Khetha iBhanki okanye iNkcazo yeMali
Usenokuba uyayazi ukuba ufuna kuphi ibhanki. Ukuba akunjalo, thengisa ngeenxa zonke. Qala ngokufumana umdlalo omhle kwiimfuno zakho ezikhawulezayo ( i-akhawunti yokukhangela , umzekelo). Njengoko uthelekisa amaziko, qwa lasela iirhafu ezingadla kwi-savings yakho .
Iintlobo zeNtathu zeBhanki
- Amabhanki, kubandakanya iibhanki zoluntu kunye neebhanki ezinkulu: Ezi zinto zingaba ngamashishini aziwayo kuluntu (okanye lonke ilizwe), kwaye banikezela ezininzi iinkonzo ezisisiseko ozifunayo. Iibhanki zengingqi nezommandla zithatha ukufumana izakhiwo zemali ezinobungane, kodwa kunokwenzeka ukufumana iimali ezikhishwe kwiibhanki ezinkulu .
- Imanyano yemali-mboleko: Imanyano yekhredithi yinkxaso-mali yemali yabathengi enika iinkonzo ezininzi kunye nemveliso ebhanki. Le mibutho kaninzi iyanomgangatho wokukhuphisana kuba ayifuni ukuzama ukunyusa inzuzo. Kodwa oko akunjalo ngaso sonke isikhathi - ngoko ke ukuhlaziywa kwemirhumo yemirhumo ngokucophelela. Funda kabanzi malunga neemanyano zemali kunye nendlela onokuzibandakanya ngayo .
- Iibhanki ze-intanethi kunye neemanyano zemboleko: Amanye amaziko asebenza ngokupheleleyo kwi-intanethi. Akukho liza lokutyelela (okanye uhlawule), kwaye uya kuqhuba ezininzi izicelo zeenkonzo. Ukuba ukhululekile kunye nekhompyutheni yakho okanye ifowuni yeselula - kunye neentlobo ezininzi zebhanki-intanethi inokukunceda ukuba ufumane amazinga aphezulu aphezulu ekulondolozeni kwaye ufumane ukukhangela kwamahhala. Oku kuthethi, akufanele ukhethe uhlobo olulodwa lwebhanki - kulungile ukuvula i-akhawunti yebhanki ye-intanethi kwaye ugcine ibhanki yakho yezitena .
Tyelela iBhanki yeBhanki okanye iwebhusayithi
Indlela elula yokuvula i-akhawunti ukutyelela iwebhusayithi yeziko leziko. Khangela ibhanki kwi-Google, okanye u tyelele kwiwebhusayithi efakwe kwizinto zokuthengisa zebhanki (qaphela xa uthayipha kwidilesi yewebhu - iindawo zokukhohlisa ezinegama elifanayo zikhona).
Inzuzo yokuvula i-akhawunti kwi-intanethi kukuba unokuyenza nanini na, ukusuka naphi na. Nangona kunjalo, ukuba ukhululekile ukuvula ii-akhawunti kumntu onokuzibonakalisa e-yesebe ngexesha loshishino. Ngaphambi kokuba ushiye indlu, qiniseka ukuba izinto ezilandelayo zilungele:
- I-Identification (i-ID ekhutshwe ngu rhu lumente njengelayisenisi yokuqhuba, ipasipoti, i-ID yomkhosi)
- Inombolo yakho yoKhuselo loLuntu okanye okufanayo
- Idilesi yakho yomzimba kunye neposi
- Idiphozithi yokuqala (ukuba iyadingeka ngexesha lokuvula)
Khetha iMveliso oyifunayo
Nayiphi na iziko lezemali liza kuba neendidi ezahlukeneyo zee-akhawunti kunye neenkonzo onokuzikhetha.
Amabhanki kaninzi anika iimveliso zabo ezikhethiweyo ezingabadibanisa, kodwa ziyimveliso ngokusisiseko kwiziko ngalinye:
- Ukujonga i-akhawunti ngokwenza iintlawulo kunye ne- deposit ngqo
- I-akhawunti yokulondoloza ukufumana umdla
- Iimarike zemali zenza umdla obuncinane ( ngelixa ugcina ukufikelela kwimali yakho )
- Izatifikethi zediphozithi (iiCD) zokufumana ngaphezulu xa uvale imali yakho
- Imali yeentlobo zonke (i-auto, ikhaya, iimboleko zemali , kunye nokunye)
Amagama ahlukeneyo aqhelekileyo amanqanaba enkonzo ahlukeneyo (kunye nemilinganiselo ephezulu ngokufanelekileyo okanye imiqobo yokuphepha iiflawulo). Khetha ikhetho enomxube olungele wena. Umzekelo, ukuba uya kugcina ibhalansi ephantsi kwi-akhawunti, vula uvule i-akhawunti egcinayo iifizi ubuncinci . Gwema ii-akhawunti ezifuna ibhalansi enkulu ukwenzela ukuba ufaneleke ukuhlawula imali - awufuneki ukuba ufuna zonke iimpawu ezingaphezulu.
Xa usebenza kwi-Intanethi, unokufuneka uhlawule kwimveliso efanelekileyo. Unokuklikha kwi-"Vula i-Akhawunti," uze uchofoze "Ukuhlolisisa," kwaye uzingela phakathi kwezinto ezikhethiweyo zokukhangela i- Akhawuntyi . "Ukuba uvula ii-akhawunti zakho kumntu, unokuthetha nje nombhanki onokukunceda ufumane okulungileyo akhawunti ngeemfuno zakho.
