Vula i-akhawunti yebhanki ye-intanethi ye-100%.

Namhlanje, ukuvula i iakhawunti yebhanki 100% I-intanethi ibe lula kakhulu. Nabanye iibhanki ze-intanethi, yonke into iyenzeka ngoku. Akukho mfuneko yokuya kwi-arhente kwaye ulinde iiyure! Ngokucofa nje okumbalwa kwikhompyuter yakho okanye kwi-smartphone, unokufikelela kwibhanki yale mihla, eyongayo efikelelekayo ngalo lonke ixesha.

Le nkqubo demateriaized ineenzuzo ezininzi ngokwemiqathango ukulula kunye nesantya. Kodwa lumka, kukho amanyathelo aphambili ambalwa ekufuneka uwalandele ukugqiba ngempumelelo le nkqubo.

Kwesi sikhokelo sibanzi, Finance de Demain iinkcukacha inyathelo ngenyathelo inkqubo yokulandela ukuvula kunye vula iakhawunti yakho yebhanki ye-intanethi. Ngombulelo kwezi ngcebiso zixabisekileyo, uya kukuphepha imigibe kwaye usebenzise ngokupheleleyo i-akhawunti yakho ye-intanethi ye-100%. Kodwa ngaphambi kokuba siqale, nantsi indlela Ukutyala imali kwi-real estate step by step. Nako sisiya!

Vula iakhawunti kwi-intanethi

Xa ucinga ngokuvula iakhawunti yebhanki 100% kwi-intanethi, ukukhetha ibhanki ye-intanethi linyathelo elibalulekileyo. Fumana malunga nodumo lwebhanki ye-intanethi oyicingayo. Jonga amandla ayo emali, amava kwishishini lebhanki kunye nophononongo lwabathengi abakhoyo. Ibhanki ekwi-intanethi esekwe kakuhle nethembekileyo iya kukunika uxolo lwengqondo malunga nokhuseleko lwemali yakho.

Thelekisa imirhumo kunye namaxabiso anikezelwa ziibhanki ezahlukeneyo ze-intanethi. Qinisekisa ukuba uyayiqonda imirhumo ehambelana nokutshekisha ii-akhawunti, amakhadi okuthenga ngetyala, ukudluliselwa kwemali kunye nezinye iinkonzo zebhanki. Khangela iibhanki ze-intanethi ezibonelela ngeentlawulo ezikhuphisanayo kunye nezicacileyo, ngelixa uhlangabezana neemfuno zakho ezithile.

Phonononga iinkonzo kunye neempawu ezibonelelwa yibhanki nganye ye-intanethi. Jonga ukuba banikezela ngeeakhawunti zogcino ezinenzala enomtsalane, iinketho zemali-mboleko, iinkqubo zokuwonga, izixhobo zolawulo lwemali, kunye neapps eziphathwayo ezisebenziseka lula. Khetha ibhanki ye-intanethi enikezela ngeenkonzo ozifunayo ukulawula imali yakho ngokufanelekileyo.

Qinisekisa ibhanki ye-intanethi inikeza ukufikelela ngokulula kwiiakhawunti zakho usebenzisa iqonga le-intanethi elisebenziseka lula kunye nesicelo esisebenzayo esiphathwayo. Kwakhona khangela iinketho ezikhoyo zenkxaso yabathengi, ezifana namaziko okufowuna, iingxoxo ezibukhoma, kunye nee-FAQ ze-intanethi. Inkxaso elungileyo yabathengi ibalulekile ukuba unayo nayiphi na ingxaki okanye imibuzo.

Ukhuseleko lubaluleke kakhulu xa kuziwa ekukhetheni ibhanki ye-intanethi. Khangela amanyathelo okhuseleko abekwe yibhanki ukukhusela idatha yakho yobuqu kunye nemali. Khangela iimpawu ezifana uqinisekiso lwezinto ezimbini, uguqulelo oluntsonkothileyo lwedatha kunye nokubekw’ esweni okukhawulezileyo ngokuchasene nomsebenzi wobuqhophololo.

