamulo la 3-6-3.

Ndiko kunena kuti, banki imabwereka kuchokera ndalama pa 3% (mitengo yotsika), kubwereketsa pa 6% (mitengo yapamwamba) ndikuyika m'thumba kusiyana (3%).

➤ Kodi zinthu zomwe bankiyo imagulitsa ndi ntchito zake ndi ziti?

Kusunga ndalama zambiri kunyumba kungakhale koopsa. Ngakhale mwayi uli wochepa, nthawi zonse pamakhala chiopsezo cha kutaya, kuba kapena ngakhale masoka achilengedwe.

Mukayika ndalama kubanki ya inshuwaransi, zimatetezedwa mpaka malire ololedwa. Pamodzi ndi izi zomwe banki imapereka, pali zinthu zina ndi ntchito zomwe banki imapereka. Nazi izi.

✔ Maakaunti apano

Akaunti yamakono ndi ntchito yoperekedwa ndi mabanki ambiri omwe amalola anthu ndi mabizinesi. Zomwe zili muakaunti yapano zitha kusiyanasiyana ku banki kupita kubanki.

Nthawi zambiri, wosunga akaunti amatha kugwiritsa ntchito macheke aumwini kapena abizinesi m'malo mwa ndalama kuti alipire ngongole. Maakaunti ambiri owunika amalola makasitomala kutaya ndalama zawothandizo kuchokera ku ATM.

✔ akaunti zosungira

Akaunti yosungira ikhoza kukuthandizani kuti mulekanitse ndalama zomwe mukufuna kusunga kuchokera ku ndalama zomwe muyenera kugwiritsa ntchito. Kwa ambiri, ndi njira yosavuta yokwaniritsira cholinga, monga kusunga ndalama kuti muwongolere nyumba kapena kumanga thumba lazadzidzidzi.

Maakaunti ambiri osungira amatha kusamutsa ndalama kuchokera ku akaunti yanu yochezera kupita ku akaunti yanu yosungirako mwezi uliwonse, kotero simuyenera kuganiza zopanga nokha.

Ubwino wowonjezera ndikuti mabanki nthawi zambiri amakulipirani chiwongola dzanja pamaakaunti osungirawa. Ndikuchokera ndalama "zaulere". zomwe zingakuthandizeni kukwaniritsa zolinga zanu zachuma mwachangu pang'ono.

✔ Maakaunti a msika wa ndalama

Akaunti ya msika wa ndalama ndi mtundu wa akaunti yosungira yomwe nthawi zambiri imalipira chiwongola dzanja chokwera kuposa akaunti yosungira zakale. Mukamasunga zambiri, mumapeza ndalama zambiri. Koma kumbukirani kuti chiwerengero chochotsa pamwezi ndi chochepa chifukwa cha malamulo a federal.

✔ Zikalata zosungira

Satifiketi yosungitsa ndalama ndi mtundu wa akaunti yakubanki komwe mumavomereza kusunga ndalama zanu muakaunti kwa nthawi inayake, kuyambira miyezi 6 mpaka zaka zisanu. Mukasunga nthawi yayitali, kubweza kumakwera.

Nthawi zonse mutha kusankha kuchotsa ndalama zanu kale. Komabe, pali chilango chochotsa chikalata chanu chisanathe.

✔ Maakaunti opuma pantchito

Awa ndi maakaunti anthawi yayitali opuma pantchito. Ndalama zochokera ku akauntizi zimakula mochedwa msonkho. Simungathe kupeza ndalamazo mpaka mutakwanitsa zaka zopuma pantchito popanda kulandira chilango ndi zotsatira za msonkho.

✔ Makhadi a ngongole

Khadi la debit kapena cheke khadi ikuwoneka ngati kirediti kadi. Limapereka njira ina yolipirira ndalama pogula zinthu. Ndi kirediti kirediti kadi, mutha kulipira ndalama zanu zatsiku ndi tsiku ndi swipe yosavuta (ndipo nthawi zambiri PIN yanu).

✔ Makhadi a ngongole

Khadi la ngongole limakupatsani mwayi wolipira zinthu ndi mzere wangongole. Kwenikweni, mumabwereka ndalama ndikubweza bilu ikafika.

Koma kumbukirani kuti ma kirediti kadi osiyanasiyana amalipiritsa chiwongola dzanja chosiyanasiyana, ndiye ndikofunikira kudziwa zomwe mukuvomera (kuti musapereke ndalama zambiri pakapita nthawi).

✔ Ntchito zina zamabanki

Mabungwe ambiri azachuma amapereka zambiri kuposa kungosunga ndi kuyang'ana maakaunti. Atha kupereka zida zosiyanasiyana zobwereketsa monga ngongole zaumwini, ngongole za ophunzira, ngongole zamagalimoto, makhadi a ngongole, ndi ngongole zanyumba.

Chifukwa chake, nthawi zonse dzifunseni nokha: kodi banki yanga ndi Bank Islamic kapena banki wamba? Onani nkhani yathu zofunikira za mabanki achisilamu.

🌿 Kodi banki imapereka bwanji zinthu ndi ntchito zake?

