Kuphi ukuvula iAkhawunti yokuSindisa yamahhala

Fumana iAkhawunti Yokugcina ngaphandle kweMali

I-akhawunti yokulondoloza ayifuni ukuhlawula ingalo nomlenze. Ii-akhawunti zokulondoloza zamahhala zilungele njengeakhawunti ezibiza kakhulu - zihlala zibhetele kangcono kuba awuyi kulahlekelwa phantsi kweemali eziphezulu. Kuqiqile ukugcina imali ehlezi ngeenxa zonke ekulondolozeni ukuze izinto zisebenze kakuhle kwaye unokwenza imozulu naziphi na iziphepho ezizayo. Kodwa ukuhlawula imali kunye nokubukela imali oyigciniweyo iyancipha kwenza kube lula ukuba uhlale uninzi (nokuba kukho) ekulondolozeni.

Ngaloo nto engqondweni, yiphi indawo efanelekileyo yokuvula i-akhawunti yokulondoloza mahhala? Funda ngeengcamango ezimbalwa.

WeNgingqi okanye kwi-Intanethi?

Unokufumana i-akhawunti yokulondoloza imali-mali kwiindawo ezahlukeneyo, kubandakanya iibhanki ze-intanethi kunye namaziko ezitena kunye namadaka . Ukuba ufuna ukwenza ibhizinisi lakho kumntu, i-brick-and-mortar bank yindlela yokuhamba. Nangona ufuna ukufumana ibhanki kwi-intanethi , unokufuna i-akhawunti kwibhanki yendabuko okanye kwimanyano yemboleko ukuze ufumane i-akhawunti yakho ye-intanethi ivuliwe.

Amaziko amancinci ukubethelwa kwakho ngokubhetele xa kuziwa kwii-akhawunti zokugcina izitena eziphantsi kweendleko. Ibhanki ezinkulu zinokunikela ngeakhawunti yamahhala kwakhona, kodwa banzima kakhulu ukufumana nokufaneleka (unokufuna ukugcina ibhalansi yebhanki encinane okanye ukusetha iifomethi ngokuzenzekelayo kwi-akhawunti ukwenzela ukukhusela iimali). Ukuba unenkathazo ekufumaneni into oyifunayo, khangela iibhanki zendawo kunye neemanyano zesikweletu ezingezo iimveliso zesizwe.

Amabhanki asele

Ibhanki ye-intanethi yindawo enokwethenjelwa yee- akhawunti zokulondoloza mahhala .

Banikezela ukugcina imali ephantsi kunye nokujonga i-akhawunti iminyaka, kwaye ayitshintshi (nangona iibhanki zendabuko ziye zaphakamisa iintlawulo kwiminyaka yamuva). Ukuba ufumana inzala ephezulu ( APY ) ibalulekile kuwe, ngokuqinisekileyo kufuneka ugxile kwiibhanki ze-intanethi. IiRhafu ziqhelekileyo (kodwa kungekho rhoqo) ezingcono kwi-intanethi.

Ngaba ufuna ezinye iingcamango kwi-akhawunti yokugcina imali ngaphandle kweemali? Zama iingxelo ezingezantsi. Akukho ncinane yokuvula le akhawunti, akukho mali yokugcinwa kwenyanga, kwaye unokuvula i-akhawunti ngokupheleleyo kwi-intanethi .

Inkunzi eyodwa 360: I- Capital One 360 bubungqina obutsha be-ING Direct (nguvulindlela kwi-akhawunti ye-akhawunti yokugcina i-intanethi). Bafumana amandla okwenza ihashe ukwenza okufunekayo, kwaye amaxabiso akhuphisana. Qaphela ukuba udinga i-akhawunti " yokuxhuma " kunye ne-mortar yokujonga i-akhawunti ukuvula i-akhawunti yokulondoloza nge-Capital One 360.

I-Ally Bank: Ibhanki ye- Ally enye ibhanki ye-intanethi ekho kuyo kwithuba elithile. U-Ally uyingqayizivele kuba awudingi i-akhawunti yezitena ne-mortar ukuze ufumane i-akhawunti; unokwazi ukumisa i-akhawunti ye-Ally standalone kwaye uyixhase nge-deposits, idiphozithi ngqo, okanye uwedluliso lwefowuni.

Inkunzi eyodwa 360 kunye no-Ally ziphakathi kweebhanki ezidumileyo kwi-intanethi, kodwa azinjalo kuphela - kwaye azinjalo. Uninzi lweebhanki ezinkulu ze-intanethi zifana, ngoko ukhethe ibhanki enama-akhawunti okugcina mahhala kunye nempawu ezithile ozifunayo. Mane uqaphele ukuba iirhafu zitshintsha rhoqo; Ukuba ukhetha ibhanki nje ngenxa yokuba ibhanki inomyinge wezinga eliphezulu, elinye ibhanki liza kuhamba phambili kwaye linikezele ngakumbi.

Iingxelo zezo shishino: ukuba uqhuba ishishini, kulungile ukuhlula i-akhawunti yakho kunye ne-akhawunti yakho. Unokudinga ukuvula i-akhawunti ukujonga i-akhawunti ukuze ufumane i-akhawunti yokulondoloza kwishishini lakho, kodwa uya kufuna ukujonga njalo (kwaye ezinye iikopi zihlawula inzala-mhlawumbi ukuphelisa i-akhawunti yokugcina imali). Unyulo oluninzi luquka i- US Bank "iSiliva" kunye neNkunzi eyodwa "I-Spark," kodwa kufuneka uqaphele iimanyano zesikweletu zendawo kunye namabhanki asekuhlaleni.

Cwangcisa phambili

Njengoko unquma ukuba uza kuvula i-akhawunti, qiniseka ukuba ucinga malunga neempawu ze-akhawunti zibalulekile kuwe, kwaye qinisekisa ukuba ezo nkonzo ziyinxalenye ye-akhawunti yokulondoloza mahhala (okanye ubuncinci ukuqinisekisa ukuba nayiphi imirhumo ilawulwayo). Imibuzo embalwa ukuba uqalise ngayo:

• Ngaba uya kufumana ikhadi le-ATM?
• Ngaba ii-ATM ezingenazi-mali ezikhoyo kwindawo yakho?
• Kubalulekile ubuso bombuso ubuso nobuso? Ukuba kunjalo, amasebe afanelekile kwaye avule xa ufuna?

• Ingaba i-bhanki inikezela ngeendidi ezahlukeneyo zeCD ?
• Ngaba unako ukwenza idiphozithi kwi-intanethi okanye ngefowuni yakho?
• Naliphi na imfuneko yokwenza ukutshintshwa kwefowuni? Ziyabiza malini?

Kuthiwani ngeenkonzo ngaphandle kwe-akhawunti yokulondoloza? Unokudinga i-mortgage, ibhokisi yepositi ekhuselekileyo , okanye i-akhawunti yokukhawuleza kungekudala, kwaye kuya kusengqiqweni ukuba yonke indawo kwindawo enye. Ubomi bakho buya kuba lula xa ukhetha ibhanki ekwazi ukujongana neemfuno ezininzi - uza kufumana iingxelo ezimbalwa (okanye i-imeyile), kwaye akuyi ku funeka ulandele i-akhawunti ezininzi kwi-intanethi. Ukongeza, iibhanki ziyakwazi ukukhupha iimali kwi-akhawunti yokujonga nokugcina imali xa usebenzisa iimveliso ezininzi.