U-Adam Rose Hhayi kuphela uma izwe lezezimali libonakala libhajwe yimibandela enzima nezingibe, kodwa futhi uma ufuna inketho efanelekile ngempela ye-akhawunti yamanje, ikhadi lesikweletu noma mhlawumbe ukonga impesheni, zikhona lapha. amabhange.cz. Ububanzi bokunikezwayo kwabo, okubandakanya cishe zonke izikhungo zezezimali zasekhaya, kungenye yezinkulu kunazo zonke ezweni lethu, futhi ngokuhlanganiswa nokucubungula okucacile okungenhla, bangamela isibonakaliso esifanele esizokusiza endleleni yakho yokuthola okudingekayo. ulwazi noma ukuxazulula udaba oluthile, njengokuphetha isiqinisekiso esiyisibopho esiyisibopho, ukusungulwa kwe-akhawunti yokonga noma yokulondoloza izakhiwo nokunye okuningi.
Kungosi, ungaphequlula isichazamazwi esinwetshiwe samagama awusizo ngokufaka okungaphezu kuka-770 ngokulandelana kwezinhlamvu, thintana nesikhungo sezeluleko esiku-inthanethi ngombuzo noma ubuke izimpendulo zemibuzo esivele iphendulwe. Iwebhusayithi iphinde ihlanganise nenani lezindatshana ezihlelwe ngokwezihloko ezilungiselelwe abahleli nochwepheshe abanolwazi, ezibhekana nezenzakalo zamanje emhlabeni wezezimali nemikhiqizo yasebhange, isibonelo umehluko phakathi komshwalense wekhaya nempahla, ama-akhawunti okushintshaniswa kwamanye amazwe noma ukuthi ukutshala imali ku-bitcoin kuyafaneleka. .
Igalari yezithombe
Kukhona futhi izeluleko neziyalezo eziningi zokuxazulula izimo ezithile. Ngaphezu kokufinyelela ngemenyu ehlelwe kahle kakhulu, ungasebenzisa futhi umsebenzi wokusesha, imiphumela yawo ingaphinde ihlelwe ngokuya ngohlobo lombuzo ngokukhetha okuthunyelwe, ukuqhathanisa ngakunye, imikhiqizo ekhethiwe noma imibuzo ukuze uthole iseluleko. Ngakho-ke, uma sifaka umbuzo othi "imalimboleko nganoma yini", ukubuka kuqala kokuqhathaniswa kwemali mboleko engeyona inhloso, imibuzo eminingana ekhethiwe yesikhungo sezeluleko kanye nemikhiqizo ngokwayo izovela ngokushesha. Ngakho ukuthola okuqukethwe okufunayo kuqondile futhi kulula.
Ake sihlolisise izigaba ngazinye futhi ngaleyo ndlela siveze ububanzi bobubanzi be-banka.cz nokuthi yini engaxazululwa ngazo.
Izindlu ezibolekiwe
Kungakhathaliseki ukuthi sibheka ukutholwa kwezindlu ezithengiswayo njengokugcwaliseka kwekhaya lamaphupho noma ukutshalwa kwezimali okuzuzisayo, akuyona into encane, futhi lapho kuqaliswa uhlelo olunjalo, ngakho-ke kufanelekile ukunaka imininingwane nokugwema izingibe ezingase zibe khona.
I-Banky.cz inezinto eziningi ezinikezayo mayelana nalokhu, futhi ihlanganisa indawo yemali mboleko yezindlu ngokuningiliziwe. Ngale nto yokuqala, izinhlobo ezahlukene zezindlu zokubolekwa kwemali zivuleka phambi kwethu, okuhlanganisa umhlaba, ifulethi, ikotishi, ukwakhiwa kwendlu, ukwakhiwa kabusha noma izikweletu ze-American. Kulolu daba, ingosi ihlinzeka ngezinsizakalo zomeluleki wempahla mboleko, okungathintwa futhi ngosizo lwakhe ukuhambisa yonke inqubo phambili, bese kuba isibali, isiqhathaniso futhi isho nezimo ezibuyekeziwe zokuthola imali yokuthenga indlu ngo-2023, konke lokhu kulekelelwa ngemibandela eminingi ewusizo neziphakamiso zewebhusayithi yezihloko ezihlobene.