✨ Lungiselela amaxwebhu ayimfuneko axhasayo

Xa uza kuvula i I-100% yeakhawunti yebhanki ye-intanethi, Kubalulekile ukulungiselela amaxwebhu afunekayo axhasayo ukuququzelela inkqubo yokuvula i-akhawunti. Nanga amaxwebhu adla ngokucelwa ziibhanki ze-intanethi:

✔ Incwadi yesazisi

Lungiselela ikopi yesazisi sakho esisebenzayo, esifana nekhadi lesazisi, incwadana yokundwendwela okanye ilayisenisi yokuqhuba. Qinisekisa ukuba ikopi icacile kwaye iyafundeka.

✔ Ubungqina bedilesi

Uninzi lweebhanki ezikwi-Intanethi zifuna ubungqina bamva nje bedilesi, zihlala zingaphantsi kweenyanga ezintathu ubudala. Oku kunokuba yibhili esetyenziswayo (umbane, amanzi, igesi), i-landline okanye i-mobile phone bill, isitatimenti sebhanki okanye ubungqina bendawo yokuhlala.

✔ Iingxelo zeakhawunti

Ezinye iibhanki ezikwi-intanethi zinokukucela ukuba unikezele ngeengxelo zeakhawunti yebhanki kwiinyanga ezimbalwa ezidlulileyo ukusuka kwelinye iziko lezemali. Oku kunokubanceda ukuba bahlole imbali yakho yezemali kunye nokufaneleka kwakho ngetyala.

✔ Ulwazi lomntu

Kwakhona lungiselela iinkcukacha zakho zobuqu ezifana negama lakho elipheleleyo, idilesi yemeyile, inombolo yomnxeba kunye nedilesi ye-imeyile. Kuya kufuneka unikezele ngolu lwazi xa ufaka isicelo sokuvula i-akhawunti.

✔ Ubungqina bengeniso

Ngokuxhomekeke kwiimfuno zebhanki ye-intanethi, unokucelwa ukuba unikeze ubungqina bengeniso, njenge-stubs yentlawulo, izaziso zerhafu okanye iingxelo zebhanki ezibonisa iidiphozithi eziqhelekileyo.

Kubalulekile ukujonga iimfuno ezithile zebhanki nganye ye-intanethi, njengoko kunjalo inokwahluka kancinci. Qinisekisa ukuba unawo onke amaxwebhu afunekayo phambi kokuba uqalise inkqubo yokuvula iakhawunti kwi-intanethi. Oku kuya kukuvumela ukuba ugcwalise isicelo sakho ngokukhawuleza nangempumelelo. Ngokuxhomekeke kwimeko yakho, amanye amaxwebhu anokufuneka (i-visa, imvume yokuhlala, isicatshulwa se-Kbis, njl.). Jonga iwebhusayithi yebhanki kwangaphambili.

✨ Zalisa ifom ye-intanethi

Nje ukuba ukhethe ibhanki yakho, ungagcwalisa ifomu yesicelo sokuvula iakhawunti ngokuthe ngqo kwi-intanethi. Ukusekwa kuya kukubuza imibuzo emininzi: iinkcukacha zoqhagamshelwano, imeko yobungcali kunye nosapho, umvuzo, njl. njl. Phendula ngenyameko kuzo zonke izicelo, uncamathisele amaxwebhu afunekayo axhasayo kwifomathi yekhompyutha. Emva koko uqinisekise isicelo sakho, kwaye ifayile yakho ithunyelwe ebhankini!

✨ Ukuqinisekiswa yibhanki

Xa uvula i I-100% ye-akhawunti yebhanki ye-intanethi, ibhanki iya kwenza uqinisekiso lwesazisi kunye nolwazi. Ukubhankisha kwi-Intanethi kuya kusebenzisa iindlela zokuqinisekisa ukuba ungubani umntu othi unguye. Oku kunokwenziwa ngokunikezela ngeenkcukacha zakho ezifana negama lakho elipheleleyo, umhla wokuzalwa, idilesi, kunye namaxwebhu ezazisi afana nesazisi sakho okanye incwadi yokundwendwela.

Ibhanki ye-intanethi iya kuphonononga amaxwebhu axhasayo onike wona, anjengesazisi sakho kunye nobungqina bedilesi, ukuqinisekisa ukuba achanekile. ukunyaniseka kunye nokuhambelana kwazo iimfuno zolawulo. Kwezinye iimeko, ibhanki ye-intanethi inokwenza iitshekhi ezongezelelweyo, ezifana nokutshekisha ngetyala okanye imvelaphi, ukuvavanya ukufaneleka kwakho kwekhredithi kunye nembali yemali.

