Banking kunye neMali

Isiseko seBhanki: Njani kwaye Kuphi ukuqala

Ibhanki iyinxalenye yobomi bakho bemihla ngemihla, kwaye i-akhawunti yakho yasebhanki ibandakanyeka rhoqo xa uhlawula ngeplastiki okanye uthumele imali kubahlobo. Amabhanki kunye neemanyano zeentengo zemali zidlala indima enkulu kwiziganeko ezibalulekileyo zobomi (njengokuthenga ikhaya okanye ukuxhasa ezinye iinjongo). Ukwazi ukuba iakhawunti yakho isebenza njani kunokukunceda ukuba usebenzise ngokunjalo ezi nkonzo ngelixa uqondisa ngokucacileyo iimpazamo ezinkulu.

Into onokuyenza

Iinkonzo zebhanki ziquka yonke into esuka kwii-akhawunti zokulondoloza kwiingxowa-mali (nangaphezulu).

Ezinye zezona zinto zincedo kakhulu zichazwe ngezantsi. Unako ukuhamba ebomini ngaphandle kokusebenzisa ibhanki okanye iimanyano zemali-mboleko, kodwa uya kusindisa ixesha kunye nemali xa usebenzisa ii -bhanki zentlawulo ehlawulelwayo okanye ephantsi .

Qinisekisa ukuba zeziphi iinkonzo zebhanki ezibaluleke kakhulu kuwe, nokuba ngaba uzimisele ukuhlawula ezo nkonzo.

Gcina imali: Amabhanki anika indawo ephephile ukugcina imali. Esikhundleni sokugcina imali phantsi kwethebhulethi yakho okanye ukuyithwala kunye nawe, ungagcina imali ebhankini uze uyifumane xa uyifunayo. Akunakuze (okanye ngokungaqhelekanga) uthinte imali - ungenza ezininzi iintlawulo ngekhompyutha. Iifom kwiibhanki eziqinisekisiwe ze-FDIC zikhuselwe nguRhulumente waseUnited States ( iimanyano zentengo zemali zikhuselekile nje ), ngoko imali yakho yomshuwalense ayiyi kuphumla xa ibhanki ihluleka .

Yenza iintlawulo kwaye uhambise imali: Kufuneka kube lula ukusebenzisa imali yakho. Ukuvavanya i-akhawunti kukuvumela ukuba ubhale iisesheke malunga nemali yakho ebhankini, kwaye kukho iindlela ezininzi zokwenza iintlawulo zekhompyutha:

• Bhatala ngekhadi lakho lokubambisa kwiintengiso okanye abathengisi be-intanethi.

• Bhatala iibhanki kwi-intanethi ukuba ibhanki yakho inikezela ngolu hlobo (ininzi yenzayo - ngokuqhelekileyo mahhala) kwaye ibhanki yakho ithumele imali kubaboneleli benkonzo, iinkampani zesevisi kunye nabanye.
• Nika ulwazi lweakhawunti yakho kwiibharensi ukwenzela ukuba bathathe imali kwiakhawunti yakho.
• Sebenzisa iinkonzo kunye neenkonzo ze- intanethi ukuthumela imali kubangani kunye namashishini athengayo kuwo. Ibhanki yakho ayinikezeli ezo nkonzo, kodwa zisebenzisa i-akhawunti yakho yebhanki ngemali.
• Yenza umnxeba imali kumntu (okanye wena) kwimicimbi ebalulekileyo.

Xa uhlolisiso lwakho kunye neentlawulo zekhompyutha zingakhethi, unakho ukuhlawula kunye nokuhlolwa kwamasheya kunye nemiyalelo yemali .

Fumana inzala: Ezinye i-akhawunti yebhanki ikunceda ukuba ukhulise imali yakho ngokuhlawula umdla. Kwixesha elongezelelweyo lexesha, ukudibanisa kukukhupha idiphozi yakho yasekuqaleni kwisamba esikhulu semali. Nangona kunjalo, iibhanki ziindawo ezikhuselekileyo zokubamba imali, ngoko ke akufuneki ukuba zihlawule amazinga aphezulu enokuba unokufumana imali kwezinye iityala. Amabhanki kunye neemanyano zemboleko zilungele i-fund yakho yengxamisekileyo kunye nemali oceba ukuyisebenzisa kwiminyaka embalwa.