Ekuqaleni kwanoma yiziphi izinhlobo, sihlangabezana nencazelo emfushane elandelwa isibali esishiwo, lapho kungenzeka khona ukusetha inani lemali mboleko, isikhathi sokukhokha kanye nesikhathi lapho umuntu efuna ukusebenzisa izinhlelo zakhe. . Isayithi alizishayi indiva izici ezithile zobungozi ezifana nokukhululeka, indawo esendaweni yezikhukhula nokunye okunjalo, okuhle ukugxila kuzo. Ngesikhathi esifanayo, ixhuma ukunikezwa kokuhlukahluka kwe-mortgage komunye nomunye, iqhathanisa izihlobo futhi ngaleyo ndlela ikhulise ububanzi bokuzikhethela. Endabeni ye-mortgage ngefulethi ngalinye okungukuthi, ulwazi lwemali mboleko yendlu yendlu ephethwe ngasese, yokubambisana noma kamasipala kuphrojekthi yokuthuthukiswa ixhunywe komunye nomunye, kanye ne-mortgage yotshalomali yefulethi eliqashisayo.
Igalari yezithombe
Kuyafaneleka futhi ukuqaphela inketho eyingqayizivele yokuxoxisana ngemalimboleko ngendlela ye-inthanethi ye-mortgage banking, okukongela ukuvakashela amagatsha okuhlala isikhathi eside. Njengengxenye yale sevisi, abasebenzisi bangakwazi ukuqapha intuthuko emkhakheni wezindlu ezibolekiwe, ngenxa yalokho, uma kuvela izimo ezifanele, isiphetho sokuthola kabusha imali nakho kungabaluleka.
Ikhasi livala ngohlu lwemibuzo evame ukubuzwa kanye nezixhumanisi zama-athikili ahlobene kusayithi, okuyimodeli ewusizo kakhulu esihlangabezana nayo nayo yonke imikhiqizo.
Umshwalense
Inhloso yomshuwalense ukuvikela umnikazi wepholisi ezimweni ezithile angase ahlangabezane nazo. Nakuba umshwalense wezikweletu nomshwalense wezingozi uphakathi kwezinto ezisakazeke kakhulu, enye inhlobonhlobo yezingozi ivame ukunganakwa, nakuba imiphumela yazo ingabaluleka kakhulu. I-Banky.cz ihlanganisa cishe wonke amathuba, lapho ngaphezu kwalokho okushiwo inikeza umshwalense wokuhamba nokuphila, umshwalense, impahla, ikhaya, isikweletu noma izilwane. Ngesikhathi esifanayo, ekukhetheni sithola amagama ahlobene abalulekile afana nebhonasi, umcimbi wokulahlekelwa noma umnikazi wepholisi, lapho ukubuka kuqala okunamathiphu ezindatshana eziwusizo ezihlobene nesihloko kuboniswa.
Ekuqaleni kwekhasi ngalinye eliphathelene nomshuwalense, amaqiniso ayisisekelo ashiwo - ukuthi umshuwalense uyini nokuthi uhlanganisani, ahambisana nezibali kanye namafomu okuxhumana. Ngenxa yabo, ungathola ngokushesha ukubuka konke kwamahhala nokungabophezeli kokunikezwayo okunenzuzo kakhulu.
Igalari yezithombe
Uma sithatha umshwalense wezindlu njengesibonelo, iphothali iqala iqondise irekhodi mayelana nokuthi empeleni ihlanganisani futhi idonsela ukunaka ekudidekeni okuvamile komshwalense wasekhaya. Ngokusekelwe kulolu lwazi, umshini wokubala ngezinyathelo ezimbalwa unikeza ukukhetha kwedatha ebalulekile ukuze uqhathanise, lapho udinga ukungena khona, isibonelo: kungakhathaliseki ukuthi ifulethi noma indlu yomndeni, uma indawo ihlalwa unomphela, ukuzijabulisa noma esakhiwayo, futhi iphinde ikhombise impahla evelele yezakhiwo zokwakha, inani lephansi nezinye ezimbalwa. Kungenzeka futhi ukuthi ukhethe inani lakho esifuna ukuliqinisekisa isakhiwo, kodwa ngokusekelwe kudatha efakiwe, i-calculator inikeza izincomo ezifanele. I-Banky.cz ichaza ngokuningiliziwe ukuthi imishwalense yomonakalo wempahla ihlanganisa ini, kungani kufanele uqaphele ngokungawuhloniphi umshwalense, futhi ngesikhathi esifanayo weluleka ukuthi ungayithola kanjani inketho efanelekile kakhulu, yini ongayikhohlwa noma ukuthi ungawuthatha kanjani umshwalense ngokunethezeka. ekhaya lakho. Sengiphetha, isayithi linamathela kuhlelo lapho likhuthaza ukubheka imibuzo evame ukubuzwa futhi ligcwalise ngokukhethwa kwama-athikili.
