Iibhanki zisungula ezinye iintlobo zeeakhawunti ezibonelela ngentlawulo ephezulu kubaxhasi bazo. Nangona ngenxa yokwehla kwenqanaba lenzala, iimeko apho zigqithisileyo Inqanaba le2% lenzuzo. Apho kukho iindlela ezininzi zokuzithengisa kwaye kwiimeko ezininzi zilele ekunikezeleni ngenzuzo yazo esekwe kwimingxunya. Oko kukuthi, ngenjongo yokuvuza izixa ezikhulu ezifakwe kwezi mveliso zebhanki.
Kuzo naziphi na iimeko, kufanele ukuba kuqatshelwe ukuba uphawu lolu hlobo lwemveliso lusekwe kwinto yokuba, ngokubanzi, azibandakanyi ulondolozo kunye nemirhumo yolawulo kwaye baphatha ezinye iinkonzo zasimahla kubaninizo. Umzekelo, ukwenza amatyala ngqo (igesi, umbane, amanzi, njl. Njl.), Ukufumana amakhadi etyala okanye okuthenga ngetyala simahla okanye ukufumana ezinye iimveliso zokonga phantsi kweemeko ezithile. Ukongeza, ukupheliswa kwenkcitho yakho kwaye unokuvelisa ngakumbi ukonga minyaka le.
Ngayiphi na imeko, kwaye ngenxa yokwehla kwamva nje kunye nokuqhubekekayo kumazinga enzala, uninzi lwamaqumrhu alukhethileyo ulibale malunga namaxabiso asicaba kwaye unikezele ngolu hlobo lweeakhawunti ekubhekiswe kuzo kwi-Euribor. Ngelixa kwelinye icala, zenziwe phantsi kwenkqubo yokubonelelwa kunye nokunyuselwa ukuze babhalise ngokufanelekileyo ngakumbi ngabasebenzisi bebhanki. Ekupheleni kosuku umalunga nokuba umvuzo uphezulu kunakwimigangatho yangoku engonelisiyo kubathengi.
Iiakhawunti ezizuzisa ngakumbi
Iimfuno zokufikelela kolu didi lweeakhawunti zebhanki zihlala zifuna kakhulu kunangaphambili. Ngale ndlela, ayothusi into yokuba u-a ibhalansi ephezulu kakhulu yeakhawunti kwaye bonke abasebenzisi abanokufikelela kuyo. Ukuba akunjalo, ngokuchaseneyo, kuphela ngabona baxhasi babalaseleyo beziko lezemali abakwaziyo ukusayina le khontrakthi. Kwelinye icala, bathambekele ekubeni babhenele kwisicwangciso-qhinga sokurhweba njengokutsalwa ngqo kwirhafu okanye umvuzo oqhelekileyo kubasebenzi abaziqeshileyo okanye abaziqeshileyo njengoko besaziwa njalo. Ngaphandle kwezi mfuno akukho thuba lokuqesha ezi akhawunti zikhethekileyo.
Enye into ekufuneka uyithathele ingqalelo kule mveliso yemali yile inento yokwenza nobuncinci bemali eseleyo ekufuneka igcinwe inyanga nenyanga. Ngale ndlela, ziiakhawunti ze-elitist ezingafumanekiyo kubo bonke abasebenzisi beebhanki. Kuba nabo abanayo ixesha lokuhlala kuba ikhontrakthi inokupheliswa nangaliphi na ixesha kwaye ngaphandle kwalo naluphi na uhlobo lweekhomishini okanye izohlwayo. Oko kukuthi, yintsebenzo onokuyithatha ngenkululeko epheleleyo ngalo naliphi na ixesha nakwimeko.
