Loluphi uhlobo lweakhawunti yebhanki eyenziwe eAfrika?

IAfrika, ilizwekazi elijongene nokukhula koqoqosho, libonelela ngamathuba ahlukeneyo ngokweenkonzo zebhanki. Pha ukwenziwa kweakhawunti yebhanki ukulungelelaniswa neemfuno kunye neenjongo zezimali zomntu ngamnye kubalulekile ukukhuthaza ukukhula koqoqosho kunye nokuququzelela ukufikelela kwiinkonzo zemali.

Kweli nqaku, siza kuphonononga ngokweenkcukacha iintlobo ezahlukeneyo zeeakhawunti zebhanki ezikhoyo e-Afrika kunye nezibonelelo abazinikezela kubahlali bendawo kunye nabangaphandle. E-Afrika, ii-akhawunti zangoku yenye yezona ntlobo zixhaphakileyo kwiiakhawunti zebhanki.

Ezi akhawunti zivumela abanini ukuba benze iitransekshini zemihla ngemihla ezifana neediphozithi, ukutsalwa kwemali kunye nokudluliselwa. Bahlala beza nekhadi ledebhithi elivumela ukufikelela lula kwiimali.

Kodwa ngaphambi kokuba uqale, nalu uqeqesho olukuvumela ukuba wenze fumana i-1000euros / Usuku kwi-5euros.com. Cofa apha ukuze uyithenge

🌿 Yintoni iakhawunti yebhanki

Un i-akhawunti yebhanki yinkonzo yezemali ebalulekileyo ebonelelwa ngamaziko ebhanki, evumela abantu kunye namashishini ukuba afake, alawule kwaye akhusele imali yawo. Lulungiselelo lwekhontrakthi phakathi komnini-akhawunti kunye nebhanki, ebonelela ngofikelelo olukhuselekileyo kwiimali kunye nezinto ezahlukeneyo zemali.

I-akhawunti yebhanki inikeza ezininzi iinzuzo eziphambili. Okokuqala, ivumela abanini-akhawunti ukuba bafake kwaye bagcine imali yabo ngokukhuselekileyo. Iimali ezifakwe kwiakhawunti yebhanki zikhuselwa yimithetho yebhanki kwaye zinokufunyanwa xa zifuneka. Oku kunika uxolo lwengqondo kunye nokhuseleko lwemali.

Ukongeza, i-akhawunti yebhanki yenza kube lula uku ulawulo lwentengiselwano yezemali. Abanini-akhawunti banokwenza iidipozithi, ukutsalwa kwemali, ukudluliselwa kunye neentlawulo kwi-akhawunti yabo, ukwenza lula imisebenzi yemihla ngemihla kunye neentengiselwano zoshishino.

Iiakhawunti zebhanki nazo zinokudityaniswa nedebhithi okanye amakhadi okuthenga ngetyala, nto leyo ebonelela bhetyebhetye olukhulu ekuthengeni nasekuhlawulweni.

🥀 Iakhawunti yokonga

Un i-akhawunti yokugcina luhlobo lweakhawunti ebonelelwa ngamaziko emali evumela abantu ukuba bafake imali yabo ukuze balondoloze kwaye bakhulise imali yabo. Inika isisombululo esisebenzayo sokubeka bucala imali kunye nokukhula kwayo ngokuhamba kwexesha.

Xa uvula a i-akhawunti yokugcina, ngokuqhelekileyo kuyimfuneko ukwenza idiphozithi yokuqala. Esi sixa-mali sinokwahluka ngokuxhomekeke kwiimfuno zebhanki okanye zeziko lemali. Le dipozithi yokuqala inokuqwalaselwa njengenyathelo lokuqala ekuphumezeni iinjongo zakho zemali.

