Ukuvula iakhawunti yebhanki linyathelo elibalulekileyo kuye nabani na oceba ukuhlala okanye ukusebenza eJamani. Ungaqala nge German Bank kwaye Commerzbank. Ukuba neakhawunti yebhanki kwenza kube lula ukufumana nokulawula iimali zakho. Kukwayimfuneko nakwimisebenzi yemihla ngemihla, njengokuhlawula irente, ukufumana umvuzo, okanye ukuthenga.
Ukuvula i-akhawunti yebhanki yaseJamani kubalulekile kwii-ex-pats ngenxa yoqoqosho lwaseJamani olusekelwe kwimali, ukonga kwiimali ze-ATM, ukuququzelela iintlawulo zemivuzo, kunye nokwenza kube lula ukusekwa kwee-debits ngqo kwiibhili.
Uyivula njani iakhawunti yebhanki eJamani
Inkqubo yezemali yaseJamani yakhiwe kwiintsika ezintathu: urhwebo lwabucala, ukonga koluntu, kunye neebhanki zentsebenziswano. Xa ukhetha ibhanki ukuvula iakhawunti eJamani, kubalulekile ukuqwalasela izinto ezininzi, kubandakanya imirhumo, iinkonzo ezikhoyo, kunye nenkxaso yabathengi.
Ukuvula iakhawunti yebhanki eJamani, kufuneka ulandele la manyathelo:
Khetha ibhanki: Khangela iibhanki ezahlukeneyo kumntu okanye kwi-intanethi ukuze ufumane leyo ifanele iimfuno zakho.
Qokelela amaxwebhu ayimfuneko: Unokufuna incwadana yokundwendwela esebenzayo okanye isazisi, ubungqina bedilesi yaseJamani, kunye nobungqina bengeniso (efana nephepha lokuhlawula) kwiakhawunti ethile okanye ukuba ufuna ikhadi letyala.
Yenza idinga: Qhagamshelana nebhanki kwaye wenze idinga lokuvula iakhawunti.
Ndwendwela ibhanki ngokobuqu: Yiza namaxwebhu akho kwidinga uze ugcwalise iifomu eziyimfuneko, okanye ungafaka isicelo kwi-intanethi.
Lindela ukuvula iakhawunti: Emva kokuba ibhanki isivumile isicelo sakho, baya kuvula iakhawunti yakho.
Iimfuno ezichanekileyo kunye neenkqubo zinokwahluka ngokuxhomekeke ebhankini, ngoko ke ukujonga ngebhanki oyikhethileyo ngeenkcukacha ezithile licebo elihle.
Into ebalulekileyo eJamani kukuba awudingi ukuvula iakhawunti kwibhanki yaseJamani ukuba uhlala eJamani. Ukuze uthumele kwaye ufumane iintlawulo, kufuneka ube nohlobo lwe-akhawunti enokuba yi-akhawunti yebhanki yamazwe ngamazwe okanye ibhanki yeselula yaseJamani ukuqala kuyo I-buNQ, N26, Wise, Revolut, yaye DKB. Ukuba ufuna ukufumana imali eJamani, ungasebenzisa kwakhona iinkonzo zokudlulisa imali; abanye bakuvumela ukuba wenze iakhawunti yebhanki eJamani.
Uya kudinga i-akhawunti yokwamkela iintlawulo zenyanga, ezifana namatyala ombane okanye Iintlawulo ze-inshurensi zaseJamani. Kuya kufuneka ubonise ukuba unayo iakhawunti esebenzayo eJamani.
Ukuphonononga iintlobo zeeakhawunti zebhanki eJamani
EJamani, kukho iintlobo ezininzi zeeakhawunti zebhanki abantu kunye namashishini abanokukhetha kuzo, kubandakanya:
Jonga i-akhawunti (I-akhawunti yangoku): Olu lolona hlobo luqhelekileyo lwe-akhawunti yebhanki eJamani, esetyenziselwa ukuthengiselana kwemihla ngemihla njengokwenza iintlawulo, ukutsalwa kwemali ngokuthe ngqo, kunye nokufumana imivuzo.
ukugcina iakhawunti (Savings Account): Olu hlobo lweakhawunti lusetyenziselwa ukonga imali kunye nokufumana inzala. Ezinye iiakhawunti zogcino zithintela inani lokutsalwa kwemali elinokwenziwa nyanga nganye.
