I-Akhawunti ye-Savings Co-Signer
Abantwana abangaphantsi kweminyaka eyi-18 abavunyelwe ngokomthetho ukuba batyikitye amaxwebhu, njengalezo usayina xa uvula i-akhawunti yokulondoloza . Ngethamsanqa, unako ukuvula i- akhawunti yokulondoloza ngokufumana amagama akho omabini kwi-akhawunti. Xa umntwana eguquka ubudala, ungaya ebhankini uze ususe igama lakho ngonaphakade. Nangona umntwana wakho usemncinci, kunjalo, uya kuba nguye oya kuba nokulawula kwe-akhawunti. Uya kuba nekhono lokwenza ukurhoxiswa okanye idiphozi kwaye uvale xa kuyimfuneko.
Izidingo
Kufanele uceba ukubonisa isatifikethi sokuzalwa kwintsana yakho xa uvula i-akhawunti yokulondoloza. Uninzi lweebhanki aluyi kuba neminyaka emncinane ukuba umzali uya kubalwa kwi-akhawunti. Nangona kunjalo, bafuna ukuqinisekiswa koxanduva lomthetho lomntwana. Uya kufuna ukubonisa ilayisenisi yakho yokuqhuba. Kufuneka ulindele kwakhona ukwenza uhlobo oluthile lokufaka idizithi yokuqala ukuvula i-akhawunti.
Ukongeza, uzakufuna zombini iinombolo zakho zokhuseleko loluntu ukuvula i-akhawunti yokulondoloza.
Imali
Ii-akhawunti zokugcina zihlala ziphethe iirhafu. Kukho iindlela zokujikeleza le nyaniso. Qala ngokuthetha nebhanki okwamanje usebenzisa. Baya kunikezela iakhawunti ezinokuxhumeka kwiakhawunti yakho yokukhangela, ukuvumela ukuba ugweme iifizi.
Imbhanki yakho yebhanki okanye ibhanki ye-intanethi inokunika i-akhawunti yokulondoloza ngaphandle kweemali ezifakwe apha. Ezinye iibhanki zibonelela ngeakhawunti eziza kulukhupha imirhumo enikezelwa ngenani elithile leentlawulo zenyanga nganye. Enye inketho kukuba ukhethe i-akhawunti engenayo iindleko zenkonzo xa kukho ubuncinane bhalansi. Unako ukuvula i-akhawunti ngokunika ubuncinane ubuncinane kubantwana bakho njengesipho. Qiniseka ukuba ufunde ukushicilelwa okulungileyo kuyo nayiphina i-akhawunti ukuze wazi ukuba izizathu zokuhlawulwa zihlawulwe kwaye ziyakwazi ukubeka umsebenzi ngokufanelekileyo.
Indawo
Ibhanki kufuneka ibe lula kwikhaya lakho. Ibhanki ye-intanethi yinto enhle kubantu abadala, kodwa njengoko umntwana wakho ekhula uya kufuna ukumthabatha ukuba uhambele ibhanki apho imali yakhe ikhona. Ukukhetha ibhanki elisondele ekhayeni kuya kuvumela umntwana wakho okhulayo ukuba athathe idiphozi rhoqo kwaye aqale ukuqonda ukubaluleka kokugcina. Ingane yakho ingenakukhathalela ngoku, kodwa umntwana wakho omdala uya kuthanda ukutyelela ibhanki aze abone imali engayilondolozile.
Inzala
Inzala kwii-akhawunti ezininzi zokulondoloza ayinangqondo. Ngokuqinisekileyo uza kufumana amazinga angcono ngokujonga i-syndicate yakho yesikweletu . Thetha nebhanki yendawo malunga neeprogram ezinokukunika iirhafu zentlalo ezithandekayo. Ungakwazi ukuhambisa imali kwisitifiketi esithandekayo se-deposit okanye i-akhawunti yezobalo-mali njengoko ikhula, evumela umntwana wakho ukuba athole inzala engakumbi ekulondolozeni kwakhe.
Akunakuqala ukuvula i-akhawunti yokulondoloza kwaye uqale ukufundisa umntwana wakho inani lokugcina imali. Akufuneki ukuba yindleko okanye iyancipha, kwaye iqinisekisiwe ukuba ngumthombo wokuqhosha ngumntwana wakho okhulayo.