Yintoni na imali?

Zonke iibhanki ezisebenza ngokwemiba yorhwebo, ukunyusa ingxowa-mali engakumbi abantu kunye nemibutho esemthethweni. Kodwa umntu ukuze avelise tinyiketela ezikumgangatho ophezulu, kufuneka kuqondwe ngokucacileyo ukuba kwedipozithi kunye yintoni iingenelo inokukuzisela.

Ngenxa yoko, i-akhawunti idipozithi iya kuvulwa ngokucelwa ngumthengi kwiimeko ezikhethiweyo ukuba phinda iimali okwethutyana free. Okwangoku, iibhanki zorhwebo baye yaye yaqalisa iintlobo ezininzi idipozithi ukuze ahlangabezane ngcono iimfuno zoluntu. Noko ke, abantu nangoku boyika ukunika imali yabo kwabanye abantu, wakhetha ukuba ikhaya labo kwi "ibhange". Oku lula wacaciswa kungagqibekanga kwe-90, xa abemi ilahleko imali yakhe kwanyanzeleka ukuba ubukhulu becala ndikukhanyele ngokwakho.

Kungenxa yoko le nto, ngaphambi kokuba utyale imali yakho, kufuneka uqonde ukuba kwedipozithi kunye izimvo zakhe kuya kuba kakhulu yingenelo kuwe ngokungqalileyo. Kakade ke, kutshanje kwaye kungekho namnye omzimba ukusuka ntlekele, kodwa ngenxa kuphuhliso kwinqanaba zolawulo lomgangatho ukuthembeka ebhankini liye landa kakhulu. Ngenxa yokuba ngoku ke ekuhambeni kwexesha ukunika ithuba iimeko ezingalunganga kwaye athathe amanyathelo xa ukuphuma kulo waphumelela.

Ngoko ke, iibhanki ezininzi zorhwebo, ndixela into idiphozithi, sibala kuphela izinto zalo, kodwa bayalibala ukubhengeza nezingalunganga. Kwiimeko ezininzi, umntu ugqiba ukuba lifake imali nje ngenxa inzala eninzi iidipozithi. Kodwa loo nto kanye oko ifanele ibe yintoni qwa, kuba ufana nje ibhanki akasoze iimali umdla liyana. Oku kuthetha ukuba kukho ingozi ephezulu non-lokuhlawula imali yakho. Ukuthembeka kunye nozinzo yeziko lamatyala - kufuneka ibe yinto yokuqala umthengi swi.

Zonke needipozithi zebhanki lungohlulwa lube iintlobo ezimbini eziphambili: imfuno kunye nexesha. Uhlobo lokuqala mali idipozithi unika mali ithuba ukufumana imali zabo kwimfuno. Oko kukuthi, ukuba ngebhaqo kufuneka sonke isixa esifunekayo, ibhanki akanalo ilungelo akwalele kule nkalo. Ngokutsho bekelelo elide, i-Bank libonelela ngemali ixesha elibekiweyo, emva koko ubophelelekile ukuba ahlawule isixa esipheleleyo ngokomrhumo ngokohlobo inzala kwimali idiphozithi. Ubuhle needipozithi zexeshana kukuba izinga lenzala ngazo iphezulu kakhulu kwi needipozithi zeemali ezikhuphekayo xa zifuneka.

Kwakhona kulo mkhuba zebhanki, kukho ukwahlulwa-akhawunti imali reloadable kunye agcwalisiwe. Agcwalisiwe kufuna utyalo ixesha elithile nakwenzeka nangakumbi nokwandisa inani. A idiphozithi replenishable unika umthengi ithuba lokwandisa amaza imali efunekayo kuloo dipozithi yakho. I-Bank ungena kwisivumelwano ne umxhasi, echaza ngokucacileyo isixa supplement minimum and esiphezulu, kwakunye nezinto ezibalulekileyo ukwenzela ukuzalisekisa kwazo.

Kuba umxumi lula sibonelela idipozithi yebhanki isinyuko ubuncinane mali. Oko kukuthi, i-akhawunti idluliswa isixa esithile, egqalwa Untouchable, kodwa ukuba imali egqithileyo eli xabiso, kodwa hayi zivinjwe ke zisuswe. Xa ukurhoxisa imali ngaphezu kugcwala ebhankini ibhatala ipesenti ubuncinane kuloo dipozithi yakho.

Yaye khumbula ukuba le dipozithi? Le isivumelwano phakathi umbolekisi (kulo mzekelo umntu ngokwendalo okanye ngokomthetho) kunye obolekayo (ibhanki) ukubeka kuqala isixa esithile semali. Kwaye ukuba esi sivumelwano kuthetha ukuba isivumelwano ngokufanelekileyo ibitheni. Abaninzi nje kakhulu wonqena ukufunda umxholo, yaye esi senzo angawokubhuda. Isivumelwano esibhaliweyo kufuneka ziqwalaselwe ngononophelo, ekubeni idla nto ibalulekileyo ibhalwe print encinane, kungekhona ukutsala umdla umthengi lowo. Ukungqinisiswa ngexesha uxwebhu kuya kukunceda siphephe iingxaki kwixesha elizayo.