Ukushiya ivulekile? Xa unabamelwane abangaboniyo okanye abangabambisani nabo kwi-akhawunti, kunokusilingela ukuba ushiye i-akhawunti evulekile. Kodwa ukuvala ii-akhawunti zakho zebhanki ngokukhawuleza kunokukhusela ngeendlela ezininzi:
- Ukuthintela izigwebo: Vimbela abanye abanikazi beakhawunti ekusebenziseni i-akhawunti. Ukuba bazama ukusebenzisa imali (ingakumbi imali engekho) kunye nokuhlawula iindleko zecala kwi-akhawunti, ibhalansi ye-akhawunti ingahamba ingalunganga. Uya kufuneka uyibuyisele phezulu ukuze uvale i-akhawunti.
- Ncitshiswe iifizi: Gqiba ukuhlawulwa kwemali yenyanga kunye nokungasebenzi kwemirhumo . Kutheni uhlawula into ongayisebenzisiyo?
- Imbopheleleko yomthetho: Nangona ukuba nguwe kuphela usebenzisa i-akhawunti kwaye uthembela omnye umntu, abanikazi beakhawunti bebambisene nezimali zabo kwi-akhawunti. Ukuba omnye umnikazi weakhawunti uyamangalelwa (ngeentlawulo ezingahlawulwa okanye umonakalo wemoto, umzekelo), ababolekisi bangakwazi ukuthatha imali yakho .
- Ukucoceka kwexesha: Ngamanye amaxesha ufuna ukubeka ixesha elidlulileyo emva kwakho. Ukuvala ii-akhawunti ezindala kunokubonelela ngoncedo lwengqondo kunye nokuphelisa izikhumbuzo ezingafunekiyo.
Ama-akhawunti ahlangeneyo avumela ukufikelela okupheleleyo kumnini ngamnye we-akhawunti. Ngenxa yoko, umntu unokusebenzisa yonke imali kwi-akhawunti ngaphandle kokuvunywa kwabanye.
Ekulungeleyo iintsapho ezixakekileyo kunye nabalingani bezoshishino abafuna ukusebenza ngokufanelekileyo. Kodwa izinto zingaba nzima xa ubuqabane buphela. Ngaphambi kokuba uhambise imali okanye uvale i-akhawunti, qinisekisa ukuba okanye unalo ilungelo lomthetho kwenye okanye yonke imali, kwaye uvavanye indlela abanye abanikazi beakhawunti abangasabela ngayo xa uqhubeka phambili ngaphandle kwegalelo labo.
Indlela yokuVala iiAkhawunti zeBhanki ezihlangeneyo
Inkqubo yokuvala i-akhawunti incike kwi-bhanki yakho, kwaye ezinye iibhanki zenza kube lula kunabanye. Ukuba ufuna ukuhamba ngokukhawuleza, qha ga mshelana nebhanki yakho okanye isebe leenkonzo zabathengi.
Ngubani ofuna ukuvuma? Ezinye iibhanki zivumela nawuphi na umnini-akhawunti ukuba avalile i-akhawunti edibeneyo ngabanye. Kodwa ezinye iibhanki ziyakunqikaza ukuvumela abathengi ukuba bavale ii-akhawunti ngokungahambisani, ngoko ke bafuna imvume kumnikazi ngamnye weakhawunti ukuba asebenze isicelo sakho. Ukuba ukhawuleze i-akhawunti yakho ngokufuna ukuba ngamnye umnini-akhawunti avumele iintlawulo, ezo zithintelo zingafaka izicelo kwezinye i-akhawunti.
Indlela yokuzibuza: Kananjalo, imigaqo-nkqubo yebhanki ichaza indlela oya kuyidinga ngayo ukuhambisa imiyalelo.
- I-intanethi kunye nee-app: Ezinye iibhanki zikuvumela ukuba uvale i-akhawunti ezidibeneyo kwi-intanethi, mhlawumbi ngeenkqubo ezenzekelayo okanye ngokubhalela iNkonzo yabathengi ngexesha ungene kwi-akhawunti yakho.
- Imeyili: Ezinye iibhanki zithatha imiyalelo ngokubhaliweyo (kunye neyesayina okanye ezinye iisayina ezifunekayo).
