Umahluko phakathi kokudluliselwa kunye nokudluliselwa kweNkcukacha!

Kulo lonke eli nqaku siza kuzama ukusombulula onke amathandabuzo akho malunga umahluko phakathi kokudluliselwa kunye nokudluliselwa, Siyazi ukuba la magama mabini ngamanye amaxesha anokubangela ukubhideka, ngoko ke siza kuzama ukukunceda ukuba uwahlule kwaye wazi intsingiselo yawo nganye. Masiqalise.

Umahluko phakathi kokudluliselwa nokudluliselwa

Xa sibona la magama mabini okokuqala, ukusabela kwethu kwendalo kuya kuba kukucinga ukuba zombini zibhekisa kwiikhonsepthi ezifanayo, kukho nabantu abacinga ukuba zinokuba zizithethantonye, ​​kodwa makhe sikuxelele ukuba ziingqikelelo ezahlukeneyo. ukuba kufuneka wazi indlela yokuhlela ukunqanda ukukwazi ukwenza impazamo kwaye wenze iintengiselwano ezingalunganga.

Siyazi ukuba inkqubo ebandakanya ukuthumela imali ukusuka kwindawo enye ukuya kwenye yinkqubo eqhelekileyo ngokufanelekileyo kuwo onke amaqumrhu ebhanki kuthi njengabasebenzisi, ithathwa njengomsebenzi esiwenza kwi-90% xa singena kwi-platform yebhanki yebhanki okanye xa ukuya kumthengisi obonakalayo webhanki. Kodwa kufuneka sazi ukuba ngokuxhomekeke kwintengiselwano esigqibe ukuyenza, ezi zinokuba neziphumo ezithile ezahlukeneyo.

Ke ngoku ngowuphi owona mahluko uphawuleka kakhulu? Ewe, ilula, ukudluliselwa kukhululekile ngokupheleleyo, ngelixa, ukudluliselwa, iibhanki okanye amaqumrhu emali ahlawulisa iikomishoni ezahlukeneyo ngokuxhomekeke kwimali eyenziwa ngayo intengiselwano, ibhanki ekujoliswe kuyo okanye nokuba indawo yejografi. imali iqondiswe.

Umahluko phakathi kogqithiso olongezelelweyo kunye nokudluliselwa

Omnye umahluko omkhulu kukuba ukudluliselwa, okwakwaziwa ngokuba "kukudluliselwa kwangaphakathi", kunokwenziwa kuphela kwibhanki enye, oko kukuthi, zibandakanya iinkqubo zangaphakathi kuphela, oko kukuthi, ukuba unako ukwenza ezi ntengiselwano zombini akhawunti yakho kwaye ube kwibhanki enye okanye kwabanye abasebenzisi akhawunti kwibhanki enye, akukho zithintelo ezinjalo.

Ukongeza, sinokubandakanya ukuba ezi nkqubo zizenzekelayo kwaye ngaphandle kwentlawulo yeekhomishini, ekubeni imali ayiyi kufudukela kwezinye iindawo, iibhanki aziqhelekanga ukuhlawulisa ngolu hlobo lwesenzo nokuba uyenza kwi-akhawunti yakho okanye enye. abathengi, njengoko besitshilo ngaphambili.

Nangona kunjalo, kukho amaxesha apho uqokelelo lweekhomishini lusebenza, phantse rhoqo xa ukudluliselwa kwenziwa kwi-akhawunti yomthetho ukuya kwenye i-akhawunti yezomthetho yeofisi eyahlukileyo, kulo mzekelo ukuba kuhlawuliswa imali encinci, eya kuba ichazwe ngokusekelwe kwimimiselo yangaphakathi yeebhanki, eziya kuphinda zihluke ngokuxhomekeke kwimali edluliselwe kunye nomntu owenziwe kuye.

