Yiyiphi iBhanki engcono?
Yintoni oyifunayo Namhlanje? Kwiminyaka emihlanu?
Mhlawumbi unesizathu sokujonga kwi-akhawunti yebhanki, kwaye uya kufuna ukufumana iimfuno zakho ngokukhawuleza.
Umzekelo, mhlawumbi ufuna indawo yokubeka ikhokheji yakho , okanye unethemba lokusebenzisa ibhanki ehlawulisa imali ephantsi kunebhanki yakho yangoku. Kulungile kwaye kulungile, kodwa sondeza uze ucinge ngendlela iimfuno zakho ezinokutshintsha ngayo kwiminyaka ezayo. Gcina ezo zidingo kwixesha elizayo xa uhlola ibhanki.
Izinto ziguquka, kwaye kunzima ukuqikelela ikusasa, ngoko abantu abaninzi baqala ngokugxila kwi-akhawunti yokujonga nokugcina.
IiRhafu kunye neMali
Nika ingqwalasela ngokukhawuleza kwiirhafu kunye nemirhumo njengoko uthengela ibhanki: ubuninzi obuya kuzuza kwi-savings, uhlawula malini kwimali-mboleko, kwaye uhlawula phi ukugcinwa kunye nokuthengiselana?
Ukujonga kunye nokulondoloza, iimali eziphantsi zibaluleke kakhulu. Intlawulo yesithakazelo esincinane kwi-savings ayiyi kuyenza okanye ikuphule ngokwezemali, kodwa iimali zenyanga zokugcina kunye nezigwebo ezingaphezulu kwe-overdraft zingenza i-dent enkulu kwi-akhawunti yakho.
Xa kuziwa ekufumaneni inzala kwimali yokugcina okanye izatifikethi zokufaka idiphozi (iiCD) , kwanokuba umehluko we-1% I-APY kungenzeka ukuba ayikho into emangalisayo.
Ukuba unayo i-$ 3,000 kuphela ekulondolozeni, yinto eyahlukileyo ye-$ 30 ngonyaka phakathi kweebhanki. Ukuba enye yeebhanki ihlawulisa i-$ 10 ngenyanga ukwenzela ukuba igcine i-akhawunti yakho ivulekele, ukhetho olucacileyo luhamba nayo nayiphi na ibhanki inemali ephantsi.
Xa uboleka imali, awunakho ukuboleka ebhankini yakho. Unokufumana imali mboleko kwi-union entsha yekhredithi xa uthenge imoto, umzekelo (ukuthengwa kumthengisi othile kunokukwenza ukuba ube nelungu lalo manyano yemboleko).
Kukho abaninzi ababolekisi be-intanethi ngaphandle- bahlala behlawula ngaphantsi kweebhanki zendawo kunye neemanyano zemboleko. Ukuba uboleka ukuthenga indlu , umrhwebi wemboleko (kwaye kufuneka) athengise phakathi kwabathengi abaninzi-kwaye akumele ube ngumthengi kuyo yonke ibhanki.
Iintlobo zeBhanki
Kukho iintlobo ezininzi ze "ibhanki" ongayisebenzisa. Abaninzi babo banikela ngemveliso efanayo kunye neenkonzo (ngokukodwa ukuba ufuna nje ukujonga okanye ukugcina i-akhawunti kunye nekhadi lokuditywa kwemali ), kodwa kukho ukungafani.
Iibhanki ezinkulu ngamagama owaziyo. Uza kubona amasebe amaninzi kwiindawo zokuhlala ezitratweni kwiidolophu ezinkulu, kwaye ufunda ngazo kwiindaba. Ezi ziko zinomsebenzi wesizwe (kunye nakwamanye amazwe).
- Imveliso kunye neenkonzo ezikhoyo: phantse nantoni na ongayicinga (nangaphezulu)
- Iimali zihlala zikwinqanaba eliphezulu, kodwa kunokwenzeka ukuba ufumane iifizi ezikhishwe (kunye nedizithi ngqo, umzekelo)
- Amaxabiso ngokugcina imali kunye neeCD aziqhelekanga
- Iindawo zesebe kunye ne-ATM zininzi xa unomdla ngebhanki kumntu
Iibhanki zendawo zisebenza kwiindawo ezincinci zendawo. Bavame ukuba neyona nkalo ebalulekileyo yoluntu, kwaye bayingxenye ebalulekileyo yoqoqosho lwengingqi.
