Hlola i-Pros and Consence yokuBambisa iAkhawunti yeBhanki yakho kunye nomlingani wakho
Kwiibini ezininzi, i-akhawunti ebhanki yebhanki iyona nto ibonakalisa ngayo imanyano yabo yemali.
Kodwa oko akuthethi yinkqubo esebenza kuzo zonke izibini. Ngo-2016 Uphando lweBhanki ye-TD, iipesenti ezingama-76 zezibini zathi zabelwana nge-akhawunti enye yebhanki. Oko kuthetha ukuba malunga nekota yeembhangqwana zigcina imali yazo ihluke. Okumangalisa kukuba, iwaka leminyaka yayingenakunokwenzeka ukuba iyakubonisana ne-akhawunti yebhanki, xa kuthelekiswa nezizukulwana ezidala.
Ukuba usanda kutshata, okanye ubuhlobo besikhathi eside, ukugqiba indlela yokuphatha iibhanki zakho zebhanki kukubalulekileyo. Ukulinganisa i-pros and cons cons of both options kunokunceda ekwenzeni isigqibo.
Izinzuzo zeAkhawunti yeBhanki ehlangeneyo
Ukuba ne-akhawunti eyodwa yebhanki inikezela ngenani leenzuzo. Ngokomzekelo, ukwabelana nge-akhawunti kuvumela omnye umlingane ukuba afumane imali xa eyidinga. Iibhanki ezihlangeneyo zebhanki zihlala zinika umnini-akhawunti ngamnye ngekhadi lokubambisa , i-checkbook kunye nekhono lokwenza idizithi kunye nokurhoxisa imali. Ukuba ibhanki yakho inikeza yona, ngamnye wenu uya kuba nokufikelela kwi-intanethi kwiinkcukacha ze-akhawunti kunye nezixhobo, ezinokukwenza lula ukuhlawula iindleko kunye neminye imisebenzi yemali eyabelwe.
Eminye imicimbi yezomthetho iphinde ihlanjululwe kunye neakhawunti yebhanki. Kwimeko apho elinye iqabane lidlulayo, elinye iqabane liza kugcina ukufikelela kwiimali kwi-akhawunti edibeneyo ngaphandle kokubhekisela kwintando okanye ukuhamba kwinkqubo yomthetho ukuyifumana imali. Ngokuxhomekeke kwimithetho yombuso kunye neendawo zendawo, iqabane eliseleyo lingafuneka lihambe kwinkqubo yomthetho eninzi yokufaka imali kwi-akhawunti ehlukile.
Ekugqibeleni, enye yeenzuzo eziphambili ze-akhawunti yebhanki edibeneyo kukuba kunethuba elincinci lokuhlangabezana "neengxaki" zezimali xa yonke imali ingena kwaye iphuma kwiakhawunti enye ongayibona. Izibini ezitshatileyo kunye neakhawunti ezidibeneyo zingakufumana kulula ukugcina umkhondo wezimali zabo kuba zonke iindleko ziphuma kwiakhawunti enye. Oku kwenza kube nzima ukuphosa umsebenzi we-akhawunti, njengokuba uhoxiswa kunye neentlawulo, kwaye kulula ukulinganisela i-checkbook ekupheleni kwenyanga.
Imiba ye-Akhawunti yeBhanki ehlangeneyo
Nangona ukwabelana nge-akhawunti yebhanki kunokukwenza lula inkqubo yakho yolawulo lwemali, ezinye iibinibini zingathi zilahlekelwe yinkxaso-mali kunye ne-akhawunti yasebhanki ehlangeneyo, ingakumbi ekuqaleni komtshato. Ngama- akhawunti ahlukeneyo , ngamnye umlingani ugcina iqondo elilodwa lenkululeko kwiimali zabo.
Enye ingxaki enkulu yokwabelana nge-akhawunti yebhanki yebhanki kukuba ingabangela imibandela emtshatweni xa abatshatileyo bengakhulumi malunga nomsebenzi wabo weakhawunti. Iingxaki zingaphakama xa omnye umlingani engena emtshatweni ngemali- mboleko yomfundi , amakhadi enkredithi, i-alimony, inkxaso yezingane okanye enye ityala ekufuneka ihlawulwe ngoku ngeemali ezidibeneyo. Le meko inokubangela ukuba intukuthelo kwelinye iqabane, eliba nexanduva lokuhlawulwa kwetyala .