Ke ngoko, yingongoma ekufuneka uyithathele ingqalelo xa ugqithisela, ukuba unemali eyaneleyo okanye ufuna ukuthumela yonke imali onayo kwiakhawunti, kufuneka uhlale ukhumbula ukuba awazi ukuba baza kuhlawulisa iikhomishini, ngoko kusoloko kucetyiswa ukuba ube nentsalela okanye ukucotha ukukunceda ngaloo nto.

Oku kuchasene nokudluliselwa, okubandakanya ukwenza ukuthengiselana kunye nee-akhawunti ezizezinye iibhanki, ngoko ke, ziya kuhlala zivelisa iikhomishini zokuqhuba umsebenzi, kwaye apha siqala ukubona ukungafani kunye negama esilichaza ngasentla, kwaye oku. isebenza kuyo nayiphi na iakhawunti evela kwenye ibhanki nokuba yeyomnini omnye okanye yeyomnye umntu okanye iofisi.

Iyakuba yimalini loo pesenti?

Yinto enokuthi ibambe ingqalelo yakho, kuba impendulo yeyokuba iya kuxhomekeka ngokupheleleyo kwisixa-mali esitshintshelwa sona, ibhanki apho ikhutshiweyo, leyo ifumana imali kunye nendlela bobabini abaluphatha ngayo olu hlobo lwentengiselwano. , indawo yejografi apho yenziwe khona nalapho ifunyanwa khona, inokude ibe nefuthe kwindlela okwenziwa ngayo utshintshiselwano, nokuba luvela kwi-app ephathwayo okanye ngokuthe ngqo kwiwebhusayithi. Konke oku kunokuba nefuthe ukuze bakuhlawulise ixabiso eliphezulu okanye eliphantsi lekhomishini yokwenza umsebenzi.

Mhlawumbi unokuzibuza, kutheni iibhanki zihlawulisa ezi khomishini? Ewe, kungenxa yenyaniso elula ukuba kubabiza imali ukwenza umsebenzi, kwaye kufuneka babe nenkxaso ethile xa kukho imfuneko yokubuyisela imali edluliselweyo ngesizathu esithile, oko kukuthi, ezi zixamali. azikhutshelwa ngaphandle, zonke zilawulwa ngokufanelekileyo kwimithetho yerhafu esisiseko yebhanki.

Lo mthetho nguwo ovumela umsebenzisi webhanki ukuba akwazi ukukhetha ukuba ufuna intlawulo yekhomishini yenziwe nguwe njengomthengi owenza udluliselo okanye lowo uyifumanayo, okanye ungathatha intlawulo yale nto. isiqingatha, nto leyo ethetha ukuba inxalenye nganye, zonke ziyimiba onokuyikhetha.

Ukongezelela, kufuneka uqaphele ukuba i-mali ephezulu oyidluliselayo, iphakamileyo yeekomishini, ngoko ke, kufuneka ukwazi ukuba awukwazi ukubala kwimali eyaneleyo yokuthengiselana, kufuneka uhlale une-slack ehambelanayo, ukwenzela ukuba ngale ndlela. utyando lunokuphumelela.

Kwiminyaka embalwa edlulileyo into eyayinempembelelo enamandla yayiyindawo apho iziko lezemali lihlala khona, ukuba likwindawo enye okanye ngaphandle, oku kwaba nefuthe kakhulu ekuqokeleleni iikomishoni, nangona kunjalo, le yinkalo yokuba kwiminyaka embalwa edlulileyo. ibimanyene kwaye namhlanje ayiyondawo ethatha isigqibo. Ngaphandle kokuba yintengiselwano yebhanki engaphandle kwelizwe, kule meko ikhomishini ehambelana nayo inokuchaphazeleka.

