Ngaphandle kokuba usebenze nebhanki ye-intanethi , ezininzi iibhanki kunye neemanyano zeentengo zemali zineendawo eziphathekayo kunye nabasebenzi, kwaye baqhuba amaziko okufowunela ngeeyure zokuncediswa kwabathengi.
Zihlawula njani zonke ezo zinto? Amabhanki athola inzuzo evela kutyalo-mali (okanye ukuboleka nokuboleka), iimali ze-akhawunti, kunye neenkonzo zezezimali ezongezelelweyo.
Nanini na xa unikela ngemali kwiziko lemali, kubalulekile ukuqonda imodeli yezoshishino kunye neyona nto uhlawula ngayo. Kodwa akusoloko icacisa ukuba iibhanki zihlawulwa njani. Enyanisweni, kukho iindlela ezininzi zeebhanki zokufumana ingeniso, kuquka ukutshala imali yakho kunye neerhafu zokuhlawula abathengi.
Ukusasazeka
Indlela yendabuko yeebhanki zokufumana inzuzo kukuboleka nokuboleka. Amabhanki athabatha iifomethi ezivela kubathengi (ngokukodwa ukuboleka loo mali kubanikazi beakhawunti), kwaye bawuboleka kwabanye abathengi. I-mechanics yinto enzima kakhulu, kodwa loo nto ingomxholo jikelele.
Bhatala ngaphantsi, ufumane okunye: Amabhanki akhokhela inzala kumaxabiso aphantsi ukuya kwabathengi abagcina imali kwi-akhawunti yokulondoloza, ii-CD kunye ne- akhawunti yemarike yemarike . Ngokuqhelekileyo abahlawulanga nantoni kwiimali ekuhloleni iakhawunti.
Ngelo xesha, ibhanki ihlawulisa inzala ephakamileyo yamanani kubathengi ababolekayo (ukusebenzisa imali-mboleko yasekhaya, iimali-mboleko zemali, iimali-mboleko zabafundi, iimali-mboleko zoshishino kunye nezinye iintlobo zemboleko).
Umahluko phakathi kwezinga eliphantsi ukuba iibhanki zihlawule kwaye izinga eliphezulu abayifumanayo liyaziwa ngokuba sisasazo okanye umda webhanki.
Umzekelo: Ibhanki ihlawula ipesenti yepesenti yepesenti ngonyaka (APY) ngemali kwi-akhawunti yokulondoloza. Abathengi abafumana iimali-mboleko zemoto bahlawula ubuncinane ama-4 ekhulwini (okanye ngaphezulu, kuxhomekeke kwizikolo zabo zemali kunye nezinye iimpawu zemboleko). Oko kuthetha ukuba ibhanki ifumana ubuncinane ama-3% kuloo mali-mhlawumbi kakhulu kunoko. Ngokukodwa ngamakhadi ekhredithi, ezinokuthi zibe neepesenti zephesenti zonyaka (APR) malunga neepesenti ezingama-20.
Utyalo-mali: Xa ibhanki ibolekisa imali kwabanye abathengi, ibhanki ngokuyinhloko "iyayifaka" loo mali. Kodwa iibhanki azithethi nje ngokunika imali mboleko kumxhasi wabo. Ezinye iibhanki zityalo ngokubanzi kwiintlobo ezahlukeneyo zeempahla (ezinye zezo zityalo-mali zilula kwaye zikhuselekile, kodwa ezinye ziyinkimbinkimbi kwaye ziyingozi).
Imimiselo ikhona ukukhawulela ukuba iibhanki zinokuyidlala njani ngemali yakho (ingakumbi ukuba i-akhawunti yakho i- insured i-FDIC ). Sekunjalo, iibhanki zisakwazi ukwandisa ingeniso ngokuthatha ingozi enkulu ngemali yakho, kwaye loo migaqo ithambe ukutshintsha ixesha.
Ukongezelela ekutyaleni imali, iibhanki zihlawulisa iintlawulo kubathengi.
Iimali zeAkhawunti
Njengomthengi, mhlawumbi uyazi ngemali echaphazela ukutshekisha kwakho, ukugcina imali kunye namanye ama-akhawunti. Ezi zityholo zilula ukudida , kodwa iifizi ziqhubeka zenza igalelo elikhulu kwiimali zebhanki.
Kwixesha elidlulileyo, ukukhangela kwamahhala kwakulula ukuyifumana, kodwa ngoku iindleko zokugcinwa kweakhawunti yenyanga ziqhelekileyo. Iqhinga lokufumana loo mali ihlawulwe .