Ezinye iibhanki ze-intanethi zinokusebenzisa inkqubo yokuchonga ividiyo ukuqinisekisa ukuba ungubani. Oku kubandakanya incoko ebukhoma kunye ne-arhente yebhanki ngenkomfa yevidiyo, apho kuya kufuneka ubonise isazisi sakho kwaye uphendule imibuzo yokhuseleko. Kanye uqinisekiso lugqityiwe, Ibhanki ekwi-intanethi idla ngokukuthumelela i-imeyile okanye isiqinisekiso seSMS ukukwazisa ukuba i-akhawunti yakho ibiyiyo ivulwe ngempumelelo.

✨ Ukwamkelwa (okanye ukwaliwa) kwesicelo

Emva koko ufumana nge-imeyile isigqibo sebhanki malunga nesicelo sakho seakhawunti ye-intanethi: isivumelwano okanye ukwala. Ukuba yamkelwe, halala! Iakhawunti yakho yebhanki ye-intanethi ivuliwe. Uya kufumana iinkcukacha zakho zokungena kwaye ukwazi ukuqalisa ukuyisebenzisa. Ukuba isicelo sakho saliwe, ungatyhafi! Ibhanki nganye ineenqobo zayo. Nceda uzame kwakhona kwenye indawo.

✨ Ukuvulwa kweakhawunti kwi-Intanethi

Nje ukuba iakhawunti yakho iqinisekisiwe, kusafuneka uyivule. Ukwenza oku, ngena kwindawo yabathengi bebhanki yakho usebenzisa izazisi ozifumeneyo. Uya kucelwa ukuba ukhethe iikhowudi zakho eziyimfihlo, ulayishe i-RIB/IBAN yakho, uvule ikhadi lakho lebhanki, njl. Thatha ixesha lokuqwalasela ngokufanelekileyo zonke iisetingi zeakhawunti yakho ngexesha lokuvula, ibalulekile.

Kwaye unayo, i-100% yeakhawunti yakho yebhanki ekwi-intanethi iyasebenza! Ngoku ungayisebenzisa ukulawula iimali zakho zemihla ngemihla ngokuzimeleyo.

Faka imali kwiakhawunti yakho ye-intanethi

Xa sele uvule iakhawunti yebhanki 100% kwi-intanethi, Lixesha lokuyixhasa ngemali ukuze uqalise ukuyisebenzisa. Nazi ezinye iindlela eziqhelekileyo zokuxhasa ngemali iakhawunti yakho ye-Intanethi:

✔️ Ukudluliselwa kwebhanki

Ungayidlulisela imali kwi-akhawunti yebhanki ekhoyo ngokwenza utshintshiselwano lwebhanki. Ukwenza oku, kufuneka usebenzise ulwazi lwakho lwe-akhawunti yebhanki entsha ye-intanethi ukuseta ukudluliselwa kwi-akhawunti yakho yebhanki ekhoyo. Amaxesha okusebenza anokwahluka ngokwebhanki, kodwa ukudluliselwa kwe-elektroniki ngokuqhelekileyo kuyakhawuleza kwaye kukhuselekile.

✔️ Jonga idiphozithi

Ezinye iibhanki ze-intanethi zikuvumela ukuba ufake idiphozithi iitsheki usebenzisa i-app yabo yeselula. Konke okufuneka ukwenze kukuthatha umfanekiso wetshekhi kwaye uyithumele nge-app. Iimali ziya kufakwa kwiakhawunti yakho xa itshekhi igqityiwe, nto leyo enokuthatha iintsuku ezimbalwa. Ungasebenzisa ikhadi letyala okanye debit ukwenza idiphozithi ngqo kwi-akhawunti yakho yebhanki online. Ukuqhubekeka kudla ngokukhawuleza, kodwa kunokubakho iintlawulo ezinxulumene nokusebenzisa le ndlela.

✔️ Ukudluliselwa kwemali kwi-Intanethi

Iinkonzo zokudlulisela imali kwi-Intanethi njengePayPal okanye iTransferWise nazo zinokusetyenziselwa ukuxhasa ngemali iakhawunti yakho yebhanki ekwi-Intanethi. Ungathumela imali ngokuthe ngqo kwiakhawunti yakho yePayPal okanye U tshintshelwa kwiakhawunti yakho yebhanki ye-intanethi. Qiniseka ukuba ujonga imirhumo ehambelana nale ndlela ngaphambi kokuba uyisebenzise.