Ukuboleka imali: Amabhanki asebhishini lokuboleka imali. Banikela ngemali-mboleko yemoto kunye nekhaya, amakhadi enetyala kunye nemigca yemboleko yokuqalisa ishishini. Ngokwesiko, zonke iibhanki zenzile (zathatha iipasiti kumakhasimende kwaye zisebenzise ukuxhasa imali-mboleko), kodwa iibhanki zifumana imali evela kwezinye iindawo , kwaye ukhuphiswano luye lwavela. Ngoku, unokhetho olongezelelweyo lokuboleka, kuquka nabanikezeli bebhanki abangenayo okanye iimali-mboleko zontanga .

Kuphi ukuvula iAkhawunti

Igama elithi "ibhanki" lisetyenziswa ngokubanzi. Enyanisweni, kukho iintlobo ezahlukeneyo zeebhanki , kwaye ibhanki oyikhethayo iya kuchaphazela amava akho.

Imanyano yemboleko kunye neebhanki zendawo zihlala zikhethileyo kwiakhawunti yakho yokuqala. Ibhanki ye-Intanethi ikuvumela ukuba ufumane enye encinci ngaphandle kweendleko ezongezelelweyo, kodwa inzuzo enkulu kakhulu xa unemali eninzi ebhankini. Ukuba unesidingo esingagqibekanga okanye ufuna ukuyeka ukuthenga, ibhanki enkulu inokukunceda.

Iibhanki ezinkulu zinokuba yinto yokuqala ocinga ngayo kuba bathengisa ngobudlova kwaye baneendawo ezininzi zesebe. Ezi mabhanki ngamagama emakhaya, kwaye zinikeza uluhlu olupheleleyo lweemveliso kunye neenkonzo. Bafikelele kwihlabathi, baninzi ama-ATM anokukhethayo, kwaye iinkonzo zamakhasimende zifumaneka ngokubanzi kwimini nangokuhlwa. Nangona kunjalo, unokuba yinye yezigidi zabantu abathengi, kwaye ukusebenza kunye neebhanki ezinkulu kunokukhungathekisa. Kunokwenzeka ukuba ibhanki ikhululeke kunye nebhanki enkulu, kodwa ngokuqhelekileyo kufuneka ufanele ukufumana imali yokuhlawula imali ngaphandle kokukhangela.

Iibhanki zommandla kunye noluntu zijolise kwiindawo ezincinci zendawo. Basenokukhonza amakhasimende kumazwe amaninzi, okanye enye idolophu okanye ezimbini.

Akumangalisi ukuba bahlala bebandakanyeka kuluntu, kwaye banceda abantu kunye namashishini asebenze endaweni - ingaba yinxalenye ebalulekileyo yoqoqosho lwengingqi. Ngenxa yokuba banamacandelo amaninzi, ezi bhanki zininzi kuneebhanki ezinkulu zokunikezela ngokukhululeka ukujonga iakhawunti kunye nokuvuma iimali-mboleko, kwaye zidla ngokubonelela ngemveliso efanayo kunye neenkonzo (nangona ngamanye amaxesha iinkonzo zinokuthi zingancinci).

Iimanyano zentengo zifana kakhulu neebhanki zommandla kunye noluntu. Kodwa banalo igama elithile ngenxa yokuba isakhiwo sobume sihlukile: azinxulumene neenzuzo eziphantsi kobathengi (ngokuchasene neebhanki ezinomnini-mali). Ngamanye amagama, uba ngumnikazi ongenanto xa uvula i-akhawunti kwaye ubeka imali. Ngokukodwa kunye neenkontilekisi ezincinci, unokuba nexesha elilula ukufumana imvume-mboleko - umqeshwa unokwenene uhlaziye isicelo sakho kwaye uzimisele ukujonga izinto ezidlulileyo eziza kuba yi-bhanki enkulu. Sekunjalo, usoloko ufuna izikolo ezaneleyo zemali kunye nemali engenayo ukuze ufaneleke.