- Imveliso kunye neenkonzo ezikhoyo: kubaninzi abathengi, yonke into oyifunayo (amashishini amakhulu kunye nobutyebi obukhulu bangadinga ukufumana iinkonzo ezithile kwabanye ababoneleli)
- Imirhumo ibonakala ibe nengqiqo, kwaye ukuhlawula imali kudla ukufumaneka
- Amaxabiso ekugcinweni kunye neeCD ziyahluka, kodwa jonga ukupapashwa "iingcali"
- Iindawo zeSebe kunye ne-ATM zikhoyo ngaphakathi, kodwa kufuneka uhlawule iifizi zentengiso ukuba ibhanki ayinathathi inxaxheba kwinethiwekhi ye-ATM yesizwe.
Imanyano yeenkontileka ayizinzuzo ezingenakuncedo kunye neengingqi eziqinileyo . Ukuvula i-akhawunti, kuya kufuneka ulungele kwaye ujoyine njengelungu "ilungu," kodwa le nkqubo ilula ngokubanzi kunokuba ucinge .
- Imveliso kunye neenkonzo ezikhoyo: kubaninzi abathengi, yonke into oyifunayo (ezincinci iinkontileka zeentengo zemali zingapha kancane kancane, kodwa unokuhlala ufumana i-akhawunti yokujonga nokugcina imali)
- Iimali zihlala ziphantsi, kwaye kulula ukufumana ukukhangela kwamahhala
- Amaxabiso ekugcinweni kunye neeCD zihlala ziphakamileyo kuneebhanki ezinkulu, kodwa ziphantsi kweebhanki ze-intanethi
- Iindawo zeSebe kunye ne-ATM zilinganiselwe - ngaphandle kokuba umanyano wakho wekhredithi uthatha inxaxheba kwi-branching ebelwanayo (ininzi yawo yenzayo), enika amawaka ezindawo zamahhala kulo lonke
Iibhanki ze-intanethi zizinzile ngokwabo njengendlela echanekileyo, kwaye kufuneka ukuba ne-akhawunti kuphela kwi-intanethi nangona ungayisebenzisi rhoqo. Okokuthi, ukuhamba nge-100% kwi-intanethi ngemali yakho kunokuba yinto ekhohlisayo - indawo ezibonakalayo zisasebenza ngenjongo
- Iimveliso kunye neenkonzo ezikhoyo: i- akhawunti yokukhangela kunye ne-akhawunti yokulondoloza iyona nto inomtsalane, kodwa ezinye iimveliso ziyafumaneka
- Iimali zihlala ziphantsi - ezininzi i-akhawunti zikhululekile ngaphandle kokuba ufumane iireki okanye ucele ukuthengiswa okuthile (njengokutshintshwa kwecandelo , umzekelo)
- Amaxabiso ngokugcina kunye neeCD zihlala ziphakamileyo kunokuba unokufumana kwenye indawo
- Iindawo zeSebe kunye ne-ATM azikho, kodwa iibhanki ze-intanethi zithatha inxaxheba kumanethiwekhi amaninzi aseburhulumenteni okanye zibuyisela iimali ze-ATM (ukuya kwimida ethile)
Zonke iintlobo zeebhanki ezichazwe ngasentla zinokubonelela ngezoshishino ezisisiseko ukujonga ii-akhawunti kunye nezinye iinkonzo.
Te knoloji no
Njengoko unciphisa uluhlu lwakho, jonga izinto ezibalulekileyo oza kuzisebenzisa ngokusemthethweni ngosuku ngalunye. Awufuni ukusebenzisana nebhanki yakho ukuba ube namava ahluphekileyo.
Idiphothi ekude: ukuba unakho uhlawulwa ngetshekhi yomzimba, indlela elula ukuyifaka ukukhwebula umfanekiso kunye neebhanki yakho .
