I-akhawunti yebhanki ye-Intanethi ingaba ibhetri yakho engcono
Yintoni eyenza ukuphakama okuphakamileyo kwi-akhawunti ye-Savings?
Ixesha elithi "i-akhawunti yokulondoloza imali ephezulu" yindlela nje yokuthetha ukuba ezi akhawunti zikhuphiswano lwe-akhawunti.
Kukho ngokuqhelekileyo kukho ezinye iifayile kule akhawunti. Ngokuqhelekileyo, uya kufumana i- APY ephakamileyo ( Intengo Yemivuzo Yonyaka). Nangona kunjalo, awuvunyelwanga nebhanki malunga nento ephakamileyo "APY".
Ukuba kunjalo, ungadinga ukuthenga ngeenxa zonke ukuze ufumane i-akhawunti ephezulu yokulondoloza i-akhawunti oyicingayo. Ukongeza kwiziko lemali zezitena kunye namatyala, unokucinga kwakhona ngeebhanki kwi-intanethi ukufumana i-akhawunti yokugcina imali ephezulu yokugcina imali.
Iimfuneko zeAkhawunti yokuThengisa imali ephezulu
Ngokuqhelekileyo, iibhanki zinikela ngokukhawuleza imali yokugcina imali kwiakhasimende athile. Ukuze ufaneleke, mhlawumbi kufuneka udibanise ubuncinane enye yeendlela ezichanekileyo. Ngokomzekelo, kuya kufuneka wenze idiphozithi eyaneleyo yokuqala, gcina ibhalansi ephezulu phezu kwexesha kunye nokukhawulelana nokuthengiselana ngaphakathi nangaphandle kwe-akhawunti. Kusenokwenzeka ukuba uya kufuneka ugcine ulwalamano lwebhanki. Uninzi lwazo zonke, khumbula ukuba iibhanki zifuna kuphela ukubonelela nge-akhawunti egciniweyo yokugcina iindleko kumakhasimende axabisekileyo.
Iingxelo zeBhanki ye-Intanethi
I-akhawunti yebhanki ye-intanethi ingaba yinto ehlukile kwimigaqo apha ngasentla. Ezi ngxelo zinikeza amazinga aphezulu kunye nobukhulu be-akhawunti njengento encinci njenge-$ 1! I-tradeoff kukuba kufuneka uyenze ngaphezulu komsebenzi ngokwakho, njengokusebenzisa i-Intanethi (ukuba ucinga ukuba lo msebenzi), ukudibanisa iakhawunti kunye nokulawulwa kokudluliselwa kwi-akhawunti yakho yokugcina imali.
Ukuba awuqhelekanga kwi-akhawunti yebhanki ye-intanethi, qhagamshelana nale ngqapheli ngokuphathelele kubo , uzalise imizekelo yabanikezeli.
Indlela yokufumana iindleko eziphezulu eziKhuselekileyo
Iingcali zezezimali ngokubanzi zicebisa ukusebenzisa i-akhawunti yebhanki ye-intanethi ukuba umthengi ukhululekile kakhulu kwiibhanki kwiwebhu kuba apho baya kubaleka ngokubanzi kwimimiselo embalwa . Unokufumana ukuhlaziywa kwamanye ama-akhawunti athandwayo ngamaphepha axhumene ngezantsi:
- IiRhafu zeNkcazo zeNgcaciso zeAkhawunti eziPhezulu
- I-Banking 101
- IiBlogs zeBhanki kunye neMiphakathi
- Kuphi ukuvula iAkhawunti yokuSindisa yamahhala
Ukuba uninzi lwezitena kunye nomntu onobhantshi womntu, kufuneka uhlole nje ngebhanki yakho ekhoyo. Buza into oyifunayo ukuba ufumane umlinganiselo ophezulu kunokuba ufumana ngoku. Ukuba abanakukunika nantoni na, khangela "i-akhawunti ephezulu yokugcina imali" kwi-intanethi. Kufuneka ube nako ukufumana ibhanki echanekileyo kwindawo yakho kunye nento yokunikela. Oku kuhamba kabini xa uhlala kwindawo enkulu yedolophu kunye neebhanki ezahlukeneyo zokukhetha.
Ukuba, ngenxa yesizathu esithile, awuhlali ujabule ngeakhawunti ezongeziweyo zokugcina imali, ziqwalasela ezinye izixhobo zebhanki eziza kubangela inzala ephezulu, njengama-CDs (iiSatifikethi seDistim).
NgeCDs, uya kufuneka uvumelane ukuba ungawuhoxisi imali yakho ngexesha elithile, rhoqo rhoqo ezintandathu kwiinyanga.