Ibhanki ye- intanethi isebenza ngokupheleleyo kwi-intanethi, ngoko ke ingcono kakhulu kubathengi be-tech-savvy. Iibhanki ze-intanethi zihlala zikhululekile, kwaye ezi mabhanki zivame ukuhlawula amaxabiso amaninzi aphezulu ekugcineni (kunye nokujonga) iibhanki kuneebhanki zetena kunye neebhudo. Sekunjalo, kunokufanelekile ukugcina i-akhawunti evuliwe kwibhankini okanye inkontileka yemali kunye neendawo ezikufutshane. Lawo masebe anakho ukuvumela ukuba iifomethi zikhawuleze kwaye zihoxise, kwaye zinika iinkonzo ezongezelelweyo .

Iintlobo zeAkhawunti

I-akhawunti yokulondoloza yileyona ndlela ebalulekileyo ye-akhawunti yasebhanki : ubeka imali kuyo, ibhanki ihlawula inzala encinane, kwaye unako ukurhoxisa imali okanye uthumele imali kwenye i-akhawunti njengoko kuyimfuneko. Nangona kunjalo, i-akhawunti yokulondoloza ayiluncedo ekusebenziseni imali yansuku zonke ngenxa yemida malunga nokuba ungaphila iintlobo ezithile zokurhoxisa . Ngethamsanqa, ukujonga iingxelo zizalisa imfuno.

Ukuhlola i-akhawunti kukuvumela ukuba uchithe imali yakho lula . Ukwenza njalo, unako:

• Bhala uhlolo
• Swayipha ikhadi lakho lokubambisa
• Punch in inombolo yakho khadi inthanethi
• Misela iintlawulo zebhilidi kwi-intanethi
• Ugunyaze iibhanki ukuba uthathe oko ufunwa khona kwi-akhawunti yakho yokujonga

Ezi ngxelo ngokuqhelekileyo aziyi kuhlawula umdla, kodwa mhlawumbi akudingeki ukuba ugcine ibhalansi enkulu xa uhlola. Oko kwathiwa, ezinye izivuno eziphezulu kunye nokuhlawula ii-akhawunti zihlawula ngaphezu kwe-akhawunti yokugcina imali. Ukusebenzisa i-akhawunti yokutshekisha ilula ngokulula: abaninzi abantu banemivuzo yabo ethengiswe kwaye basebenzise imali ukuhlawula iindleko okanye ukuthumela imali kwezinye i-akhawunti.

Iimali zeemarike zeMali zifana nomxube wolondolozo kunye nokuhlola i-akhawunti . Bakhokhela umdla - kaninzi ngaphezu kwee-akhawunti zokulondoloza - kodwa kulula ukuyisebenzisa imali yakho usebenzisa ikhadi lokukhangela okanye ngokubhala amasheke. Ukubamba kuphela kukuba iibhanki zinciphisa inani leentlawulo ozenzayo kwi-akhawunti (ezintathu ngenyanga ziyimida eqhelekileyo). Ezi ngxelo ezilungileyo zokulondoloza ngongxamiseko okanye iindleko ezingapheliyo.

Izatifikethi zediphozithi (iiCD) nenye indlela yokufumana inzala engaphezulu kune-akhawunti yakho yokulondoloza. Eyaziwayo njengexesha lokufaka imali , iiCD zifuna ukuba uzibophe ukushiya imali yakho ingafunyanwa ixesha elithile. Ukutshintshiselana, ibhanki ikuhlawulela ngakumbi - kodwa uya kufuneka uhlawule isohlwayo xa uphuma ngokukhawuleza. Imiqathango iyahluka kwiinyanga ezintandathu ukuya kwiminyaka emihlanu, kwaye ixesha elide lihlala lihlawule ngakumbi.

Indlela yokuvula iAkhawunti

Ukuvula i-akhawunti yebhanki yinto nje yokunika ulwazi kunye nokwenza idiphozithi. Ungagqibezela inkqubo ngokupheleleyo kwi-intanethi , kodwa ezinye iibhanki zifuna ukuba uzalise ifomu. Unokukhetha ukutyelela igatsha lasebhanki kumntu, kodwa mhlawumbi akuyimfuneko (okanye ikulungele).