Kuti apereke ntchito ndi Zogulitsa zake, banki ili nayo njira zingapo zochitira izi. Zimadutsa m'nthambi, mabanki a pa intaneti ndi mafoni, ndi mabanki a telefoni. Tiyeni tiwunike njira izi zoperekera chithandizo chamabanki pang'onopang'ono.

➤ Ntchito zamabanki zoperekedwa ndi nthambi

Nthambi ya banki ndi malo enieni omwe mabanki anu angachite nokha. Mutha kupita kunthambi kukapeza kotala kapena cheke cha cashier chomwe mukufuna nthawi yomweyo.

Mungafune kubwereka chisefe kuti musunge zinthu zamtengo wapatali kapena zikalata zofunika.

Kapena mwina mumangokonda kulankhula ndi banki pamasom'pamaso mukakhala ndi mafunso momwe mungasankhire zogulitsa ndi ntchito zabwino pa zosowa zanu zachuma.

➤ Kupereka kwa mabanki a pa intaneti ndi mafoni

Mabanki ambiri amakulolani kuti musamalire ndalama zanu kuchokera pakompyuta kapena foni yam'manja yolumikizidwa ndi intaneti. Mabanki ena pa intaneti ndi mapulogalamu am'manja amakulolani kubanki kuchokera kulikonse pa liwiro lanu.

Ndili ndi 24/24 kufika, mutha kuchita chilichonse kuyambira pakuwongolera maakaunti angapo mpaka kulipira mabilu mpaka kusamutsa ndalama.

➤ Kupereka chithandizo chakubanki yamafoni

Mabanki ena amakulolani kubanki kudzera pa foni. Ingoyimbirani nambala yafoni ndikulankhula ndi wogwira ntchito ku banki kuti alandire chithandizo.

Ntchitozi zingaphatikizepo kuyang'ana ndalama zanu, kusamutsa ndalama, kulipira mabilu kapena zina zofunika kubanki.

Mukayimba foni kunja kwa nthawi yabizinesi yakubanki yanu, mungafunike kugwiritsa ntchito makina omwe angakutsogolereni pamasitepe ofunikira kuti mumalize ntchito zanu.

Apa ndipamene nzeru zopanga zimayamba kugwira ntchito. Onani nkhani yathu yokhudza malo anzeru zopangira bizinesi.

🌿 Mitundu yosiyanasiyana yamabanki

Pali mitundu yambiri yamabanki padziko lapansi ndipo iliyonse ili ndi cholinga chake. Dziwani mitundu ya mabanki kupezeka kwa inu ndikofunikira popanga zisankho zachuma.

Kaya mukufuna kutsegula akaunti yosungira kapena kutenga ngongole. Phunzirani za mitundu yosiyanasiyana ya mabanki ndi omwe amatumikira bwino.

➤ Mabanki azamalonda

Mabanki amalonda amatumikira anthu ndi mabizinesi. Nthawi zambiri amakhala ndi nthambi zingapo zomwe zili bwino m'derali ndipo amapereka mautumiki osiyanasiyana.

➤ Mabanki Osunga ndi Ngongole (EC)

Mabanki a EC amakhala ndi ndalama zochepa kuposa mabanki azamalonda. Nthawi zina, ntchitoyo ingakhale yabwinoko chifukwa cha kuchepa kwa makasitomala m'mabanki ang'onoang'ono.

➤ Mabanki enieni (pa intaneti)

Mabanki a Virtual onse ali pa intaneti, kotero palibe nthambi. Nthaŵi zambiri, samatumiza ngakhale ziganizo zamapepala.

Makasitomala amalandira malipoti awo pamwezi ndi imelo kuti awone kapena kuwasindikiza pa intaneti. Onani kalozera wathu ku Mabanki apaintaneti: amagwira ntchito bwanji?

➤ Makampani opangira ndalama ndi ma brokerage

Mabankiwa nthawi zambiri amapereka mabanki ochepa kwambiri okhala ndi macheke aulere kapena otsika mtengo omwe amamangiriridwa kundalama zolipidwa zamsika.

➤ Mabanki osungitsa ndalama

Mabanki osungira ndalama amagwira ntchito ngati mkhalapakati ndi alangizi kumakampani akuluakulu, maboma, ma hedge funds, ndi mabungwe ena azachuma. Amatumikira mabungwe akuluakuluwa powathandiza kusamalira ntchito zovuta zachuma.

Zina mwa ntchito zawo zazikulu ndi ku makampani othandizira kupereka maudindo kwa anthu. Amathandiziranso kupeza ndalama zothandizira kukulitsa bizinesi. Amakhalanso ndi cholinga chothandizira kuphatikiza kwakukulu ndipo nthawi zina amakhala ngati alangizi azachuma.

🌿 Momwe mungasankhire banki yomwe imakuyenererani?

Bank kapena credit union? Kodi ndisankhe banki yapaintaneti kapena banki yakuthupi? Mabanki achisilamu kapena mabanki wamba?

Pali zosankha zambiri pankhani yosankha malo oyenera azachuma. Iliyonse ili ndi ubwino wake ndi malire. Mwa kuwamvetsetsa, mutha kusankha chomwe chili chofunika kwambiri kwa inu.

