Qonda ibhanki ngokutyalomali ngcono

Yintoni esifanele siyazi malunga neenkonzo zebhanki kunye neebhanki? Enyanisweni, ukuqonda ibhanki akukho lula. Tyimbono endiya kuyiphuhlisa kweli nqaku. Ngapha koko, lithuba lokuba uzifundise ukuze utyale imali yakho ngcono.

Nantsi into ekufuneka uyazi kuqala. Umlo wokulwa intlupheko ikakhulu ngokubandakanywa kwezemali. Ngethamsanqa, abantu abaninzi kule mihla bayakuqonda oku. Yiyo loo nto iibhanki zisamkela ngakumbi nangakumbi abathengi abacela iinkonzo zabo yonke imihla. ukuze ubandakanywe ngokwemali.

Nangona kunjalo, kufuneka wazi ukuba ungayikhetha njani ibhanki yakho. Ngokuqhelekileyo abantu abanamdla kangako khetha i-akhawunti yokujonga okanye i-akhawunti yokugcina Umzekelo. Yenza ukhetho olungalunganga ingabiza kakhulu.

Ukukunceda ukuba utyale imali okanye ubeke imali yakho, ndikumema ukuba ufunde eli nqaku kude kube sekupheleni ukuze uqonde indlela ibhanki kunye neenkonzo zebhanki zisebenza ngayo.

Isishwankathelo esingezantsi sikunika umbono wento ephuhliswe apho. Kodwa ngaphambi kokuba uqale, nalu uqeqesho olukuvumela ukuba wenze fumana i-1000euros / Usuku kwi-5euros.com. Cofa apha ukuze uyithenge

🌿 Yintoni ibhanki?

Iibhanki zi abameli bezemali. Banendima ebalulekileyo ekufuneka beyidlalile ekuxhaseni uqoqosho ngemali. Iibhanki zinxibelelanisa abantu abanemali egqithisileyo kunye nabo bafuna inkxaso-mali.

Benza inkitha yemisebenzi ebandakanya iidiphozithi, ukutsalwa kwemali, utshintshiselwano lwemali, urhwebo lwemali kunye ulawulo lobutyebi.

Ngamafutshane, basebenza njengekhonkco phakathi kwabagcini-mali kunye nababoleki. Basebenzisa imali efakwe ngabathengi babo ukuze babonelele ngamaziko etyala kubantu abanqwenela ukuboleka.

🌿 Isebenza njani ibhanki?

Ukuze ndiwuqonde lo mhlathi, ndingathanda kuqala ukukubuza imibuzo ethile. Ngaba wakha wazibuza:

• Iyenza ntoni ibhanki yam ngedipozithi yam?
• Ngaba oku kuya kwindawo ekhuselekileyo kwenye indawo?
• Ngaba ndiza kuphinda ndiyifumane le mali?

Impendulo yale mibuzo ilula. Nantsi into ekufuneka uyazi kuqala.

➤ Iyenza njani imali ibhanki?

Xa umntu efaka imali kwiakhawunti yakhe yebhanki, ibhanki inokuboleka loo mali kwabanye abantu. Yiloo nto esiyibizayo ulamlo lwemali.

Umthengi ofaka imali ufumana imali encinci yembuyekezo (inzala kwiidiphozithi). Umthengi obolekayo ngembuyekezo uhlawula isixa esikhulu semali ebhankini (inzala yemali-mboleko).

Ukuze azenzele imali, ibhanki igcina umahluko. Ndihlala ndiqhula ngale ndlela yemveli yokwenza imali ngumgaqo ka-3-6-3.

Oko kukuthi, ibhanki iboleka kuyo imali kwi-3% (amaxabiso aphantsi), ukuboleka kwi-6% (amaxabiso aphezulu) kunye nokufaka i-pocket umehluko (3%).

➤ Zeziphi iimveliso kunye neenkonzo zebhanki?

Ukugcina imali eninzi ekhaya kunokuba yingozi. Nokuba amathuba aphantsi, kuhlala kukho umngcipheko welahleko, ubusela okanye intlekele yendalo.

