Vula ibhanki e-UK
Kulula njengokucofa, thengisa kwaye ugcine. Ngokusebenzisa i-BCT Debit Card, unokufumana imali oyithengileyo kwiivenkile zakho ezininzi ozithandayo, kwi-intanethi nakwiindawo zentengiso. Kulula ukubhalisa kwaye uqale ukufumana imali.
“Ndayithanda kakhulu iBCT. Umzekelo wokuba kutheni: Senze impazamo kwaye ngokungazi safaka imali yomvuzo kwenye iakhawunti yethu. Abasebenzi ababini be-BCT bandifowunele ukundazisa kwaye basinceda ukuba sidlulisele imali kwi-akhawunti yethu yokuhlawula ngokukhawuleza. Ezinye iibhanki zam azifuni. Siye sahlawula kwaye saphepha intlekele ngesizathu esinye esilula… I-BCT iyakhathala.
Iikhaltyhuleyitha zethu zinokukunceda uhlale uphezulu kubomi bakho bezemali, njengokumisela iintlawulo zenyanga-mboleko zobuqu, ukufikeleleka kwemoto, nokuba uyarenta okanye uthenge indlu, i-amortation ye-mortgage, ukonga kunye neenjongo zokuchitha, ukukhankanya nje ezimbalwa.
Ikhatyhuleyitha ye-Mortgage eSpain
Amazinga enzala avela kule theyibhile ahambelana neyona pesenti iphezulu yezicelo. Kufuneka uthathele ingqalelo ukuba zinokuhluka ngokuxhomekeke kwisixa kwaye, apho kufanelekileyo, ixesha eliceliweyo ekugqibeleni.
Nawuphi na umntu ongaphezulu kweminyaka eyi-18 kwaye uhlala eSpain. Isimbuku sobudala bomenzi-sicelo kunye nexesha lemali yokubambisa kufuneka lingadluli iminyaka engama-80. Inokucelwa emva kwenkqubo yokubhalisa elula kwaye ngaphandle kwesidingo sokuvula i-akhawunti.
Iindleko zokuthengwa kwezindlu: zibandakanya i-notary, ubhaliso kunye neendleko zolawulo, kunye neerhafu ezinxulumene nokuthenga: I-VAT ukuba likhaya elitsha okanye i-ITP (irhafu yokudluliselwa kwepropathi) yendlu ethengiswa ngokutsha. Ezi ndleko zinokuqala phakathi kwe-10% kunye ne-15% yexabiso lepropati.
Iyakhawuleza kwaye kulula. Ungayicela kwiwebhusayithi ngokugcwalisa iinkcukacha zakho kunye nokulayisha amaxwebhu, njl. Ukongeza, uya kuba noncedo lomcebisi wobuqu kulo lonke inkqubo, oya kuqinisekisa ukuba yonke into ihamba kakuhle.
Yi-inshurensi ejongene nemingcipheko enokuthi ikhaya lakho libandezeleke, umzekelo: iziphumo zesibini zemijikelezo emfutshane yombane, imibhobho eyaphukileyo, ukuphuka okuhlukeneyo, iingozi zasekhaya, iingozi ezibangelwa yimozulu, ubusela, njl. Ikwabandakanya uxanduva loluntu olubangelwa ngumonakalo okanye ukwenzakala kwabanye abantu okanye kwipropathi yabo, njengezinto eziwa kwiifestile okanye iibhalkhoni, izikhukhula kwimigangatho esezantsi, njl.
Iimali mboleko eSpain
Uneminyaka engama-62 okanye ngaphezulu kwaye ufuna izibonelelo ze-akhawunti yokuHlola ye-LifeGreen, kunye neendlela ezilula zokurhoxisa umrhumo wakho wenyanga kunye neempawu zebhonasi. Funda ngakumbi malunga neakhawunti yethu yokujonga i-LifeGreen
Ikhadi letyala le-Visa elifumana amanqaku amaninzi okuBuyiselwa koBudlelwane ekuthengeni okufanelekileyo1 enokuthi ihlawulwe nge-1% yemali, uhambo okanye intengiso, kwaye ibandakanya uKhuseleko lokuThenga, ukuKhuselwa kweXabiso, ukuBuyiselwa kweMpahla eLahlekileyo, i-Visa Signature Concierge, Ukucinywa / ukuPhazamiswa kohambo kunye nokuhanjiswa kweNdlela. Iinkcukacha ezithe xaxe
La makhadi angaphindi ahlawulelwe ayafumaneka ukuze athengwe ngobuninzi kwaye anokusetyenziswa naphina i-Visa® debit yamkelwe. La makhadi asetyenziselwa ukuvuza nokukhuthaza abasebenzi kunye nokunceda ukwenza ukuthi "Enkosi" kube lula kwaye kwanelisayo. Iinkcukacha ezithe xaxe
I-Euribor yokubala
Siya kuhlala siqwalasela isicelo esingacwangciswanga kwaye senze intlawulo ukuba sinako. I-ovadrafti engacwangciswanga inokukhokelela kwimisebenzi eyaliwe. Sinika ingxelo ngomsebenzi we-akhawunti, kubandakanywa ukusetyenziswa kwe-ovadrafti, kwii-arhente zereferensi yamatyala. I-ovadrafti ehlala ngaphezulu kweentsuku ezingama-30 inokuba nefuthe elibi kumanqaku akho etyala.
Ukuba uyarhoxisa i-ovadrafti, kuya kufuneka uphinde uhlawule isixa-mali esisele sidlulile kunye nayo nayiphi na inzala efunekayo. Ukuba ufuna ukuthoba umda wakho, kuya kufuneka uqale uqinisekise ukuba imali-mboleko yakho ilingana nomda omtsha.
Xa uvula iakhawunti yakho, uya kukwazi ukucela i-ovadraft ecwangcisiweyo. Ii-euro ezingama-25 zokuqala azifumani nzala. Nantoni na oyibolekayo ngaphezu kweso sixa-mali, kodwa kumlinganiselo obekiweyo okanye ongacwangciswanga we-overdraft, iya kuba nenzala kwi-39,9% EAR (inguquko)4.
Sinezixhobo zokukunceda uphephe ukugqitha kwi-overdraft ovunyelwene ngayo. Ukuba usinike inombolo yefowuni yeselula, siyakuthumelela isaziso sombhalo ukuba intlawulo iza kukhokelela kwi-ovadrafti engacwangciswanga. Siza kukuthumelela isaziso esibhaliweyo ukuba akukho mali yaneleyo efumanekayo kwiakhawunti yakho ukwenza intlawulo.