Nje ukuba iakhawunti yakho ivulwe, imali oyifake kuyo iqala ukuvelisa umdla. Inzala yingeniso oyizuzayo kugcino lwakho. Zibalwa ngokusekelwe kumndilili webhalansi ye-akhawunti yakho kwixesha elithile kwaye zongezwa kwi-akhawunti yakho ngamaxesha aqhelekileyo. Inzala yeyona nto iphambili ekukhuliseni ugcino lwakho.

Iiakhawunti zogcino zinokuba ne- izinga lenzala elimiselweyo okanye eliguquguqukayo. Izinga lenzala esisigxina lithetha ukuba izinga lihlala lingaguquguquki kangangexesha elithile, ngelixa inzala eguquguqukayo inokutshintsha ngokuxhomekeke kwiimeko zemarike kunye nemigaqo-nkqubo yebhanki okanye yeziko lemali. Kubalulekile ukuqonda uhlobo lwenzala ehambelana neakhawunti yakho.

✔️ Izinto eziluncedo kwiakhawunti yokonga

Enye yeenzuzo ezibalulekileyo a i-akhawunti yokugcina kukuba inika ethile sécurité bhatala imali yakho. Imali yakho ikhuselwe ziziqinisekiso kunye nemimiselo yamaziko emali, ukunciphisa umngcipheko wokulahlekelwa okanye ubusela. Oku kukuvumela ukuba ulale kamnandi usazi ukuba ukonga kwakho kukhuselekile.

Enye inzuzo enkulu yi ukuhlawula ezinikezelwa yi-akhawunti yokonga. Nangona kunokubakho izithintelo ekutsaleni imali, unokufikelela kwimali yakho xa kuyimfuneko. Oku kukunika uxolo lwengqondo ukwazi ukuba ukonga kwakho kuyafumaneka kwimeko kaxakeka okanye ukugqiba iiprojekthi ezibalulekileyo.

Iiakhawunti zogcino zikwasisixhobo esibalulekileyo sokuphumeza owakho iinjongo zemali. Nokuba ulondolozela ukuthenga okukhulu, njengendlu okanye imoto, okanye ulungiselela umhlalaphantsi, iakhawunti yokonga ingakunceda ukuba wakhe ingxowa-mali eyomeleleyo. Ikuvumela ukuba ubeke bucala imali rhoqo kwaye ulandele inkqubela yakho kwiinjongo zakho zemali.

Ngokuba ne i-akhawunti yokugcina, nawe uphuhlisa a uqeqesho lwezemali. Ngokwahlula imali oyigcinileyo kwi-akhawunti yakho yokutshekisha, uyakuphepha ukusebenzisa imali engxamisekileyo kwaye ugxile kwinjongo yokonga. Oku kukunceda ukuba ulawule iimali zakho ngokuthembekileyo kwaye uphuhlise imikhwa elungileyo yokonga.

✔️ Ukungalungi kolu hlobo lweakhawunti

Kubalulekile ukuqaphela ukuba ii-akhawunti zogcino zinokuba qinisekileyo inconvénients. Umzekelo, inzala isenokuba phantsi, nto leyo enokunciphisa ukukhula kogcino lwakho. Ukongeza, ukunyuka kwamaxabiso kunokunciphisa ixabiso lokwenyani lokonga kwakho ekuhambeni kwexesha. Kubalulekile ke ngoko ukuba uqwalasele ezi meko xa ucwangcisa iinjongo zakho zemali.

Ezinye iiakhawunti zogcino zinokunyanzelisa izithintelo zokurhoxisa okanye ziquka iindleko ezinxulumene neentengiselwano ezithile. Kubalulekile ukuqonda imigaqo kunye neemeko zeakhawunti yakho ngaphambi kokuba uyivule ukunqanda izinto ezothusayo.

Ukuqukumbela, a i-akhawunti yokugcina sisixhobo esixabisekileyo sezemali sokulondoloza nokukhulisa imali yakho. Ibonelela ngeenzuzo ezifana nokhuseleko, imali yokuhlawula amatyala, ukukwazi ukufumana inzala, kunye nokuziphatha kakuhle kwezemali.