Kubalulekile ukujonga imigaqo-nkqubo kunye neentlawulo ezinxulumeneyo kwindlela nganye phambi kokuba uxhase ngemali iakhawunti yakho yebhanki ekwi-intanethi. Kwakhona qiniseka ukuba usebenzisa indlela ekhuselekileyo nekhuselekileyo yokukhusela iimali zakho kunye nolwazi lobuqu. Nje ukuba iakhawunti yakho ixhaswe ngemali, unoku-odola iindlela zakho zokuhlawula: ikhadi lebhanki, incwadi yetshekhi... Kuxhomekeke kwibhanki, ikhadi linokunikwa ngokuzenzekelayo okanye xa liceliwe. Incwadi yetshekhi iyakhethwa ngokubanzi kwiiakhawunti ze-intanethi. Nje ukuba iodolwe, ikhadi kunye nencwadi yetshekhi ziya kuthunyelwa kwikhaya lakho phakathi kweentsuku ezimbalwa zokusebenza ngeposi ekhuselekileyo. Emva koko unokwenza eyakho iintlawulo zokuqala kunye notsalo!

Nxulumanisa abaxhamli bakho

Xa une-akhawunti yebhanki ekwi-Intanethi, unokunxulumana nabaxhamli ukuququzelela ukudluliselwa kwemali. Ngena kwiakhawunti yakho yebhanki ye-intanethi usebenzisa iinkcukacha zakho zokungena. Jonga ukhetho okanye ithebhu ekuvumela ukuba ulawule abaxhamli bakho okanye udluliselo lwemali. Khetha ukhetho lwe yongeza umxhamli omtsha. Kuya kufuneka unikezele ngolwazi oluyimfuneko, olufana negama elipheleleyo lomxhamli, inombolo ye-akhawunti yebhanki, ikhowudi ye-BIC/IBAN (udluliselo lwamazwe ngamazwe) kunye nezinye iinkcukacha ezifunwa yibhanki yakho.

Phambi kokuqinisekisa ukongezwa komxhamli, qiniseka ukuba ujonga ngononophelo ulwazi olunikileyo. Oku kuqinisekisa ukuba ukudluliselwa kwemali kuya kwenziwa ngokuchanekileyo. Nje ukuba uziqinisekisile iinkcukacha, qinisekisa ukongezwa komxhamli ngokulandela imiyalelo evela kwibhanki yakho ye-intanethi. Kusenokubakho inyathelo le ukuqinisekiswa okongeziweyo, njengekhowudi yokuqinisekisa ethunyelwe ngeSMS okanye nge-imeyile. Nje ukuba unxulumanise umxhamli kunye neakhawunti yakho yebhanki ekwi-intanethi, ungakhetha ngokulula lo mntu ngexesha lakho elizayo lokudluliselwa kwemali.

Ukuba utshintsha iibhanki, mhlawumbi uya kufuna ukufudusa iintengiselwano zakho eziqhelekileyo kwiakhawunti yakho entsha ye-intanethi. Ukwenza oku, yenza uluhlu lwazo zonke utshintshelo lwakho kunye neentlawulo ngqo phinda-phinda. Yazisa umbutho ngamnye kwaye utshintshe iinkcukacha zakho zebhanki kwi-IBAN yakho kwi-intanethi, mhlawumbi ngewebhusayithi yabo okanye ngeposi. Kuyadika kodwa kuyimfuneko. Emva koko uya kukwazi ukulawula zonke iimali zakho kwi-akhawunti yakho ye-100% ye-intanethi!

Nje ukuba yonke imisebenzi yakho ifudusiwe, ungaqhubeka nokuvala i-akhawunti yakho yebhanki yangaphambili. Gcwalisa uxwebhu lwebhanki lokushukuma olubonelelwa yibhanki yakho entsha ye-intanethi. Ukuvalwa kuya kucelwa ngokuzenzekelayo kwibhanki yakho endala kunye nokudluliselwa kwemali eseleyo. Akusekho mfuneko yakuzikhathaza ngayo. Ukufudukela kwakho ebhankini ukuya i-100% kwi-intanethi iphelile !