Umahluko ophambili phakathi kokudluliselwa kunye nokudluliselwa

Iiyantlukwano eziphambili zineengongoma ezine eziphambili, ezizi: amaziko anokuthi athathe inxaxheba ekuqhubeni umsebenzi, ukuqokelela iikhomishini, ukukhawuleza kwenkqubo kunye nethuba lokuba nengeniso yemali. Siza kuphuhlisa inqaku ngalinye kancinci ngakumbi ukuze ungabi nantandabuzo:

Amaqumrhu anokubandakanyeka

Kwimeko yokudluliselwa, kuphela iqumrhu lemali elifanayo elibandakanyekayo ukuze libe nako ukwenza umsebenzi, nokuba kumnini omnye okanye omnye.

Kwimeko yokudluliselwa, amanye amaziko ebhanki abandakanyekayo ukwenzela ukuba aqhube umsebenzi, kwaye ngendlela efanayo, nokuba kumnini omnye okanye omnye.

Ukuqokelelwa kweekomishini

Kwimeko yokudluliselwa, ayithethi ukuhlawulwa kweekhomishini ngumthengi. Ngaphandle kokuba sithetha malunga nokusebenza kweenkampani ezinkulu ezinexabiso elikhulu, kule meko kufuneka uhlawule ngokukodwa.

Kwimeko yokudluliselwa, ivelisa intlawulo yekhomishini esekwe yibhanki ngokuxhomekeke kwizinto ezahlukeneyo ezifana: intlawulo yesixa sokuthengiselana, indawo yejografi ukusuka apho umsebenzi wenziwa khona apho uthunyelwa khona , indlela okanye ifomu apho intengiselwano yenziwe kunye nemiba yolawulo njengoko kunjalo kwiqumrhu lebhanki.

Kwangoko

Kwimeko yokudluliselwa, njengoko sithetha ngeeakhawunti zebhanki enye, kukhankanywa ukuba imisebenzi yenziwa ngokukhawuleza okanye ngokukhawuleza.

Xa sithetha malunga nokudluliselwa, ezi nkqubo zokudluliselwa kwemali azenziwanga ngoko nangoko, ngoko kuhle ukuba uzibhale ngokwakho ngokusekwe kwibhanki yakho ukuze ukwazi amaxesha okuthengiselana, phantse zihlala zithatha iiyure ezingama-24 zomsebenzi ukuba imali ibonakaliswe. .

Ukubanakho kwengeniso yemali

Kuba olu khetho kwimeko yokudluliselwa alwamkeli olu nokwenzeka. Kwimeko yokudluliselwa, ungafaka imali ofuna ukuyihambisa ngemali. Ukuthatha imali ukuba ifunyenwe kwi-ofisi yebhokisi, kwaye oku kuya kubonakala malunga neeyure ezingama-24 ukuya kwezingama-48 emva kokwenza lo msebenzi.

Iintlobo zodluliselo

Ngoku makhe sithethe ngento enokuba nomdla kakhulu kwaye ibalulekile kuwe, zeziphi iintlobo zokudluliselwa esinokuzenza? Sineentlobo ezi-6 zodluliselo esinokuzenza, esiza kuthetha ngazo ngakumbi apha ngezantsi:

