Iyiphi idizithi yedizithi ebhankini kwaye yintoni na idiphozi?

Iinkonzo zebhanki zisetyenziswe phantse zonke iinkampani zomthetho, kunye nabantu abaninzi abaqhelekileyo. Kungekudala okanye kamva banombuzo othi: "Iyiphi idizithi yedizithi ebhankini?" Impendulo kuyo ilula ngokwaneleyo: yi-akhawunti yangoku e-bhanki apho umthengi egcina imali yakhe, kwaye ibhanki nayo ihlawula ngayo kwifomu Inzala kwimali yediphozithi. I-akhawunti ye-deposit ngamanye amaxesha kuthiwa idiphozithi okanye idiphozithi.

Ngamanye amagama, sinokuthi sifake ukuba i-akhawunti ye-deposit ebhankini yindlela yokugcina nokunyusa imali usebenzisa iinkonzo zamaziko ezezimali.

Imbali yokubonakala

IGrisi ibhekwa njengendlela apho imigaqo yokuqala ye- akhawunti ye- deposit iqala ukuvela ngayo . Ngexesha apho kungekho ziko lemali zanamhlanje kunye nokwazisa ukuba yiyiphi idiphozithi yebhanki, abantu babegcina ubutyebi babo etempileni. Bafaka iimpahla zabo ezimbizeni, babhala igama kunye nomhla. Ngelo xesha, icawa ithathele uxanduva lokugcina ixabiso, kodwa ngexesha elifanayo lithatha umvuzo wenkonzo enjalo. Oku kwakukhumbuza kakhulu inkonzo yanamhlanje yokugcina amanani kwii- cell cell depository, ezinikezelwa yibhanki.

Ngexesha apho abaninzi abantu begcina imali yabo yokugcina imali kwiingqekembe zegolide, kukho ukubizwa ngokuthi "abaguquleli bemali". Bagcina imali ngomvuzo othile. Emva koko baqonda ukuba iimali zegolide ezazigcinayo, unako ukunika abanye abantu ngendlela yemboleko kwaye uzuze kuyo. Ngaloo mzuzu, imigaqo yokuqala kunye nokuqonda kweyiphi idizithi yedizithi eyayisebhanki yazalwa.

Xa iifomethi zifumanisa ukuba abaguquli bemali benza imali kwimali yabo, babefuna ukufumana ezinye izabelo ukusuka kuyo. Ukususela kuloo mzuzu, umgaqo wokubala umdla wokubeka idiphozi uvele.

Kukho iintlobo ezininzi zeentlawulo. Kule nqaku, ezi ziwayo ziyakuthandwa.

Ziziphi iintlobo zeentlawulo kwixesha lekhredithi?

Lo mqathango uhlukanisa:

1. Ukufuna imali.

Olu luhlobo lweentlawulo, kwiimeko apho kuchazwe ukuba isivumelwano se-deposit asikho ixesha lokuqinisekisa, oko kukuthi, akunakulinganiswa.

2. Ixeshana zediphozithi.

Iipasipoti ezinjalo zixesha elithile. Ngokuqhelekileyo izivumelwano zigqityiwe kwiinyanga ezi-3, 6, 9, 12 neye-24, kodwa ezinye iinketho zinokwenzeka. Ezi zidiphozi zingabuyiselwa kwangaphambili, ukuba oko kunikezelwa kwisivumelwano.

Ziziphi iindlela zokurhoxisa iimali zepositi?

Ngendlela yokurhoxisa iimali zediphozithi, unokwahlula idipozithi kwiindidi ezilandelayo:

1. Ekupheleni kwexesha elipheleleyo.

Ezi ziphofu azikwazi ukurhoxiswa kwangaphambili, ngaphandle kweemeko xa umthengi ephula isivumelwano kunye nebhanki. Kodwa kwimeko enjalo kuya kubakho intlawulo kwimali enomdla ebhanki iya kuhoxisa kumxhasi ngenxa yokuphulwa kwemigangatho yokugcinwa kweemali ezichazwe kwisivumelwano.

