Abalondolozi baseSpain manje banezinketho eziningi zokwenza imali yabo ikhule ngaphandle kokuthatha izingozi zemakethe. Ngemuva kokwenyuka kwezinga lenzalo kwakamuva kwe-ECB, amabhange amaningana athuthukise okunikezwayo kwawo kwediphozithi yesikhathi esinqunyiwe , futhi ukuncintisana kuye kwanda. Ukukhetha umkhiqizo ofanele kungenza umehluko phakathi kokuthola u-2% noma ukudlula u-3% we-APR , kuye ngesikhathi kanye nemibandela ethile enikezwa yibhange ngalinye.
Kulesi simo, kubalulekile ukucabangela hhayi nje kuphela imbuyiselo ekhangisiwe kodwa futhi nenani elincane lediphozithi, ithuba lokukhipha imali kusenesikhathi, kanye nokuvikelwa okuhlinzekwa yi-Deposit Guarantee Fund. Iningi lamadiphozithi afakiwe liqinisekisiwe kufika ku-€100.000 ngomnikazi we-akhawunti kanye nesikhungo , okwenza kube inketho ephephile yokonga isikhathi esiphakathi nesikhathi eside.
Amadiphozithi esikhathi esinqunyiwe anenzuzo kakhulu
Phakathi kwezipesheli ezikhanga kakhulu ezitholakalayo njengamanje yiDeutsche Bank DB Confianza Más Deposit , enikeza i-APR engu-3,25% izinyanga ezingu-12 uma kuhlangatshezwana nezidingo ezithile, njengokufaka imali ngqo yomholo noma ukutshalwa kwezimali ezimalini. Ngaphandle kwale mibandela, izinga lehla liye ku-APR engu-2,25%. Inani elincane lediphozithi lingu-€25.000 kanti inani eliphezulu lingu-€150.000, kanti ukukhansela kusenesikhathi kuncike enhlawulo.
Enye inketho eqinisekisiwe yidiphozithi yesikhathi esinqunyiwe ye-WiZink yezinyanga ezingu-18 , enikeza i-APR engu-2,85% ngezinkokhelo zenzalo zekota. Ingavulwa ngebhalansi encane engu-€5.000 kuya ku-€250.000, futhi imali ivikelwe yi-Spanish Deposit Guarantee Fund. Ukukhipha imali kusenesikhathi nakho kuvunyelwe, yize noma iyiphi inzalo eqongelelekile izolahleka.
Kulabo abafuna ukutshalwa kwezimali kwesikhathi eside, iRenault Bank inikeza i-Tú+ Deposit izinyanga ezingu-36 nge-APR engu-3,19% . Inzalo ikhokhwa njalo ngekota, kanti idiphozithi encane ingu-€500 kuphela, kanti umkhawulo ufinyelela ku-€1 million. Imbozwe yi-French Deposit Guarantee Fund futhi ayivumeli ukuhoxiswa kusenesikhathi.
Esigabeni sezinyanga ezingu-24, i-Cetelem inikeza i-APR engu-3% ngaphandle kwenani eliphansi kanye nomkhawulo ophezulu ongu-€250.000. Inzalo ikhokhwa njalo ngekota kokubili ngemigomo yezinyanga ezingu-12 kanye nezingu-24. I-Novum Bank iphinde inikeze i-APR engu-3,10% yemali mboleko yeminyaka emibili , kanye nokutshalwa kwezimali okusukela ku-€10.000 kuya ku-€100.000, okuvikelwe yisikhwama saseMalta.
Idiphozithi yesikhashana: izinketho zokugwema ukubopha imali yakho
Uma ukhetha ukungabeki imali yakho ebhange isikhathi eside kakhulu, amadiphozithi esikhathi esinqunyiwe ezinyanga ezintathu ayindlela ekhangayo. I-MyInvestor inikeza i-APR efika ku-3% kunguqulo yayo ye-Premium , yize idinga ukubhaliswa kwanyanga zonke okungu-€7,99 futhi ikhawulela inani lediphozithi libe phakathi kuka-€1.000 no-€5.000. Ngaphandle kwezidingo ezengeziwe, izinga lehla liye ku-APR engu-2,05%.
