Zihambile iintsuku abathengi bebhanki befaka imali yabo kuyo okanye babolekise ngayo.. Namhlanje, nje ukuthenga izabelo ebhankini, kunokwenzeka ukuba ube yinxalenye yabenzi bezigqibo zalo.
Ngakolunye uhlangothi, akukhona nje nayiphi na ibhanki enikezela oku kunokwenzeka kubathengi bayo, ingaphezu kwazo zonke iibhanki ezihlangeneyo, ezifana neBanque Populaire, apho unokuhamba khona ukusuka kumthengi olula ukuya kwilungu. Siza kubona, kweli nqaku, indlela yokwenza ube lilungu yaye ngaphezu kwako konke, ziziphi iingenelo zokwenza oko!
Ilungu, umthengi ofana nomnye!
Ilungu ngumthengi obhalisela isivumelwano sebhanki onezabelo kwibhanki yakhe. Ngokuqhelekileyo ziibhanki ezihlangeneyo ezinikezela abathengi babo babe ngamalungu, kwaye oku, ngokuthenga izabelo zabo.
Ilungu unokuba lilungu ukuba ufaka isandla kwikhontrakthi yobulungu kunye nenye yeebhanki ezininzi ezihlangeneyo ezifumaneka eFransi. Ukuthenga izabelo kunye ube lilungu lebhanki, kufuneka, ngaphezu kwakho konke, ube ngumntu wendalo okanye osemthethweni ukuze ukwazi ukuthatha inxaxheba kwiivoti kunye nokwenza izigqibo.
Kwelinye icala, akungenxa yokuba ilungu linezabelo ezininzi oko kumnika ukubaluleka ngakumbi ekwenzeni izigqibo. Kwilungu ngalinye, yivoti enye, hayi ngaphezulu. Esi sikhundla sidalwe ukuvumela abathengi bebhanki ukuba bakwazi ukulawula, ukuququzelela okanye ukuyilungisa, kunye, ngesivumelwano esifanayo. Ukutshintshana, ilungu ngalinye liya kufumana umvuzo ngonyaka ngamnye kwaye liya kuxhamla kwiinzuzo ezithile kwiinkonzo kunye iimveliso ezinikezelwa yibhanki.
Kutheni ube lilungu leBanque Populaire?
Ukuba lilungu kuthetha, ngaphezu kwako konke, ukukwazi ukuxhasa ngemali uqoqosho lwengingqi kunye nommandla, kodwa ukwazi ukubandakanyeka ngakumbi kwizigqibo zebhanki yakho. Yiba ilungu e Banque Populaire ineengenelo ezininzi:
- ngokuba lilungu, uba ngumnini-ndawonye webhanki, kunye nawo onke amanye amalungu. Ukongeza, i-Banque Populaire ayinabanini-zabelo, oku kuthetha ukuba ayinayo izabelo ze-stock market;
- izabelo ezithengiweyo zinokuvumela ibhanki ukuba ixhase ngemali iiprojekthi ezininzi kwaye ngoko iphucule uqoqosho lwasekhaya;
- imali egciniweyo inokusetyenziselwa ukuxhasa ngemali iiprojekthi ezahlukeneyo kwintsimi. Oku kubizwa ngokuba yi-short circuit of money, apho yonke imali eyongiweyo isetyenziselwa ukuxhasa ngemali iiprojekthi ekuhlaleni;
- amalungu aneentlanganiso zawo kwaye anokuvota ukukhetha abameli bawo bexesha elizayo. Basenokuthetha ngokhetho olwenziwe ngabaphathi kwaye bababuze imibuzo;
- ngokuzibophelela kwamalungu, ibhanki iya kukwazi ukuzinza ngokukhululeka kulo mmandla kwaye ngaloo ndlela igcine imisebenzi kwiindawo ezithile zasemaphandleni. Yindlela efana nayo nayiphi na enye yokuxabisa ababoneleli bommandla wakho, ukukhangela ekuhlaleni kwaye ungawuthuthi umsebenzi wakho;
- ube lilungu, kukwathetha ukuvumela ibhanki yakho ukuba izibandakanye nemibutho enobudlelwane noshishino, imfundo okanye inkcubeko. Le mibutho iya kuba nako ukufumana inkxaso-mali.
Ukuququmbela, iBhanki yaBantu ivumela amalungu ayo ukuba abe luncedo eluntwini njengakwibhanki ngokwayo.
Indlela yokuba lilungu lebhanki?
Yiba lilungu lebhanki ilula kakhulu kunokuba ucinga. Ngokucacileyo, kufuneka ube sele ungumthengi webhanki oyikhethileyo kwaye uthenge izabelo ebhankini. Kufuneka ube nesabelo esinye okanye ngaphezulu ngexabiso le-1,50 ukuya kwi-450 ye-euro.
Kodwa ixesha elininzi, izabelo ebhankini iindleko, ngokomyinge, 20 euro, akukho ngaphezulu! Njengomgaqo jikelele, awukwazi ukubhalisa kwinani elingenamkhawulo weeyunithi. Ngokutsho kwamaziko ebhanki, i umda wezabelo zokuthenga inokwahluka phakathi kwe-200 kunye ne-100 ye-euro. Ngokubhekiselele kwiBanque Populaire, kuxa imali-mboleko inikezelwe apho ibhanki iya kubhalisa izabelo kunye nabathengi bayo ngokuthanda kwabo.
IBhanki yaBantu ikwanika abathengi bayo ithuba lokukhetha inani lezabelo abafuna ukuzithenga. Kufuneka nje uye kwisebe lakho okanye isebe lengingqi yebhanki yakho.
Kubalulekile ukucacisa ukuba nabani na unako ube lilungu lebhanki. Kukwayinto ekhuthazwayo, kuba, ngaphezu kwayo yonke into, isenzo somkhosi kwaye ivumela ukuba kwenziwe izigqibo ezibalulekileyo kwibhanki yomntu.