• Zizwe: Okokuqala, sinalo olu hlobo lokudluliselwa olubandakanya zonke ezo zenziwe ngaphakathi kwelizwe, zonke ezo zibhekwa njengelizwe.
• Amazwe ngamazwe: Zezo zenziwa ukusuka kwilizwe lakho ukuya kulo naliphi na elinye ilizwe lasemzini.
• Ezo zoMmandla woQoqosho waseYurophu: Ezi zizo ezinokuthi zenziwe ngaphakathi okanye ngaphandle kwento eyaziwa ngokuba yi-European Economic Area, into omele uyazi malunga nolu hlobo lwentengiselwano kukuba njengoko ishiya indawo yokusebenza yebhanki, kukho iikhomishini zokutshintshiselana ngemali kunye. indawo yejografi, ukongeza kwinto yokuba intengiselwano inokuthatha iintsuku ezimbalwa ukuba isebenze.
• IBhanki yaseSpain: Ibandakanya zonke iintlawulo ezenziwa leli qumrhu lebhanki, into enomdla kukuba ivumela ukwamkelwa ngokukhawuleza, ngoko kunokuqinisekiswa ukuba ukuba imali ifuneka ngokukhawuleza, iya kufumaneka. Oku kusebenza njengebhuloho phakathi kwamaziko ebhanki abandakanyekayo, ngoko ke ukuba umsebenzi wenziwa ngokusebenzisa le ndlela, kuya kubakho ukwanda okukhulu, kuba kufuneka kudlule kwiindawo ezininzi ukwenzela ukuba kuqhutywe ngokwanelisayo.
• Abahlali: Olu luhlobo lokudluliselwa olunokuthi lwenziwe kwakhona, ekubeni iikhomishini ezahlukeneyo zinokuhlawuliswa kubahlali kunye nabangengabo abahlali, oku kuyaziwa kwibhanki yaseSpain ngokuthi "i-euro engekhoyo yokuhlala", ngoko Kufuneka uhlawule ingqalelo ekhethekileyo kule nto.
• Iiodolo zentlawulo phesheya: Olu hlobo lokudluliselwa kwemali luye lwabonakala ngenxa yobuninzi bamazwe angaphandle angena kweli lizwe, abaphambukeli befuna ezinye iindlela zokukwazi ukuthumela imali kwiintsapho zabo, benze iibhanki zikhangele ezinye iindlela zokuququzelela ezi nkqubo zaba bantu.

Ngokuqinisekileyo, ukwenza lo msebenzi kuthetha ukuba ezinye iingongoma kufuneka zithathelwe ingqalelo, ezifana: ukwenzela ukuba kwenziwe lo msebenzi, abantu abathumela imali kufuneka babonise zonke iimpepha ezifunekayo zokuchongwa kwabo, ngaphezu kokuvavanywa kwemeko yabo yokufudukela kwelinye ilizwe. , ngokunjalo Kubaluleke kakhulu ukuba ibhanki ekuza kuthunyelwa kuyo imali ibandakanyeke kwibhanki yemvelaphi, ukongeza kwinto yokuba yonke intengiselwano kufuneka ibekwe phantsi kweliso elisemthethweni yimimiselo kazwelonke neyamazwe ngamazwe.

Eli nqaku lokugqibela kukuphepha ukuba imali egqithiselweyo inemvelaphi yolwaphulo-mthetho okanye yonke le nkqubo inikezelwa ukuba iqhube imali, okanye ukufihla imisebenzi yolwaphulo-mthetho, ngenxa yeso sizathu, iibhanki zicela ulwazi oluthile malunga nemvelaphi yemali kwaye umntu kuloo nto uthunyelwe kuwe.

Kusenokuba nomdla kuwe ukwazi isebenza njani i-crowdfunding, Yingakho sikumema ukuba uqhubeke ufunda inqaku esikushiya kwikhonkco yangaphambili, ngale ndlela, uya kuba nako ukwazi zonke iindlela zayo, iimpawu kunye nokunye okuninzi. Ukuba nalo lonke olu lwazi kunokuba luncedo kakhulu kuba asazi ukuba unokuba ukwimeko enzima nini kwaye ukuvula iphulo lomnikelo inokuba lolona khetho lwethu.

Sithetha ngeekhomishini

Ngoku kunokuba mnandi okanye kuyimfuneko ukuba ukwazi malunga nokuqokelela kweekhomishini xa udlulisa, kuba oku kukwahluko phakathi kokudluliselwa kunye nokudluliselwa, ngenxa yoko siza kuzama ukuphuhlisa encinci nganye yeeparameters ezithathelwa ingqalelo. :

Intengiselwano ngesandla

Ezi ziquka zonke ezo zenziwa ngokuthe ngqo kwiiofisi zetikiti zebhanki okanye amasebe, phantse rhoqo xa imisebenzi iqhutywe ngolu hlobo, ikhomishini yi-0,20% yemali epheleleyo yentengiselwano. Nangona kunjalo, kwimeko apho isixa okwenziwa ngaso umsebenzi sithetha ukuba i-0,20% ingaphantsi kwee-euro ezi-2, le mali iya kuhlawuliswa. Ngoko ke, sinokuthi kwimisebenzi engaphantsi kwe-euro eyi-2.000, i-euro e-2 iya kuhlawuliswa kwaye enkulu iya kuba yi-0,20 ehambelanayo.