Ukuvula iakhawunti yebhanki kwi-Intanethi ngumdlalo wabantwana ngoku, fast and paperless. Kuthatha kuphela ukucofa okumbalwa kwaye unokufikelela kwibhanki yanamhlanje kunye neyoqoqosho, efikelelekayo iiyure ezingama-24 ngosuku kuzo zonke izixhobo zakho. Ngokulandela le nkqubo inyathelo nenyathelo, uya kunqanda imigibe kwaye ukwazi ukuthatha ithuba le-akhawunti yakho ye-24% ye-intanethi ngokugqibeleleyo. Akukho mfuneko yokuba uye kwi-arhente!

Loluphi uhlobo lweakhawunti yebhanki eyenziwe eAfrika?

I-Afrika, ilizwekazi elinoqoqosho olupheleleyo, libonelela ngeendlela ezahlukeneyo ezinokwenzeka ngokweenkonzo zebhanki. Pha ukwenziwa kweakhawunti yebhanki elungiselelwe iimfuno zemali zomntu ngamnye kunye neenjongo kubalulekile ukukhuthaza ukukhula koqoqosho kunye nokuququzelela ukufikelela kwiinkonzo zemali.

Iakhawunti yokonga

Iakhawunti yokonga luhlobo lweakhawunti ebonelelwa ngamaziko emali evumela abantu ukuba bafake imali yabo ngenjongo yokonga nokukhulisa imali abayigcinayo. Inika isisombululo esisebenzayo sokubeka bucala imali kunye nokwenza ukuba ikhule 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 ekufezekiseni 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 lihleli ixesha elithile, ngelixa izinga lenzala eliguquguqukayo linokutshintsha ngokuxhomekeke kwiimeko zemarike kunye nemigaqo-nkqubo yebhanki okanye yeziko lezemali. Kubalulekile ukuqonda uhlobo lwenzala ehambelana neakhawunti yakho.

✔️ Izibonelelo zeakhawunti 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 kukwenza ube noxolo lwengqondo ukwazi ukuba imali oyongileyo iyafumaneka ngexesha likaxakeka okanye ukuphumeza iiprojekthi ezibalulekileyo. Iiakhawunti zogcino zikwasisixhobo esibalulekileyo sokufikelela kwakho iinjongo zemali.

Nokuba ulondolozela ukuthenga okukhulu, njengekhaya okanye imoto, okanye ucwangcisela umhlalaphantsi, i-akhawunti yokonga ingakunceda ukuba wakhe ingxowa-mali eqinileyo. Ikuvumela ukuba ubeke imali ecaleni 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, ugwema inkcitho enganyanzelekanga kwaye ugxile kwinjongo yokonga. Ikunceda 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. Ke ngoko, kubalulekile ukuqwalasela ezi zinto xa ucwangcisa iinjongo zakho zemali. Ezinye iiakhawunti zogcino zinokunyanzelisa izithintelo zokurhoxisa okanye ziquka iindleko ezinxulumene neentengiselwano ezithile. Kubalulekile ukuqonda ngokupheleleyo imigaqo kunye neemeko zeakhawunti yakho ngaphambi kokuba uyivule ukuze uphephe izinto ezothusayo.

Ukuqukumbela, a i-akhawunti yokugcina sisixhobo esixabisekileyo sezemali sokulondoloza nokukhulisa imali yakho. Ibonelela ngeenzuzo ezifana nokhuseleko, ukuhlawula amatyala, ukukwazi ukufumana inzala kunye nokuziphatha kakuhle kwezemali. Nangona kunjalo, kubalulekile ukuqwalasela iingxaki ezinokubakho ezifana nenzala ephantsi kunye nezithintelo zokurhoxisa. Ngokucwangciswa kobulumko kunye nolawulo olunoxanduva, i-akhawunti yokonga inokukunceda ufezekise iinjongo zakho zemali zexesha elide.

I-akhawunti yangoku okanye i-akhawunti yokujonga

Iakhawunti yangoku luhlobo lweakhawunti yebhanki evumela abantu ukuba balawule iintengiselwano zabo zemali zemihla ngemihla. Le yiakhawunti esetyenziselwa ukufaka nokutsala imali, ukwenza iintlawulo, ukufumana idipozithi 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 ukufikeleleka lula kwiimali. Ungayikhupha imali usebenzisa ikhadi ledebhithi elihambelana neakhawunti yakho, wenze iintlawulo ngetshekhi okanye ngotshintshiselwano ngefowuni, kwaye usebenzise neenkonzo zentlawulo ye-intanethi ezinjengee-apps eziphathwayo okanye izipaji zedijithali.