Ibhanki ekutshintshisweni kwebhanki: jonga amabhanki anikezela ngokugqithiswa kwekhompyutha ngenye i-akhawunti yebhanki. Lo mgangatho kunye neebhanki ezininzi kwi-intanethi, kodwa iibhanki zetena nezomdaka nazo zinokukwenza. Oku kwenza kube lula ukulawula imali yakho kwaye utshintshe ibhanki.
Izikhumbuzi zombhalo kunye ne-imeyile: sonke sixakekile, kwaye kulungile ukufumana iintloko kwi-bhanki yakho ukuba kukho into eyenzekayo kwi-akhawunti yakho. Unokufuna kwakhona ukuhlaziywa ngokukhawuleza kwibhalansi yakho yebhanki ngaphandle kokungena kwi-akhawunti yakho. Amabhanki anokukhetha ukuthumela iincwadi kunye nezilumkiso ezizenzekelayo zenza ibhanki lula.
I-ATM idibanisa: ukuya kwisebe ngelixa leebhanki ii-bhanki ayinakwenzeka njalo (okanye ikulungele). Iifomethi ze-ATM zivumela ukuba uye kwibhanki kwishedyuli yakho , kwaye ungeze imali kwiibhanki ezithile ze-intanethi.
Iiyure zeBhanki: ukuba uya kubhankanya umntu, ngaba iiyure ezifanele iimfuno zakho? Ezinye iibhanki kunye neemanyano zetyala zibonelela ngeveki kunye neeyure zangokuhlwa (ubuncinci kwi-drive-through).
ILizwi Ngokukhuseleko
Amabhanki kufuneka abe yindawo ephephile kwimali yakho. Qinisekisa ukuba nayiphina i-akhawunti oyisebenzisayo iyisiqinisekiso, ngokukhethekileyo nguRhulumente wase-US:
- Amabhanki kufuneka axhaswe yi-inshurensi ye-FDIC
- Iimanyano zeentengo zemboleko zeFederally zimele zixhaswe yi-NCUSIF
Ukuba ibhanki okanye inkontileka yekhredithi ayiphumeleli , akufanele ulahlekelwe yiphina imali njengoko idiphozithi zakho zingaphantsi kwemida emininzi (okwangoku i-$ 250,000 nganye kwi-depositor ngalinye kwiziko, kwaye kunokwenzeka ukuba ube ne-$ 250,000 ye "imali" yakho ehlanganiswe ebhankini) .
Ukuvula iiAkhawunti
Emva kokuba ukhethe i-akhawunti, lixesha lokuhamba ngokusemthethweni kokuvula kunye nenkxaso-mali. Amanye amaziko akuvumela ukuba wenze yonke into ekhompyutheni , kwaye yinto enokukhawuleza kwaye elula ukuba uyinto e-tech-savvy. Ukuba akunjalo, cwangcisa ukutyelela kwesebe, kwaye uzisa ukuchongwa kunye ne-deposit yokuqala (usebenze ngemali, okanye ungabhala isheke okanye wenze ukutshintshwa kwe-elektroniki).
Ukuba uhamba kwibhanki entsha, sebenzisa uluhlu lokutshekisha ukuze uqinisekise ukuba akukho nto iwela kwiintluko . Awufuni ukulahlekelwa iintlawulo okanye ukuhlawula iimrhumo kwiiphene.
Akhawunti ezininzi
Kukho mhlawumbi ayikho enye i-akhawunti ebhanki yeyona ndawo. Iibhanki ezahlukeneyo zinamandla ahlukeneyo. Iibhanki ze-Intanethi zihlawula inzala enkulu kulondolozo lwakho. Ababolekisi be-Intanethi kunye neemanyano zetyala ziyinkokhelo enkulu yokubolekwa kwemali mboleko kunye nemali mboleko. Kukulungele ukuba ne-akhawunti engaphezulu kwebhanki enye - kukuzilumko ukufumana iimpawu ezintle apho unokufumana khona. Nangona nje ungahlawulanga iimali ezininzi kwiibhanki ezininzi, unokuba neengxelo ezininzi zebhanki njengoko ufuna.