Yeyiphi bank ukukhetha ukugcina imali

Namhlanje buyanceda ukugcina imali yabo ebhankini. Oku hayi nje kubo ukhuseleko alunakuqinisekiswa, kodwa uya kwandisa imali yakho kwi njengepesenti iminikelo. Kuhleli kuphela ukukhetha ibhanki ethembekileyo uthabathe nzima-bangena kuyo.

Makhe kuqala ukuqonda, kutheni simele amagalelo kwaye nendlela ukukhetha ibhanki nokutyala imali. Bebanika babo imali ebhankini, siyamvumela ukuba sizisebenzise, kuba yena ubhatala ekugqibeleni neepesenti. Imiqathango yesibambiso zifumaneka isebe naliphi na iziko zebhanki.

Yeyiphi ibhange ukuba ukhethe ukuba imali zokugcina inokuthenjwa? Ukuze enaqala ukuva ngalo rating iibhanki ' kwi umthamo imali abathengi kunye nokulingana. Ukuba ibhanki yenye yeendawo lokuqala mlinganiselo efanayo, nto leyo ithetha ukuba nabathengi tshemba eli ziko, ebhekisela kuyo, unokuqiniseka kwi ukuthembeka ukugcina imali yakho.

Yeyiphi bank ukukhetha ukuba negalelo: yoluntu okanye zorhwebo? Bank State inokuthenjwa, kodwa inikeza ehlise inzala iidipozithi, iibhanki zorhwebo zinika abathengi kwenzala ephezulu. Ukukhetha iziko yorhwebo, kufuneka ulumke kakhulu kwaye balumke. Kungcono ukunika kukhetha ukuba kudala-emi kunye neebhanki aqinisekisiweyo. Vuma, kubonakala iziko zebhanki ibitheni kakhulu, nto leyo yathi gqi kwimarike kutshanje kwaye unika umdla omkhulu iidipozithi. Nokubawa kunokukhokelela yokuba nje kuphela imali, kodwa silahlekelwe ikomkhulu sele ikhona.

Sicinga ngoko kuthethwa ibhanki bakhetha ukugcina imali kufuneka ziqwalaselwe nkqu ezincinane, njengoko indawo kwindawo yayo. Kungcono ukuba uqhagamshelane ikufuphi kwiziko labo lasekhaya. Xa ukhetha i ibhanki, cela ukuba okanye hayi oko inxaxheba kwinkqubo ye -inshorensi idipozithi. Oku kubaluleke kakhulu, kuba nkqu ityala elo liya kunyanzeleka ukuba babuyele isixa bakho esityalwe imali ekuweni ibhanki xa bebonke fund yayo inshorensi.

Ukugqiba leyo bank ukukhetha ukugcina imali yabo kufuneka ingqalelo ngegalelo. Okwangoku, zonke iidipozithi yabathengi yahlulwe kumaqela amane:

• imali;
• imali;
• kubalwa;
• Special.

Yokonga imali ilungiselelwe abo wagqiba ukugcina up isixa eyimfuneko imali isiganeko esithile (lomtshato, shopping eninzi, abahambahambayo, njalo njalo). Ukwenza igalelo, buza imibuzo umsebenzi yebhanki malunga isixa ubuncinane iminikelo ezongezelelweyo, apho le nzala iye ngolwaa ezi ntlawulo, njl

Savings igalelo eza kongela imali imali kumaxabiso ndivuka ukufumana ingeniso engakumbi. Le peculiarity yale umnikelo kukuba umdla kwaso mali ifumana kuphela ekupheleni kwekota yakhe.

Ukuba isixa igalelo icetywayo umkhulu ngokwaneleyo, usenokuba ucinga ngayo imali kwiibhanki eziliqela. Ngoko kuyimfuneko ukuba ukukhetha umnikelo enjalo, esizokwenza imali ukuba Euro enye ukuya kwenye, bangethi imveliso xa kuyimfuneko. Khumbula, ukuba, imali ebhankini ezimalini ezahlukeneyo, ungenza imali entle utshintsho kumazinga exchange. Umzekelo, ukuba ungayibeki imali ebhankini kwi Euro. Euro wavuka, ngokulandelelana, ukwanda inzuzo lotyalo-mali lwakho. Ukuze bafumane imali ngale ndlela, kufuneka ukuqonda kakuhle imiba yezoqoqosho ehlabathini, ukuze babe nako ukuxela ukuhla kunye nokwanda kumazinga exchange angaphandle.

Okwangoku, unako ukufumana okuninzi imithombo yolwazi apho ibhange ukhethe ngomnikelo wakho, leyo uhlobo dipozithi ukunika kukhetha, kuba yintoni ixesha elithile ukunika imali yabo xa ukulahlwa ibhanki yakhe. Xa ukhangela ukhetho efanelekileyo, kufuneka sikhumbule ukuba ezinye kubananisi azikho zazidlala ukuzuza ngeendleko thumo ezahlukeneyo ebizwayo ngokuthenga ebhankini yakho. Ngoko ke, ukudlulisela iimali yokulahla ibhanki kaThixo, kufuneka ufunde ngenyameko onke amaxwebhu ziyasayinwa, kunye neengcaciso imfuno ebhaliswe amanqaku zabo abangenagama.