Nzwisisa bhanga kuti mari iri nani

Chii chatinofanira kuziva nezvemabhangi nemabhangi masevhisi? Kutaura zvazviri, kunzwisisa kubhengi hakusi nyore. Tipfungwa yandichagadzira munyaya ino. Muchokwadi, mukana wekuti iwe uzvidzidzise iwe kuitira kuti uise mari yako zvirinani.

Hezvino zvaunofanira kutanga waziva. Kurwisana nehurombo kunyanya kuburikidza nekubatanidzwa kwemari. Nenzira yakanaka, vanhu vazhinji nhasi vakanzwisisa izvi. Ichi ndicho chikonzero mabhanga mazuva ese achigamuchira vatengi vakawanda vanotsvaga masevhisi kuti ubatanidzwe mune zvemari.

Nekudaro, iwe unofanirwa kuziva nzira yekusarudza bhangi rako. Vanhu kazhinji havafariri zvakanyanya sarudza account yekutarisa kana a savings account Semuyenzaniso. Ita sarudzo isiriyo inogona kudhura zvakanyanya.

Kuti ikubatsire kuisa mari kana kuisa mari yako zvirinani, ndinokukoka kuti uverenge chinyorwa ichi kusvika kumagumo kuti unzwisise mashandiro anoita bhangi nemabhanga.

Pfupiso iri pazasi inokupa iwe pfungwa yezvakagadzirwa ipapo. Asi usati watanga, heino kumwe kudzidziswa kunokubvumira kuti udaro kuwana 1000euros/Zuva pa5euros.com. Dzvanya pano kuti uitenge

🌿 Bhangi chii?

Mabhanga ari vatsigiri vezvemari. Vane basa rakakosha rekuita mukutsigira hupfumi. Mabhangi anobatanidza vanhu vane mari yakawandisa nevaya vanoda mari.

Vanoita mabasa mazhinji anosanganisira deposits, withdrawals, currency exchange, currency trading and hupfumi management.

Muchidimbu, vanoita semubatanidzwa pakati pevanoisa mari nevanokwereta. Vanoshandisa mari dzakaiswa nevatengi vavo kupa zvikwereti kune vanhu vanoda kukwereta.

🌿 Bhangi rinoshanda sei?

Kuti tinzwisise ndima iyi, ndinoda kutanga ndakubvunzai mimwe mibvunzo. Wakambozvibvunza here:

• Bhangi rangu rinoita sei nedhipoziti yangu?
• Izvi zviri kuenda mune imwe safe here?
• Ndichazomboiwana here mari iyi?

Mhinduro kumibvunzo iyi iri nyore. Hezvino zvaunofanira kutanga waziva.

➤ Bhengi rinoita sei mari?

Kana munhu akaisa mari muakaundi yake yekubhangi, bhanga rinogona kukweretesa mari iyoyo kune vamwe vanhu. Ndizvo zvatinodaidza kupindirana kwemari.

Mutengi anoisa mari anowana mari shoma mukudzoka (mubereko pamadhipoziti). Mutengi anokweretesa mukudzoka anobhadhara mari yakawanda kubhangi (mubereko wechikwereti).

Kuti azviwanire mari, bhangi rinochengeta musiyano. Ndinowanzoseka kuti iyi nzira yechinyakare yekuita mari ndiwo mutemo we3-6-3.

Kureva kuti bhanga rinokwereta kubva mari pa3% (yakaderera mitengo), ichikweretesa pa6% (yakakwirira mitengo) uye kuisa muhomwe mutsauko (3%).

➤ Ndezvipi zvigadzirwa nemasevhisi ebhangi?

Kuchengeta mari yakawanda pamba kunogona kuva nengozi. Kunyange kana mikana yakaderera, pane nguva dzose njodzi yekurasikirwa, kuba kana kunyange njodzi dzinongoitika dzoga.

Paunoisa mari mubhangi rine inishuwarenzi, inodzivirirwa kusvika painobvumidzwa. Padivi pechipo ichi chinopihwa nebhangi, kune zvimwe zvigadzirwa uye masevhisi anopihwa nebhangi. Heano ivo.

✔️ Current accounts

A account yazvino ibasa rinopihwa nemabhangi mazhinji rinobvumira vanhu nemabhizinesi. Matemo nemamiriro eakaundi azvino anogona kusiyana kubva kubhangi nebhangi.

Kazhinji, muchengeti weakaundi yekutarisa anogona kushandisa cheki yemunhu kana yebhizinesi panzvimbo pemari kubhadhara zvikwereti zvavo. Maakaundi mazhinji ekutarisa anobvumira vatengi kutora mari yavo parubatsiro kubva kuATM.