2. Ukuhoxiswa ngokukodwa kunokwenzeka.

Iimali ze-Deposit ngelo thuba livumele umxhasi ukuba akhuphe ngokukhawuleza imali kwi-akhawunti, njengoko kuyimfuneko. Kule meko, akukho ntlawulo ehlawulwayo ebhanki ayiyi kusebenza.

Iimali zee-deposits ziyakususwa zombini nge-cashashi yebhanki, kwaye i-cashless idluliselwe ekhadini okanye kwi-akhawunti yangoku. Ngenxa yoko, ibhanki inokurhoxisa ikhomishini eyongezelelweyo.

Inzala ifakwa njani kwidiphozi?

Iifosti ngendlela yokufumana imali kunye neentlawulo zenzalo zihlukaniswe zibe:

1. Iintlawulo kunye neentlawulo zenzalo ekupheleni kwekota.

Oku kuthetha ukuba umrhumo webhanki kwixabiso lediphozithi unikezelwa kumxhasi ngexesha lokuhlawulwa komzimba we-deposit ekupheleni kwekota.

2. Iifosti kunye nenkcitho.

Ezi ziphofu zibhekwa njengenzuzo kunokuba zidlulileyo. Amanqaku athetha ukuba inzala yenyanga ehlawulwe kumthengi kwidiphozithi yakhe, ibhanki yongeza kwiqela lediphozithi, oko kukuthi, ukusuka kwinyanga ezayo, inzala iya kuhlawulwa ixabiso.

Ukuqonda ngokucacileyo ukuba yiyiphi idizithi yedizithi ebhankini, kufuneka uhlule idipozithi ngokwemiqathango yokwandiswa kwemigangatho yokugcina (okanye isivumelwano se-deposit):

1. Ngaphandle kwandiso.

Ezi zivumelwano ze-deposit azihlaziywa emva kokuba ziphelile. Iimali zee-deposits ziya kugcinwa kwi- akhawunti yebhanki ngaphandle kokuveliswa kwezinto ezithandayo kuze kube lula umthengi.

2. Ngexesha elongezelelweyo.

Okwangoku, ukwandiswa kwezivumelwano zokupaka idibansi eyaziwayo neyaziwayo. Emva kokuphelelwa kwexesha lokufaka idiphozithi, idiphozithi ilungiswe ngokuzenzekelayo ngexesha elifanayo apho isivumelwano sagqitywa khona, kodwa sele sele esesisweni esitsha sedizithi. Ngokuqhelekileyo, iibhanki zineenkqubo zokunyaniseka, ezenza ukwandiswa kwenyusa izinga lentengo eliqhelekileyo ukusuka kwi-0.5 ukuya ku-1%, enenzuzo kubaxumi.

Ngendlela yokuzaliswa, idiphozithi ze-akhawunti zi:

1. Ngethuba lokuzaliswa.

Iipasipoti ezinjalo zinokuzaliswa nanini na, efanelekileyo kakhulu phambi kweemali ezongezelelweyo ukuba umxhasi webhanki ufuna kwakhona ukubeka i-akhawunti.

2. Ngaphandle kokufumana ukuzaliswa.

Olu hlobo lweediphozithi alukwazi ukuzaliswa, olumiselwe kwisivumelwano sokuvula i-akhawunti yokulondoloza.

Ziziphi iipasiti ezidumileyo?

Ukulandela umzekelo weebhanki zaseRashiya, sinokugqiba ukuba ininzi ethandwayo yi-akhawunti ye-deposit account. "I-Alfa-Bank" yeendleko zokufaka idizithi ephezulu, xa kuthelekiswa nezinye iintlobo zeepositi. AmaKlasi afana nalawo afakwa kwixesha elithile ngaphandle kokuhlawulwa okukodwa.

Ukuze uvula i-akhawunti yedizithi ebhankini, ngokuqhelekileyo umntu ufuna ukuzisa naye ipasipoti kunye nenombolo yesazisi yerhafu.