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

Iiakhawunti zangoku zinokusetyenziselwa ukufumana idipozithi yomvuzo. Umqeshi wakho unokufaka intlawulo yakho ngqo kwiakhawunti yakho yokutshekisha, ekuvumela ukuba ufikelele ngokukhawuleza iimali zakho kwaye uzisebenzise kwiimfuno 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.

✔️ Ububi beakhawunti yokujonga

Nangona kunjalo, kukho imiqobo ekufuneka iqwalaselwe. Iiakhawunti zangoku ngamanye amaxesha zinokuqulatha iindleko njengemirhumo yokugcinwa kwe-akhawunti, iimali zentengiselwano okanye iimali zokusebenzisa iinkonzo ezongezelelweyo. Kubalulekile ukuqonda ezi ntlawulo kwaye ukhethe i-akhawunti yokutshekisha ehambelana neemfuno zakho zemali.

Isishwankathelo, iakhawunti yangoku ibonelela kakhulu ukuguquguquka kunye nokufikeleleka lula kwimali yakho yokulawula intengiselwano yakho yemihla ngemihla. Ikuvumela ukuba ufumane iidiphozithi zokuhlawula, 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 zemarike yemali (CMM)

Iiakhawunti zeemarike zemali (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.

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.

Nangona kunjalo, kubalulekile ukuqaphela ukuba iiakhawunti zeemarike zemali zinokuba nazo inconvénients. Inzala enxulumene nee-CMM inokuguquguquka kwaye inokuchatshazelwa ziimeko zemarike. Ukongezelela, ukubuyisela i-CMM kunokuba ngaphantsi kunezinye iindlela zotyalo-mali lwexesha elide, ezifana nezitokhwe okanye iibhondi.

Izatifikethi zediphozithi

Izatifikethi zedipozithi (CD) zizixhobo zemali zexesha elifutshane ezibonelelwa ngamaziko emali. Bavumela abatyali-mali ukuba bafake inani elithile lemali kwixesha elimiselweyo kwaye bafumane inzala ngembuyekezo. IiCD zithathwa njengotyalo-mali olunomngcipheko ophantsi kwaye zibonelela ngokubanzi ngembuyekezo ephezulu 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 kuthi ga kwixabiso elithile, nto leyo ethetha ukuba nokuba iziko lezemali liyasilela, uya kufumana imali yakho yokuqala. Oku kwenza kube lutyalo-mali olunomtsalane kwabo bafuna ukhuseleko olongeziweyo lokonga kwabo.

IiCD nazo zibonelela inzala esisigxina okanye ezahlukeneyo. Izinga lenzala esisigxina lithetha ukuba izinga lihlala lihleli ixesha elide kwi-CD, ngelixa izinga eliguquguqukayo lingaguquguquka ngokusekelwe kwiimeko zemarike. Inzala ye-CD idla ngokuba phezulu kunenzala ye-akhawunti yokonga, nto leyo evumela abatyali-mali ukuba bafumane 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

Iiakhawunti zebhanki zabantwana 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.

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 zidla ngokukhuselwa 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 kunceda abantwana 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 iikhonsepthi zenzala kunye nembuyekezo yemali.

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. Umvuzo owenziwe kwiakhawunti nawo awuhlawulelwa 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 olungundoqo kwi-akhawunti yomntu ngamnye yomhlalaphantsi kuku ukuba bhetyebhetye ukuba inikezela ngokwemiqathango yokurhoxiswa. Nangona kukho izithintelo zobudala kunye nezohlwayo zokurhoxiswa kwangoko, unokuqala ukurhoxisa imali ukusukela kwiminyaka engama-59 ½ ngaphandle kwesohlwayo. Oku kukuvumela ukuba ucwangcisele umhlala-phantsi wakho kwaye ube nemali yokuhlawula iimfuno zakho zemali zexesha elide.

Kodwa ngaphambi kokuba uhambe, nantsi indlela Bukho kwiwebhusayithi yakho kwiinyanga ezi-3