Uma sekuyisikhathi sokuthola umholo wakho wokuqala noma ukunquma ukwenza ushintsho esimweni sakho sezezimali, kuvame kakhulu ukwenza iphutha lokushiya imali yakho kunoma iyiphi i-akhawunti yokuhlola ngaphandle kokubheka okunye. Iqiniso liwukuthi, emakethe yanamuhla, ukuba nomholo wakho ojwayelekile ofakwa ngqo kwi-akhawunti yasebhange kuyindlela ebaluleke kakhulu yokuxoxisana enayo namabhange, futhi ukungasebenzisi inzuzo yawo empeleni kukushiya imali etafuleni.
Ukuze uthole okuningi ngomholo wakho, akwanele ukumane ufune ama-akhawunti angenakhomishini; udinga ukugxila ezikhuthazweni zokubhalisa kanye nenzuzo . Kungakhathaliseki ukuthi kungenxa yebhonasi yemali ekhokhwa kanye noma inzalo yonyaka ekhulisa ibhalansi yakho, kunezinketho ezinamandla ezingenza umehluko omkhulu ekongeni kwakho kwanyanga zonke.
Ama-akhawunti anenzalo kanye nemivuzo yokufaka imali ngqo kumholo
Uma ufuna ukubuyiselwa kwemali ngokushesha, amanye amabhange asenolaka kakhulu. Isibonelo, i-Abanca inikeza i -akhawunti yokonga lapho ungathola khona imali efika ku- 2% APR uma umholo wakho ufakwe ngqo ku-akhawunti (okungenani u-€1.200). Into ethokozisayo ukuthi bakhokha inzalo kumabhalansi afika ku-€50.000, futhi inzalo ikhokhwa njalo ngenyanga, okukuvumela ukuthi ubone imali yakho ikhula ngesikhathi sangempela. Banohlelo lokudlulisela lapho ungathola khona imali eyengeziwe ngokuletha abangani , uma nje befaka nemiholo yabo ngqo ku-akhawunti.
Ngakolunye uhlangothi, i-Unicaja ivelele nge-Digital Super Account yayo, enikeza i-APR efika ku-3% ngonyaka wokuqala. Nakuba umkhawulo wemali ethwala inzalo uphansi kunezinye izinketho (kufika ku-€20.000), kuyindlela ephephile yokuthola cishe i-€600 ngaphandle kokuthatha izingozi zemakethe yamasheya noma izimali zokutshalwa kwezimali.
Amasu alabo abahola imali ephezulu
Uma umholo wakho udlula u-€2.000 ngenyanga, awusabi yikhasimende elijwayelekile futhi uba yikhasimende elikhangayo kakhulu. Lokhu kukunika amandla amakhulu okuxoxisana ukuze ufune izimo umsebenzisi onomholo omncane angeke akwazi ukuzithola. Amabhange ancintisana ngala maphrofayili ngokunikeza izikhuthazo ezikhangayo kakhulu.
- I-BBVA: Ibeke eceleni isiphakamiso esiphelele kakhulu esingahlanganisa ama-euro angu-760, esatshalaliswa phakathi kwebhonasi yomholo, ukusetshenziswa kwe-Bizum kanye nokukhishwa kwemali ngqo kwamarisidi.
- I-Santander: I-Akhawunti yabo Yokukhokha Ku-inthanethi ingakunika imali engenayo efinyelela kuma-euro angu-400 uma imali yakho engenayo yanyanga zonke ingu-2.500 euros noma ngaphezulu, yize kudinga ukuzibophezela kweminyaka emibili.
- Cabanga nje: Ilungele labo abahamba kakhulu, inikeza ama-euro afinyelela ku-250 ngemiholo engaphezu kwama-euro ayi-1.500 kanye nezinzuzo zemali yangaphandle yokuhamba.
- Osebenza ebhange: Kungenye yezinketho eziqinile kakhulu maqondana nenzuzo, ukufinyelela 5% APR ngonyaka wokuqala kanye no-2% kowesibili uma kuqhathaniswa nama-euro ayi-10.000.