Utshintshiselwano ngeefayile

Ifayile iyaziwa njengesicelo esenza iinkqubo ngokuzenzekelayo kunye nebhanki okanye i-cashier, ngale ndlela, isebenzisana ukuze zonke iinkqubo zebhanki ziqhutywe ngokukhawuleza kwaye kulula kakhulu. Oku kuluncedo kakhulu ngokukodwa kwiinkampani, ezenza iintlawulo zenyanga kubaxhasi okanye ukwenza i-billing, ngale ndlela, banokukhawuleza inkqubo, ngoko ke, kucetyiswa kakhulu ukuba oku kunjalo.

Ukuqhuba olu hlobo lomsebenzi, ibhanki icela ulwazi oluthile olufana negama elipheleleyo lomxhamli, inombolo ye-akhawunti, ingcamango yokuphumeza ukuthengiselana kunye nemali ethunyelwa ngaphandle, ngoko inkqubo efanelekileyo iqhutywe kwaye kule indlela akufunekanga uzikhathaze ngayo kwakhona, kuba inkqubo iyenza ngokwayo.

Nangona oku kuya kuxhomekeka kwibhanki apho wenza khona olu hlobo lwentengiselwano, kwiimeko ezininzi ikhomishini yi-0,10%. Nangona kunjalo, njengakwimeko yangaphambili, eyona mali iphantsi ekufuneka itsalwe ngomsebenzi ngamnye yi-euro eyi-1, ngoko ke, kuyo yonke loo misebenzi engaphantsi kwe-euro eyi-1000, ikhomishini ye-euro eyi-1 iya kuhlawuliswa kwaye kwiimeko eziphezulu ukuba iya kucinywa. isixa esihambelanayo se-0,10%.

Iintengiselwano ze-Intanethi

Oku kunokubangelwa kwiinketho ezintathu, eyona ndlela ilula kakhulu yokwenza ukudluliselwa, ngaphezu kweyona nto isetyenziswa kakhulu, kungekhona nje ngenxa yendlela yokusebenza, ngokukhawuleza kwaye ikhuselekile inkqubo, kodwa nangenxa yokuba ineendleko zekhomishini ezimiselweyo ze-0,10. % nokuba singakanani na isixa semali eyenziwe ngayo intengiselwano.

Ngokuqhelekileyo, zonke iibhanki zineepesenti zokusebenza ezifanayo, kwezi singabandakanya: BBVA, Bankinter, Cajas Rurales, Deutsche Bank, Barklay, La Caixa, Bancaja, phakathi kwabanye.

Kubalulekile ukuba uyazi ukuba kunokuhlala kukho okungafaniyo kwaye kukho ezinye iimeko apho ungasebenzisa isibakala sokunciphisa inani leekhomishini okanye nokuba ungahlawulisi nantoni na, oku kuya kuxhomekeka kwingcamango yokusebenza, umxhasi, phakathi abanye.. Yiyo loo nto kunokubaluleka ukuba ujonge kwibhanki yakho ukuba ungumntu onokuthi ufumane enye yezi meko zingaqhelekanga.

Siyathemba ukuba ngeli nqaku sikuncedile ukuba wazi wonke umahluko phakathi kokudluliselwa kunye nokudluliselwa, nangona kunjalo, ngolwazi oluthe kratya sikushiyela le vidiyo ilandelayo kuyo uya kufumana amanqaku ongezelelweyo esinokuthi singabinalo ithuba lokwabelana nawe. , yiyo loo nto sikumema ukuba uthabathe imizuzu embalwa kwaye ungayibona.