Ukuba ucinga ukugcina amaxabiso omyinge we-akhawunti aphantsi kakhulu , unokufuna i-akhawunti yokulondoloza inzala ephezulu. Ezi ngxelo zifezekileyo kubantu abafuna ukwakha i- fund yexakeka okanye abafuna indawo ekhuselekileyo yokubeka enye imali yabo. Ii-akhawunti zokulondoloza inzala ephakamileyo yindawo eninzi yokugcina ukuhlawula phantsi kwindlu okanye imoto entsha. Nangona kunjalo, ukuba ufuna ukukhulisa ubutyebi bakho, ungcono ekutshaleni imali yakho kwimali yomntu okanye kwi-real estate. I-akhawunti yokulondoloza, nangona inzala ephezulu, yindawo yokubeka imali yakho kwaye ayikho indawo yokunyusa imali yakho.
01 Iimali zeeMali zeMarike
02 Iikhompyutheni zokuLondoloza kwi-Intanethi
Iibhanki ezininzi ze- intanethi ziyakwazi ukunikela ngenani lentengo ephakamileyo kunebhanki yendabuko okanye umanyano wekhredithi . Kubalulekile ukuqinisekisa ukuba ibhanki iqinisekisiwe yi-FDIC. Kufuneka ujonge ukuqinisekisa ukuba isayithi ngalinye livumelekile phambi kokuba ubhalisele i-akhawunti. Ukongezelela, kufuneka ulungele ukuvumela iintsuku ezimbalwa ukuba uthumele imali kwi-akhawunti yakho yokujonga okanye yokugcina i-akhawunti. Unokudlulisela imali kwii-akhawunti zokulondoloza i-intanethi ngokukhawuleza kwaye uqaphele lula i-akhawunti. Inzuzo eyongeziweyo kukuba i-akhawunti yokulondoloza i-intanethi inokukunceda ukuphawula ukuthengwa kwempembelelo kuba kuthatha iintsuku ezimbalwa ukufumana imali.
Iziqinisekiso ze-Deposit 03
ISatifikethi seMali (ii-CDs) sinokunikela ngesantya semali ephezulu ngaphezu kwe-akhawunti yokugcina imali. Nangona kunjalo, uvale kwisantya somlinganiselo wexesha. Ukuba ngaba ixabiso lokunyuka liyakhuphuka, uya kubanjelwa inzala engaphantsi kwaye uya kulahlekelwa ngumdla xa ubeka imali ekuqaleni. Nangona kunjalo, le ngxelo efanelekileyo yokuqwalasela ingxowa-mali yexakeka okanye ezinye iinjongo zokugcina ixesha elifutshane. Unokuvula i-CD kwibhanki yakho okanye umanyano wekhredithi. Unokwazi ukufumana izinga eliphezulu kwiibhanki kwi-intanethi nangona kunjalo. Ukuba unenkxalabo yokuba uya kuchitha imali oyilondolozayo, i-CD inokuba yinto ekhethekileyo kuba abantu abaninzi abayi kuhoxisa imali ngenxa yezohlwayo.
04 Cinga ukuTyala imali yakho
Ukuba unomdla wokukhulisa ubutyebi bakho, kufuneka uqikelele ukutshala imali yakho. Kufuneka ube neengxowa-mali ezixakeka kwiinyanga ezintathu ukuya ezintandathu kwi- akhawunti yokulondoloza . Ukongezelela, kufuneka ulondoloze ukuthenga kwakho okukhulu okanye ukuhlawula imali kwi-akhawunti yokulondoloza. Emva kokufikelela kwezi njongo, kufuneka uqikelele ukutshala imali yakho yonke ukuze uzuze ubutyebi. Ukuba utyalo-mali lwakho lukhulu okanye luyikrakra kuwe, ngoko kufuneka uthethe kumcebisi wezemali uze ufunde malunga notyalo-mali oluziva lukhuselekile kuwe. Iimali zengxowa-mali ziyindlela ekhuselekileyo yokuqalisa utyalo-mali. Iimali zengxowa-mali zivele zisasaze umngcipheko kuba zisetyenzisiwe kwiimpahla ezihlukeneyo . Kufuneka ufune ingxowa-mali evulekileyo evulekileyo ubuncinane iminyaka emihlanu kunye nerekodi efanelekileyo.