M'malo mwake, kusankha banki yoyenera ndi chisankho chofunikira chandalama. Onetsetsani kuti mwamvetsetsa zonse zomwe mwasankha kubanki, malonda ndi ntchito. Komanso, ndikukupemphani kuti mufufuze zina zomwe, m'malingaliro mwanga, zimakulolani kusankha banki yabwino.

➤ Ganizirani mitundu ya maakaunti omwe mukufuna kutsegula

Kodi mumangofunika akaunti yoyang'anira kapena mukufuna kusunga? Sankhani mtundu wa maakaunti aku banki omwe mukufuna, kenako pezani banki yomwe ikupereka zomwe mukuyang'ana.

➤ Dziwani ntchito zina zoperekedwa

Anthu ena amakonda kuyang'anira ndalama zawo zonse ndi kampani imodzi. Ngati mukufuna kuchita zambiri osati kungosunga ndalama zanu kubanki, onani ngati akupereka chilichonse mwazinthu izi: akaunti ya ndalama, ngongole zanyumba ndi ngongole zina (zaumwini, galimoto, ngongole za ophunzira payekha).

➤ Yang'anani malo otsika mtengo

Simukufuna kutaya ndalama potsegula akaunti yakubanki. Tiyerekeze kuti muli ndi maakaunti atatu ndi bungwe, ndipo amalipira mwezi uliwonse pa akaunti iliyonse. Izi zitha kuwonjezera!

Ponena za chindapusa cha mwezi uliwonse, mungafunike banki yomwe ili ndi izi: Palibe milandu, Malipiro omwe mungachotse, Ndalama zotsika, Malipiro a overdraft, Ndi zina.

➤ Sankhani pakati pa banki yeniyeni ndi banki yapaintaneti

Sankhani ngati mukufuna banki yokhala ndi malo enieni kapena banki yapaintaneti. Mungakonde banki ya njerwa ndi matope ngati mungafune kulowa mnyumba ndikulankhula ndi wosunga banki pamasom'pamaso.

Koma mabanki a pa intaneti nthawi zambiri amalipira malipiro otsika ndi kulipira mitengo chiwongola dzanja chokwera.

➤ Onetsetsani kuti banki yanu ndi yopezeka

Ngati mukufuna kupita ku bungwe lanu lazachuma, yang'anani zomwe mabanki ndi mabungwe a ngongole ali nazo nthambi pafupi ndi malo anu okhala kapena ntchito. Ngati muyenda kwambiri, mungayamikire malo omwe ali ndi nthambi zambiri.

Apo ayi, mungangofuna kupita ndi zomwe zimakuchitirani inu. Ngati mumagwiritsa ntchito ATM pazinthu zambiri, onani kuchuluka kwa zomwe zilipo mdera lanu komanso ndi ndalama zingati kuti mugwiritse ntchito.

Mabungwe ambiri obwereketsa amakhala ndi ma charter amdera. Izi zikutanthauza kuti ngati mukukhala kapena kugwira ntchito mdera lomwe akutumikira, mutha kukhala membala.

Ngati mukuganiza za mgwirizano wa ngongole, onetsetsani kuti ndinu oyenerera kukhala umembala. Mabanki alibe malire kwa makasitomala awo.

Nkhani yoti muwerenge: Zomwe muyenera kudziwa zokhudza maakaunti aku banki a ana

Ngati mumakonda kugwiritsa ntchito pa intaneti kapena pa foni yam'manja mumaakaunti anu, yang'anani mawebusayiti ena a banki ndi mabungwe a ngongole. Ambiri perekani ntchito zamabanki pa intaneti ndi mafoni, koma ena akhoza kupezeka mosavuta kuposa ena.

➤ Ganizirani za mtundu wa banki: Chisilamu kapena wamba

Ngati mukufuna kuchita zinthu zopanda chiwongola dzanja, sankhani mabanki achisilamu. Ndi mabanki omwe amagawana nawo chifukwa amagawana zotayika ndi phindu ndi makasitomala awo. Iwo ndi osiyana kotheratu ndi momwe amagwirira ntchito. Zoona zake n’zakuti chuma cha Chisilamu chili ndi mfundo zake.

🌿 Chidule…

Pomvetsetsa bwino momwe mabanki amagwirira ntchito ndi ndalama zosiyanasiyana, mudzatha kuyika ndalama ndi chidziwitso chonse komanso konzekerani zinthu zanu modekha. TZonse ndi kulinganiza kubweza, chiwopsezo ndi momwe mungasungire ndalama potengera zolinga zanu. 🎯

Ndiye, kodi mwakonzeka kuyamba ulendo wandalama? Ndibwino kuti muteteze tsogolo lanu lazachuma! 💪💸Chonde ndipatseni ndemanga zanu kuti muwongolere positi iyi. Khalani ndi tsiku labwino !

Musananyamuke, apa pali maphunziro omwe amakuphunzitsani momwe mungagulitsire malangizo pa intaneti. Dinani apa kuti mugule.

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