IiRhafu zeBhanki kunye noQoqosho
Imiqathango yezoqoqosho yona nto ibaluleke kakhulu kwiirhafu zemali ebhanki. Ingaba ufumana imali eninzi okanye incinci kuxhomekeke kwimilinganiselo ehlabathini lonke.
Ngokona nxalenye, inzala yebhanki ilandelwa amanye amazinga. Xa amaxabiso "ngaphandle" aphantsi, awunakufumana imali eninzi kwi-bhanki yakho; xa ireyiti yemigangatho iya kubakho, ixabiso lebhanki liya kulandela.
Amaxabiso aphantsi kakhulu ngexesha loqoqosho ludityanisiweyo. Akukho mfuneko emininzi yemali, ngoko awuzukuvuzwa ngokunikezela kwibhanki yakho. Akukho mgca wabathengi ababetha emnyango webhanki becela ukuboleka imali. Ibhanki iyonwabile ukuthatha imali yakho, kodwa ayikwazi ukwenza okunye nayo, ngoko kukuhlawula ixabiso eliphantsi.
Iibhanki ezahlukeneyo, iiNqanaba ezahlukeneyo
Uninzi lwamanani ebhanki e-bhanki alungelelene kumgangatho ofanayo, kodwa ngokuqinisekileyo kuya kubakho ukungafani. Ezinye iibhanki zihlawula ngaphezu kwamanye kwimveliso efanayo (njenge-akhawunti yokulondoloza, umzekelo). Akuqhelekanga ukufumana u -1 % we-APY okanye ngaphezulu phakathi kweebhanki, kwaye unokongeza.
Kutheni amanye amanani entengo yebhanki aphezulu ngaphezu kwabanye? Amabhanki akhulisa amaxabiso xa efuna ukuqokelela imali.
Ukuba badinga ukufumana idiphozi emnyango, iqondo eliphezulu kwi-akhawunti yokulondoloza iya kutsala imali. Ukuba ngakolunye uhlangothi, abayidingi imali, bangakwazi ukugcina amanqanaba aphantsi.
Amabhanki aneendlela ezahlukeneyo zokufumana imali . Abanye bathabatha iifowuni kwaye baboleke, ngelixa abanye bathatha indlela eyahlukeneyo (imali engenayo kunye neentlawulo ezivela kwezinye iinkonzo ezifana namakhadi-mboleko kunye neshishini elincedisayo).
Ngokuxhomekeke koqoqosho-mhlawumbi uqoqosho lwengingqi kwiibhanki ezincinci kunye neemanyano zemali-mboleko - uya kufumana ukuba "ukuboleka nokuboleka" iibhanki zitshintshe izinga njengoko iimfuno zabathengi bazo ziguquka.
Isakhiwo sobume kubalulekile. Ezinye iibhanki zinabanini-nxaxheba banqwenela ukuba ibhanki ikhule (kunye / okanye yabelane ngenzuzo kunye nabanini-masabelo), kwaye kunzima ukuba loo mabhanki akhokhe iirhafu eziphezulu kuma-depositors. Nangona kunjalo, ezinye iibhanki ziyakwazi ukugcina kuphela oko zifuna ukuhlawula iindleko kunye nokwabelana nazo zonke ezinye iingeniso (kwiimali mboleko, iimali ze- ATM , njl njl) kunye nabanikazi beakhawunti. Amabhanki amancinci kunye neemanyano zeentengo zemali ziyakwazi ukulingana nomzekelo wokugqibela.
Fumana i-Interest Benefits Bank
Yintoni ongayenza ukuze uthole amaxabiso angcono ? Ukuba amaxabiso, ngokubanzi, aphantsi, awukwazi ukwenza okuninzi ukutshintsha uqoqosho-kodwa ungasesha amazinga kumgangatho ophezulu wezinga leerhafu ezikhoyo.
Okokuqala, funda ukuba ngaba akufanelekanga ixesha lakho ukugxotha amanqanaba aphezulu ebhanki. Uninzi lwabantu aludingi iqondo eliphezulu ngaphandle (okanye kwinqanaba eliphezulu elishumi-percentile). Yenza izibalo uze ufumene ukuba uza kuzuza phi xa ufanele utshintshe amabhanki, kwaye ukhumbule ukuba imali yakho ingaba "ingenzi lutho" - ungayifumani umdla - ngelixa uhamba nayo.
Ukuba ufuna ukufumana ngaphezulu, jonga ngeenxa zonke. Qala ngokuphanda ubuncinane kwelinye lala maziko alandelayo:
- Ezinkulu zeebhanki
- Amabhanki asekuhlaleni
- Ibhanki e
- Imanyano yematyala
Njengoko uthengeza, jonga "iingcali." Xa iibhanki zifuna ukuqokelela impahla, zihlala zibeka iintengiso kwiimaphephandaba zendawo, amabhodi amabhodi kunye namanye amaphephandaba. Iirhafu ezithengisayo azikwazi ukuhlala ngonaphakade, kodwa uyazi ukuba uya kwenza okulungileyo - ubuncinane kwithuba elithile. Iiwebhusayithi kunye namaqonga azinikezelwe kwi "intsebenziswano" nayo yindawo enkulu yokujonga, kuquka:
- Slickdeals.net
Ekugqibeleni, bathetha nabasebenzi kwiibhanki ezincinci kunye neemanyano zeentengo zemali xa unempahla ebalulekileyo. Buza ukuba bangayinikela xa ubazisa idiphozithi kubo - umongameli weziko mhlawumbi angaphantsi kweholo, kwaye unokufumana isipho esihle kwindawo leyo. Khawucinge ukuba ungayifakela ixesha elingakanani ukuvalela impahla, kwaye ubuze ukuba bangayinikela ukuzinikela kweenyanga ezili-12 okanye ezingama-36.
Ukuba ufumana ukhangele kumaziko ongaqhelanga nawo, qi ni sekise ukuba i- FDIC iqinisekisiwe (okanye i- NCUSIF iqinisekisiwe ukuba iyimanyano yamatyala ). Kunokwenzeka ukuba ufumane ngaphezulu ngokuthatha ingozi eyongezelelweyo, kodwa oko akunokuba yinto enomdla kuyo.