✔️ maakaundi ekuchengeta

A saving account inogona kukubatsira kuparadzanisa mari yaunoda kuchengetedza kubva pamari yaunoda kushandisa. Kune vakawanda, inzira iri nyore yekuzadzisa chinangwa, sekuchengetedza kuvandudza imba kana kuvaka homwe yechimbichimbi.

Maakaundi akawanda ekuchengetedza anogona kuendesa mari kubva kuaccount yako yekutarisa kuenda kuakaundi yako yekuchengetedza mwedzi wega wega, saka haufanirwe kumbofunga nezvekuzviita iwe pachako.

Imwe bhenefiti ndeyekuti mabhanga anowanzo kukubhadhara mubereko pamaakaundi ekuchengeta aya. Inobva "yemahara" mari izvo zvinogona kukubatsira kuzadzisa zvinangwa zvako zvemari nekukurumidza zvishoma.

✔️ Maakaundi emusika wemari

A account market market is rudzi rweakaundi yekuchengetedza iyo inowanzobhadhara mareti emubereko akakwira kupfuura akaundi yakare yekuchengetedza. Paunochengeta zvakanyanya, ndipo paunowana zvakawanda. Asi yeuka kuti huwandu hwekubvisa pamwedzi hushoma nekuda kwemitemo yemubatanidzwa.

✔️ Zvitupa zvedhipoziti

Chitupa chedhipoziti imhando yeakaundi yekubhangi kwaunobvuma kuchengeta mari yako muakaundi kwenguva yakati, kubva kumwedzi mitanhatu kusvika kumakore mashanu. Kurebesa kwaunochengeta, ndiko kuwedzera kwekudzoka.

Iwe unogona nguva dzose kusarudza kubvisa mari yako kare. Nekudaro, pane chirango chekubvisa pamberi pekupera kwechitupa chako chedhipoziti nguva.

✔️ Maakaundi emudyandigere ega

Aya ndiwo maakaundi ekuisa mari pamudyandigere kwenguva refu. Mari inowanikwa kubva kumaakaundi aya inokura mutero-wakadzoserwa. Iwe haugone kuwana mari yacho kusvika wasvika zera rekurega pasina kuunza zvirango uye mhedzisiro yemutero.

✔️ Madhibhiti makadhi

Kadhi rechikwereti kana cheki kadhi rinoita sekiredhiti kadhi. Inopa imwe nzira yekubhadhara kune mari paunenge uchitenga. Nekadhi rechikwereti, unogona kubhadhara mari yako yezuva nezuva nekutsvaira kuri nyore (uye kazhinji PIN yako).

✔️ Makadhi echikwereti

Kadhi rechikwereti rinokubvumira kubhadhara zvinhu nemutsara wechikwereti. Chaizvoizvo, iwe unokwereta mari uye wozoidzorera kana bhiri rasvika.

Asi yeuka kuti makadhi echikwereti akasiyana anochaja mibairo yakasiyana, saka zvakakosha kuti uzive zvauri kugamuchira (kuitira kuti usabhadhara zvakanyanya munguva refu).

✔️ Mamwe mabasa ekubhengi

Mazhinji masangano emari anopa zvinopfuura kungochengeta uye kutarisa maakaundi. Vanogona kupa akasiyana maturusi ekukweretesa senge zvikwereti zvemunhu, zvikwereti zvevadzidzi, zvikwereti zvemotokari, makadhi echikwereti, uye zvikwereti.

Saka, gara uchizvibvunza: bhangi rangu a Bhanga reIslam kana bhangi rakajairwa? Tarisa chinyorwa chedu pa izvo zvemabhanga echiIslam.

🌿 Bhangi rinopa sei zvigadzirwa nemasevhisi ayo?

Kupa masevhisi ayo uye Zvigadzirwa, bhangi rine nzira dzakawanda dzokuzviita. Inopinda nemapazi, online uye mobile banking, nekubhenga kwenhare. Ngationgororei nzira idzi dzekupa masevhisi ekubhengi nhanho nhanho.

➤ Mabasa ekubhanga anopiwa nebazi

Bazi rebhangi inzvimbo chaiyo iyo kubhengi kwako kunogona kuitwa iwe pachako. Iwe unogona kuenda kubazi kune roll yekota kana cheki ye cashier yaunoda ipapo ipapo.

Ungada kurenda sefa kuti uchengete zvinhu zvinokosha kana magwaro anokosha.

Kana kuti pamwe unongoda kutaura nemubhengi pachako kana uine mibvunzo nezve nzira yekusarudza zvigadzirwa nemasevhisi akakodzera nokuda kwezvido zvako zvemari.

