Okufanele ukwazi ngama-akhawunti asebhange ezingane

Kungani udale i-akhawunti yasebhange yezingane? Yethula izingane zakho ku ukuphathwa kwemali kusenesikhathi kubalulekile ukubafundisa umuzwa wokuzibophezela kanye nenani lokonga. Ukuze ubasekele ngobumnene, akukho okufana ne-akhawunti yasebhange esegameni labo kusukela besebancane kakhulu!

Kodwa phakathi kwezipesheli ezihlukene ezivela emabhange, izindlela zokusebenza noma izinyathelo okufanele uzithathe, ukuvula i-akhawunti enjalo akulula ngaso sonke isikhathi kubazali.

Kulesi sihloko, thola konke odinga ukukwazi ngaphambi kokuthathela ingane yakho encane i-akhawunti yasebhange: kusukela kumuphi iminyaka, hlobo luni lwe-akhawunti ongalukhetha, indlela yokuxhasa nokuvikela i-akhawunti, izinzuzo zentela kanye nefa, umthwalo wemfanelo womzali ... izici eziningi ezibalulekile zokwenza ukukhetha okufanele!

Ngenxa yazo zonke izeluleko zethu ezinemininingwane, uzokwazi ukuvulela ingane yakho i-akhawunti yasebhange ngomoya ophansi futhi uze uyisekele ekuphatheni ukuthengiselana kokuqala ngokuvikeleka okuphelele nokuzethemba. Asambe !

🥀 Ithini i-akhawunti yasebhange yezingane?

I-akhawunti yasebhange yengane yi- i-Current Account noma i-akhawunti yokonga evulwe egameni lengane encane, ngemvume yabameleli babo abasemthethweni (abazali noma ababheki).

Inhloso ithi ukuthwasa ingane mayelana nokuphathwa kwemali kusukela esemncane. Ngaphansi kokulawula kwabazali, le akhawunti imvumela ukuthi aqale ukulondoloza imali yephakethe, imali engenayo encane, noma imali enikezwe usuku lokuzalwa, isibonelo.

Ngokuqondile, le akhawunti isebenza njenganoma iyiphi enye i-akhawunti yasebhange. Ingane inekhadi layo lokuhoxiswa futhi ingakwazi ukulenza ukudluliselwa noma ukuhoxiswa ngaphansi kolawulo lomzali. Ezinye izikhungo zinikeza ngisho nezinhlelo zokusebenza ezijabulisayo zokuqwashisa ngebhajethi.

Intshisekelo futhi iwukujwayelanisa izingane nomhlaba wamabhange futhi kugxiliswe kuzo ukubaluleka kwemali nokonga ngenhloso yamaphrojekthi azayo. I-akhawunti ivamise ukudluliswa lapho efinyelela iminyaka yobudala eningi egameni lakhe kuphela.

🥀 Asebenza kanjani ama-akhawunti okonga ezingane?

Ama-akhawunti okonga ezingane ngokuvamile asebenza ngendlela efanayo ama-akhawunti okonga ngokwesiko, kodwa zenzelwe ngokukhethekile ukusiza abazali bonge imali yezingane zabo. Nawa amaphuzu abalulekile okufanele uzazi:

Ukuvula i-akhawunti: Abazali noma ababheki abasemthethweni bangavula i-akhawunti yokonga yengane yabo ebhange noma isikhungo sezezimali. Kungase kudingeke imibhalo kamazisi.

Idiphozithi: Abazali bangenza idiphozi evamile noma eyodwa ku-akhawunti yokonga yengane yabo. Amanye ama-akhawunti angase abe nezimfuneko zediphozithi zokuqala eziphansi.

Izintshisekelo: Ama-akhawunti okonga ezingane ngokuvamile azuza inzalo emalini efakiwe. Izilinganiso zenzalo zingahluka kuye ngesikhungo sezimali kanye nenani lemali ku-akhawunti.

Ukuhoxiswa: Ukuhoxiswa ku-akhawunti yokulondoloza kungase kube nomkhawulo noma kuncike ezimweni ezithile. Amanye ama-akhawunti angase abe nezijeziso zokuhoxa ngaphambi kwesikhathi.

Izinzuzo zezezimali : Kwamanye amazwe, ama-akhawunti okonga ezingane angase anikeze izinzuzo zentela, njengokukhululwa enteleni enzuzweni ezuziwe.

Kunconywa ukuthi uthintane nesikhungo sakho sezezimali ukuze uthole ulwazi oluthile mayelana nama-akhawunti okonga ezingane, njengoba imininingwane ingahluka ngezwe nesikhungo.

🥀 Izinzuzo ze-akhawunti yokonga yezingane

Ama-akhawunti okulondoloza ezingane anikeza izinzuzo ezimbalwa. Nazi ezinye zazo:

Imfundo yezezimali: Ama-akhawunti okonga ezingane avumela abazali ukuba baqale ukufundisa izingane zabo izimiso zokonga, zokuphatha imali, nomthwalo wemfanelo wezezimali kusukela zisencane.

