Yintoni omawuyazi ngeeakhawunti zebhanki zabantwana

Kutheni uvula iakhawunti yebhanki yabantwana? Yazisa abantwana bakho ku ulawulo lwemali kwangethuba kubalulekile ukubafundisa ukuziva benoxanduva kunye nexabiso lokonga. Ukubaxhasa ngobunono, akukho nto ifana neakhawunti yebhanki egameni labo kwasebancinane kakhulu!

Kodwa phakathi kwezibonelelo ezahlukeneyo ezivela kwiibhanki, iindlela zokusebenza okanye izilumkiso zokuthatha, ukuvula i-akhawunti enjalo akusoloko kulula kubazali.

Kweli nqaku, fumana yonke into omawuyazi phambi kokuba uthathele umntwana wakho iakhawunti yebhanki: ukusukela kowuphi na ubudala, luhlobo luni lweakhawunti omawukhethe, uyixhasa njani kwaye uyikhusele njani iakhawunti, iinzuzo zerhafu kunye nelifa, uxanduva lobuzali… Ke imiba emininzi ebalulekileyo yokwenza ukhetho olufanelekileyo!

Enkosi kuzo zonke iingcebiso zethu ezineenkcukacha, uya kuba nakho ukuvula iakhawunti yebhanki ngokuzolileyo kumntwana wakho kwaye nokuba umxhase ekulawuleni utshintshiselwano lokuqala ngokhuseleko olupheleleyo kunye nokuzithemba. Masihambe !

🥀 Yintoni iakhawunti yebhanki yabantwana?

Iakhawunti yebhanki yomntwana yile i-akhawunti yangoku okanye i-akhawunti yokonga evulwe egameni lomntwana, kunye nesivumelwano sabameli babo abasemthethweni (abazali okanye abagcini).

Injongo kukuba ukukhulisa umntwana malunga nolawulo lwemali ukususela ebuntwaneni. Ngaphantsi kolawulo lwabazali, le akhawunti ivumela ukuba aqalise ukugcina imali yepokotho, ingeniso encinci, okanye imali enikezelwe ngosuku lokuzalwa, umzekelo.

Ngokucacileyo, le akhawunti isebenza njengayo nayiphi na enye iakhawunti yebhanki. Umntwana unekhadi lakhe lokurhoxisa kwaye unokwenza ukudluliselwa okanye ukurhoxiswa phantsi kolawulo lomzali. Amanye amaziko abonelela ngezicelo ezonwabileyo zokwazisa ngohlahlo lwabiwo-mali.

Inzala ikwakukuqhelanisa abantwana nelizwe leebhanki kwaye ubethelele kubo ixabiso lemali kunye nokonga ngenjongo yeeprojekthi zexesha elizayo. I-akhawunti idluliselwa ngokubanzi ekufikeleleni kwiminyaka yobudala kwigama lakhe kuphela.

🥀 Zisebenza njani ii-akhawunti zogcino lwabantwana?

Iiakhawunti zogcino lwabantwana zisebenza ngendlela efanayo ii-akhawunti zokulondoloza zemveli, kodwa zenzelwe ngokukodwa ukunceda abazali ukugcina imali abantwana babo. Nazi iingongoma ezibalulekileyo ekufuneka uzazi:

Ukuvulwa kweakhawunti: Abazali okanye abagcini babantwana ngokusemthethweni banokuvulela umntwana wabo i-akhawunti yokonga ebhankini okanye kwiziko lemali. Iimpepha zesazisi zinokufuneka.

Idiphozithi: Abazali banokwenza idipozithi rhoqo okanye enye kwiakhawunti yokonga yabantwana babo. Ezinye ii-akhawunti zinokuba neemfuneko zedipozithi ezisezantsi.

Imidla: Iiakhawunti zogcino lwabantwana zidla ngokufumana inzala kwiimali ezidiphozithiweyo. Inzala inokwahluka ngokuxhomekeke kwiziko lemali kunye nesixa semali kwi-akhawunti.

Ukurhoxiswa: Ukutsalwa kwemali kwi-akhawunti yogcino kunokucuthwa okanye kuxhomekeke kwiimeko ezithile. Ezinye iiakhawunti zinokuba nezohlwayo zokurhoxa kwangoko.

Izibonelelo zemali : Kwamanye amazwe, iiakhawunti zogcino lwabantwana zinokuba nenzuzo yerhafu, njengokungayihlawuli irhafu kwinzala abayifumanayo.

Kuyacetyiswa ukuba udibane neziko lakho lezemali ngolwazi oluthe ngqo kwiiakhawunti zogcino lwabantwana, njengoko iinkcukacha zinokwahluka ngokwelizwe namaziko.

🥀 Izibonelelo zeakhawunti yokonga abantwana

Iiakhawunti zokonga zabantwana zibonelela ngeenzuzo ezininzi. Nazi ezinye zazo:

Imfundo yezemali: Iiakhawunti zogcino-mali zabantwana zivumela abazali ukuba baqalise ukufundisa abantwana babo imigaqo yokonga, yokulawula imali, noxanduva lwemali kwasebutsheni babo.

