Ukufumana phi ukuhlola iiAkhawunti ezingekho iiNkozo

Ukuhlola ngokukhululekileyo akufanga

Ukukhangela kwamahhala esetyenziselwa ukunikezelwa. Kungekudala, iibhanki zanikela ngeakhawunti ezingenamali njengendlela yokufumana abathengi emnyango. Ngokuqinisekileyo, balahlekelwa ngamabhakethi ambalwa kule akhawunti, kodwa baninzi ngaphezu kweenjongo kunye nezinye iimveliso kunye neenkonzo. Ngoku, ukujonga ii-akhawunti ezingenazo iiflawulo zomile-okanye ubuncinane ziba nzima ukuba zifaneleke.

Ngaba kunokwenzeka ukuba ujonge i-fee-free check these days? Ngokuqinisekileyo. Umele wazi apho ukhangele khona.

Amabhanki asele

Ii-akhawunti zebhanki ze-intanethi ziye zanikela iinkonzo ngonaphakade kwiminyaka. Ezi mabhanki ziqhubeka neziko ngokunikela iikopi ngaphandle kweemali. Ezinye iingxelo zize zihlawule umdla omncinci ngemali onayo kwi-akhawunti yakho - okwenzekayo ngeenkcukacha ezininzi zokubheka izitena kunye nemeko. Iibhanki ze-Intanethi zikhangeleke kakhulu xa ungeke ufanelekele ukuhlawula imali kwiibhanki zendabuko kuba amaninzi amabhanki e-intanethi akhululekile (nokuba unayo i-$ 1 okanye i-$ 10,000).

Ukusebenza nebhanki ye-intanethi kuyinto eyahlukileyo. Awukwazi ukuhamba kwisebe lendawo ukuba ufumane isheke somqashi, kwaye izinto zingathatha ixesha elide. Nangona kunjalo, kulula ukwenza ishishini ngala mabhanki. Qinisekisa ukuba unayo i-akhawunti kwiziko lesitena kunye ne-mortar (mhlawumbi i-akhawunti yokulondoloza engenakho imali), kwaye ukuba loo akhawunti idibaniswe ne- akhawunti yakho yasebhanki ye-intanethi ukuze ukwazi ukudlulisela imali emva kwikhompyutha.

Ukufaka imali kwi-akhawunti yakho, usethe idiphozithi ngqo kunye nomqeshi wakho, kwaye usebenzise ithuluzi lokutshintshela i- deposit yocaleni, ukuba ikhona.

Ukuba udinga isiphakamiso kwi-intanethi ukujonga i-akhawunti ngaphandle kweemali, qalisa ngoku kulandelayo:

• Inkunzi eyodwa 360
• Bank Ally

Amabhanki amancinci kunye neManyano yeMatyala

Ukuba awukho ukhululekile kwiibhanki kwi-intanethi, amabhanki amancinci kunye neemanyano zeentengo zemali nazo ziindawo ezifanelekileyo zokufumana iirekhodi ngaphandle kweemali.

Ezi ziko azizange zithinteke ngengozi yezemali ngendlela efanayo neebhanki ezinkulu, kwaye zikulungele ukubonelela ngokukhululeka njengendlela yokwakha ubudlelwane obutsha. Ukufumana malunga nale mabhanki, kukulungele ukujonga ngeempapasho zendawo kwaye ubuze abantu bakuloo ndawo abacebisa ngayo.

Ukuba awuzange usebenzise i-credit union ngaphambi, uya kufuna ukufumana enye into yokuba uvumelekile ukuba ujoyine "ilungu." Musa ukukhathazeka - akunzima ukufaneleka. Uyakwazi ukujoyina inyunithi yemboleko ngemali ngokusekelwe apho usebenza khona, apho uhlala khona, okanye ezinye iimpawu eziqhelekileyo. Ngaphandle koko, imibutho yamatyala iyafana kakhulu neebhanki ngokwemiqathango kunye neenkonzo ezikhoyo. Qiniseka ukuba uphando nayiphi na iminikelo yomanyano wekhredithi ngaphambi kokuba ujoyine (qiniseka ukuba unayo into oyifunayo).

• Imisebenzi Yobunyanisi Bentengo

Ngaba Ikhululekile okanye Akunjalo?

Kwezinye iimeko, akulula ukuxelela ukuba ngaba awuyi kuhlawula imali kwi-akhawunti yokujonga. Amabhanki akakwazi ukuvakalisa i-akhawunti ngokuthi "ikhululekile," kodwa baya kugqiba ukuyeka yonke imali. Ngaphambi kokuba ulawule nabani na, thola oko kuthatha ukuba ufanele ukuhlawula imali. Kwiimeko ezininzi, kufuneka ubeke idiphozithi ngqo kunye nomqeshi wakho.

Kulungile Ukugcina?

Unokuzibuza ukuba kukufanelekile ukutshintsha ibhanki ukuze ufumane i-akhawunti yokujonga ngaphandle kwemali.

Ukuba ukukhangela kwamahhala kuya kupheliswa, uya kuchitha ixesha ukuwenza umyalelo ngenzuzo engenakuhlala. Inyaniso kukuba ukutshintsha kuyatshintsha, kodwa ii-akhawunti ezikhululekile ziya kuba malunga nexeshana. Amabhanki aneendlela ezininzi zokwenza imali. Ngokomzekelo, ibhanki yakho inokufumana imali rhoqo xa uswayipha ikhadi lakho lokubambisa kumthengisi. Ngoko-ke ungakhathazeki - awusebenzisi ibhanki yakho emhlabathini ngokusebenzisa i-akhawunti yokukhangela yamahhala.