Ukuphepha iingxabano zemali, izibini kufuneka zixubushe iingxowa zabo ngokwahlukeneyo ngaphambi kokuba zigqibo malunga naluphi uhlobo lweebhanki ezibenza ngcono kubo.
I-akhawunti edibeneyo inokubangela ingxaki ukuba ubuhlobo buphela. Ukuba isibini sithatha isigqibo sokwenza inxaxheba, iifom kwi-akhawunti edibeneyo inokuhlambalaza. Umlingani ngamnye unelungelo lokurhoxisa imali kwaye avalile i-akhawunti ngaphandle kwemvume yomnye, kwaye elinye iqela lingakwazi ukushiya elinye i-peniless. Iingxelo zebhanki ezahlukileyo zikhusela loo mzekelo kwaye zivumele ukuba kube lula ukuphuka okuqhelekanga akubandakanyi ukulwa okude ukuhlukana ngokupheleleyo nemali.
Ukusebenzisa iiAkhawunti zeBhanki ezahlukileyo
Ukuba wena kunye neqabane lakho nithanda ukugcina ii-akhawunti zebhanki ezahlukileyo, kufuneka nibe nengxoxo malunga nayo ekuqaleni komtshato njengoko kunokwenzeka, ukuba kungekhona ngaphambi komtshato. Ukuphonononga iingenelo kunye neengxaki kuzo zonke iinqunto ziya kunceda ukubeka isiseko esomeleleyo semali kwaye uqinisekise ukuba elinye iqabane likwiphepha elifanayo.
Abantu abatshatileyo abaphindaphinda isigqibo sabo bahlala befumana impumelelo ngokuqinisekisa ukuba isicwangciso sabo sisasebenza kubo.
Ukuba nee-akhawunti zebhanki ezahlukileyo azithathi uxanduva lomlingane. Kusadingeka usebenze ngokusebenzisa indlela iindleko eziza kuhlawulwa ngayo, ngubani onoxanduva, kwaye ube neengxoxo eziqhelekileyo zokudibanisa ii-akhawunti zakho kunye nemali. Kusenokwenzeka ukuba ukhethe ukugcina i-akhawunti enye okanye ezimbini ezibambene kunye ne-akhawunti yokulondoloza ngokuhlangeneyo ukugcina kwiinjongo ezithile zezimali kunye.
Izibini ezitshatileyo zingakhetha ukugcina ii-akhawunti ezihlukeneyo kwaye zivule i-akhawunti edibeneyo apho zifaka khona inxalenye yengeniso yabo ukuba bobabini bayavuma. Ngale ndlela, nonke nandipha inzuzo ye-akhawunti edibeneyo ngelixa uqhubeka nokuzimela kweemali ezahlukileyo. Ababini banokukhetha ukuhlala behluke ii-akhawunti kwaye baqale ukugcina i-akhawunti ye-akhawunti yokuphumla, ukuhlawula imali yentlawulo yekhaya, ukufundiswa kweekholeji zezingane , okanye umhlalaphantsi.
Ukubeka Iinjongo Zemali Njengezibini
Njengoko wena kunye neqabane lakho nisenza isigqibo malunga nokuba kusetyenziswe i-akhawunti ebhanki yebhanki okanye nibambe ii-akhawunti zebhanki ezahlukeneyo, unokufumanisa ukuba kulungile ukubeka iinjongo zemali kunye nantoni na. Xa ufumana iingxoxo zemali, eminye imibuzo ekufuneka uyibuze kukuba:
Iyiphi indlela xa sihlawula ityala esiqokele ndawonye kunye okanye ngokwahlukileyo?
Iyiphi indlela xa senza utyalo-mali?
Sisebenzisa njani imali yansuku zonke ekuthengeni kwendlu?
Iindleko zekhaya eziqhelekileyo, ezifana ne-mortgage okanye i-billing utility will be divided?
Sinokusingatha njani ukukhawuleza?
Yiba neengxoxo zemali ezicacileyo kunye neqabane lakho rhoqo ukuqonda ukuba kwenzekani. Njengomnye weengcali zezezimali ezikhankanywe, ziza neprogram yezemali rhoqo ngonyaka ukwenzela ukuba ucinge ngendlela ochitha ngayo kwaye uhlahlobise imali yakho njengesibini ukuze ube nolonwabo ngexesha elide.