Nangona kunjalo, kubalulekile ukuqwalasela izinto ezinokuthi zibe phantsi ezifana nenzala ephantsi kunye nezithintelo zokurhoxisa. Ngokucwangciswa kobulumko kunye nolawulo olunoxanduva, i-akhawunti yokonga inokukunceda ufezekise iinjongo zakho zemali zexesha elide.

🥀 Iakhawunti yangoku okanye iakhawunti yokujonga

Un i-akhawunti yangoku luhlobo lweakhawunti yebhanki evumela abantu ukuba balawule iintengiselwano zabo zemali zemihla ngemihla. Le yiakhawunti esetyenziselwa ukufaka nokutsala imali, ukwenza iintlawulo, ukufumana idiphozithi yomvuzo, nokulawula iindleko zemihla ngemihla.

Xa uvula i i-akhawunti yangoku, unokwenza idiphozithi yokuqala okanye utshintshe imali kwenye iakhawunti ekhoyo. Le akhawunti yenzelwe ukusetyenziswa rhoqo kwaye inika ufikelelo olukhulu kwimali yakho.

✔️ Izinto eziluncedo kwiiakhawunti zangoku

Omnye wemiba ebalulekileyo a i-akhawunti yangoku yiyo indawo yokufikelela kwiimali. Ungayikhupha imali usebenzisa ikhadi ledebhithi eliqhagamshelwe kwiakhawunti yakho, wenze iintlawulo ngetshekhi okanye utshintshele i-elektroniki, kwaye usebenzise neenkonzo zentlawulo ye-intanethi njengee-apps eziphathwayo okanye izipaji zedijithali.

Enye inzuzo enkulu yeakhawunti yangoku yi ukuba bhetyebhetye enikezelayo ngokolawulo lwemali. Unokwenza iidiphozithi kunye nokurhoxiswa nangaliphi na ixesha, kukuvumela ukuba ulawule ukuhamba kwemali yakho ngokufanelekileyo. Ngaphezu koko, unokuseta iintlawulo ezizenzekelayo ukuhlawula amatyala akho aqhelekileyo, okwenza kube lula ukulawula iimali zakho.

Iiakhawunti zangoku zinokusetyenziselwa ukufumana idipozithi yomvuzo. Umqeshi wakho unokufaka umvuzo wakho ngokuthe ngqo kwiakhawunti yakho yokutshekisha, ekuvumela ukuba ufikelele ngokukhawuleza kwiimali zakho kwaye uzisebenzisele iimfuno zakho zemihla ngemihla.

Enye inzuzo ebalulekileyo yi sécurité ezinikezelwa ziiakhawunti zangoku. Imali yakho ikhuselwe ziziqinisekiso zebhanki kunye nemimiselo, ukunciphisa umngcipheko welahleko okanye ubusela. Ukongeza, iibhanki zihlala zibonelela ngemilinganiselo eyongezelelweyo yokhuseleko njengokubeka iliso kwintengiselwano ekrokrisayo kunye nokukwazi ukuvimba ikhadi lakho ukuba lilahlekile okanye libiwe.

✔️ Ukungalunganga kweakhawunti yangoku

Nangona kunjalo, kukho imiqobo ekufuneka iqwalaselwe. Iiakhawunti zangoku ngamanye amaxesha zinokuqulatha iindleko njengemirhumo yokulungisa i-akhawunti, imali yetransekshini okanye iintlawulo zokusebenzisa iinkonzo ezongezelelweyo. Kubalulekile ukuqonda ezi ntlawulo kwaye ukhethe i-akhawunti yokutshekisha ehlangabezana neemfuno zakho zemali.