Ukubonelela ngeenkcukacha zakho
Njengoko uvula i-akhawunti entsha yebhanki, kuya kufuneka unikezele ngolwazi olunzulu kwibhanki. Ukuze bazikhusele kwaye bahambisane nemimiselo enjenge-Patriot Act, abakwazi ukuvula i-akhawunti ngaphandle kokuqinisekisa ubungqina bakho.
Uya kufuneka ukunikezela iinkcukacha ezilula njengegama lakho kunye nosuku lokuzalwa, kunye namanani okuchonga (e-US oku kunokwenzeka ukuba iNombolo yoKhuseleko lweNtlalo). Kufuneka kwakhona ulungele ukubonelela nge-ID evumelekileyo karhulumente (njengelayisenisi yoMqhubi okanye ipasipoti).
Ukuba ukwenza oku ku-intanethi, uthayipha nje ulwazi kwiibhokisi zombhalo. Ukuba uvula i-akhawunti yakho kumntu uya kufaka i-ID yakho kwi-bhanki, oya kuthi enze iikopi.
Vumelana neMigomo
Uya kufuneka uvumele ukuthobela imithetho ethile kwaye wamukele uxanduva kwimisebenzi ethile kwiakhawunti yakho. Xa uvula i-akhawunti ebhankini, udala ubudlelwane obusekelwe kwisifundo esibaluleke kakhulu - imali yakho. Ngoko ke kufuneka ukwazi ukuba ungena ntoni. Ukuba uvula ii-akhawunti zebhanki kwi-intanethi, uzalise le nyathelo ngokuchofoza "Ivumelana" (okanye efanayo) iqhosha, kwaye uqhubela phambili kwisinyathelo esilandelayo.
Funda isivumelwano sakho ngokucophelela. Nangona ukudalulwa kukuphucula, kukho iinkcukacha ezininzi ezibalulekileyo ezifihliweyo kwiprinta efanelekileyo. Ngokukodwa, uya kufuna ukwazi malunga nayiphina imirhumo ehlawulwe kwi-akhawunti yakho, kwaye xa iifowuni zakho zifumaneka ukurhoxiswa.
Ukongeza kwizivumelwano zebhanki, umthetho wesigqeba ubeka amalungelo akho kunye noxanduva lwakho. Umzekelo, ukuba umntu uthatha imali ngaphandle kweakhawunti yakho ngobuqhetseba (okanye ngenxa yephutha), unokukhuselwa . Nangona kunjalo, ungadinga ukubika ukurhoxiswa ngokukhawuleza ukukhuselwa ngokupheleleyo.
Print, Sign, kunye ne-Imeyili (Ukuba kufuneka)
Ukuba uvula i-akhawunti yebhanki kumntu, le nyathelo ayisebenzisi, ngoko ke yeqa kwiNyathelo 7. Ukuba uvula i-akhawunti kwi-intanethi, unokwenza uprinte, usayine, uthumele umqulu kwibhanki ngaphambi kokuba ivule i-akhawunti. Ezinye iibhanki zisebenzisa ukuveliswa kwekhompyutha kunye nemvume evunyelwe ngokomthetho - unokwenza konke kwi-intanethi. Kodwa ezinye iibhanki zifuna idokethi esayinwe ukuvula i-akhawunti. Ukuze bafumane amaxwebhu, i-akhawunti yakho ayisebenzisi.
KwiNgxowa-mali yakho
Ukuba uvula i-akhawunti yokutshekisha okanye yokulondoloza, uya kufuneka wenze idiphozithi yokuqala kwi-akhawunti. Ngamanye amaxesha oku kuyadingeka njengenxalenye yenkqubo yokuvula, kwaye ngamanye amaxesha unokuyenza emva kokuba i-akhawunti iphakame kwaye isebenza. Kukho iindlela ezininzi zokuxhasa i-akhawunti yakho:
- Imali ye-Deposit, enokuthi ifumaneke ukuba ichithe ngekhadi lakho lokubambisa ngokukhawuleza.
- Ukufakela isheke okanye umyalelo wemali kwi-akhawunti yakho. Imali kufuneka ifumaneke kwiintsuku ezimbalwa zeentsuku emva kokuba wenze idiphozithi.
- Misela idizithi ngqo ngqo kumqeshi wakho. Esikhundleni sokufumana i-paycheck, i-earnings yakho iya kuthunyelwa ngqo kwi-akhawunti yakho entsha.
- Ukudlulisa imali ngekhompyutha. Hambisa imali kwi-akhawunti yangaphandle yebhanki ukuze wenze idiphozi yakho yokuqala.
Qala ukusebenzisa iAkhawunti
Siyavuyisela, ungumnikazi ozikhukhulayo weakhawunti entsha! I-akhawunti yakho inokulungela kwimini embalwa ukuya kwiintsuku ezimbalwa. Ukujonga i-akhawunti kunye nokulondolozwa kwe-akhawunti, gcina iso kwikhadi lokubambisa ( okanye ikhadi le-ATM ) ngeposi. Unokufumana kwakhona i-checkbook ukuze ukwazi ukubhala ukuhlola. Ukwenza uninzi lwe-akhawunti yakho, ubhalisele iimpawu ezikunceda ukuphatha imali yakho:
- Ukuhlawulwa kwebhilikhi ye-intanethi kukuvumela ukuba uhlawule iindleko ngekhompyutha (ngaphandle kokubhala iirekhodi okanye iintlawulo zeposi).
- Insiza yeselula yebhanki yakho inokuvumela ukuba ubeke iitshekhi kude . Awudingi ukwenza uhambo ukuya kwisebe lokuzalisa idizithi zedizithi.
- Bhalisela ukubhalwa kweetekisi okanye i-imeyile ukuze wazi ukuba ibhalansi yakho ye-akhawunti ihamba ngaphantsi (okanye xa kukho ukukhutshwa okukhulu).