Yiyiphi iBhanki yeRetail?

UkuThengiswa kubhekiselele kwiBhanki yoLuntu

Ibhanki yokuthengisa ibhanki esebenza nabathengi, ukubonelela ngeenkonzo ezibalulekileyo zebhanki njengokujonga i-akhawunti, i-akhawunti yokulondoloza, imali-mboleko kunye nokunye. Abathengi abathengi ngamalungu kawonkewonke azinakekele iimfuno zabantu (ngokuchaseneyo nemibutho enjengeorhulumente namashishini angadinga iinkonzo ezinzima kakhulu).

IiNkonzo zeBhanki zeRetail

Iibhanki zentengiso zilawula iimfuno zeemali zokuchitha kwansuku zonke kunye neziganeko zobomi ezifana nokuthenga ikhaya.

Ezi mabhanki zidla ngokuba ngamagama omzi oyaziyo (kunye namasebe kwiindawo ezixakekileyo zezitalato), kodwa amaziko amancinci anikezela ngeenkonzo zebhanki zentengiso. Iibhanki zoluntu zasekuhlaleni kunye neemanyano zemali zinikeza ezininzi iinkonzo ezifanayo njengeebhanki ezinkulu. Iibhanki ze -Intanethi kuphela zinokukhetha, ngokukodwa ukugcina iimali eziphantsi. Iimpawu zeebhanki zentengiso ziquka:

• Iingxelo zebhanki zifana nokuhlola i-akhawunti, i-akhawunti yokulondoloza, kunye neakhawunti yomhlalaphantsi. Ukujonga i-akhawunti ngokuqhelekileyo kuza ngekhadi lokubambisa ukuthenga kunye nokukwazi ukuhlawula iindleko kwi-intanethi okanye ngekhompyutha . Iimali zeemarike zemali zihlawula ngakumbi, kunye nemimiselo embalwa malunga nokuba ungaphila imali .
• Izatifikethi zediphozithi (iiCD) zihlawula ngaphezu kwee-akhawunti zokulondoloza , kodwa ngokuqhelekileyo kufuneka ushiye imali yakho ingakhange ifunyenwe ubuncinane iintsuku eziliqela ukukhusela izigwebo zokuthoma .
• Iibhokisi ze-deposit ezikhuselekileyo zigcina izinto ezincinci ezikhuselekileyo ezindongeni zebhanki (ukuze zingabibiwe okanye zichithe ngexesha lakho ekhaya).

• Imali-mboleko yaseKhaya inceda abantu bathenge ikhaya, kwaye i- secondary mortgage ivumela abobolekayo ukuba bahlaziye iimali-mboleko ezikhoyo okanye bathathe imali kwi-equity home .
• Ukuboleka ngemali ngokuzenzekelayo kunceda abantu bathenge imoto, kwaye banokucatshiswa.
• Iimali mboleko ezizikhuselekileyo zingasetyenziselwa nayiphi na injongo kwaye akufuneki ukuba uzibophezele . Imigangatho yokubolekwa kwemali-mboleko (kubandakanywa namakhadi-mboleko) avumela ababolekayo ukuba bachithe kwaye babuyisele ngokuphindaphindiweyo ngaphandle kokufaka isicelo semboleko entsha.

Ezi nkonzo zenza kube lula kubantu ngabanye ukuphatha iimali zabo. Kunokwenzeka ukuba uphile ngaphandle kwe-akhawunti yebhanki , kodwa ubomi bunzima. Ngaphandle kweebhanki kunye neemanyano zeentengo zemali, ungagqiba ukuchitha ixesha elingakumbi kwimisebenzi eqhelekileyo kunye nokuhlawula imali eyongezelelweyo yokuthengiswa komsebenzi omnye.

Iindleko zeBhanki

Amabhanki akhona ukwenza inzuzo, kunye neemanyano zeentengo zemboleko zifuna kwakhona ukuzisa ingeniso yokuhlawula iindleko. Bazenza njani? Iindlela eziphambili zeebhanki ezifumana imali kukuboleka imali kunye neentlawulo zeentlawulo zekhasimende kunye nokuhlawula umyinge ophezulu kumanqaku abo. Ukunyaniseka kuyinkimbinkimbi kakhulu , kwaye iifizi zenkonzo zikhuthaza kwakhona imigca yezantsi yeebhanki.

Ngokomzekelo, iibhanki zifumana iirhafu ze-overdraft xa uchitha imali engaphezulu kunokuba ukhona, kwaye zihlawula iimali ezizenzekelayo zokushicilela iitshizi okanye ukuthumela ukudluliselwa kocingo kubaxumi.

Ezinye iintlobo zeBhanki

Unokukunceda ukuqhathanisa ibhanki yeentengiso ngezinye iintlobo zeebhanki kwaye uthethe malunga neebhanki zentengiso ezingenzi . Oku kungadideka kuba ezinye iibhanki zisebenza kwiimarike eziliqela: ziibhanki zentengiso, kunye neebhanki zorhwebo, kunye neebhanki zotyalo-mali.

Iibhanki zoshishino zijolise kumathengi abashishino (kwaye unokukwazi ukuvula i-akhawunti yebhishini kwibhanki enye oyisebenzisayo kwiimfuno zakho).

Amashishini aneemfuno ezahlukeneyo, ezifana nokukwazi ukuboleka imisebenzi kunye nesidingo sokwamkela iintlobo ezahlukeneyo zeentlawulo ezivela kubathengi.

Iibhanki zotyalo-mali zihlukile. Banceda amashishini asebenze kwiimarike zemali. Ngokomzekelo, ibhanki yotyalo-mali inokukunceda ibhizinisi lizuze imali ngokuthengisa amabhondi kumtyalomali.