Xa ufaka imali kwi-inshorensi yebhanki, ikhuselwe ukuya kwimida evumelekileyo. Ecaleni kwesi sibonelelo sinikezelwa yibhanki, kukho ezinye iimveliso kunye neenkonzo ezinikezelwa yibhanki. Nantsi ke.

✔ Iiakhawunti zangoku

Iakhawunti yangoku yinkonzo ebonelelwa ziibhanki ezininzi ezivumela abantu kunye namashishini. Imigaqo nemiqathango yeakhawunti inokwahluka ngokwebhanki.

Ngokubanzi, umnini-akhawunti ojongayo unokusebenzisa iitshekhi zobuqu okanye zeshishini endaweni yemali ukuhlawula amatyala. Uninzi lweeakhawunti zokujonga zivumela abathengi ukuba bakhuphe imali yabouncedo oluvela kwi-ATM.

✔ ii-akhawunti zokulondoloza

I-akhawunti yokonga ingakunceda ukuba wahlule imali ofuna ukuyigcina kwimali ekufuneka uyisebenzisile. Kwabaninzi, yindlela elula yokufezekisa injongo, njengokugcinela uphuculo lwekhaya okanye ukwakha ingxowa-mali kaxakeka.

Uninzi lweeakhawunti zogcino zinokuthumela ngokuzenzekelayo imali kwi-akhawunti yakho yokutshekisha ukuya kwiakhawunti yakho yokonga nyanga nganye, ukuze ungacingi nokucinga ngokuyenza ngokwakho.

Inzuzo eyongeziweyo kukuba iibhanki zidla ngokukuhlawula inzala kwezi akhawunti zogcino. Isuka imali "yasimahla". enokukunceda ufikelele usukelo lwakho lwemali ngokukhawuleza kancinci.

✔ Iiakhawunti zemarike yemali

Iakhawunti yemalike yemali uhlobo lweakhawunti yokonga ehlala ihlawula amazinga enzala aphezulu kune-akhawunti yokonga eqhelekileyo. Okukhona ugcina ngakumbi, kokukhona unokurhola. Kodwa khumbula ukuba inani lokurhoxiswa ngenyanga lilinganiselwe ngenxa yemithetho yomanyano.

✔ Izatifikethi zediphozithi

Isiqinisekiso sedipozithi luhlobo lwe-akhawunti yebhanki apho uvuma ukugcina imali yakho kwi-akhawunti ixesha elithile, ukusuka kwiinyanga ezi-6 ukuya kwi-5 iminyaka. Okukhona ugcina ixesha elide, kokukhona inyuka imbuyekezo.

Ungasoloko uthatha isigqibo sokuyirhoxisa imali yakho kwangethuba. Nangona kunjalo, kukho isohlwayo sokurhoxisa ngaphambi kokuphela kwesiqinisekiso sakho sexesha lediphozithi.

✔ Iiakhawunti zomhlalaphantsi zomntu ngamnye

Ezi ziiakhawunti zotyalo-mali zexesha elide lomhlalaphantsi. Ingeniso evela kwezi akhawunti ikhula irhafu erhoxisiweyo. Awukwazi ukufikelela kwiingxowa-mali de ufikelele kwiminyaka yokuthatha umhlalaphantsi ngaphandle kokufumana izohlwayo kunye nemiphumo yerhafu.

✔ Amakhadi ebhanki

Ikhadi lebhanki okanye itshekhi ikhadi likhangeleka njengekhadi letyala. Inika enye indlela yokuhlawula imali xa uthenga. Ngekhadi ledebhithi, unokuhlawula iindleko zakho zemihla ngemihla ngokuswayipha okulula (kwaye ngokuqhelekileyo i-PIN yakho).

✔ Amakhadi okuthenga ngetyala

Ikhadi lekhredithi likuvumela ukuba uhlawule izinto kunye nomgca wekhredithi. Ngokusisiseko, uboleka imali kwaye emva koko uyihlawule xa i-bill ifika.