Isishwankathelo, iakhawunti yangoku ibonelela kakhulu ukuguquguquka kunye nokufikeleleka lula kwimali yakho yokulawula intengiselwano yakho yemihla ngemihla. Ikuvumela ukuba ufumane idiphozithi yomvuzo, wenze iintlawulo kwaye ulawule imali yakho yemihla ngemihla. Nangona kunjalo, kubalulekile ukuba uqaphele imirhumo ehambelanayo kwaye ukhethe i-akhawunti yokutshekisha ehlangabezana neemfuno zakho ezithile.

🥀 Iiakhawunti zentengiso yemali (CMM)

Les akhawunti kwimarike yemali (CMM) zi-akhawunti zotyalo-mali ezibonelelwa ngamaziko emali avumela abatyali-mali ukuba babeke imali yabo kwizixhobo zemali zexesha elifutshane. Ezi akhawunti zibonelela ngenye indlela kwiiakhawunti zogcino lwemveli kwaye zihlala zithathwa njengokhetho lotyalo-mali olunomngcipheko ophantsi.

Izibonelelo

Enye yeenzuzo eziphambili ze akhawunti kwimarike yemali yinto enokwenzeka yokufumana umvuzo inzala ephezulu xa kuthelekiswa neeakhawunti zogcino eziqhelekileyo. Ii-CMM zityala imali kwizibambiso zexesha elifutshane ezifana neebhili ze-Treasury, izatifikethi zediphozithi (CDs), kunye ne-high-quality bond corporate.

IiCMM nazo zibonelela ubukho bemali ephezulu. Oku kuthetha ukuba unokufikelela ngokukhawuleza kwimali yakho ngokukhupha imali okanye ukudlulisela imali kwi-akhawunti yakho yokutshekisha. Oku kwenza kube yinto ekhangayo kwabo bafuna ukuguquguquka kunye nokufumaneka ngokukhawuleza kweemali zabo.

Enye inzuzo yeeakhawunti zemalike yemali sécurité ukuba banikele. Ii-CMM zityala imali ngokuyintloko kwizixhobo zemali ezinobungozi obuphantsi, obunciphisa umngcipheko wokulahleka kwenkunzi. Ukongeza, ezi akhawunti zidla ngokuba yi-inshurensi karhulumente ukuya kuthi ga kwixabiso elithile, ebonelela ngokhuseleko olongezelelweyo kubatyali-mali.

✔️ Izinto ezingeloncedo

Nangona kunjalo, kubalulekile ukuqaphela ukuba iiakhawunti zeemarike zemali zinokuba nazo inconvénients. Amazinga enzala anxulumene nee-MMCs angatshintsha kwaye angachatshazelwa ziimeko zemarike. Ukongezelela, imbuyekezo kwi-CMM inokuba ngaphantsi kunezinye, iindlela zexesha elide zotyalo-mali, ezifana nezitokhwe okanye iibhondi.

Ngamafutshane, ii-akhawunti zemarike yemali zibonelela ngokhetho lotyalo-mali lwexeshana elifutshane olunokuba nembuyekezo ephezulu kuneeakhawunti zogcino lwemveli. Banikezela ngemali ephezulu yokuhlawula amatyala, ukhuseleko olwandisiweyo kunye nokwahluka kotyalo-mali.

🥀 Izatifikethi zediphozithi

Les izatifikethi zediphozithi (CD) zizixhobo zemali zexesha elifutshane ezibonelelwa ngamaziko emali. Bavumela abatyali-mali ukuba bafake isixa esithile semali ngexesha elimiselweyo kwaye bafumane inzala ngembuyekezo. Ii-CD zithathwa njengotyalo-mali olunomngcipheko ophantsi kwaye zibonelela ngembuyekezo ephezulu ngokubanzi kuneeakhawunti zogcino lwemveli.

Xa utyala imali kwi a isatifikethi sediphozithi, ukhetha ixesha elithile, elibizwa ngokuba lixesha lokuvuthwa. Eli xesha linokwahluka ukusuka kwiinyanga ezimbalwa ukuya kwiminyaka emininzi, kuxhomekeke kwiinjongo zakho zemali kunye nokunyamezela kwakho umngcipheko. Ngeli xesha, imali yakho ivaliwe kwaye awukwazi ukufikelela kuyo ngaphandle kwesohlwayo.