Imalimboleko
Izimo lapho izimali zidingeka ngokushesha uma kuqhathaniswa akudingekile ukuba zilinganiselwe emshinini wokuwasha, isiqandisi, ibhoyili noma imoto efinyelele ekupheleni kokuphila kwazo ngokungalindelekile, kungaba ukuthenga okuhleliwe kwefenisha noma mhlawumbe ukulungiswa kwefulethi. Kulezi zimo nezinye ezifanayo, kwanele ukuvumela ingosi ikuqondise emalini ebolekiwe okuzoba enye indlela efanelekile futhi ezohambisana nemibono yethu. Amamodeli emalimboleko ezinkulungwane eziyi-100, 150, 200 kanye nezinkulungwane ezingama-500 ayatholakala, kanye nemalimboleko engeyona inhloso nenhloso.
Uma sigxila okokuqala ngokulandelana, okungukuthi isikweletu se-CZK 150, ngombono, siqala ithuba lokuzijwayeza ngezici eziyisisekelo, khona-ke singathola ngokushesha isithombe ngokufaka inani kanye nesikhathi sokukhokha, lapho singakwazi ke ukujwayela ukuthengwa kwezimpahla noma ububanzi bephrojekthi ehleliwe. Ngaphezu kwalokho, umhlahlandlela usiholela ezinkethweni zokubolekwa kwe-000 futhi ngokushesha ukhomba lapho kufanele khona ukunaka nokuthi yini okufanele uyigweme. Akukho ukushoda kwemiyalo yokuthi ungakhetha kanjani imali ebolekiwe evuma kakhulu ye-CZK 150 ngokuhambisana nemingcele esemqoka ngesisekelo okulungile ukuhlola okunikezwayo ngakunye. Izici ezifana nezimali zokukhokha ngaphambi kwesikhathi, amathuba okuhlehlisa izitolimende noma izinhlawulo zokukhokha sekwephuzile nazo azishiywa ngemuva.
Igalari yezithombe
Ngaphezu kwalokho, ingosi inikeza, isibonelo, ukuthi yimiphi imibhalo esizoyidinga ukuze sicutshungulwe nokuthi yini ebalulekile uma umfakisicelo ethola imali ebolekiwe. Okusele nje ukukhetha isixazululo esifaneleka kakhulu ngosizo lwesibali esibuyekezwa njalo esiqhathanisa imikhiqizo engaphezu kuka-30. Kungenzeka ukuhlela ngokwenyuka nokwehlayo ngokuya nge-APR, isitolimende noma inani eliphezulu lemalimboleko. Isixazululo se-inthanethi sinikezwa nge-banka.cz, futhi kulokhu kunezixhumanisi ezimbalwa ezindabeni ezikhuthazayo ezikhuluma ngesihloko kanye neminye imibuzo ehlobene nayo ephenduliwe.
U-Karty
Ngokusho kwephothali, singaqonda ikhadi lesikweletu njengemalimboleko engenayo inzalo esihlala sinayo, inqobo nje uma umnikazi wayo angayisebenzisa ngendlela efanele, ilebula elifanele, futhi ngokwenza inzuzo yalo ngeke yaziswa kuphela labo abahamba njalo. Esiqhathanisweni se-banky.cz, kunemikhiqizo engama-26 yalolu hlobo enethuba lokuhlunga liye phezulu naphansi kuye ngezindleko zokugcina ikhadi, inzalo, ukusetshenziswa kwemali okuncane nesikhathi esingenayo inzalo. Ngale ndlela, kulula kakhulu ukuthola umbono ocacile futhi, ngokusekelwe kukho, unqume ngokuqondile okunikezwayo okuhambisana nezidingo ezithile.
Igalari yezithombe
Lapha, iwebhusayithi ixosha ubandlululo oluthile futhi, ngaphakathi kwalesi sigaba, izinikezela ekukhanyiseni okuningiliziwe kwesimiso sokusebenza kanye nezici ezinhle zomkhiqizo. Ngesikhathi esifanayo, nokho, ayizigwemi izingibe zayo, lapho zonke izinzuzo nezingozi zibalwe ekhasini elihlukile elifinyeleleka kumenyu ebizwa ngokuthi Izinzuzo kanye nezingibe zekhadi lesikweletu.
Ama-akhawunti
Imisebenzi ehlobene nezinkokhelo zokuthenga ezitolo zezitini nodaka, izitolo ze-e-mail noma izicelo zamafoni, kanye nezindleko zamandla nezinye zokuphila, zenzeka ngama-akhawunti ethu asebhange, ngokuvamile athola imali engenayo kubaqashi noma izikhungo uhlobo lomholo wokugula ngakolunye uhlangothi. Namuhla, i-akhawunti yasebhange evamile cishe iyisidingo. Ingosi ye-banky.cz inikezela ngezinhlobo ezahlukahlukene zama-akhawunti, kufaka phakathi ama-akhawunti omfundi, ezingane kanye nabadala, kanye ne-premium, imali yangaphandle, ama-akhawunti aqinisekisiwe navikelwe.