Ukukhula kwemali: Imali efakwe kwiakhawunti yokonga yabantwana inokufumana inzala, nto leyo ethetha ukuba imali inokukhula ngokuhamba kwexesha. Oku kunokunceda ukwakha inkunzi yeendleko zexesha elizayo, ezifana nemfundo ephakamileyo okanye ukuthenga imoto yakho yokuqala.

Ukhuseleko lwemali: Iiakhawunti zogcino lwabantwana zikhuselekile ngokubanzi kwaye zikhusela iimali ezifakiweyo. Banikela ngendlela ekhuselekileyo yokubeka imali ecaleni ukwenzela ikamva lomntwana.

Izibonelelo zemali : Kwamanye amazwe, iiakhawunti zogcino lwabantwana zisenokufanelekela ukuhlawulelwa irhafu, njengokungahlawuliswa irhafu kwinzala efunyenweyo. Oku kunokuvumela uqoqosho ukuba lukhule ngokukhawuleza.

Ucwangciso lwezemali: Ngokuvulela umntwana wabo iakhawunti yokonga, abazali banokuqalisa ukucwangcisa ngokwezimali iindleko zexesha elizayo, njengemfundo, ukuhamba okanye ukuthenga ikhaya.

Kubalulekile ukuqaphela ukuba izibonelelo ezithile zinokwahluka ngokuxhomekeke kwilizwe kunye neziko lezemali. Kuyacetyiswa ke ngoko ukuba udibane nebhanki yakho okanye iziko lemali ukuze ufumane iinkcukacha ezithe vetshe ngezibonelelo ezibonelelwa zii-akhawunti zokonga zabantwana.

🥀 Okungeloncedo kwiakhawunti yokonga yabantwana

Ngelixa ii-akhawunti zokonga zabantwana zibonelela ngeenzuzo ezininzi, kukwakho nezinye izinto ezinokuthi zijongelwe phantsi.

Ukusilela okunokwenzeka kukuba uthintelo lokurhoxa. Ezinye iiakhawunti zogcino lwabantwana zinokunciphisa inani okanye isixa sokutsalwa kwemali, nto leyo enokwenza ukuba imali ingafikeleleki ngamaxesha emfuno engxamisekileyo. Kubalulekile ukujonga iimeko ezithile zokurhoxiswa kwe-akhawunti phambi kokuba uvulele umntwana wakho.

Enye into engalunganga enokwenzeka kukuba isivuno esinokuba sezantsi. Inzala enikezelwa kwiiakhawunti zogcino lwabantwana inokuba ngaphantsi kunolunye utyalo-mali okanye ukhetho lotyalo-mali. Oku kuthetha ukuba ukukhula kwemali kunokucotha xa kuthelekiswa nezinye iindlela.

Ukongezelela, kwamanye amazwe imali ekwiakhawunti yokonga abantwana inokuqwalaselwa xa kubalwa ukufaneleka koncedo lwemali kwimfundo ephakamileyo. Oku kunokunciphisa ubungakanani boncedo lwemali olunokufunyanwa ngumntwana wakho.

Ezinye iiakhawunti zogcino lwabantwana nazo zinokukhokelela ekubeni imirhumo yolawulo okanye ezinye iintlawulo. Kubalulekile ukuqonda imirhumo ehambelana ne-akhawunti ngaphambi kokuyivula.

Ekugqibeleni, kukho a umngcipheko wokunyuka kwamaxabiso. Ukuba imilinganiselo yenzala enikezelwa yi-akhawunti yogcino lwabantwana iphantsi kunezinga lokunyuka kwamaxabiso, oko kunokukhokelela ekulahlekelweni kwamandla okuthenga ngokuhamba kwexesha.

Kubalulekile ukuqwalasela ezi zinto zingeloncedo zinokuthi zibe kho kwaye uzilinganisele kwizinto eziluncedo phambi kokuba wenze isigqibo sokuvula i-akhawunti yokonga yabantwana. Kucetyiswa ukuba udibane neziko lakho lezemali ngolwazi oluthe ngqo malunga nokungalunganga okunokubakho kwiiakhawunti zogcino lwabantwana kwilizwe lakho.

🥀 Ndiyivula njani iakhawunti yokonga yabantwana?

Ukuvula iakhawunti yokonga yabantwana, landela la manyathelo:

Khetha iziko lezemali: Fumana ulwazi ngeebhanki ezahlukeneyo okanye amaziko emali abonelela ngee-akhawunti zogcino lwabantwana. Thelekisa unikezelo, inzala kunye neentlawulo ezinxulumeneyo ukuze ufumane eyona ndlela ilungileyo.

Qokelela amaxwebhu ayimfuneko: Lungiselela amaxwebhu afunekayo ukuze uvule i-akhawunti. Oku kunokubandakanya isazisi sakho, ubungqina bokuba uhlala kwindawo ohlala kuyo, inombolo yoKhuseleko lweNtlalo, kunye namaxwebhu okuchaza umntwana wakho, anjengesatifikethi sakhe sokuzalwa.

