Zapita masiku omwe makasitomala aku banki amangoyika ndalama zawo kapena kupanga ngongole.. Lero, basi kugula masheya kubanki, ndizotheka kukhala m'gulu la opanga zisankho za izi.

Kumbali inayi, si banki iliyonse yomwe imapereka mwayi kwa makasitomala ake, ili pamwamba pa mabanki onse, monga Banque Populaire, kumene mungapite kuchokera kwa kasitomala wosavuta kupita kwa membala. Tiwona, m'nkhaniyi, momwe tingachitire kukhala membala ndipo koposa zonse, ndi ubwino wotani wochita zimenezo!

Membala, kasitomala ngati palibe wina!

Membala ndi kasitomala amene akulembetsa ku banki yemwe ali ndi magawo mu banki yake. Nthawi zambiri ndi mabanki omwe amapereka makasitomala awo kukhala mamembala, ndi izi, pogula magawo awo.

Membala atha kukhalanso membala ngati athandizira nawo mgwirizano wa umembala ndi imodzi mwamabanki ambiri omwe amapezeka ku France. Kugula magawo ndi kukhala membala wa banki, muyenera, koposa zonse, kukhala munthu wachibadwidwe kapena wovomerezeka kuti muthe kutenga nawo mbali pamavoti ndi kupanga zisankho.

Kumbali ina, sichifukwa chakuti membala ali ndi magawo angapo zomwe zimamupatsa kufunikira kopanga zisankho. Kwa membala aliyense, ndi voti imodzi, osatinso. Izi zidapangidwa kuti zilole makasitomala akubanki kuti athe kuyang'anira, kulinganiza kapenanso kuyikonza, palimodzi, mogwirizana. Posinthanitsa, aliyense wa mamembala adzalandira malipiro chaka chilichonse ndipo adzapindula ndi maubwino ena pazantchito ndi zinthu zoperekedwa ndi banki.

Chifukwa chiyani kukhala membala wa Banque Populaire?

Kukhala membala kumatanthauza, koposa zonse, kukhala ndi ndalama zothandizira chuma chapafupi ndi chigawo, komanso kukhala okhudzidwa kwambiri ndi zisankho za banki yanu. Khalani membala ku Banque Populaire ili ndi zabwino zingapo:

  • pakukhala membala, mumakhala eni ake a banki, ndi mamembala ena onse. Kuphatikiza apo, Banque Populaire ilibe eni eni ake, zomwe zikutanthauza kuti ilibe magawo amsika;
  • masheya ogulidwa angathandize kuti banki ipeze ndalama zogwirira ntchito zambiri motero kupititsa patsogolo chuma cha m’deralo;
  • ndalama zosungidwazo zingagwiritsidwe ntchito kuthandizira ntchito zosiyanasiyana m’gawolo. Izi zimatchedwa dera laling'ono la ndalama, kumene ndalama zonse zomwe zimasonkhanitsidwa zimagwiritsidwa ntchito pothandizira ntchito m'deralo;
  • mamembala amakhala ndi misonkhano yawoyawo ndipo akhoza kuvota kuti asankhe owayimira mtsogolo. Atha kulankhulanso za zisankho zomwe mamenejala apanga ndikuwafunsa mafunso;
  • ndi kudzipereka kwa mamembala, banki ikwanitsa kukhazikika bwino mderali ndikusunga ntchito kumadera ena akumidzi. Ndi njira yofanana ndi ina iliyonse yopezera ndalama kwa omwe akukupatsirani dera lanu, kulembetsa kwanuko osati kusamutsa ntchito yanu;
  • kukhala membala, kumatanthauzanso kulola banki yanu kuti igwirizane ndi mayanjano omwe ali ndi ubale ndi bizinesi, maphunziro kapena chikhalidwe. Mabungwewa athanso kupeza thandizo.

Pomaliza, ndi People's Bank amalola mamembala ake kukhala othandiza kwa anthu ammudzi momwemonso banki yomwe.

Kodi mungakhale bwanji membala wa banki?

Khalani membala wa banki ndizosavuta kuposa momwe mukuganizira. Mwachiwonekere, muyenera kukhala kale kasitomala wa banki yomwe mwasankha ndikugula magawo kubanki. Muyenera kukhala ndi gawo limodzi kapena angapo okhala ndi mtengo wa 1,50 mpaka 450 mayuro.

Koma nthawi zambiri, magawo a banki amawononga ndalama zambiri, pafupifupi ma euro 20, palibenso! Monga lamulo, simungathe kulembetsa ku chiwerengero chopanda malire cha mayunitsi. Malinga ndi mabungwe a banki, ndi malire a magawo oti mugule imatha kusiyana pakati pa 200 ndi 100 euros. Ponena za a Banque Populaire, ndi pamene ngongole yaperekedwa kuti bankiyo idzalembetsa masheya ndi makasitomala awo mokomera iwo.

Bungwe la People's Bank imapatsanso makasitomala ake mwayi wosankha kuchuluka kwa magawo omwe akufuna kugula. Muyenera kupita kunthambi yanu kapena nthambi yachigawo ya banki yanu.

Ndikofunika kunena kuti aliyense angathe kukhala membala wa banki. Ndichiwonetsero chomwe chimalimbikitsidwa, chifukwa, koposa zonse, ndi machitidwe ankhondo ndipo amalola kuti zisankho zofunika zipangidwe kubanki yanu.