➤ Kupihwa kwepamhepo uye nharembozha dzebhangi

Mabhangi mazhinji anobvumidza iwe kubata mari yako kubva pakombuta kana smartphone yakabatana neinternet. Mamwe mabhengi epamhepo uye nharembozha anotendera iwe kubhenga kubva chero kupi zvako nekumhanya kwako wega.

Uine 24/24 kuwana, unogona kuita zvese kubva pakubata akawanda maakaundi kusvika pakubhadhara mabhiri kusvika pakuendesa mari.

➤ Kupa rubatsiro rwekubhengi parunhare

Mamwe mabhanga anobvumidza iwe kubhengi nefoni. Ingofonera nhamba yefoni uye taura nemushandi webhangi kuti agamuchire masevhisi.

Aya masevhisi anogona kunge ane chekuita nekutarisa bhangi rako, kuendesa mari, kubhadhara mabhiri kana zvimwe zvinodiwa zvekubhanga.

Kana iwe ukafona kunze kwemaawa ebhizinesi ebhangi rako, ungangoda kushandisa otomatiki system iyo inokutungamira kuburikidza nematanho anodiwa kuti upedze kutengeserana kwako.

Apa ndipo chaipo panopinda hungwaru hwekugadzira. Bvunza chinyorwa chedu pamusoro penzvimbo yehungwaru hwekugadzira mubhizinesi.

🌿 Iwo akasiyana marudzi emabhangi

Kune marudzi akawanda emabhanga munyika uye rimwe nerimwe rine chinangwa chayo. Ziva marudzi emabhanga kuwanikwa kwauri kwakakosha pakuita sarudzo dzemari.

Kunyangwe iwe uchida kuvhura saving account kana kutora chikwereti. Dzidza nezvemhando dzakasiyana dzemabhangi uye kuti ndiani wavanoshanda zvakanyanya.

➤ Mabhanga ezvokutengeserana

Mabhangi eCommerce anoshandira vese vanhu uye mabhizinesi. Vanowanzove nemapazi akati wandei anowanikwa munzvimbo uye anopa huwandu hwakawanda hwesevhisi.

➤ Savings uye Mabhangi eChikwereti (EC)

Mabhangi eEC anowanzo kuve ane mubhadharo wakaderera pane mabhangi ekutengesa. Mune zvimwe zviitiko, sevhisi inogona kunge iri nani nekuda kwenhamba yakaderera yevatengi mumabhangi madiki.

➤ Virtual mabhangi (pamhepo)

Virtual mabhangi ese ari online, saka hapana mapazi. Muzviitiko zvakawanda, havatombotumiri mapepa.

Vatengi vanogashira zvirevo zvavo zvepamwedzi neemail kuti vaone kana kuzvidhinda online. Tarisa gwara redu rekuti online mabhangi: anoshanda sei?

➤ Mutual homwe nemakambani ebrokerage

Aya mabhanga anowanzo kupa masevhisi mashoma ekubhanga ane cheki yemahara kana yakaderera yakabatana neimwe mari inobhadharwa yemusika wemari.

➤ Mabhanga ekudyara

Mabhangi ekudyara anoshanda sevamiriri uye vapi vemazano kumakambani makuru, hurumende, hedge funds, uye mamwe masangano emari. Vanoshandira aya masangano makuru nekuvabatsira kubata mabasa akaomarara emari.

Mamwe emabasa avo makuru ndeeku makambani anobatsira anopa mazita kuruzhinji. Vanobatsira zvakare kuunganidzwa kwemari yekuwedzera bhizinesi. Vanovavarirawo kufambisa kubatanidzwa kukuru uye dzimwe nguva vanotoshanda sevapi vemazano ezvemari.

🌿 Maitiro ekusarudza bhangi rinokunakira iwe?

Bank kana credit union? Ndinofanira kusarudza bhangi repamhepo kana bhangi chairo? Kubhenga kweIslam kana kubhengi kwakajairika?

Pane zvakawanda zvesarudzo kana zvasvika pakusarudza iyo chaiyo mari institution. Imwe neimwe ine zvayakanakira uye miganhu. Nokuanzwisisa, unogona kusarudza kuti chii chinonyanya kukosha kwauri.

Muchokwadi, kusarudza bhangi rakakodzera ndeye sarudzo yakakosha yemari. Ita shuwa kuti unonzwisisa zvese zvako zvebhangi sarudzo, zvigadzirwa uye masevhisi. Kunze kwezvo, ndinokukoka iwe kuti uongorore mamwe maitiro ayo, mumaonero angu, anobvumidza iwe kusarudza bhangi rakanaka.