Kodwa khumbula ukuba amakhadi okuthenga ngetyala ahlukeneyo abiza inzala eyahlukileyo, ngoko ke kubalulekile ukwazi ukuba uvumelana ngantoni (ukuze ungahlawuli kakhulu kwixesha elide).

✔ Ezinye iinkonzo zebhanki

Uninzi lwamaziko emali anika ngaphezu kokonga kunye nokujonga iiakhawunti. Banokubonelela ngezixhobo ezahlukeneyo zokuboleka ezinje ngemali mboleko yobuqu, imali mboleko yabafundi, imali mboleko yemoto, amakhadi okuthenga ngetyala, kunye neemali mboleko.

Ke, soloko uzibuza: ngaba ibhanki yam a Ibhanki yamaSilamsi okanye ibhanki eqhelekileyo? Jonga inqaku lethu kwi iinkcukacha zeebhanki zamaSilamsi.

🌿 Ibhanki inikezela njani ngeemveliso kunye neenkonzo zayo?

Ukubonelela ngeenkonzo kunye neeMveliso, ibhanki inakho iindlela ezininzi ukwenza oku. Ihamba kumasebe, kwi-intanethi kunye neebhanki eziphathwayo, kunye neebhanki zefowuni. Makhe sihlalutye ezi ndlela zokubonelela ngeenkonzo zebhanki ngenyathelo.

➤ Iinkonzo zebhanki ezinikezelwa lisebe

Isebe lebhanki yindawo ebonakalayo apho ibhanki yakho inokwenziwa khona ngokobuqu. Ungaya kwisebe kwi-roll yekota okanye itshekhi ye-cashier oyifunayo kwangoko.

Usenokufuna ukuqesha isefu ukuze ugcine izinto ezixabisekileyo okanye amaxwebhu abalulekileyo.

Okanye mhlawumbi ukhetha ukuthetha nomntu webhanki ngokobuqu xa unemibuzo malunga indlela yokukhetha iimveliso kunye neenkonzo ezifanelekileyo kwiimfuno zakho zemali.

➤ Ukunikezelwa kweenkonzo zebhanki ezikwi-intanethi kunye nezihambahambayo

Iibhanki ezininzi zikuvumela ukuba ulawule imali yakho kwikhompyuter okanye i-smartphone eqhagamshelwe kwi-intanethi. Ezinye iibhanki ezikwi-intanethi kunye neeapps eziphathwayo zikuvumela ukuba wenze ibhanki naphi na ngesantya sakho.

Kunye 24/24 ukufikelela, unokwenza yonke into ukusuka ekulawuleni iiakhawunti ezininzi ukuya ekuhlawuleni amatyala ukuya ekugqithiseleni imali.

➤ Ukubonelela ngeenkonzo zebhanki ngomnxeba

Ezinye iibhanki zikuvumela ukuba wenze ibhanki ngefowuni. Fowunela nje inombolo yefowuni kwaye uthethe nomsebenzi webhanki ukufumana inkonzo.

Ezi nkonzo zinokubandakanya ukujonga ibhalansi yakho, ukudlulisela imali, ukuhlawula amatyala okanye ezinye iimfuno zebhanki.

Ukuba ufowuna ngaphandle kweeyure zesiqhelo zebhanki yakho, kunokufuneka usebenzise inkqubo ezenzekelayo eya kukukhokela kumanyathelo ayimfuneko ukuze ugqibezele iintengiselwano zakho.

Kulapho kanye kungena khona ubukrelekrele bokwenziwa. Qhagamshelana nenqaku lethu malunga nendawo yobukrelekrele bokwenziwa kwishishini.

🌿 Iindidi ezahlukeneyo zeebhanki

Kukho iintlobo ezininzi zeebhanki emhlabeni kwaye nganye inenjongo yayo. Zazi iintlobo zeebhanki okufumanekayo kuwe kubalulekile xa usenza izigqibo zemali.

Nokuba ufuna ukuvula i-akhawunti yokonga okanye ukuboleka imali. Funda malunga neentlobo ezahlukeneyo zeebhanki kunye nokuba ngubani osebenza kakhulu.