Festgeldkonto (Fixed-Term Deposit Account): Olu hlobo lwe-akhawunti luvumela abathengi ukuba bafake isixa semali emiselweyo kwixesha elimiselweyo, ngokuqhelekileyo iinyanga ezintathu ukuya kwiminyaka emi-5. Izinga lenzala liphezulu kune-akhawunti yokonga, kodwa imali ayifumaneki ngexesha elimiselweyo.
Tagesgeldkonto (Call Account Deposit): Olu hlobo lwe-akhawunti luvumela abathengi ukuba bafake imali okwexeshana elifutshane, ngesiqhelo imini enye, ngeqondo lenzala elingaphezulu kancinci kune-akhawunti yokonga.
Iakhawunti yeshishini (Iakhawunti yoShishino) ivumela amashishini kunye nabantu abaziqeshileyo ukuba balawule iintengiselwano zabo zemali.
Ezi bhanki zilandelayo zibonelela ngeepakethi ezilungileyo ngokubanzi zolawulo lweakhawunti simahla kunye nentlawulo eqala kwi-700 euro ekuphumeni.
Uhlobo ngalunye lweakhawunti yebhanki luneenzuzo kunye nezingeloncedo, ngoko ke kubalulekile ukuqwalasela iinjongo kunye neemfuno zakho zemali phambi kokuba uvule i-akhawunti.
IiBhanki eziBalaseleyo eJamani: Isikhokelo sabaThengi
IJamani likhaya lezinye zezona bhanki zidumileyo nezithembekileyo kwihlabathi. Ngenkqubo yebhanki eyomeleleyo kunye nemimiselo efanelekileyo, ilizwe libonelela ngendawo ekhuselekileyo kubathengi ukuba balawule iimali zabo.
Xa ukhetha ibhanki eJamani, kubalulekile ukuqwalasela iinjongo zakho zemali, iimfuno kunye nezinto ozikhethayo. Ukongezelela, nganye yezi bhanki inamandla kunye nobuthathaka bayo. Ngoko ke, kubalulekile ukuphanda kwaye uthelekise iimveliso kunye neenkonzo ezibonelelwa yibhanki nganye phambi kokuba wenze isigqibo.
Nazi ezinye zezona bhanki zibalaseleyo eJamani onokuthi uziqwalasele:
I-HypoVereinsbank (UniCredit Bank AG)
Isikhokelo sokuFumana iSebe elikufutshane nawe.
Ngethamsanqa, uninzi lweebhanki eJamani zinenethiwekhi ebanzi yamasebe kunye nee-ATM, okwenza kube lula kubathengi ukuba bafikelele kwiimali zabo kwaye balawule imali yabo.
Ungachwetheza "iibhanki ezikufutshane neBerlin" kwiiMephu zikaGoogle okanye nayiphi na enye imephu yeapp. Apho unokufumana uluhlu lwamasebe afanelekileyo onokuqhagamshelana nawo. Ungakhangela indawo yakho isebe elikufutshane ukuba awukho eJamani. Banokukunceda ufumane ibhanki eJamani.
Khangela ii-ATM zamasebe akufutshane eJamani.
Thetha naye nabani na okhe wahamba okanye wasebenza eJamani. Uya kufumanisa ukuba abanye abahlobo bakho okanye usapho lwakho luyawazi amasebe ebhanki akufutshane. Buza ngeenxa zonke kwaye ufumane amathuba phakathi kwabafowunelwa bakho. Isixhobo esilula sokwenza oko yiyo nayiphi na imephu yeapp. Apha ngezantsi, umzekelo, ukhangelo lweemephu zikaGoogle "iiATM ezikufutshane neHamburg."
Xa ukhetha ibhanki eJamani, kubalulekile ukuba kuthathelwe ingqalelo uncedo lwamasebe abo kunye nee-ATM. Ngethamsanqa, iimephu ze-intanethi kunye neendawo zesebe zinokukunceda ekufumaneni isebe elikufutshane. Ngokukhetha enye yeebhanki eziphezulu eJamani enothungelwano olubanzi lwamasebe kunye nee-ATM, ungalawula ngokungenamgudu imali yakho kwaye ufikelele kwiimali zakho nanini na kuyimfuneko.
Imithombo: Ndisebenzile Kwangoku ukujonga ukuba zidume kangakanani ezinye zeziza zemisebenzi ezithiwe thaca apha ngasentla.
I-caption yomfanekiso weqweqwe elingasentla ngumculo wesitrato kwicathedral square ISango laseBrandenburg, eBerlin, eJamani. Ifoto ngu UMarius Serban on Unsplash.
Shiya iMpendulo