Igalari yezithombe
Endabeni ye-akhawunti yamanje, singaqhathanisa futhi sihlele imikhiqizo engama-35 ngokwenyuka nehlayo ngokuya ngemibandela embalwa, njengezindleko zokuphatha, ukuhoxiswa ku-ATM yangaphandle, ithuba lokukhokha ngokushesha noma imali yokukhokha okuphumayo kumuntu wangaphandle. ibhange nge-inthanethi yasebhange. Lesi sibali sihambisana nolwazi olwakhiwe ngokucacile ekuqhathaniseni ama-akhawunti omqhele avamile, okuhlanganisa ukucaciswa kwawo kanye namathiphu ambalwa okukhetha elingcono kakhulu. Izeluleko zokuthi ungaqhubeka kanjani lapho ufuna ukumisa i-akhawunti ku-inthanethi, udlulisele kwelinye ibhange noma, ngokuphambene, udinga ukukhansela nakho kungaba usizo. Ngaphambi kokubuza imibuzo mayelana nensizakalo yokwelulekwa, sihlangabezana nohlu lwezinzuzo ezithile kanye nobubi bama-akhawunti amanje, lapho, ngokwesibonelo, lapho sisho inzalo engu-zero ezimweni eziningi, sithola ngokushesha isixhumanisi sokunikezwa kwama-akhawunti okonga lapho imali yamahhala. ingahlolwa.
Iyalondoloza
Lapho songa, sidala izimali ezigciniwe futhi izimali zethu ziyaziswa. Ingosi idingida lesi sihloko esigabeni esizinikezele, lapho ikhuluma ngokuhlukene ngemali yempesheni nokonga izakhiwo, amadiphozithi esikhathi esibekiwe nama-akhawunti okonga, okuhlanganisa ukubuka kwawo konke nokuqhathanisa.
Igalari yezithombe
Bangaba isibonelo esihle kakhulu ama-akhawunti okonga, esifika ngaso emshinini wokubala ngokuhlelwa ngezindlela ezimbili ngokwezinga lenzalo emazingeni ahlukene ebhalansi kuma-crown nama-euro, okuhambisana nengxoxo emfushane yokusebenza, izinhlobo nezimo kanye nezimali ezingaba khona zama-akhawunti okonga. . Lokhu kulandelwa izeluleko eziwusizo ezifana nokuthi: ungakhetha kanjani ukunikezwa okungcono kakhulu okwamanje noma indlela yokukhipha imali ku-akhawunti yokulondoloza. Nakulesi sikhathi, singafunda kokuhlangenwe nakho kwalabo abaphendukela esikhungweni sezeluleko, futhi phakathi kwezihloko esizohlangana nazo, isibonelo, umhlahlandlela wokonga imikhiqizo yezingane.
Uhlolojikelele lwamabhange, izinkampani zomshwalense nolunye ulwazi oluwusizo
Ngokungeziwe kokuqukethwe nemisebenzi eshiwo ngenhla, ingosi ibuye inikeze umbono wamabhange angasebenzisi eCzech Republic kuphela, kodwa naseSlovakia engumakhelwane, kanye nezinyunyana zezikweletu nezinhlangano ezinikeza imali mboleko engeyona eyebhange, ngenkathi uchofoza noma yiziphi izinto zizobonisa incazelo enemininingwane eyengeziwe.
Igalari yezithombe
Ngokukhetha isifunda, idolobha nesikhungo noma ngokuvumela ukufinyelela ezinsizeni zendawo kalula, ungakwazi futhi ukucinga amagatsha, ama-ATM kanye nemishini yokufaka imali noma ukubuka uhlu lwezikhwama zempesheni kanye nolwazi olubalulekile mayelana nendlela ezisebenza ngayo noma ukuthi zihluke kanjani. Uhlu lwezinkampani zomshuwalense emakethe yaseCzech nalo lucutshungulwa ngendlela efanayo.
Qalisa kabusha
I-Banky.cz ingosi yewebhu eyingqayizivele ebonakala ngezinga eliphezulu lokucaca, lapho inani elikhulu lolwazi olusesheka kalula lihlanganiswa nokuqhathaniswa kwemikhiqizo yezezimali kanye nohlu olukhangayo lwezinsizakalo, okuhlanganisa ne-online consultancy. Uma umuntu ebhekene nanoma yimuphi umbuzo ohlobene nezwe lezezimali, anganikeza isandla sokusiza futhi enze lula ukuqondiswa kodaba olunikeziwe ngendlela efinyeleleka kalula neqondakalayo.