Eyona minikelo ichaphazelekayo
Ukuba le mveliso yemali ibonakaliswa yinto ethile, kungenxa yokuba ikhululiwe kwiikhomishini nakwezinye iindleko kulawulo lwayo okanye kulondolozo. Eli galelo ekusebenzeni likuvumela khuthaza ulondolozo kwasekuqaleni Kuba isicwangciso sayo sisekwe ekukhuthazeni ukonga ukuze ibhalansi yangoku yeakhawunti ikhule ngokuqhubekayo, inyanga nenyanga. Ukufikelela kumanqanaba aphezulu angafumanekiyo kwezinye iimveliso zokonga ezineempawu ezifanayo. Ngale ndlela, abanini bazo baya kuthi baxhamle kule meko kuba inzuzo yabo iya kuba phezulu ngokuchanekileyo kuba isebenza kwimali ephezulu kunangaphambili.
Ngelixa kwelinye icala, asinakulibala ukuba olu hlobo lweakhawunti yokonga luphawuleka ngaphezu kwako konke kuba ivumela ukwenza isivumelwano nezinye iimveliso zebhanki iimeko ezingcono ekuqeshweni kwakho. Ngale ndlela, into yokuba banikezela ngokukhethekileyo kwimvumelwano yedipozithi yexesha elizinzileyo, iinkqubo zokonga okanye izicwangciso, kwaye ngamanye amaxesha amanqaku ezithembiso avela ebhankini ngokwakho obhalise kuyo iakhawunti yakho yokonga ibaluleke kakhulu. Oko kukuthi, ukuphucula ingxelo yakho yengeniso yokuphela konyaka ngamnye ngexesha ekufuneka ubeke ngalo iiakhawunti zakho okanye ezemali.
Ezinye iimodeli zeakhawunti
Ukubhaliswa kwe-Intanethi kuyasebenza nakwezinye iintlobo zeeakhawunti ezithile ezinje ngezo zabantwana okanye abantu abancinci kwaye, nakwezinye iimveliso ezahlukileyo ezinje ngeakhawunti yezindlu, kubasebenzisi abaya qesha ikhaya kwimihla embalwa elandelayo. Kuzo zombini iimeko kwaye, kugcinwa ubumbano olufanayo lobhaliso, iiakhawunti ezahlukileyo ezikwi-Intanethi zenziwe ukuba zingabhaliswa kuzo zombini iindlela zabasebenzisi, ngokuxhomekeke ekubeni iimfuno ezibekiweyo liziko ngalinye ziyafezekiswa.
Ngaphandle kokunga phuhliswa njenge iiakhawunti ezikwi-intanethi Ngengqondo yeklasikhi yelizwi, iingxaki ezithile zinokuqubana nazo kwisibonelelo sebhanki sangoku, apho iimveliso ezinale miqondiso yesazisi zivela amaxesha ngamaxesha ngenjongo yeebhanki kunye neebhanki zokonga ukugubungela "amashishini" amashishini amaninzi kwintengiso, ekugqibeleni kutsala ngaphezulu abathengi. Kwakhona kwezi meko, iiakhawunti ezithunyelwayo azivumeli ukuhlawulwa ngokuthe ngqo kweerisithi, umvuzo okanye ipenshini kwaye abanamakhadi ahambelana nazo okanye iincwadi zetshekhi.
Isibonelelo sokusetyenziswa kwayo sivela kwakhona kuncedo lokurhuma kunye nokulawula ngekhaya lakho, nditsho neyunivesithi, ebenza bafikeleleke ngakumbi kumacandelo ezentlalo abaya kuwo. Ngothotho lwezibonelelo ngokungathandabuzekiyo kufuneka ziphucule ukubekwa kwakho ebhankini. Ngaphaya kweemveliso zemali ongene kuzo ukuya kuthi ga ngoku. Kuba yintoni ekupheleni kosuku kukuba ibhalansi yeakhawunti yakho yokonga inyuka unyaka nonyaka ukomeleza indawo yakho ebhankini.