Ndwendwela ibhanki okanye iziko lezemali: Yenza idinga kunye nommeli webhanki okanye iziko lezemali ukuvula i-akhawunti. Yiza nawo onke amaxwebhu afunekayo kutyelelo lwakho.

Gcwalisa iifom zokuvula i-akhawunti: Ummeli uya kukubonelela ngeefomu eziyimfuneko zokuvula i-akhawunti. Bagcwalise ngeenkcukacha ezifunekayo, njengeenkcukacha zakho nezomntwana wakho.

Yenza idipozithi yokuqala: Ezinye iiakhawunti zokonga zabantwana zinokufuna idipozithi yokuqala ephantsi. Qinisekisa ukuba unayo imali yokwenza le deposit xa uvula i-akhawunti.

Fumana ulwazi lweakhawunti: Nje ukuba inkqubo yobhaliso igqityiwe, uya kufumana ulwazi lwe-akhawunti, olufana nenombolo ye-akhawunti kunye neenkcukacha zokungena kwi-intanethi. Gcina olu lwazi kwindawo ekhuselekileyo.

🥀I-FAQs

Ii-FAQ malunga neeakhawunti zebhanki zabantwana:

Umbuzo 1: Ungavula iakhawunti yebhanki xa uneminyaka emingaphi umntwana?
I-A1: Iimeko zinokuhluka ngokuxhomekeka kumazwe kunye namaziko emali, kodwa ngokubanzi, kunokwenzeka ukuvula i-akhawunti yebhanki kumntwana ukususela ekuzalweni.

Umbuzo 2: Ngawaphi amaxwebhu afunekayo ukuze uvule iakhawunti yebhanki yomntwana?
A2: Amaxwebhu afunekayo anokwahluka, kodwa ngokubanzi kuya kufuneka unikezele ngesazisi sakho, ubungqina bendawo ohlala kuyo, ubungqina bobudlelwane nomntwana (isiqinisekiso sokuzalwa), kunye nesazisi somntwana.

I-Q3: Ngaba kukho nayiphi na imirhumo ehambelana neeakhawunti zebhanki zabantwana?
I-A3: Ezinye iiakhawunti zinokuba nemirhumo yokulawula okanye iintlawulo ezinxulumene nokuthengiselana okuthile. Kubalulekile ukujonga imirhumo ethile kunye nebhanki okanye iziko lezemali ngaphambi kokuvula i-akhawunti.

Umbuzo 4: Ngaba imali efakwe kwiakhawunti yebhanki yomntwana ifumana inzala?
A4: Ewe, uninzi lweeakhawunti zebhanki zabantwana zibonelela ngenzala kwimali ediphozithiweyo. Nangona kunjalo, amazinga enzala anokwahluka kwiziko ngalinye.

Umbuzo 5: Ngaba imali ekwi-akhawunti ivaliwe de umntwana afikelele kwiminyaka ethile?
A5: Ngokuqhelekileyo, abazali okanye abagcini babantwana banolawulo lwe-akhawunti de umntwana afikelele kwiminyaka yobudala yesininzi esisemthethweni. Emva koko, umntwana unokuthatha ulawulo olupheleleyo lwe-akhawunti.

Umbuzo 6: Ngaba kunokwenzeka ukukhupha imali kwi-akhawunti ngaphambi kokuba umntwana abe mdala?
A6: Ewe, kwiimeko ezininzi kunokwenzeka ukutsala imali kwi-akhawunti yeendleko ezinxulumene nomntwana, kodwa kunokubakho izithintelo okanye imida ekutsaleni imali.

Umbuzo 7: Zeziphi iingenelo ze-akhawunti yebhanki yabantwana kwi-akhawunti yokonga rhoqo?
A7: Iiakhawunti zebhanki zabantwana ziyilelwe ngokukodwa ukunceda abantwana bafunde indlela yokulawula imali yabo nokukhulisa imikhwa elungileyo yokonga. Bahlala bebonelela ngeempawu zemfundo ezilungele abantwana kunye neenkqubo.

🥀 Ukuvala

Ezi akhawunti zibonelela ngeenzuzo ezininzi, ezinjengokufunda ukonga nokulungiselela ikamva lomntwana wakho ngokwemali. Nangona kunjalo, kukwabalulekile ukuqwalasela ukuhla okunokwenzeka, okufana nezithintelo zokurhoxa kunye nembuyekezo enokubakho ephantsi.

Ngokuvula iakhawunti yebhanki yabantwana, unokunceda umntwana wakho akhulise imikhwa esempilweni yemali aze aqonde nexabiso lemali. Qinisekisa ukuba ukhetha iziko lezemali elithembekileyo, thelekisa izibonelelo, kwaye uqonde imigaqo kunye neentlawulo ezinxulumene neakhawunti.

Ekugqibeleni, ii-akhawunti zebhanki zabantwana zinokuba sisixhobo esixabisekileyo sokufundisa uxanduva lwezemali nolawulo lwemali kwasebuncinaneni. Ngolwazi olululo kunye nendlela, unokunceda umntwana wakho akhe isiseko esiluqilima sobomi bemali obunempumelelo.

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

Sishiyele iinkxalabo zakho kwizimvo