Izibonelelo

Enye yeenzuzo eziphambili ze izatifikethi zediphozithi yiyo sécurité ukuba banikele. Imali yakho idla ngokukhuselwa ngurhulumente ukuya kutsho kwisixa esithile, nto leyo ethetha ukuba nokuba iziko lezemali liyatshona, uya kuyifumana imali yakho yokuqala. Oku kuyenza ibe lutyalo-mali olunomtsalane kwabo bafuna ukhuseleko olongezelelweyo lokonga kwabo.

IiCD nazo zibonelela inzala esisigxina okanye ezahlukeneyo. Izinga lenzala elimiselweyo lithetha ukuba izinga lihlala lingatshintshi kubomi be-CD, ngelixa izinga eliguquguqukayo lingaguquguquka ngokusekelwe kwiimeko zemarike. Amazinga enzala eCD adla ngokuba phezulu kunee-akhawunti zokonga, nto leyo evumela abatyali-mali ukuba banandiphe imbuyekezo ephezulu kutyalo-mali lwabo.

✔️ Izinto ezingeloncedo

Olunye uphawu olubalulekileyo lwezatifikethi zediphozithi yi imali yokuhlawula amatyala elinganiselweyo. Ngexesha lokuvuthwa, awukwazi ukutsala imali yakho ngaphandle kwesohlwayo. Nangona kunjalo, xa iCD ivuthiwe, unokukhetha ukuyirhoxisa inqununu yakho yokuqala kunye nayo nayiphi na inzala eyongeziweyo.

Izatifikethi zediphozithi zibonelela ulwahlulo utyalo-mali. Ngokwenza utyalo-mali kwii-CD ezahlukeneyo ezinamaxesha okukhula ahlukanisiweyo, ungadala ileli yokukhula kwaye uzuze kungeniso oluzinzileyo njengoko iiCD zikhula.

🥀 Iakhawunti yebhanki yabantwana

Les iiakhawunti zebhanki zabantwanas ziiakhawunti ezilungiselelwe ngokukhethekileyo ukunceda abantwana bafunde indlela yokulawula imali yabo baze babe nemikhwa emihle yemali kwasebutsheni babo. Ezi akhawunti zidla ngokuvulwa ngabazali okanye ngabagcini abasemthethweni egameni lomntwana.

Inzuzo

Enye yeenzuzo eziphambili ze iiakhawunti zebhanki zabantwana lithuba lokufundisa abantwana ngexabiso lemali nokuphatha kakuhle imali. Ezi akhawunti zivumela abantwana ukuba bafake imali abayifumana njengezipho, kwiipokotho zabo okanye kuyo nayiphi na enye indawo. Oku kubanika ithuba lokufunda ukonga, ukusebenzisa imali ngobulumko nokubeka iinjongo zemali.

Iiakhawunti zebhanki zabantwana nazo zibonelela ukwanda kokhuseleko ngemali yabantwana. Iimali ezifakwe kwezi akhawunti zikhuselwa ngokubanzi ziziqinisekiso zebhanki kunye nemimiselo, ukunciphisa umngcipheko welahleko okanye ubusela. Oku kwenza abazali bazithembe besazi ukuba imali yabantwana babo ikhuselekile.

Ezi akhawunti zinokubonelela iimpawu ezikhethekileyo kubantwana. Ngokomzekelo, ezinye iibhanki zibonelela ngamakhadi okuhlawula akhethekileyo abantwana abavumela ukutsalwa kwemali okulinganiselweyo okanye iintlawulo ezilawulwayo. Oku kuvumela abantwana ukuba bafunde ukusebenzisa ikhadi ledebhithi ngokuthembekileyo kwaye baqonde iingqiqo zenkcitho kunye nemida yemali.