Khetha ibhanki eya kuhlangana neemfuno zakho ngeendleko eziphantsi (ngaphezulu kwile ngezantsi). Emva kokuba unqume ukuba ubhanki, lixesha lokuzalisa isicelo.

Nika ulwazi malunga nawe, kuquka:

• Iinkcukacha zabantu , njengegama lakho, umhla wokuzalwa, Inombolo yoKhuseleko lweNtlalo okanye efanayo
• Ukuchonga , njengelayisenisi yokuqhuba, ipasipoti, okanye enye i-ID ekhutshwe nguRhulumente (ukuba uvula i-akhawunti kwi-intanethi, kuya kufuneka unikeze inombolo ye-ID)
• Ulwazi lweedilesi (ukuba usebenzisa i-Post Office ibhokisi okanye ifana nedilesi yakho yeposi, kuya kufuneka unikezele idilesi yakho)

Amabhanki kufuneka acele ulwazi olungentla. Basenokucela iinkcukacha ezongezelelweyo, ezifana nomvuzo wakho, imeko yengqesho, kunye nokunye. Ukuba ukhetha ukungaboneleli ngcaciso, awunayo - kodwa unokufuna ukufumana ibhanki eyahlukileyo. Impembelelo enkulu xa ufaka isicelo sembolekiso: phantse nabani na oya kubuza malunga neholo lakho ngaphambi kokuba uvume imboleko. Ukuba ababukeli kwi-credit okanye ingeniso yakho, mhlawumbi ufumana mboleko ebiza kakhulu .

Fund i-akhawunti yakho nge-deposit yokuqala. Unokuzisa imali xa uvula i-akhawunti kumntu, okanye ubhale isheke kwi-akhawunti yakho entsha. Unokudibanisa ii-akhawunti zebhanki ezikhoyo kwi-akhawunti yakho entsha kwaye uhambise imali ngekhompyutha. Ngezongezo ezizayo, ungasetha idiphozithi ngqo kunye nomqeshi wakho , kwaye ezininzi iibhanki zikuvumela ukuba ufake iifowuni ngokuthatha umfanekiso kunye nefowuni yakho yeselula .

Yiba nobuhlobo obude

Kuyinto intlungu yokutshintsha ii-akhawunti zebhanki , ngoko ukhethe ngokucophelela. Ngeakhawunti elungileyo, awuyi kubona ibhanki yakho (into enhle). Ngama-akhawunti angalunganga, uya kuba noxinzelelo oluqhubekayo kwaye uchithe okungakumbi kunokuba ufuna.

Fumana amaxabiso entle , okubhekiselele kumanani aphakamileyo ekulondolozeni kwakho kunye namaxabiso aphantsi kumalimboleko. Akudingeki ukuba ube nesantya esingcono kakhulu kwisizwe, kodwa ixabiso liba luleke ngakumbi njengoko inani le dollar likhulu. Xa uboleka, iirhafu ezinobuthi zingabangela ingxaki: ukuba uhlawula i-20% kwikhadi lekhredithi, iingxaki azikwazi ukuzenza.

Ncitshiswe iirhafu: Iindleko zenkonzo zenyanga kunye nemali ephantsi-ibhalansi inokuhlawula ikhulu lamadola ngonyaka - kunye nezinye iibhanki zinokunikela iinkonzo ezifanayo mahhala. Ngokukodwa xa uhlaselwa, jonga ngokukhawuleza ishedyuli yentlawulo ngaphambi kokuba uvule i-akhawunti.

Fumana okufanelekileyo: Cinga ngendlela ofuna ukusebenzisana ngayo nebhanki yakho. Ngaba uvuyo ukwenza yonke into yakho kwi-intanethi? Ukuba kunjalo, iibhanki ze-intanethi (okanye iinkqubo eziphantsi kweendleko kwiibhanki zetena kunye ne-mortar) zikhethekileyo. Ngaba ufuna ukutyelela isebe rhoqo? Fumana ibhanki ekulungele kwaye isebenze kunye neshedyuli yakho (ezinye iibhanki zivuliwe ngeveki neeveki).

