Ngokufika konyaka omtsha, iintloko zee-akhawunti zemivuzo ezingcono zonyaka ziphinde zanikezelwa kwaye, njengoko sele kubonisiwe kwiminyaka edlulileyo, kwakhona kukhokelwa kwinqanaba Iakhawunti yokubhatala yebhanki.
Ii-akhawunti zokuhlawula ezona zibalaseleyo ze-2017
Le akhawunti ibonelela, njengonyaka, olona khetho lufanelekileyo kunye nesithembiso kwii-commissions ezi-0 kwaye inenzala ye-5% kuphela, eyenzeka kunyaka wokuqala.
Basika ukhuphiswano olungcono
Nangona kunjalo, ngeentsuku ezimbalwa ezidlulileyo, zininzi ii-akhawunti zemivuzo Sele beqalisile ukunciphisa inzala abayinika abathengi babo ngemali abayigcinileyo kubaxhasi kwiiakhawunti zabo. Ezinye zeakhawunti eziqale ukunciphisa inzala yiakhawunti enye kunye neakhawunti yenkululeko (zombini iiakhawunti ze Ibhanki yaseMediolanum) kunye Iakhawunti ye-akhawunti yeLa Caixa.
Kwiakhawunti ye yomso Ungakubona ukubuyela umva njengoko beziphelisile izipho abazinike abathengi babo, ezinje ngesongo somzimba; nangona kunjalo bagcina umrhumo owunika abasebenzisi beenyanga ezintathu ze-netflix simahla.
IiKhomishini kunye nomvuzo omncinci
Ngaphakathi iikhomishini kunye nomvuzo omncinci Okufuneka kwiakhawunti okanye nokuba sisigxina kwiakhawunti, zizinto ezibalulekileyo ekufuneka zifundwe kuzo zonke iiakhawunti, kuba itshintshe phantse ngama-50% kuzo zonke ii-akhawunti zemivuzo.
Ezona zikhetho zibalaseleyo
Ngaphakathi ukhetho oluphambiliukongeza kwi I-Bankinter, u-El banco odumileyo kunye no-Cajamar Olukhetho olukhulu, lubonelela ngeenzuzo ezinkulu kwiiakhawunti zemivuzo ezifumaneka kwimarike. Ukongeza, indibaniselwano yesithathu inokunika umvuzo ophezulu kakhulu kunye nokungabikho kweekhomishini.
Umvuzo wasekhaya, izibonelelo ezifanayo
Nangona itshintsha minyaka le, kulo nyaka amaziko amaninzi akwazile ukugcina izibonelelo zawo kubo bonke abathengi esele benomvuzo.
Iindaba kwiintsuku zamva nje
Nangona zimbalwa iinguqu ezenziwe kwezi ntsuku, ezona zibalulekileyo zikhona Iindidi ezimbini zeakhawunti: abo banika i% inzala yokutshintshela imali abayigcinelweyo ngabaxumi babo kunye nabo banika izipho kubathengi babo ngokufaka imali esele beyigcinile.
Eyokuqala kwezi akhawunti iqale ukunciphisa imbuyekezo abayinikelayo. Iakhawunti enye kunye neakhawunti yenkululeko Baye banciphisa iipesenti ukuya kwi-1,75%, nto leyo eyehla kakhulu ukuba siyithelekisa neyangaphambili, eyayiyi-2,5%. Kwelinye icala, iakhawunti eninzi enokufumaneka eLa Caixa ayisabhatali abathengi bayo, ke iyimveliso ene-0% TIN.
Las Iiakhawunti zokuhlawula umvuzoUmzekelo, iakhawunti ye-imaginabank itshintshe umnikelo wayo kwaye iphelise izipho kubathengi bayo. Nangona kunjalo iyaqhubeka ukubonelela enye yazo: iinyanga ezi-3 zokufikelela kwiNetflix.
Ukuba ucinga ukukhetha i-akhawunti yomvuzo kule 2017 kodwa awazi ukuba yeyiphi, siza kukunika uluhlu Ezona akhawunti zibalaseleyo zokuhlawula ukuze, ukuze ukhethe eyona ifanele iimfuno zakho.
