Apho ibhanki ukutyala? Okanye hayi kuphela ebhankini ...

Umntu ukonga imali mini ngemvula, abanye kuba nekamva eliqaqambileyo. Kodwa ngaphambi kokuba wonke kungekudala umbuzo umbuzo - uqhubeka njani na kubo? Hlala ekhaya kwi kwigunjana phantsi imfumba impahla na ngqiqweni ngokupheleleyo, ukuba ushiye ukunyuka kancinane ngeesenti yabasebenzi, kodwa kuyingozi.

Apho ibhanki ukutyala? Kutsha nje, ndazama ukusombulula lo mbuzo ngokwakho. Nantsi uphando yam ngokufutshane ngalo mbandela.

Okokuqala - kufuneka zibandakanywe kwinkqubo ye-inshorensi karhulumente yesibambiso yebhanki. Ke imali yembuyekezo yi amawaka 700. Engange. Kodwa ke urhulumente ucinga umba yokwandisa kulo mda ku-1 mln. Engange, ukususela ngoJanuwari 1, 2013.

Ngoko ke, kusengqiqweni ukuba sisale kwiziko logcino-mali engadlulanga kumda yangoku. Emva koko, kwimeko ukuhluthwa-mvume ye ifakwe kwibhanki ziya kubuyiselwa ngokupheleleyo umniniyo.

Umbuzo olandelayo ekufuneka isonjululwe ngokwabo, oko ixesha ngazo ngokukhuselekileyo sirhoxe mali usapho imali lwasemoyeni. Kudla iibhanki womemeza enomtsalane noko iidipozithi, kodwa kwisithuba seminyaka emi- 3-5 yanelisekile ngenkankulu kunye nathi. It akwaziwa ukuba le meko woku eli xesha kwimarike zemali, kwaye ebomini bethu, nathi.

Ngoku ke chaza ukuba lwemali apho ukugcina imali yabo ngcono. imbono Financial bayacetyiswa ngamxhelo ukunika imiyalelo engange. Le minikelo ngoku inzuzo.

Kodwa ukuba ibekele bucala imali uhambo ilizwe, ukuze wenze ngengqiqo ukuvula i-akhawunti kwi lwemali eza kuyafuneka ekuhambeni kwexesha.

ninzi iibhanki ezikunika iidipozithi multicurrency okanye wentsimbi. Apha, njengoko bathi, kukho into oyithandayo. Kodwa kwimeko yokuvulwa dipozithi sisinyithi into ekufaneleke ukuba siyicinge kukuba kaloku abawuthobeli kwi-inshorensi.

Nokuba sele isigqibo, apho ibhange ukutyala, amavila kakhulu ukuba bahlolisise ngenyameko neemeko iidiphozithi ukuba inikeza. Oko kunokwenzeka makasizalise akhawunti, ekuqaleni uvale ngaphandle ilahleko enkulu umdla kulo mzekelo, nokuba ekhulwini nokususwa inxenye enikiweyo.

Akukho ngozi iya kuhlawula ingqalelo iintlobo lezabelo leholide beebhanki, ngexesha ezinokukhulisela inzala ngenxa yegalelo ngamnye. NeVulekileyo ngamanye amaxesha kunye needipozithi ezintsha, nenzuzo. Ndenza ukhetho yam yokugqibela kangaka.

Ukongeza, uyakwazi ukunikeza ikhadi debit, nto leyo iya kugqithiselwa umdla idipozithi.

Ngokoluvo lwam, umbuzo obalulekileyo - nokuba inkonzo Internet Banking sibonelelwe. Ukuba akukho mfuneko ukuza ibhanki ukukhangela imo ye-akhawunti yakho, ungenza ngalo naliphi na ixesha ukuba bakwenze ekhaya, ehleli computer.

Ngoko ke, apho ebhankini ukuze ukutyala? Ndicinga ukuba wenze ukhetho olufanelekileyo, kuthathelwa ingqalelo imeko yabo yokuphila. Mhlawumbi wena yayibaluleke iya kuba ukuba lo bank ayikho kude nekhaya ...

Ngokuba umntu ukhetho best - utyalo-mali lwemali lwemali. Nangona abahlaziyi zithi amaxesha kunzima kwiimarike zemali eYurophu. Izinga lonaniselwano euro kule meko nzima ukufikelela obude zezilwanyana onokucinga ngazo. Kunye noqoqosho US a bangawuhambeli ukukhula dollar enkulu kakhulu.

Ukuba uyayeka ukuba imali amatye anqabileyo (Ndithetha ukuthengwa iinkozo zemali kunye nemivalo), ke ngoko, njengoko Dynamics emarikeni, oko Kukhethwa ukuthenga ngesiliva, kuba kaloku ukwanda inkulu ixabiso kuthelekelelwe phezu kwakhe.

Kodwa kuya kuba umbuzo kwakhona malunga nokugcina ukuthenga zabo. Apha ngaphandle ibhokisi idipozithi akakwazi ukwenza ngokuchanekileyo.

Ke kaloku, ukuba uyazi apho ibhange ukutyala. Kodwa ukuba ibhanki enye? ..

Kukho nezinye utyalo inzuzo. Umzekelo - ezithengiswayo. Amaxabiso lwezindlu ikhulela. Kwaye ukunikezelwa ingqesho yayo iya kuzisa umvuzo ngokuthe ngcembe. Kodwa kukho caveat ukuba kunqweneleka ukuze bayithathele ingqalelo. Ukuba ngebhaqo ufuna imali ngokukhawuleza, ukuthengiswa welifa real - inkqubo kunokuba ixesha elide.

Bambalwa kodwa wagqiba ekubeni utyalo-mali efanayo (mutual funds). Apha, inzuzo yakho iya kuba kuxhomekeka ngokupheleleyo ukhetho-mali efanayo. Yenza ukuba kukhetha wena kakuhle phantse akunakwenzeka. Ukuba udinga uncedo ziingcali.

Apho ilungelo ukutyala imali? Lo mbuzo kuya kufuneka ukuba ukusombulula phantse wonke umntu ngokukhawuleza okanye kamva.

Kodwa usoloko ukhumbula ubulumko ethandwayo. Ndithetha ngayo amaqanda, zibe wayifaka engobozini enye.