Ukukhula kwemali: Izimali ezifakwe ku-akhawunti yokonga yezingane zingathola inzalo, okusho ukuthi imali ingakhula ngokuhamba kwesikhathi. Lokhu kungasiza ukwakha imali yezindleko zesikhathi esizayo, njengemfundo ephakeme noma ukuthenga imoto yakho yokuqala.

Ukuvikelwa kwezimali: Ama-akhawunti okonga ezingane ngokuvamile avikelekile futhi avikela izimali ezifakiwe. Banikeza indlela ephephile yokubeka imali eceleni yekusasa lengane.

Izinzuzo zezezimali : Kwamanye amazwe, ama-akhawunti okonga ezingane angase afanelekele izinzuzo zentela, njengokukhululwa enteleni enzuzweni ezuziwe. Lokhu kungavumela umnotho ukuthi ukhule ngokushesha.

Ukuhlelwa kwezimali: Ngokuvulela ingane yabo i-akhawunti yokonga, abazali bangaqala ukuhlela ngokwezimali izindleko zesikhathi esizayo, njengemfundo, ukuvakasha noma ukuthenga ikhaya.

Kubalulekile ukuqaphela ukuthi izinzuzo ezithile zingahluka kuye ngezwe nesikhungo sezezimali. Ngakho-ke kunconywa ukuthi uthintane nebhange lakho noma isikhungo sakho sezezimali ukuze uthole ulwazi oluningiliziwe ngezinzuzo ezithile ezinikezwa ama-akhawunti okonga ezingane.

🥀 Okubi kwe-akhawunti yokonga yezingane

Nakuba ama-akhawunti okonga ezingane enikeza izinzuzo eziningi, kuphinde kube nokwehla okungaba khona okufanele kucatshangelwe.

A kusimo esingase sibe khona umkhawulo wokuhoxiswa. Amanye ama-akhawunti okonga ezingane angase alinganisele inombolo noma inani lokuhoxiswa kwemali, okungenza imali ingafinyeleli kalula ngezikhathi zesidingo esiphuthumayo. Kubalulekile ukuhlola izimo ezithile zokuhoxiswa kwe-akhawunti ngaphambi kokuvulela ingane yakho eyodwa.

Okunye okungalungile okungaba khona yi- isivuno okungenzeka sibe phansi. Izilinganiso zenzalo ezinikezwa kuma-akhawunti okonga ezingane zingase zibe ngaphansi kunezinye izinketho zokutshalwa kwezimali noma ukutshalwa kwezimali. Lokhu kusho ukuthi ukukhula kwemali kungahamba kancane uma kuqhathaniswa nezinye izindlela.

Ukwengeza, kwamanye amazwe, izimali ezigcinwe ku-akhawunti yokonga yezingane zingase zicatshangelwe lapho kubalwa ukufaneleka kosizo lwezezimali lwemfundo ephakeme. Lokhu kungase kunciphise inani losizo lwezezimali olungatholwa ingane yakho.

Amanye ama-akhawunti okonga ezingane nawo angase abangele izimali zokuphatha noma amanye amacala. Kubalulekile ukuqonda izinkokhelo ezihlobene ne-akhawunti ngaphambi kokuyivula.

Ekugcineni, kukhona a ingozi yokwehla kwamandla emali. Uma izilinganiso zenzalo ezinikezwa i-akhawunti yokonga yezingane ziphansi kunezinga lokwehla kwamandla emali, kungaholela ekulahlekelweni kwamandla okuthenga ngokuhamba kwesikhathi.

Kubalulekile ukucabangela lokhu bubi obungase bube khona futhi ulinganise ngezinzuzo ngaphambi kokuthatha isinqumo sokuvula i-akhawunti yokonga yezingane. Kunconywa ukuthi uxhumane nesikhungo sakho sezezimali ukuze uthole ulwazi oluthile mayelana nokubi okungaba khona kwama-akhawunti okonga ezingane ezweni lakini.

🥀 Ngiyivula kanjani i-akhawunti yokonga yezingane?

Ukuze uvule i-akhawunti yokonga yezingane, landela lezi zinyathelo:

Khetha isikhungo sezezimali: Thola mayelana namabhange ahlukene noma izikhungo zezezimali ezihlinzeka ngama-akhawunti okonga ezingane. Qhathanisa okunikezwayo, izilinganiso zenzalo nezinkokhelo ezihambisanayo ukuze uthole inketho engcono kakhulu.

Qoqa amadokhumenti adingekayo: Lungiselela imibhalo edingekayo ukuze uvule i-akhawunti. Lokhu kungase kuhlanganise i-ID yakho, ubufakazi besakhamuzi, inombolo Yezokuphepha Komphakathi, kanye namadokhumenti okuhlonza ingane yakho, njengesitifiketi sayo sokuzalwa.

Vakashela ibhange noma isikhungo sezezimali: Yenza isikhathi sokubonana nomuntu omele ibhange noma isikhungo sezezimali ukuze uvule i-akhawunti. Letha wonke amadokhumenti adingekayo ekuvakasheleni kwakho.