Ukongeza, iiakhawunti zebhanki zabantwana zinokuba lithuba elihle lokufundisa abantwana malunga ulawulo lomdla. Ezinye iiakhawunti zibonelela ngenzala ethile kubantwana, ebavumela ukuba babone indlela imali yabo enokukhula ngayo ngokuhamba kwexesha ngenzala abayifumeneyo.

Oku kunokuba yindlela esebenzayo yokukhuthaza ukonga ixesha elide kwaye ubethelele iimbono zenzala kunye nokusebenza kwemali.

🥀 Iakhawunti yomntu ngamnye yomhlalaphantsi

I-Akhawunti Yomhlalaphantsi Yomntu Ngamnye (IRA) luhlobo lweakhawunti yokonga eyenzelwe ukunceda abantu ukuba balondolozele umhlala-phantsi. Ii-IRAs zibonelela ngeenzuzo zerhafu kwaye zivumela abantu ukuba babekele bucala imali yekamva labo lezemali.

Enye yeenzuzo eziphambili ze Iakhawunti yomhlalaphantsi yomntu ngamnye lithuba lokuxhamla kwiinzuzo zerhafu. Ngokuxhomekeke kuhlobo lwe-IRA, iminikelo inokutsalwa irhafu, oku kuthetha ukuba unokunciphisa ingeniso yakho erhafiswayo kulo nyaka werhafu. Iinzuzo ezenziwe kwi-akhawunti nazo azihlawulelwa rhafu ude uqalise ukutsala imali xa uthatha umhlala-phantsi.

Ii-IRA nazo zibonelela ukwahluka kokhetho lotyalo-mali. Unokukhetha kuluhlu lweendlela zotyalo-mali, ezifana nezitokhwe, iibhondi, iimali ezihlangeneyo kunye nezatifikethi zediphozithi, kuxhomekeke kukunyamezela kwakho umngcipheko kunye neenjongo zemali. Oku kukuvumela ukuba wenze ipotfoliyo eyohlukeneyo enokukhula ngokuhamba kwexesha.

Olunye uncedo oluphambili lweakhawunti yomhlalaphantsi ngumntu ukuba bhetyebhetye ukuba inikezela ngokwemiqathango yokurhoxiswa. Nangona kukho izithintelo zobudala kunye nezohlwayo zokurhoxa kwangoko, ungaqala ukurhoxisa imali xa uneminyaka engama-59½ ngaphandle kwesohlwayo. Oku kukuvumela ukuba ucwangcisele umhlala-phantsi wakho kwaye ube nemali yokuhlawula iimfuno zakho zemali zexesha elide.

🌿 Ngamafutshane...

Nokuba ukhangela i-akhawunti yangoku yokulawula iintengiselwano zakho zemihla ngemihla, i-akhawunti yokonga ukwenza khulisa ukonga kwakho, i-akhawunti yemalike yemali yotyalo-mali lwexesha elifutshane okanye i-akhawunti yomhlalaphantsi yomntu ukulungiselela ikamva lakho lezemali, kukho iindlela ezikhoyo.

Iiakhawunti zebhanki eAfrika zibonelela ngeenzuzo ezifana nokhuseleko, ukufikelela lula kwiimali, ukwahluka kotyalo-mali kunye namathuba okufunda ngemali. Nokuba ungumntu, usomashishini okanye ishishini, kubalulekile ukukhetha uhlobo lweakhawunti olulungela iimfuno zakho kunye nemeko yakho yezemali.

Nokuba yeyiphi iakhawunti yebhanki oyikhethayo e-Afrika, kubalulekile ukugcina ulawulo lwemali olunoxanduva kwaye usebenzele kwiinjongo zakho zezimali zexesha elide. Iiakhawunti zebhanki zinokudlala indima ephambili ekuphumezeni iminqweno yakho yezemali kwaye zibe negalelo kuzinzo lwakho lwezezimali kunye nokukhula koqoqosho lwakho.

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

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