Imali ye-Pesky: Ibhanki ihlawulisa iintlawulo zeentlobo ezithile zezenzo kunye ne "mpazamo" ozenzayo kwiakhawunti yakho. Ukuba ukhethe ukungena kwi-overdraft yokukhusela i-overdraft, kuza kukubiza i-$ 35 okanye njalo njalo xa uhlawula i-akhawunti yakho (kwaye unako ukuhlawula loo ntlawulo nangona ukhethe ukuphuma ). Bounce isheke ? Oko kuya kukubiza. Kukho uluhlu olude lweetyala eziza ngenxa yomsebenzi we-akhawunti, kubandakanya (kodwa kungaphelelanga):
- Imirhumo ye-ATM (kubandakanywa nemirhumo yeebhanki zakho, kwakunye neentlawulo ezisuka kwibhankini eneATM)
- Ukutshintshwa kwekhadi elahlekileyo okanye ebiwe (kunye neentlawulo ezongezelelweyo zokuhanjiswa kwekhawulezi)
- Ukuhoxiswa kwangaphambili kwi-CD
- Izigwebo zokuhlawulwa kwangaphambili kwiimali-mboleko
- Ukuhlawulwa kwexesha lokugqibela kwiimali-mboleko
- Imali yokungasebenzi
- Iimali zeengxelo zephepha
- Imirhumo yokuthetha nomtshi na ukuba unayo i-akhawunti engabizi kwi-intanethi
- Yeka izicelo zokuhlawula
IiNkonzo zeeNkonzo
Ukongezelela ekufumaneni imali evela kuboleka kunye nokubolekisa, amabhanki anikezela ngeenkonzo zokuzikhethela. Awukwazi ukuhlawula nayiphi na le, kodwa ininzi yabathengi bebhanki (ngabanye, amabhizinisi kunye neminye imibutho) yenza.
Izinto zihlukile kwiibhanki zonke, kodwa ezinye zeenkonzo eziqhelekileyo zibhalwe ngezantsi.
Amakhadi-mboleko: Uyazi ukuba iibhanki zihlawulisa inzala kwimali-mboleko yakho yemali mboleko, kwaye iibhanki zihlawula iifizi zonyaka kubasebenzisi bekhadi. Baphinde bafumane inzuzo yenkxaso-mali okanye "iimali ze-swipe" rhoqo xa usebenzisa ikhadi lakho ukuthenga (ukuthengiswa kwekhadi yamabhanki kuletha imali engaphantsi kweekhredithi). Yingakho abarhwebi banokukhetha ukuhlawula ngemali okanye ikhadi lokubambisa, kwaye ezinye ivenkile zize zidlulisele ezo ntlawulo kubathengi .
Iirekhodi kunye nemiyalelo yemali: Amabhanki atyhidile i-checker's checks yokuthengiselana okukhulu, kwaye baninzi banika neemali zemali zezinto ezincinci. Imirhumo yalezo zixhobo zihlala zijikeleze i-$ 5 ukuya kwi-10. Unokwenza uhlawule kwakhona uphenyo lwakho kunye nezoshishino kwibhanki yakho, kodwa ngokuqhelekileyo ixabiso eliphantsi ukuzalisa i-inthanethi kunye nenkampani yokuprinta.
Ulawulo lwezobutyebi: Ukongeza kwii-akhawunti zebhanki eziqhelekileyo, amanye amaziko anikela ngemveliso kunye neenkonzo ngabacebisi ngezezimali. IiKomishoni kunye nemirhumo (kubandakanywa nezinto eziphantsi kweemirhumo zolawulo) kuloo mi sebenzi yongeza inzuzo yeebhanki.
Ukuhlawulwa kwentlawulo : Amabhanki ahlala ephethe iintlawulo zamashishini amakhulu namancinci afuna ukuwamkela amakhadi ekredithi kunye neentlawulo ze-ACH ezivela kumakhasimende. Imirhumo yenyanga neye-intengiso iqhelekile.
Ukuhlawula okulungileyo: Ukuba ishishini lakho lijongene namasela okushicilela ukuhlola iifake ngeenkcukacha ze-akhawunti yakho, unako ukubeka iliso kwiibhanki zonke iintlawulo eziphumayo ngaphambi kokuba zigunyazwe . Kodwa ke, kukho intlawulo yaloo nto.
Imali yentlawulo: Ngokuxhomekeke kwibhanki yakho kunye nohlobo lwembolekiso, unakho ukuhlawula intlawulo yesicelo, umrhumo wemvelaphi ye-1 ekhulwini okanye kunjalo, amanqaku okuphuhlisa , okanye ezinye iimali zokufumana imali. Ezi ntlawulo zongezeleleka kumdla onokuwuhlawula imali.
Kuthiwani Ngezivumelwano Zemali?
Izinyunyana zemboleko ziyimimandla yabathengi abaqhuba imisebenzi engaphantsi kweebhanki. Banikezela ngemveliso kunye neenkonzo ezifanayo, zineentlobo ezifanayo zemirhumo, kwaye batyala imali ngokufanayo (ngokuboleka okanye ukutshala imali kwiimarike zemali).
Oko kwathiwa, ngenxa yokuba bangabathengi (okanye "amalungu") ngokuchasene nabafakeli-mali abafuna inzuzo, kwaye ngenxa yokuba benziwa yimibutho engahlawulwa yerhafu, iimanyano zeentengo zemali ngamanye amaxesha ziphishekela inzuzo encinci. Basenokuhlawula inzala emininzi, bahlawule imali encinci kwimali-mboleko, kwaye batyala imali ngokubanzi. Nangona kunjalo, iiyunithi zeentengo zemboleko zihlawula umdla kwaye zihlawulisa iintlawulo ezifana nento oyifumana kwi-bhanki eqhelekileyo, ngoko ke isakhiwo esahlukileyo sibugcisa kuphela.
Ukufumana ulwazi oluthe vetshe, jonga ukuba uManyano weeNkonyeli zisebenza njani