Yintoni Oyaziyo Ngaphambi kokuba uthathe i-Leap phambili kunye neBusiness Banking yakho
Ukufumana nokuqhuba ishishini eliyimpumelelo namhlanje akufunanga kuphela iimpawu zakho zobuqu kunye nokubolekwa kwemali-mboleko kodwa kunye namaqhinga okurhweba xa kuthethwa ukwenza izigqibo. Abanikazi bamashishini kufuneka bacinge ngokukhawuleza kwaye benze izigqibo ezifanelekileyo. Oku kuya kunceda ekubanjeni amathuba egolide afike ngayo nayiphi na ixesha.
Ukuhamba kwemali yintsipho yoshishino olunikeziweyo nantoni na encinci.
Naliphina ukuphazamiseka nokuhamba kwemali kunokuphindaphinda ezinye iingxaki ezininzi ekugqibeleni zikhokelela ekuphumeleleni kwezoshishino. Ngoko ke, kufuneka wenze izigqibo ezikhawulezayo nezizilumko xa kuziwa kwiimali-mboleko zoshishino okanye ukugcinwa kunye nayiphi na inkqubo enxulumene nemali.
Namhlanje, abanini-shishini abangefani nakwexesha elidlulileyo banokhetho oluninzi malunga nokubolekwa kweentengiso kunye nalapho baqhuba khona ibhanki. Sineebhanki zendabuko kunye neemanyano zamatyala apho oosomashishini abanokuya khona ukubolekisa ngokukhawuleza. Nangona kunjalo, kuyacetyiswa ngemali ukuba wazi i-pros and cons cons before making a final decision. Nantsi oku kufuneka ukwazi malunga neebhanki ngemibutho yezikredithi xa kuthengwa kwishishini.
Ziziphi iingenelo zeenkontileka zeentengo?
Okokuqala, i-credit union iyisiko lezemali elinamalungu anomdla ofanayo. Ngokomzekelo, ootitshala banokugqiba isigqibo sokuba benze umbutho wothisha okanye abantu abasendaweni eqhelekileyo banokugqiba ekubeni banamanyano abo.
Enye into malunga neemanyano zemali-mboleko kukuba azinakuncedisi-mali kodwa zenzelwe ukubonelela ngeenkonzo eziphathekayo zezimali kumalungu ayo. Iintlobo zeenkontileka zemali ziquka:
Iimali eziphezulu eziMali kwiAkhawunti zeDispositi
Ukuba ufuna ukufumana i-akhawunti yokulondoloza eyenza inzala engakumbi, ukubeka imali yeenkampani yakho kwingxowa-mali yemali yindlela efanelekileyo xa ifaniswa neebhanki.
Basenokuhlawula ixabiso lentengo ephezulu kuwo onke ama-akhawunti e-deposit kubandakanya i-akhawunti yokulondoloza, ukujonga i-akhawunti kunye ne-akhawunti yemarike yemali.
Ngokuqinisekileyo, abafakela imali bafumana imali enkulu kwiimali zabo ezivela kwiibhanki zoluntu kunye neenkontileka zemali-mboleko. Iibhanki zendabuko azizange zinikeze ixabiso lentengo engcono kunezivumelwano zemanyano. Kwiimeko ezininzi, iibhanki ze-intanethi kuphela zerhafu ezincinane ezifaniswa namaxabiso anikezelwa ngamanyano ezikolo.
Iimali eziphantsi kweNkcitho
Njengomnini-shishini, kulungile ukuhlala ugxininise kwaye uvume ukuba kukho iindlela ezingenamkhawulo onokufumana iimboleko zokukhulisa ibhizinisi lakho. Nangona kunjalo, akukona konke ngokunikezelwa kwemali mboleko kodwa kunye nemali enokuhlawulwa inzala. Ukuze usebenze kakuhle kwi shishini lakho, kufuneka uqaphele ababolekisi abahlawulisa inzala encinci kwimali-mboleko kunye nemigca yemboleko.
Imali-mboleko, iimali-mboleko zemali, amakhadi enkokhelo yoshishino, iimali-mboleko zoshishino kunye nemigangatho yoshishino yemali enikezelwa ngamanyano enkonzo yemali-mboleko ayinancinci xa kuthelekiswa neebhanki zemveli Ngokomphando, iibhanki zendabuko zihlawula iirhafu eziphambili okanye ezimbini eziphakamileyo xa kuthelekiswa nokuhlawulwa kweemanyano zetyala. Ngaloo ndlela, ukufumana imali yokubolekwa kwemali okanye umboleko wezoshishino kwi-credit union kuncinci kunokuba uthathe kwi-bhanki.
Imali ephantsi
Lo ngenye umahluko ophawulekayo phakathi kwemibutho yamatyala kunye neebhanki. Izinyunyana zetyala zihlawula inani elincinci lemirhumo kwiintengiso ezahlukeneyo xa kuthelekiswa neebhanki. Uninzi lwama-credit unions alinayo ibhalansi yokusebenza esezantsi ukujonga i-akhawunti. Ngaphezu koko, abahlawulisi ukuhlawulwa kwe-akhawunti yenyanga nganye. Oku kungasindisa i-dollar ezilikhulu leedola ngonyaka.