➤ Funga nezvemhando dzeakaunti dzaunoda kuvhura

Iwe unongoda yekutanga yekutarisa account kana uri kutsvaga kuchengetedza? Sarudza marudzi emaakaundi ekubhanga aunoda, wobva watsvaga bhanga rinopa zvauri kutsvaga.

➤ Ziva mamwe masevhisi anopihwa

Vamwe vanhu vanofarira kubata mari yavo yese nekambani imwechete. Kana iwe uchida kuita zvinopfuura kungochengeta mari yako mubhangi, ona kana vachipa chero chezvinotevera zvigadzirwa nemasevhisi: maakaundi ekudyara, zvikwereti uye zvimwe zvikwereti (zvangu, motokari, zvikwereti zvevadzidzi zvakazvimiririra).

➤ Tsvaka zvivako zvisingadhuri

Iwe haudi kurasikirwa nemari uchivhura account yekubhangi. Ngatitii une maakaundi matatu ane institution, uye vanobhadharisa mubhadharo wepamwedzi wega wega account. Izvi zvinogona kuwedzera!

Kana dziri mari dzepamwedzi sevhisi, ungangoda bhangi rinopa chimwe chezvinotevera: Hapana mhosva, Fees unogona kubvisa, Mari shoma, Mari yeOverdraft, Nezvimwewo.

➤ Sarudza pakati pebhangi chairo nebhangi repamhepo

Sarudza kana iwe uchida bhangi rine nzvimbo dzepanyama kana bhangi repamhepo. Iwe unogona kusarudza bhangi-nedhaka bhangi kana iwe uchida kukwanisa kupinda muchivako uye kutaura nemubhangi mumunhu.

Asi mabhangi epamhepo anowanzo kubhadharisa mari yakaderera uye kubhadhara mitengo mibairo yakakwirira.

➤ Ita shuwa kuti bhangi rako riri kuwanikwa

Kana iwe uchida kufamba panyama munzvimbo yako yezvemari, tarisa kuti ndeapi mabhangi uye masangano echikwereti ane mapazi ari pedyo nenzvimbo yaunogara kana kushanda. Kana iwe ukafamba zvakanyanya, unogona kukoshesa institution ine mamwe mapazi.

Zvikasadaro, ungangoda kuenda nezvinokuitira. Kana iwe ukashandisa ATM kune akawanda matransaction, tarisa kuti mangani anowanikwa munzvimbo yako uye zvichakutorera marii kushandisa.

Mazhinji masangano ezvikwereti ane gwaro renharaunda. Izvi zvinoreva kuti kana uchigara kana kushanda mukati menharaunda yavanoshandira, unogona kuve nhengo.

Kana uri kufunga nezvemubatanidzwa wechikwereti, ita shuwa kuti unokodzera kuve nhengo. Mabhangi havana miganhu kune vatengi vavo.

Nyaya yekuverenga: Zvaunofanira kuziva nezveakaundi ekubhangi evana

Kana iwe uchida kuwana online kana nharembozha kumaakaundi ako, tarisa mamwe mawebhusaiti ebhangi uye kiredhiti. Zvizhinji kupa online banking services uye nharembozha, asi mamwe anogona kuwanikwa nyore kupfuura mamwe.

➤ Funga nezverudzi rwebhangi: rechiIslam kana rekare

Kana iwe uchida kuita kutengeserana pasina mubereko, sarudza mabhanga echiIslam. Iwo mabhangi anotora chikamu nekuti anogovana kurasikirwa uye purofiti nevatengi vavo. Iwo akasiyana zvachose mumashandiro aanoita. Chokwadi ndechekuti mari yechiIslam ine misimboti yayo.

🌿 Pfupiso...

Nekunzwisisa zvirinani kushanda kwemabhangi uye mari dzakasiyana, iwe unozokwanisa kuisa mari neruzivo rwakazara uye gadzira zvinhu zvako wakadzikama. TIzvo zvese nezve kuenzanisa kudzoka, njodzi uye horizon yekudyara zvichienderana nezvinangwa zvako. 🎯

Saka, wagadzirira here kutanga rwendo rwekudyara? Zvakanaka kuti uchengetedze ramangwana rako rezvemari! 💪💸Ndokumbirawo mundipe zvaunofunga kuti ndivandudze iyi blog post. Iva nezuva rakanaka !

Usati waenda, heino dzidziso inokudzidzisa kutengesa mazano paInternet. Dzvanya pano kuti uitenge.

Enda zvako Rombo rakanaka