Izinzuzo ezengeziwe: ngale kwezintshisekelo
Ukonga ngomholo wakho akukhona nje ukuthola inzalo. Kunezinzuzo ezingaqondile, lapho zihlanganiswa ndawonye, ​​​​eziholela ekongeni okukhulu konyaka. Amanye amabhange anikeza imali ebuyisiwe ngephesenti lezikweletu zakho . I-Openbank kanye ne-Banco Mediolanum, isibonelo, zikuvumela ukuthi uthole ingxenye yalokho okukhokhela ugesi, igesi, noma isevisi yocingo, okuyimpumuzo eyamukelekayo yesikhwama sakho semali ngezikhathi zokwehla kwamandla emali.
Kukhona nezinhlelo zesaphulelo zezindleko zansuku zonke. I-ING, ngohlelo lwayo lwe-ShoppingNaranja, inikeza izaphulelo eziteshini zikaphethiloli zaseGalp naseShell , kanye nezaphulelo ekudleni nasezingutsheni. Kuyindlela ehlakaniphile yokunciphisa izindleko ezihleliwe ngokugcina imali yakho endaweni efanele.
Ama-akhawunti angenawo umholo: enye indlela eguquguqukayo
Uma ungafuni ukuboshwa yinoma yiliphi ibhange elithile noma uzisebenzela ngemali engenayo engajwayelekile, kune- akhawunti yokonga enikeza ukonga ngaphandle kokuzibophezela . Nakuba ngokuvamile inenzalo ephansi kune-akhawunti yomholo ephezulu, ikuvumela ukuthi uthole imbuyiselo ephezulu kakhulu . I-Trade Republic iyisibonelo esihle, inikeza i-APR engu-3,75% kumabhalansi afinyelela ku-€50.000, kuyilapho i-EVO Banco inikeza i-Akhawunti yayo Ehlakaniphile ku-APR engu-3,05% ngaphandle kwemibandela enamathiselwe.
ISabadell iphinde incintisane kulesi sigaba ne-Akhawunti eku-inthanethi enikeza i-APR engu-2,5% ngonyaka wokuqala ukuze kube nebhalansi ephezulu, okubonisa ukuthi akuphoqelekile ngaso sonke isikhathi ukuxhumanisa i-akhawunti yakho ukuze uvimbele imali yakho ekulahlekelweni yinani.
Umbhalo omncane okufanele uwuqaphele
Ngaphambi kokuthi ugijimele ukushintsha amabhange, kubalulekile ukuthi ungamangazwa yinani lesipho. Iningi lalezi zikhushulwa liqondene namakhasimende amasha kuphela futhi ngokuvamile lihilela isikhathi esincane senkontileka (esingasukela ezinyangeni ezingu-12 kuya eminyakeni engu-4). Uma uhamba ngaphambi kokuphela kwalesi sikhathi, ibhange lingafuna ukubuyiselwa imali yesipho noma likukhokhise imali.
Elinye iphuzu elibalulekile ukukhokhiswa kwentela yemali ewinile . Noma iyiphi imali oyitholayo ngokukhokhwa komholo wakho kwi-akhawunti yasebhange ibhekwa njengemali engenayo yokutshalwa kwezimali ngakho-ke ikhokhiswa intela yengeniso. Khumbula ukuthi ibhange lizobamba intela, futhi kuzodingeka uyifake embuyiselweni yakho yentela.
Ukuze uphathe ushintsho kahle, khumbula ukuthi ungasebenzisa ifomu lesicelo sokudlulisa i-akhawunti . Ngale dokhumenti, ibhange elisha lizonakekela ukudlulisa izikweletu zakho kanye nama-oda okukhokha, okuzokusindisa inkinga yokwazisa inkampani ngayinye yezinsizakalo ngokwahlukana.
Ukukhetha i-akhawunti efanele kuhilela ukucabangela ukuthi ukhetha yini ukukhushulwa kwemali okusheshayo, inzalo eqhubekayo ebhalansi yakho, noma izinzuzo zansuku zonke njengezaphulelo kuphethiloli kanye nezikweletu. Kungakhathaliseki ukuthi ukhetha ini, isihluthulelo siwukubuyekeza njalo imigomo nemibandela yebhange ukuze ukwazi ukushintshela esipeshelini esilandelayo esingcono kakhulu ngokushesha nje lapho isikhathi sakho sokuqala siphela, ugcine imali yakho isebenza njalo futhi uthole inzalo.
