Ukuba ungumtyalo-mali okanye usomashishini osetyenziselwa ukusebenzisana neebhanki kunye nokusebenzisa iinkonzo zabo, yazi ukuba kukho ezinye iindidi zamaziko emali avumela ukuba ufikelele kumalungelo afanayo, kodwa ngeerhafu eziphantsi. Ezi zibizwa ngokuba: iibhanki ezingamalungu.
Fumana, kweli nqaku, yonke into oyifunayo ukuyazi ngolu hlobo lweebhanki. Ithetha ukuthini a ibhanki yelungu ? Zeziphi iingenelo zokuba ngumthengi welungu? Indlela yokuba lilungu lebhanki?
Ithetha ntoni ibhanki yobulungu?
Come us le savons tous, ibhanki liziko lemali elenza inzuzo elinjongo yalo ikukugcina nokukhulisa ulondolozo lwakho. Oko kwathiwa, njengawo onke amaziko anengeniso, ibhanki ineeprojekthi zayo ezivumela ukuba zivele. Nangona kunjalo, ukuze ihlale ikhosi kwaye igqibezele iiprojekthi zayo, ibhanki idinga inkxaso-mali yangaphandle. Kwaye kulapho ke umgaqo webhanki yelungu.
Un iziko lemali ilungu ngaphezu kwakho konke, yibhanki ehlangeneyo okanye yentsebenziswano. Oku kuvumela umxhasi ukuba angenelele kwinkunzi yakhe ngokuthenga izabelo. Umxhasi ngamnye onezabelo ubizwa ngokuba lilungu. EFransi, umzekelo, unokufumana iibhanki ezininzi zamalungu.
Indlela yokuqaphela ibhanki elungu?
Unako Yamkela ilungu lebhanki ngo:
- ikomkhulu layo;
- ubukho bee-arhente.
Enyanisweni, iibhanki ezingamalungu zi, ngaphezu kwakho konke, ukusekwa zakudala. Ngamanye amazwi, ibhanki yenethiwekhi. Ngoba ? Ewe, khawufane ucinge ukuba uthenga izabelo kwibhanki ethile, uya kuba lilungu ngokusemthethweni okanye unxulumano lweshishini. Ngoko ke, ngokobuchwephesha, kufuneka ube kufutshane nebhanki yakho, ngokuthe ngqo okanye ngokusebenzisa amasebe ayo, ukuze ukwazi ukusebenzisa amalungelo awohlukeneyo oza kunikwa wona njengelungu.
Zeziphi iingenelo zokuba ngumthengi welungu?
Thenga izabelo kwi-capital yebhanki kunye ube lilungu zineengenelo ezininzi, phakathi kwazo:
Ukuthatha inxaxheba kwiiprojekthi zebhanki
Yiba lilungu lebhanki iyafana nemo yokuba lilungu lenkampani. Ngokwenene, isihloko selungu sinikeza ithuba kumnini walo ukuba athathe inxaxheba kwiiprojekthi zebhanki. Ngoko ke unelungelo lokuvota kwintlanganiso jikelele, phambi kwamalungu ahlukeneyo asebenzayo ebhanki, ngakumbi amanye amalungu. Ngokucacileyo, izabelo ezinkulu, ngakumbi ilizwi lelungu ingxelo kwintlanganiso kawonke-wonke.
Thatha inzuzo yezaphulelo kuzo zonke iinkonzo zebhanki
Ilungu ngu umthengi wabucala webhanki. Oko kwathiwa, ekubeni ethatha inxaxheba kuphuhliso kunye nokuvela kweeprojekthi zebhanki, lo mva umnika izaphulelo kuzo zonke iinkonzo ezinikezelwayo. Ngaloo ndlela uya kuba nethuba lokuthabatha imali-mboleko yebhanki ngoxa ezuza kwinzala encitshisiweyo.
Ukufikelela simahla kumaxwebhu ebhanki
Ngokuba lilungu, uya kuba nokufikelela kuwo onke amaxwebhu ebhanki. Uya kuba nethuba lokubona i-evolution yebhanki kule minyaka idlulileyo, ngakumbi iiprojekthi ezahlukeneyo ezigciniweyo, ukuze ukwazi ukuphakamisa isicwangciso esitsha okanye ingcamango yotyalo-mali eya kwenza inkunzi yeziko elihlangeneyo.
Yiba ngowokuqala ukwazi ngeenkonzo ezintsha zebhanki
Njengelungu, unelungelo lokuba phakathi kwabantu bokuqala ukufunda ngeenkonzo ezintsha ezinikezelwa yibhanki olilungu kuyo.
Indlela yokuba lilungu lebhanki?
Ukuba ubume belungu unomdla kuwe, yazi ukuba inkqubo yokuba ngomnye ilula kakhulu. Enyanisweni, kufuneka ulandele la manyathelo:
Qhagamshelana nomcebisi wezezimali webhanki ekuthethwa ngayo!
Inyathelo lokuqala kukudibana nomcebisi a mutual bank ozikhethele ukuze ube nalo lonke ulwazi kwiinzuzo kunye nemiqobo yesi simo.
Qinisekisa isixa sezabelo ofuna ukuzithenga!
Inyathelo lesibini kuku misela i izabelo ezinkulu ukuba uthenga. Qaphela, nangona kunjalo, ukuba izabelo zivaliwe ukuze wonke umntu athathe inxaxheba! Nangona kunjalo, nge-5 okanye i-euro ezingama-20, unokwenza kakuhle kakhulu ube lilungu.
Ngoko ! Ngoku uyazi ukuba amanyathelo okuba ngamalungu zilula kakhulu. Nangona kunjalo, kufuneka wazi ukuba esi simo asiyongeniso, ngamanye amazwi, awuzukufumana ngeniso ngokutshintshiselana ngegalelo lakho.