Utyalomali olunxulumene neeakhawunti
Ezi zi-akhawunti zikarhulumente zokukhusela amatyala ezinokuvulwa ukwenza ityala kaRhulumente kulo naliphi na isebe leBhanki yaseSpain, okanye, ngokudlulisela kweli ziko likhupha ibhalansi yale mveliso ibhaliswe kwiziko elilawulayo, njengeebhanki kunye neebhanki zokonga. Kule meko, iyimveliso enxibelelene notyalo-mali ngakumbi kunolawulo lolondolozo lwabathengi ngokwalo. Ewe, mininzi iminikelo abanokukunika ngayo ngeli xesha. Ngaba uyafuna ukwazi ezinye zezona zibalulekileyo?
Okokuqala, ukuncitshiswa kweendleko zotyalo-mali ozibhalisileyo ukwenza ukuba izinto zakho zobuqu okanye zosapho zenze inzuzo. Okulandelayo, ukukhululeka okungathandabuzekiyo kokudlulisa ukhuseleko kule akhawunti ikhethekileyo kwamanye amaziko olawulo okanye ngokuchaseneyo.
Ngaphandle kokulibala nangaliphi na ixesha ukuba iya kuba sisixhobo esihle kakhulu ukwenza zonke iintlobo zokuphinda uthengise kwakhona. Nangona enye yezona zinto zisisiseko kunye nezinto ezintsha ezivelayo zihlala kwinto yokuba yenza ukuba kube nakho ukugqithisa ityala eliqaphelekileyo, ngaphambi kokuvuthwa kwalo, liye kwelinye iqumrhu elilawulayo okanye Inkqubo yokutshintshiselana ngesitokhwe iyathengiswa kwimarike yesibini. Eli luphawu olunokuba luncedo kakhulu kwimisebenzi yakho kwiimarike ze-equity. Kwaye abo basebenzisi kunqabile ukuba bazisebenzise ukuzikhusela kwiimeko ezithile kwiimarike zezemali ngokwazo.
Kwinto ebonakala njengenye yee-akhawunti ezinobuchule ezikhoyo kwimakethi yeebhanki kwaye ukusetyenziswa kwayo kucacile ngokucacileyo kwicandelo lotyalo-mali. Ngothotho lwezibonelelo ezahlukileyo ezicace gca kwaye apho bonke abatyali mali banokuzuza khona, kokubini kwimali engenayo engagungqiyo nakwimisebenzi eguqukayo yengeniso kwaye emva kwayo yonke injongo yayo.
Izinto ezingathandekiyo
Ukwehla kwamazinga kwiinyanga ezidlulileyo kuye kwaphazamisa kuphela umtsalane olu hlobo lwemveliso olunokuba nawo, kwaye ngamanye amaxesha beza kubonelela abanini bazo ibuyisa nangaphezulu kwe-5% kolunye unyuselo abalwenzileyo. Kwimeko yangoku apho kunqabile ukuba olu didi lweeakhawunti lunokucela umngeni ngaphezulu kwe-0,20%. Ukuthintela ezi meko, amaziko emboleko athengisa olu hlobo lweeakhawunti ezikhethekileyo ngothotho lweenkonzo ezinokuthi zisebenze njengebango lokuqesha kwabo. Umzekelo, ukufumana amakhadi asimahla ekhredithi okanye amakhadi etyala okanye ukwenza imali ngqo ngqo ngamanye ala mabango.
Ngayiphi na imeko, ezi akhawunti zinika inzala ephezulu kuneefomathi zokonga ngokwesiko, kwiimeko ezilungileyo ezingagqithiyo kwi-0,6%. Ukwehla komgangatho wenzala kukwachaphazela ukuhanjiswa kwezi mveliso. Ezinye izinto ziye zayeka ngokuthe ngqo ukuba nazo kwiibhanki zazo, ngelixa ezinye zilibale malunga namaxabiso amiselweyo kwaye zikhethe ukubhekisa kuzo kwi-Euribor okanye kwenye i-asethi yemali. Kuba ekupheleni kosuku kumalunga nokuqinisekisa umsebenzisi ngokwakhe ukuba angaba sisixhobo esinamandla kubudlelwane bakhe namaziko emali. Nangona okwangoku isithembiso ngokucacileyo asonelanga kwiimfuno zabathengi bebhanki.