➤ Iibhanki zorhwebo

Iibhanki zorhwebo zinceda abantu kunye namashishini. Ngokuqhelekileyo banamasebe amaninzi abekwe kakuhle kwindawo kwaye anikezela uluhlu olubanzi lweenkonzo.

➤ IiBhanki zoSavings kunye neTyala (EC)

Iibhanki ze-EC zikholisa ukuba nemirhumo ephantsi kuneebhanki zorhwebo. Kwezinye iimeko, inkonzo inokuba ngcono ngenxa yenani elisezantsi labathengi kwiibhanki ezincinci.

➤ Iibhanki ezibonakalayo (kwi-intanethi)

Iibhanki ezibonakalayo zonke zikwi-intanethi, ngoko akukho masebe. Kwiimeko ezininzi, abathumeli neengxelo zephepha.

Abathengi bafumana iingxelo zabo zenyanga nge-imeyile ukuze bazijonge okanye baziprinte kwi-intanethi. Jonga isikhokelo sethu ku iibhanki ze-intanethi: zisebenza njani?

➤ Iinkampani ezixhasa ngemali kunye neenkampani zokuthengisa

Ezi bhanki zihlala zibonelela ngeenkonzo zebhanki ezinyiniweyo ezinetshekhi ezisimahla okanye ezinexabiso eliphantsi ezidityaniswe neengxowa-mali ezihlawulelwayo zemarike yemali.

➤ Iibhanki zotyalo-mali

Iibhanki zotyalo-mali zisebenza njengabalamleli kunye nabacebisi kwiinkampani ezinkulu, oorhulumente, iingxowa-mali zokukhusela, kunye namanye amaziko emali. Bakhonza le mibutho mikhulu ngokubanceda balawule imisebenzi enzima yemali.

Eminye yemisebenzi yabo ephambili kuku Iinkampani zoncedo zibonelela ngezihloko eluntwini. Bakwaququzelela ukonyuswa kwemali yokwandisa ishishini. Bakwajonge ukuququzelela ukudityaniswa okukhulu kwaye ngamanye amaxesha basebenze njengabacebisi bezezimali.

🌿 Ungayikhetha njani ibhanki ekufaneleyo?

Ibhanki okanye imanyano yamatyala? Ngaba kufuneka ndikhethe ibhanki ye-intanethi okanye ibhanki ebonakalayo? Ibhanki yamaSilamsi okanye ibhanki eqhelekileyo?

Kukho ukhetho oluninzi xa kuziwa ekukhetheni iziko lezemali elifanelekileyo. Nganye ineengenelo zayo kunye nemida. Ngokuziqonda, unokugqiba ngeyona nto ibalulekileyo kuwe.

Enyanisweni, ukukhetha ibhanki elungileyo a isigqibo esibalulekileyo sezemali. Qinisekisa ukuba uyaziqonda zonke iinketho zakho zebhanki, iimveliso kunye neenkonzo. Ngaphezu koko, ndikumema ukuba uphonononge ezinye iindlela, ngokoluvo lwam, ezikuvumela ukuba ukhethe ibhanki elungileyo.

➤ Cinga ngeentlobo zeeakhawunti ofuna ukuzivula

Ngaba ufuna nje iakhawunti esisiseko yokujonga okanye ujonge ukuyigcina? Gqiba ngeentlobo zeeakhawunti zebhanki ozifunayo, emva koko ufumane ibhanki enikezela ngale nto uyifunayo.

➤ Fumanisa ezinye iinkonzo ezinikezelwayo

Abanye abantu bathanda ukulawula zonke iimali zabo kwinkampani enye. Ukuba ufuna ukwenza okungaphezulu kunokugcina imali yakho ebhankini, jonga ukuba babonelela ngezi mveliso kunye neenkonzo zilandelayo: Iiakhawunti zotyalo-mali, iimali mboleko kunye nezinye iimali-mboleko (ezomntu, iimoto, iimali-mboleko zabafundi babucala).

