Khuselekile, ukhuphiswano kwaye kulula ukwenza i-akhawunti yokulondoloza ifanelekile
Ngaba ufuna ukwazi indlela yokufumana i- akhawunti engcono yokulondoloza ? Ngeli khokelo, unokufumana i-akhawunti yokulondoloza eya kukunceda kakhulu. Ngokubanzi, gcina iingcebiso ezilandelayo ngqondweni: Iingxelo ezigcinwe kakuhle zikhuselekile, zihlawule isivuno sokhuphiswano kwaye wenze ubomi bakho bube lula. Musa ukuhlala kuyo nayiphi na ibhanki okanye umanyano wekhredithi, kodwa jongela ufumane i-bhanki eyokunika oko ufunayo kwi-akhawunti yokulondoloza.
Ukufumana iBhanki
Ukuba uqala ukususela, kufuneka ufumane ibhanki.
Iingxelo zokugcina imali ezikhuphisanayo kule mihla zisebhanki ye-intanethi . Zihlala zihlawula ngaphezu kweebhanki zamatye kunye nomdaka , iintlawulo ziphantsi okanye azikho, kwaye zinayo zonke iintsimbi kunye nezikhwelo ozifunayo.
Ezinye zezona ngxelo zokugcina imali zivela kubadlali abakhulu be-intanethi, kwaye abanalo ubuncinane bemfuneko yokulinganisela:
Ukuba unempahla eninzi ukuyibeka, iingxelo ezingentla zingenakuba yisisombululo esiphezulu se-akhawunti kuwe, njengoko ezinye iibhanki zihlawula ngaphezulu ngeemali eziphezulu.
Izixhobo ezingaphezulu
Ngaphambi kokulungiswa kwibhankini, phanda iimpawu ezibalulekileyo kuwe. I-akhawunti engcono yokulondoloza yenza okungaphezulu kokuhlawula umdla - yenza lula ubomi bakho. Iingcamango ezimbalwa malunga nokunciphisa uluhlu phantsi kwaye ulungele kwi-akhawunti yokugcina imali engakumbi kwiimeko zakho zibandakanya ukuzibuza ukuba uya kusebenzisa iiCD kunye nokuba ibhanki ibanika yona.
Kwakhona, ngaba ufuna ukukhuphela ulwazi kwi software yakho yemali ? Ngaba zikhona indawo eziphathekayo xa ufuna ukutshekisha isheke? Ekugqibeleni, kuya kuthatha ixesha elide ukuthunyelwa kwebhanki kwi-bank, kwaye ungayifaka iisheke ngefowuni yakho yeselula ?
Ukuphepha izibango
Emva kokuba ufumana i-akhawunti engcono yokulondoloza iimfuno zakho, qiniseka ukuba imali yakho iya kukhuseleka ukuba ibhanki iyingxaki.
Okokuqala, qiniseka ukuba ibhanki inomshuwalense we-FDIC kwindawo kwaye i-akhawunti yakho iya kugutywa ngokupheleleyo. Ukuba usebenzisa i-credit union , khangela i- inshurensi yakwa-NCUSIF , echanekileyo njenge-inshurensi ye-FDIC.
Kufuneka uphinde uphonononge ukubuyekezwa kwi-akhawunti ukuqinisekisa ukuba ibhanki inika into ethembisa. Qala nge-Google kunye ne-DepositAccounts (i-DepositAccounts nayo igcina uluhlu oluhlaziyiweyo lwama-akhawunti angcono okugcina).
Ngona i-akhawunti engcono yokulondoloza iyakubonisa ngeengxaki ezinokubhanka kwi-intanethi. Zilungiselele ngolwazi ngaphambi kwexesha ngokubonisana nezixhobo ezinjenge " Izizathu ezi-3 zokuPhepha iiAkhawunti zeBhanki kwi-Intanethi ."
Akhawunti zeNtlawulo
Unokufumana ukuba ufuna okungaphezulu nje kwe-akhawunti yokonga . Ukuba ufuna i-akhawunti yokuhlawula - ukubhalwa kwendlela yokubhalwa kwintlawulo, ukuhlawulwa kwerhafu ye- intanethi kunye nokufikelela kwekhadi lokungena kwemali-ke khangela i-akhawunti ye-hybrid. Unokufumana ukubuyisana ngokuncintisana ngemali yakho njengawe kunye ne-akhawunti engcono yokugcina imali, kwaye unako ukwenza iintlawulo ezifana nokwenza ngokujonga i-akhawunti .
Ezinye zeengxelo ezingezantsi zinokuhlangabezana neemfuno zakho:
Qinisekisa ukuba uquka "iingxelo zokuhlola " njengabaviwa abanakho xa usenza uphando lwakho. Ezi ngxelo zihlala zihlawula ngaphezu kwee-akhawunti zokulondoloza, kwaye ungasebenzisa imali kwi-akhawunti.
Ingxaki kukuba ufanele uhlangabezane neendlela ezinqandekayo zokufumana inzala ephezulu .