Nangona kunjalo, kubalulekile ukuqinisekisa ukuba iinkonzo zakho zokutyalomali zebhanki zilungele wena.
Ziziphi iingenelo zokusebenza kunye neBhanki yam?
Abantu baya kukhetha ukusebenzisa ibhanki yabo kuba banomuvo wokuthi umcebisi wezemali uthembeke ngakumbi okanye kuba lula ukwenza inkqubo yokukhangela umcebisi wezezimali . Kubalulekile ukuqwalasela indlela umcebisi wezezimali ehlawulwa ngayo. Umntu ohlawulwa ngokupheleleyo kwi-khomishini angenakho ukuphakamisa iimveliso ezingayi kuhambelana ngokuthe ngqo kumgangatho wokhuseleko lwakho lotyalo-mali.
Umcebisi wezemali osebenzela ibhanki uya kuba nakho ukunikezela ngeentlobo ezahlukeneyo zotyalo-mali kunye neendlela zomshuwalense wobomi. Imirhumo ye-brokerage kufuneka ifaniswe nabanye abacebisi ngezezimali abasebenza ngokukhethekileyo kwindlu yokuthengisa okanye ngokuzimela. Kuyakhuthaza ukuba nenkampani ethembekileyo kunye negama xa ucinga ngokutyalomali.
Kungaba kuhle ukuqhubeka nokusebenza kwishishini apho sele unayo i-akhawunti esekwe. Kufuneka ufumane oko kwenzekayo xa ufuna ukutshintsha ibhanki kuba uhamba okanye ngenxa yezizathu ezifanayo. Unokufuna ukukwazi ukushiya utyalo lwakho kwi-bhanki nangona ungenayo i-akhawunti kunye nabo.
- Cinga ngemveliso kunye neenkonzo ezinikezelwa ngebhanki yakho.
- Abanye abacebisi ngezezimali baya kunika ngaphezu kweenkonzo zokutshala imali kwaye banokukunceda kunye ne-inshorensi yobomi kunye neemfuno zocwangciso lwezoshishino. Qinisekisa into oyifunayo kwaye uyifunayo uze ukhangele umdlalo omhle.
- Udliwano-ndlebe nomcebisi ukuba uya kusebenza kunye naye ukuze ubone ukuba ungumdlalo ofanelekileyo.
- Khangela iifizi ezihlawulwa yiibhanki ngokusekelwe kumashishini, iintlanganiso kunye neenkonzo.
Ndingayifumana njani uMcebisi wezeMali?
Njengoko ukhangelele umcebisi wezezimali, kufuneka uqwalasele zonke iinketho zakho kwaye ungakhethi nje kuphela into efanelekileyo. Buza ngeenxa zonke; Ungesabi ukucela ukuthunyelwa kwabanye abaklayenti, oku kuya kukuxelela ukuba umcebisi wezemali unakho kwaye unokwethenjelwa. Kufuneka unxibelelwano kunye neqela kwaye uqinisekise ukuba umcebisi wakho wezezimali unokuchazela ukhetho lokutshala imali kwaye uya kukuvumela ukuba wenze ukhetho.
Umcebisi wezezimali oza kuphulaphula iinjongo zakho, kwaye uqonde inani lemingcipheko ozimisele ukuyithatha uze ukwazi ukufumana iimveliso ezifanisa ezo njongo . Kufuneka akwazi ukukunceda ngokudala isicwangciso semali . Ukongezelela, kufuneka akwazi ukuchaza ingozi kunye neenzuzo zendlela yokutyalomali ngamnye kwaye uchaze indlela okufanele usasaze ngayo utyalo-mali lwakho ngaphandle kweendlela ezininzi kunye neemeko ezahlukeneyo zokuzikhusela.
Ukuba akakwazi ukwenza oku kufuneka ufumane umcebisi omtsha wezezimali.
- Thatha ixesha lokubonisana nabacebisi abahlukahlukeneyo ngaphambi kokuba wenze ukhetho lwakho lokugqibela.
- Cela ukuthunyelwa kubantu obathembayo.
- Buza umcebisi ukuba ngaba bathengi bazimisele ukuthetha nawe ngaye.
- Qinisekisa ukuba uyayiqonda indlela ubuhlobo buya kusebenza ngayo kwaye uza kuthatha ixesha elingakanani ukuhlaziya iphothifoliyo yakho kunye nendlela iingcebiso malunga nokuthenga utyalo-mali olutsha ziya kuthathwa ngayo.
Ngaba Imali Ikhuselwe?
Ekugqibeleni, kubalulekile ukuqaphela ukuba xa ukhetha ukuhamba nomcebisi wezezimali ngebhanki yakho ukuba i- FDIC ayifaki iifom imali e-akhawunti yezobalo-mali. Oku kukungaqondi kakuhle, kodwa imali yakho ayikho imali ekhuselekileyo yokutyalo-mali ngokusebenzisa isebe le-bhanki yakho yebhanki kunokuba isebenzise inkampani ye- brokerage ye- intanethi.
Yingakho kufuneka uqwalasele zonke iinketho ezifana neentlawulo, kunye nokuhambelana ngaphambi kokukhetha.
Nangona kukho umngcipheko ochaphazelekayo ngokutyalomali, kuyona yeyona ndlela efanelekileyo kakhulu ukuba uqalise ukwakha ubutyebi. Njengoko utyalomali, kubalulekile ukukhumbula ukuba iimarike zinokunyuka nokuhla. Imali ifumaneka phambili ngokushushumbisa amaxesha aphantsi kwaye ushiye imali yakho kwimarike. Umcebisi wezezimali unokukunceda uqonde ukuthengisa. Oku kunokukunceda uhlale uxolo xa iimakethe zinciphisa kwaye zinokunceda wenze izigqibo ezingcono zezezimali.
Ngaphandle kokuba ufunde ngokugqithiseleyo imarike yemasheya ukufumana uncedo oluvela kwizakhono ngenye yezindlela ezingcono kakhulu zokuqalisa ukutshala imali. Kukho iikhosi ongazithatha kunye nezindlela zokufunda malunga notyalo-mali kwaye kubalulekile ukuba uzifundise ngokusemandleni akho ekutsaleni imali yakho. Unokufuna ukuqala ngokusebenzisa umcebisi wezezimali okanye umcebisi-mali-mali uze uqale ukwenza utyalomali ngokwakho xa uqonda iimarike ezininzi.
- Thatha ixesha lokufunda iimarike ngokufunda malunga nalo okanye ngokuthatha iiklasi.
- Qonda ukuba iimarike ziya kuguqulwa kwaye uzame ukungethuki ukuba izinto ziyahla.
- Xoxa nomcebisi wakho malunga nobudlova obufuna ukuba kunye notyalo lwakho kunye naliphi na imali ofuna ukutshala imali kwiimali ezingaphezulu.
- Khumbula ukuba isicwangciso sakho sokutyalomali siya kutshintsha njengoko ukhula.