Khetha izinto ozifunayo. Naliphina ibhanki okanye umanyano weentengo zemali unokubonelela nge-akhawunti yokulondoloza, ukuhlola okuyisiseko kunye nekhadi lokubambisa. Ziziphi iimpawu ezongezelelweyo ozixabisayo? Ezinye imizekelo ziquka:

• Ukuba ufuna ukukwazi ukuhambisa imali phakathi kwee-akhawunti ezininzi zebhanki (mahhala), fundela malunga nemithetho yokutshintshwa kwe-ACH yebhanki. Ezinye iibhanki zinika inkonzo ngenkululeko, kodwa iyanciphisa inani leakhawunti ongaxhumela kuyo.
• Ukuba ufumana iireki kwaye unqabe ukuya ebhankini, qinisekisa ukuba iifowuni zefowuni (okanye i-ATM deposits) ziyafumaneka .
• Ukuba uhlala usebenzisa i-ATM ukuze uhoxise, khangela i-network ye-ATM okanye ufumane i-akhawunti ebuyisela imali ye-ATM.

Gotchas yeBhanki

Uya kuba ngumthengi oyanelisayo xa uphephe iingxaki ezinkulu. Kwakhona, akudingeki ukuba ufikelele kwizinga eliphezulu lokugcina i-akhawunti yehlabathi (kuba kuya kutshintsha rhoqo) - ufuna nje i-akhawunti ebhanki efanelekileyo .

1. Imirhumo, iintlawulo, iintlawulo: Amabhanki ahlonishwayo ngokuthatha imali ngaphandle kweakhawunti yakho. Kukho iimali zokugcina zenyanga, iifizi-mali eziphantsi, iimali zokungasebenzi , iintlawulo zokuhlawula iincwadi , kunye nezinye ezininzi. Khetha ibhanki egcina iindleko eziphantsi, kwaye ugcine umkhondo weakhawunti yakho ukuze ugweme iimali ezibangelwa ngumsebenzi wakho. Hlela izilumkiso ze-akhawunti yakho kwaye usebenzise uhlobo olufanelekileyo lokukhuselwa kwe- overdraft ukuba uyayidinga.
2. Ukufumaneka kweemali: Esinye sezifundo ezinzima kunokuba sifunde umgaqo wemali ekhoyo. Xa wenze idiphozi kwi-akhawunti yakho, unokucinga ukuba ukhululekile ukuyisebenzisa loo mali. Ngelishwa, iibhanki zilawula malunga nokuba zingakhathalela kangakanani ixesha lokugcina iifomethi zakho , kwaye unokuba ulinde ngeveki okanye ukusebenzisa imali yakho. Funda imithetho yebhanki yakho, kwaye ujonge "ibhalansi ekhoyo" rhoqo.
3. Ubuqhetseba kunye neeposiso: Iimpembelelo zenzeka, kwaye ngokuqhelekileyo azikho nto. Ukuba umntu utheba imali kwiakhawunti yakho okanye imali isuswe ngephutha, qha ga mshelana nebhanki yakho. Umthetho we-Federal uyakukhusela ekusebenziseni okungagunyaziswanga , kodwa kufuneka usebenze ngokukhawuleza ukuze ufumane ukhuseleko olupheleleyo. Ukuba ulinde ixesha elide, uya kuba noxanduva lokulahleka - ke gcina umkhondo womsebenzi kwiakhawunti yakho. Unokwazi ukubona iimpazamo (kwaye ufunde okuninzi malunga nenkcitho yakho) ukuba ulinganise i-checkbook yenyanga .
4. Ukuboleka kakhulu: Amabhanki anqwenela ukuboleka imali xa becinga ukuba uya kuhlawula. Abaxhalabele ukukwazi ukufikelela kwiinjongo zakho zexesha elide okanye ubuninzi obuchithayo kumdla. Musa ukuboleka nje ngokuba unako. Ukuboleka izinto eziza kuphucula imali yakho kunye nobomi bakho- yenza ngokuhlakanipha . Sebenzisa umboleko ofanelekileyo lomsebenzi, khusela iitaliti zamatyala ekhredithi kunye nemali-mboleko ye-payday , kwaye ungalokothi ubolekise "imali ephezulu" ekhoyo.