Ngakolunye uhlangothi, ezininzi iintengo ezifana nokuhlola, ukuhoxiswa, kunye nokuthengiselana ngekhompyutheni nazo zikhululekile. Ekugqibeleni, iimanyano zeentengo zemboleko zihlawula iifizi ezimbalwa kwi-check bounced kunye ne-overdraft. Ngokuqhelekileyo, bahlawula imali encinci kwimisebenzi yabo yansuku zonke xa kuthelekiswa neebhanki.
Ukuthobeka
Abantu abaninzi abajongene nazo zombini iibhanki kunye neemanyano zemali-mboleko baya kukuxelela ukuba imibutho yamatyala iyinto elula ukujongana nayo xa ibhangiswa neebhanki zemveli.
Uninzi lwezihlandlo zeentengo zemboleko ziyakwamkela abantu abanenkathazo yexesha elidlulileyo (umlando wezentengiso ezingekho phantsi). Oku kungenxa yokuba bancinci ngobukhulu ngamalungu amancinci ngoko kunokwenzeka ukuhla kwe sicelo sakho sezantsi kakhulu.
Ngakolunye uhlangothi, iibhanki zinamagatsha amaninzi kwaye zinabantu abaninzi abathengi. Ngoko ke, ukunciphisa isicelo sakho ngenxa yokulinganiswa kwemali ephantsi kakhulu. Emva koko, ukulahlekelwa ngumthengi omnye akukho mbambano kubo. Ngaphezu koko ukuba uyilungu le-credit union, isicelo sakho sinokudlula nangona ungahambisani nayo yonke imfuno.
Ziziphi Iingxaki Zobunini beeNtengo?
Nangona iimanyano zemboleko zingenakho imigaqo elula kunye namaxabiso angancinci, kukho iingxaki ezinjengezantsi apha.
Ukuphuhliswa kobugcisa obubi
Ekubeni iimanyano zemboleko zincinci ngobukhulu kwaye kaninzi zinamalungu amancinane xa kuthelekiswa namabhanki, ayinayo impawu esekelwe kwiwebhu ezingavumela ukuba abathengi benze okungakumbi kwi-interface yabo ye-intanethi. Izinyunyana zemboleko ezinobungqina be-intanethi ezininzi zezihlandlo zivumela abathengi ukuba benze okuncinci njengemali yokudlulisa kwaye babone imisebenzi yakutshanje kodwa akukho nto.
Ngeebhanki zendabuko, i-interfaces ye-intanethi inokukuvumela ukuba ubone imisebenzi yakutshanje, udlulisele imali kwenye i-akhawunti, ufake izicelo zamakhadi-mboleko, ufake isicelo semali-mboleko uze uhlawule iimali. Oku kubonisa ukuba iibhanki zilawula ubukho obungqongqo obukhompyutheni kunye nokusebenza ngokuthelekiswa nemanyano yamatyala.
Izinketho ezimbalwa
Njengelungu le-credit union kunye nebhanki yendabuko, ndiye ndaqonda ukuba imibutho yamatyala inika iimveliso ezincinci zemali xa kuthelekiswa neebhanki. Iibhanki zendabuko zineengxelo ezahlukeneyo zokujonga, iintlobo ezahlukeneyo zemali-mboleko, amakhadi eemboleko ezihlukeneyo kunye neentlobo ezininzi zemali-mboleko yokuthenga imali. Oku kunika umthengi inkululeko yokukhetha kuba kukho uluhlu olubanzi lweemveliso ezihambelana neemfuno zabo zomntu kunye nezoshishino.
Ngaloo ndlela, ukuba ngumyinge we-credit union unciphisa inkululeko yakho yokukhetha iimveliso zemali. Amalungu anqunyelwe kuphela ukuthatha umkhiqizo othile wezezimali kungekho gumbi lokwenza naluphi ukhetho. Oku kungaba ngumda omkhulu kumashishini amakhulu kodwa kungabi nakubincinane kumashishini asayizi.
Ukungabikho kokufikelela kwiindawo eziMzimba
Ngokungafani neebhanki ezinamaziko emvelo ezweni lonke, iimanyano zemboleko zisebenza kuphela kwiindawo ezimbalwa kakhulu. Oku kuthetha ukuba ukuba ilungu lifudukela kwindawo eyahlukileyo, kunokuba nzima kakhulu ukuba benze imisebenzi yabo. Ukongezelela, ubukho be-intanethi yeenkontileka ezininzi zeekhredithi nazo zihluphekile kwaye zenza ukuba amalungu ahlale ecaleni kwesebe langokwenyama. Ukuba ude negatsha lenyama, awukwazi ukwenza nantoni na.
Xa ukhetha apho ungayenza khona ibhanki yakho yebhanki, thatha ixesha lokubhala uluhlu kunye nenkunkuma ngamnye kwaye unqume ukuba yiyiphi ibhanki eya kulungelelanisa ngakumbi iimfuno zoshishino lakho zombini kwixesha elifutshane kunye nexesha elide.