Iiakhawunti zemivuzo
Bankinter
Eyona ilungileyo ngaphandle kwamathandabuzo, kwaye njengoko kuye kwenzeka kwiminyaka edlulileyo, kunjalo Bankinter. Le akhawunti yemivuzo ine Iipesenti ezingama-0 kwiikomishini, eyenza ukuba ibe nomtsalane kakhulu kubasebenzisi. Ikwanayo ne-5% APR kunyaka wokuqala, iwela kwi-2% kowesibini.
Ukuze ufikelele kule akhawunti, ibhalansi esezantsi Kuya kufuneka uhlawule ngama-5.000 euros kwaye unokufikelela kwi ikhadi lamatyala lasimahla. Abathengi abaneli khadi banofikelelo kwii-ATM ezingaphezu kwama-8.000 kwihlabathi liphela.
Bala mna nawe. Mna nawe iiakhawunti ziiakhawunti ezifanelekileyo zabantu abafuna ukuhlawula isiqingatha seendleko zabo.Le akhawunti isimahla kwaye ayihlawulwa. Ukongeza, inika omabini amaqela ikhadi ukuze bakwazi ukulawula naluphi na uhlobo lwentshukumo ngaphandle kwengxaki.
Ibhanki edumileyo
La iakhawunti yebhanki yokuhlawula inikeza abathengi bayo i-intshi ezingama-24 ze-Samsung HD TV.
I-akhawunti yebhanki yaseCajamar
Kulo I-akhawunti yebhanki yaseCajamar kukho idipozithi yexesha elimisiweyo apho uya kuba nemali epheleleyo.
Olu hlobo lweakhawunti lunokufumana ikhontrakthi ukusuka kwiinyanga ezi-6 ukuya kwezingama-24 kwaye lunokwenziwa ngentlawulo yenzala ngokwemiqathango eyahlukeneyo, ukusukela ngenyanga kude kuphele iakhawunti.
Ubuncinci obufunekayo kule akhawunti zii-euro ezingama-3.000 kwaye iqondo lenzala liqinisekile. Kolu hlobo lweakhawunti, ukucinywa kweakhawunti kwangoko okanye ngokuyinxenye kuyavunyelwa.
Yiyo akhawunti ngaphandle komngcipheko wotyalo-mali kunye nemali elungileyo.
Iakhawunti yokuhlawula i-mediolanum
Enkosi koku iakhawunti yomvuzo unganazo iikhomishini ezinguziro, ukongeza ukufikelela kumakhadi asimahla kunye nokufikelela kwiimveliso ezahlukeneyo zequmrhu ngenxa yokuba ungumthengi.
Abantu abathatha isigqibo sokuba nale akhawunti banokufikelela ngokupheleleyo kulawulo kunye nokugcinwa kwale akhawunti, ngendlela ebhalwe igama lomntu. Idiphozithi yokutshekisha kwi-euro kunye nokukhutshwa kweetsheki zebhanki.
Iakhawunti yomvuzo e-Openbank
Yenye yeakhawunti ebonelela nge-0% kuyo yonke into. Oko kukuthi, i-0 euros yokuvula i-akhawunti, 0 i-euro yokugcina i-akhawunti kunye ne-0 euro ukuyivala. Ukongeza, abantu abanayo le iakhawunti yentlawulo, nikela ukubuyiselwa kwipesenti enye kuzo zonke iindleko ezinkulu zekhaya.
Ukongeza, oku iakhawunti yentlawulo Inika ithuba lokuqhubela phambili umrholo wakho ngekhredithi enikezelwe kwangaphambili. Oku kuxhomekeke kwimvume yebhanki.
KwiBhanki yakho
Este uhlobo lweakhawunti yebhanki yakho Azinazo iindleko zokuvula kwaye azisayi kunika urhoxiso okanye iindleko zesisigxina. Ukongeza, ikhadi lekredithi elidala okanye legolide linokucelwa, nangona kunjalo, ikhadi kufuneka livunywe liziko.
Iiakhawunti ezingaphezulu kwama-9.500 eeATM apho unokulawula ngekhadi lakho kwaye ulawule imali yakho.
Ukongeza, ukuba awunawo umvuzo okanye awunakho ukutshintsha, kuya kufuneka wenze umvuzo wenyanga kule akhawunti njengomvuzo kwaye uqhubeke nokuxhamla kuzo zonke izibonelelo.