Gcwalisa amafomu okuvula i-akhawunti: Ummeleli uzokunikeza amafomu adingekayo ukuze uvule i-akhawunti. Bagcwalise ngolwazi oludingekayo, njengemininingwane yakho neyomntwana wakho.

Yenza idiphozithi yokuqala: Amanye ama-akhawunti okonga ezingane angase adinge idiphozithi yokuqala encane. Qiniseka ukuthi unayo imali yokwenza le mali uma uvula i-akhawunti.

Thola ulwazi lwe-akhawunti: Uma inqubo yokubhalisa isiqediwe, uzothola imininingwane ye-akhawunti, njengenombolo ye-akhawunti kanye nemininingwane yokungena ku-inthanethi. Gcina lolu lwazi endaweni ephephile.

🥀Imibuzo Evame Ukubuzwa

Imibuzo Evame Ukubuzwa mayelana nama-akhawunti asebhange ezingane:

Q1: Ineminyaka emingaki ubudala ongayivulela ingane i-akhawunti yasebhange?
A1: Izimo zingase zihluke kuye ngamazwe nezikhungo zezimali, kodwa ngokuvamile, kungenzeka ukuthi uvule i-akhawunti yasebhange yengane kusukela izalwa.

Q2: Yiziphi izincwadi ezidingekayo ukuze uvule i-akhawunti yasebhange yengane?
A2: Imibhalo edingekayo ingahluka, kodwa ngokuvamile uzodinga ukuthi unikeze umazisi wakho, ubufakazi bendawo yokuhlala, ubufakazi bobudlelwano nengane (isitifiketi sokuzalwa), kanye nemibhalo kamazisi yengane.

Q3: Ingabe zikhona izimali ezikhokhwayo ezihlobene nama-akhawunti asebhange ezingane?
A3: Amanye ama-akhawunti angase abe nezimali zokuphatha noma izinkokhelo ezihlobene nokwenziwe okuthile. Kubalulekile ukuhlola izimali ezithile nebhange noma isikhungo sezezimali ngaphambi kokuvula i-akhawunti.

Q4: Ingabe imali efakwa ebhange lengane ithola inzalo?
A4: Yebo, ama-akhawunti amaningi asebhange ezingane anikeza inani lenzalo emalini ediphozithiwe. Kodwa-ke, izilinganiso zenzalo zingahluka esikhungweni ngasinye.

Q5: Ingabe imali eku-akhawunti ivaliwe kuze kube yilapho ingane ifinyelela iminyaka ethile?
A5: Ngokuvamile, abazali noma ababheki bayakwazi ukulawula i-akhawunti kuze kube yilapho ingane ifinyelela iminyaka yobudala yeningi elisemthethweni. Ngemva kwalokho, ingane ingakwazi ukulawula ngokugcwele i-akhawunti.

Umbuzo 6: Kungenzeka yini ukukhipha imali ku-akhawunti ngaphambi kokuba ingane ibe mdala?
I-A6: Yebo, ezimweni eziningi kungenzeka ukukhipha imali ku-akhawunti yezindleko ezihlobene nengane, kodwa kungase kube nemikhawulo noma imikhawulo ekuhoxisweni.

Q7: Yiziphi izinzuzo ze-akhawunti yasebhange yezingane kune-akhawunti yokonga evamile?
A7: Ama-akhawunti asebhange ezingane aklanyelwe ngokukhethekile ukusiza izingane zifunde ukuphatha imali yazo futhi zibe nemikhuba emihle yokonga. Bavame ukunikeza izici nezinhlelo zemfundo ezilungele izingane.

🥀 Ukuvala

Lawa ma-akhawunti anikeza izinzuzo eziningi, ezifana nokufunda indlela yokulondoloza nokulungiselela ngokwezimali ikusasa lengane yakho. Kodwa-ke, kubalulekile futhi ukucabangela ukwehla okungase kube khona, njengemikhawulo yokuhoxa kanye nembuyiselo engaba namandla ephansi.

Ngokuvula i-akhawunti yasebhange yezingane, ungasiza ingane yakho ibe nemikhuba enempilo yezimali futhi iqonde ukubaluleka kwemali. Qiniseka ukuthi ukhetha isikhungo sezezimali esinedumela elihle, uqhathanise okunikezwayo, futhi uqonde imigomo nezinkokhelo ezihlobene ne-akhawunti.

Ekugcineni, ama-akhawunti asebhange ezingane angaba ithuluzi elibalulekile lokufundisa isibopho sezezimali nokuphathwa kwemali kusukela zisencane. Ngolwazi olufanele nendlela yokwenza, ungasiza ingane yakho yakhe isisekelo esiqinile sempilo ephumelelayo yezezimali.

Ngaphambi kokuthi uhambe, nakhu ukuqeqeshwa okukufundisayo indlela yokuthengisa izeluleko ku-inthanethi. Chofoza lapha ukuze uyithenge.

Sishiyele okukukhathazayo kumazwana