I-ING , ngakolunye uhlangothi, inikeza idiphozithi yokwamukela ene-APR engu-3% izinyanga ezintathu kumakhasimende amasha, enediphozithi ephezulu engu-€50.000. Ayidingi idiphozithi eqondile yomholo noma ezinye izibopho, futhi lapho isivuthiwe, imali idluliselwa kwi-Akhawunti ye-ING Orange, enikeza nenzalo. Kuyindlela elula engenaso isikhathi esinqunyiwe.
I-Volkswagen Bank inikeza i-APR engu-2,80% yemali mboleko engu-€5.000 noma ngaphezulu ezinyangeni ezingu-12 , kanti ukukhokha kusenesikhathi kunciphisa izinga libe yi-APR engu-1%. I-BlueOr Bank iphinde inikeze i-APR engu-2,96% unyaka owodwa, ngesicelo esiku-inthanethi futhi kungekho nhlawulo yokukhokha kusenesikhathi. Zombili lezi zikhungo zisekelwa yizimali zesiqinisekiso zaseJalimane naseLatvia, ngokulandelana.
Enye inketho yezinyanga ezingu-12 idiphozithi ye-SME Bank engu-2,99% APR , etholakala ngeplatifomu ye-Raisin. Idinga idiphozithi encane engu-€20.000 futhi ayivumeli ukuhoxiswa kusenesikhathi. I-Facto, nayo esebenzisa i-Raisin, inikeza idiphozithi yezinyanga ezingu-12 engu-2,78% APR eqala ku-€5.000, enezinkokhelo zenzalo zekota kanye nokungabikho kokuhoxiswa kusenesikhathi.
Ezinye izindlela: ama-akhawunti okonga anezinzuzo eziphezulu
Uma ukukhokha imali kuyinto eza kuqala kuwe, ama-akhawunti okonga ayindlela enhle. I-Trade Republic inikeza i-APR engu-3,04% ngaphandle komkhawulo webhalansi kanye ne-Spanish IBAN, kuyilapho i-Openbank ikhokha i-APR engu-2,50% unyaka owodwa ngaphandle komkhawulo wenani. Zombili zikuvumela ukuthi ufinyelele imali yakho nganoma yisiphi isikhathi, yize amanani angahluka.
Lawa ma-akhawunti avikelwe yi-Deposit Guarantee Fund efinyelela ku-€100.000, njengediphozithi ezivamile. Ukuhlanganisa i-akhawunti yokonga enezinzuzo eziphezulu yesikhwama sakho esiphuthumayo nediphozithi yesikhathi esinqunyiwe yensalela yakho kungaba isu elilinganiselayo lokwenza ukonga kwakho kukhule ngaphandle kokudela ukuthula kwengqondo.
Intela yenzalo etholwayo ilandela uhlelo olufanayo nezinye izinzuzo zenhlokodolobha: ikhokhiswa intela ngaphansi kweNtela Yengeniso Yomuntu Siqu (i-IRPF) ngamanani asukela ku-19% kuya ku-28%, kuye ngenani. Kubalulekile ukukunaka lokhu lapho kubalwa imbuyiselo eseleyo, futhi ucabangele ukuthi ukwehla kwamandla emali kuthinta kanjani amadiphozithi esikhathi esinqunyiwe . Ngaphezu kwalokho, amadiphozithi ezikhungweni zakwamanye amazwe angase akhokhiswe intela yokubamba, yize intela ephindwe kabili ivame ukugwenywa ngezivumelwano zentela.
Ngamafuphi, imakethe yediphozithi yesikhathi esinqunyiwe namuhla inikeza amathuba azo zonke izinhlobo zokonga, kusukela kulabo abafuna imbuyiselo ecishe ibe ngu-3% ngaphandle kwezinkinga kuya kulabo abakhetha ukuthola izinga elinqunyiwe iminyaka eminingana. Isihluthulelo ukuqhathanisa hhayi nje kuphela i-Annual Equivalent Rate (AER), kodwa futhi nemigomo yenkontileka, ukuguquguquka, kanye nokumbozwa kwesikhwama sesiqinisekiso. Ngolwazi olufanele, kungenzeka ukuthola umkhiqizo ofanelana kahle nephrofayili yomuntu ngamunye kanye nemigomo yezezimali.