Iakhawunti yokuHlawula iakhawunti enye ye-akhawunti
Iakhawunti ekubonelela ngenzala ephezulu, ngekhomishini, kunye nolondolozo olunokuthi lube simahla, kuxhomekeke kwinto egqitywe yibhanki. Ithiyiwe iakhawunti enye, kuba i-akhawunti ye-0 yeendleko enemithetho eguquguqukayo eyenzelwe umthengi ngamnye.
Ukongeza, inika ithuba lokuvula iakhawunti yesibini ngaphandle kweekhomishini, ukongeza kwi amakhadi asimahla.
Inkululeko akhawunti ye-mediolanum
Iakhawunti eya kukunika iikhomishini eziphezulu ngexabiso eliphantsi. Yimbali yabantu abafuna ukuziva bekhululekile kwezabo Ulawulo lweakhawunti.
Ukongeza, ikuvumela ukuba uvule iakhawunti yesibini yasimahla ngokupheleleyo kwaye unayo amakhadi awodwa. Ikwanayo bizum, Inkonzo ekuvumela ukuba wenze naluphi na uhlobo lokuhlawula ngefowuni yakho ephathekayo. Ukongeza, ukuba yinxalenye yelizwe le-mediolanum, unezibonelelo bonke abathengi abanokufikelela kuzo.
Intlawulo yeakhawunti yeCajamar Akhawunti ye360
Iakhawunti enezibonelelo ezibonakalayo, kuba ibonelela nge-3% TIN ngamabhalansi e-3.000 ukuya kwi-12.000 euro. Unalo nekhadi letyala ngaphandle kwendleko okanye ulondolozo.
Iakhawunti yemivuzo edumileyo ngeakhawunti yebhonasi
La ibhonasi akhawunti eyaziwayo, unikezela ngenzuzo ngakumbi kwimali yakho nge-0.75% APR. Ukongeza, ukuhlawulwa kweakhawunti kwenziwa xa kuphela iakhawunti. Ixesha lale akhawunti ziinyanga ezili-13 kwaye ukucinywa kwangoko kunokwenziwa xa umthengi ecela njalo.
Ikwabonelela abathengi bayo onke amakhadi esinesicwangciso. La makhadi akazukumela iindleko zekhomishini okanye iindleko zolawulo; Le nkqubo ibizwa ngokuba sisicwangciso 0. Esi sicwangciso sinika abathengi izaphulelo ezibaluleke kakhulu kunye neendlela ezahlukeneyo zokuzonwabisa ezilungiselelwe umthengi ngamnye.
Iakhawunti yeMeditera BMN
Nangona Iakhawunti ye-BMN Inoluhlu olude lweemfuno zokuba ngumthengi, kuyinyani ukuba izibonelelo zikwindawo ephezulu kakhulu.
Iimfuno zezi: ubuncinci zimbini zetyala elichanekileyo, kunye nokuchitha ubuncinci i-euro ezingama-900 ukuthenga okanye ukusebenza kwikota nganye. Kuya kufuneka uthathe i-inshurensi ngendleko ze-150 yeerandi ngonyaka kwaye ibhalansi yekota ingaphezulu kwe-10.000 euros ngonyaka.
Njengoko ubona, uluhlu lwe Ezona akhawunti zibalaseleyo zokuhlawula Ayibanzi kakhulu, kodwa inika iinketho ezininzi, ezihlengahlengiswe kwiindidi ezahlukeneyo zabathengi.
Khumbula ukuba nangona kubonakala ngathi ziimveliso zebhanki ezilula, kuya kufuneka ujonge amanye amanqaku kuzo zonke iiakhawunti zokuhlawula ukuze uphephe isimanga esongezelelweyo.
Phakathi kwamanqaku ekufuneka uwaqwalasele ngaphambi kokukhetha i-akhawunti yomvuzo okanye enye yile: iikhomishini ezikunika zona kwaye ukhethe ezo zihlala zinika ikhomishini eyi-0. Inkqubo ye- umvuzo omncinci yintoni nganye ii-akhawunti zemivuzo. Isigxina, esinokufikelela kwiinyanga ezingama-48 ngokutshintshela izipho.
Okokugqibela, unxibelelwano kufuneka luqwalaselwe. Iibhanki ezininzi zicela kuphela ukuba irhafu idityaniswe kule akhawunti, nangona kunjalo, abanye bazama ukuvelisa ukuthengwa kwezinye iimveliso ezinje ngamakhadi etyala okanye i-inshurensi yazo zonke iintlobo.