➤ Khangela iindawo ezinexabiso eliphantsi

Awufuni kuphulukana nemali yokuvula iakhawunti yebhanki. Masithi uneeakhawunti ezintathu kwiziko, kwaye babiza umrhumo wenyanga ngeakhawunti nganye. Oku kunokudibanisa ngokwenene!

Ngokuphathelele kwimirhumo yenkonzo yenyanga, uya kufuna ibhanki ebonelela ngenye yezi zilandelayo: Akukho zindleko, Imirhumo onokuyirhoxisa, Imirhumo ephantsi, Imirhumo ye-Ovadrafti, njl.

➤ Khetha phakathi kwebhanki ebonakalayo kunye nebhanki ekwi-intanethi

Thatha isigqibo sokuba ufuna ibhanki eneendawo ezibonakalayo okanye ibhanki ekwi-intanethi. Unokukhetha ibhanki yezitena kunye nodaka ukuba ungathanda ukukwazi ukungena kwisakhiwo kwaye uthethe nomntu ogcina imali.

Kodwa iibhanki ze-intanethi zihlawulisa ngokubanzi imirhumo ephantsi kunye namazinga okuhlawula inzala ephezulu.

➤ Qinisekisa ukuba ibhanki yakho iyafikeleleka

Ukuba uthanda ukungena ngokwasemzimbeni kwiziko lakho lezemali, jonga ukuba zeziphi iibhanki kunye neemanyano zamatyala amasebe akufuphi nendawo ohlala kuyo okanye umsebenzi. Ukuba uhamba kakhulu, unokulixabisa iziko elinamasebe amaninzi.

Kungenjalo, ungafuna nje ukuhamba nento ekusebenzelayo. Ukuba usebenzisa i-ATM kwiintengiselwano ezininzi, khangela ukuba zingaphi ezifumanekayo kwindawo yakho kwaye iyakubiza malini ukuyisebenzisa.

Iimanyano zamatyala ezininzi zinetshatha yasekuhlaleni. Oku kuthetha ukuba ukuba uhlala okanye usebenza kuluntu abalusebenzelayo, unokuba lilungu.

Ukuba ucinga ngomanyano lwamatyala, qiniseka ukuba ufanelekile ukuba ubulungu. Iibhanki ayinamida kubathengi babo.

Inqaku elifundwayo: Yintoni omawuyazi malunga neeakhawunti zebhanki zabantwana

Ukuba ukhetha ukungena kwi-intanethi okanye ngeselula kwiiakhawunti zakho, jonga ezinye iiwebhusayithi zebhanki kunye neemanyano zamatyala. Uninzi zibonelela ngeenkonzo zebhanki kwi-intanethi kunye neselula, kodwa ezinye zinokufikeleleka ngakumbi kunabanye.

➤ Qwalasela uhlobo lwebhanki: yamaSilamsi okanye eqhelekileyo

Ukuba ufuna ukwenza iitransekshini ezingenanzala, khetha iibhanki zamaSilamsi. Ziibhanki ezithatha inxaxheba kuba zabelana ngelahleko kunye neenzuzo kunye nabathengi babo. Zahluke ngokupheleleyo kwindlela ezisebenza ngayo. Inyaniso kukuba imali yamaSilamsi inemigaqo yayo.

🌿 Isishwankathelo...

Ngokuqonda ngcono ukusebenza kweebhanki kunye notyalo-mali olwahlukeneyo, uya kukwazi ukutyala imali ngolwazi olupheleleyo kunye yakha ngokuzolileyo izinto zakho. TKonke kumalunga nokulungelelanisa imbuyekezo, umngcipheko kunye ne-investment horizon ngokusekelwe kwiinjongo zakho. 🎯

Ke, ngaba ukulungele ukuqalisa kwi-adventure yotyalo-mali? Kufanelekile ukuba ukhusele ikamva lakho lezemali! 💪💸Nceda undinike izimvo zakho ukuphucula le post yebhlog. Ubenemin emnandi !

Ngaphambi kokuba uhambe, nalu uqeqesho olukufundisayo indlela yokuthengisa iingcebiso kwi-intanethi. Cofa apha ukuze uyithenge.

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