- Ifowuni: Kungenzeka ukuba ubize ummeli wenkonzo yamakhasimende kwaye vala i-akhawunti yakho ngezwi.
- Ngomntu: Iimfuno ezixakekayo-ezisekho kwiibhanki ezithile-kukuba bonke abanikazi be-akhawunti kufuneka bavelele isebe kumntu ukuvala i-akhawunti. Ukuba kunjalo, qiniseka ukuzisa i-ID yesithombe uze uvumele ixesha elide ukugqiba inkqubo.
Iibhanki ze-intanethi zihlala zilula ukusebenzisana kunye, kunye neebhanki zendabuko zifuna ukuba bonke abanikazi beakhawunti babonakale kumntu. Ngokomzekelo, bobabini i-Ally Bank kunye ne-Capital One 360 bavumela nayiphi na umnini-akhawunti ukuba avalile i-akhawunti edibeneyo-kwaye uyiyenze kwi-intanethi.
Imiyalelo ngeNyathelo-ngeNyathelo
Ukuvala i-akhawunti kunokufumana imiphumo. Ukuba izinto zihamba kakubi, ungaphuthelwa iintlawulo, uhlawule iireki, kwaye uhlawule iimrhumo ezingadingekile. Ukuthintela nayiphi na imingxuma, landela olu luhlu olusisiseko lokutshintsha ibhanki . Njengengqungquthela, kufuneka:
- Fumana ibhalansi yakho kwi-zero. Iimali zokugcina iifom ukuze wenze nayiphi na ilahleko, okanye unqume ukuba ungathanda njani ibhanki yakho ukuba isasaze nayiphi na imali eseleyo kwi-akhawunti ekupheleni. Amabhanki angenza ucingo ngemali kunye nokuhlola iimeyile, okanye ungadlulisela imali ngaphandle kwakho .
- Yeka konke ukuhoxiswa. Ukuthintela i-overdrafts ebizayo kunye nokulibaziseka ekuvaleni iakhawunti yakho. Qinisekisa ukuba zonke iisesheke ezigqityiweyo ziye zazinziswa, kwaye zikhansele nayiphi na iintlawulo zerhafu ezizenzekelayo. Uphando lweenyanga ezili-12 zomsebenzi ukuze ungalibali nto. Ukutshabalalisa amakhadi okukhawuleza kunye nokuhlola okuxhunyiwe kwi-akhawunti ukukhusela iimpazamo.
- Yilungele i-akhawunti yakho entsha. Qiniseka ukuba uphakamise kwaye usebenza kunye ne-akhawunti. Uya kufuneka ufumane iintlawulo, uchithe imali, uhlawule iibhili , kwaye ugcine imali.
- Buza ibhanki yakho ukuvala i-akhawunti endala. Kwakhona, fumana ukuba zeziphi iimfuno-ngubani onokucela ukuvalwa, indlela yokuthetha isicelo sakho, njalo njalo.
Gwema Iingxaki Zomthetho
Ngenxa yokuba ngamnye umnini-akhawunti ufikelela kwi-100 yeepesenti yemali kwi-akhawunti ebhanki yebhanki, nabani na ongayinayo i-akhawunti ngaphandle kwemvume evela kwabanye abanikazi be-akhawunti. Oku kungabangela iingxaki ngeendlela ezininzi:
- Usenokungenalo ilungelo lomthetho ngemali oyithathayo, nangona ibhanki yakho ikunika igunya lokurhoxisa imali kwaye uvale i-akhawunti. Ngokomzekelo, umyalelo wokuqhawula umtshato ungasithi imali iyingxowanxu.
- Omnye umnini we-akhawunti angakhipha i-akhawunti yakho ngaphandle kolwazi lwakho. Ukuba awuthembeli abanikazi bakho beakhawunti, bathetha nommeli wendawo ukuba baxoxe ngeendlela zokuzikhusela.
Unxibelelwano lunokuhamba ixesha elide ekunciphiseni iindleko zakho zomthetho. Ukuba kunokwenzeka, xubusha indlela yokwahlula imali kwi-akhawunti edibeneyo ukuze izinto zingabi nabubi nakakhulu.