Ngaba iibhanki zemali zilungele yonke iminyaka?
Ewe, sineebhanki zemali ezifumanekayo kubantwana nakubantu abadala. Ngelixa ezinye iibhanki zemali zenziwe kunye nabantwana engqondweni, ezinye zineendlela zoyilo ezifanelekileyo kubantu abadala. Bhrawuza ingqokelela yethu ukufumana ibhanki yemali efanelekileyo kwiqela lakho leminyaka.
Ndiyikhetha njani ibhanki efanelekileyo yemali?
Xa ukhetha ibhanki yemali, cinga ngezinto ezinjengoyilo, ubungakanani kunye nokusebenza. Cinga malunga nokuba ufuna ibhanki ye-piggy yendabuko okanye uyilo olwahlukileyo noluyilayo. Ukongeza, jonga ubungakanani bebhanki yemali kunye nomthamo wayo wokubamba iingqekembe. Ukuba ufuna ibhanki yemali yomntwana, khetha enye eyonwabisayo kunye nemfundo. Kubantu abadala, khetha uyilo oluhambelana nesitayile sakho kwaye luhambelana neenjongo zakho zokonga.
Ndingayenza i-bhanki yam imali?
Ewe, uninzi lweebhanki zethu zemali zibonelela ngeendlela zobuntu. Jonga iinkcazo zemveliso okanye iifilitha ukufumana iibhanki zemali ezinokuthi zenziwe amagama, oonobumba bokuqala, okanye imiyalezo ekhethekileyo. Iibhanki zemali ezenzelwe wena zenza izipho ezigqwesileyo kwaye zinokongeza ukubamba ngokwakho kuhambo lwakho lokonga.
Ngaba iibhanki zemali azihambelani?
Uninzi lweebhanki zethu zemali zenziwe ngezinto ezomeleleyo kwaye zenzelwe ukumelana nokusetyenziswa rhoqo. Nangona kunjalo, kubalulekile ukubaphatha ngononophelo ukuthintela nakuphi na ukonakala ngengozi. Kulumkele ukulahla okanye ukonakalisa ibhanki yemali ukuqinisekisa ubomi bayo obude. Ukuba unayo nayiphi na inkxalabo malunga nebhanki ethile yemali, nceda ujonge kulwazi lwemveliso okanye ufikelele kwinkxaso yabathengi.
Ngaba iibhanki zemali zinendawo yokutshixa okanye yokhuseleko?
Ngelixa ayizizo zonke iibhanki zemali ezineqhosha okanye ukhuseleko, ezinye ziza neendlela zokutshixa okanye ukudibanisa izitshixo ukubonelela ngokhuseleko olongezelelekileyo. Ukuba ukutshixa kubalulekile kuwe, qiniseka ukuba ujonga iinkcukacha zemveliso okanye usebenzise iifilitha ezibonelelweyo ukufumana iibhanki zemali ngale nto.
Ndiyifumana njani imali egciniweyo ebhankini?
Ukufikelela imali egciniweyo ebhankini kulula. Uninzi lweebhanki zethu zemali zibonisa isitopu esinokukhupha okanye iplagi esezantsi. Susa nje isitopu okanye iplagi, kwaye uya kukwazi ukufumana kwakhona imali oyigcinileyo. Ezinye iibhanki zemali zinokuba namanqaku ongezelelweyo okufikelela okanye amanqaku okufumana imali ngokulula. Jonga iinkcazo zemveliso okanye uphononongo lwabathengi ngemiyalelo ethile yokufikelela kwimali egciniweyo.
Ngaba iibhanki zemali ziyafumaneka ngobukhulu obahlukeneyo?
Ewe, sinikezela ngeebhanki zemali kwiisayizi ezahlukeneyo ukulungiselela iimfuno ezahlukeneyo. Nokuba ufuna i-compact bank yebhanki yedesika yakho okanye enkulu yekhaya lakho, uya kufumana ukhetho kwiisayizi ezahlukeneyo. Cinga apho ucwangcisa ukugcina ibhanki yemali kunye nendawo onayo, kwaye ukhethe ubungakanani obuhambelana neemfuno zakho.
Ndingathenga iibhanki zemali njengezipho?
Ngokuqinisekileyo! Iibhanki zemali zenza izipho ezigqwesileyo ngezihlandlo ezahlukeneyo. Ayisebenzi nje kuphela kodwa ikwanentsingiselo yokomfuziselo yokonga kunye nokuphila kakuhle kwezemali. Nokuba ufuna isipho somhla wokuzalwa, isipho sokuhlamba umntwana, okanye isipho sesikhumbuzo esikhethekileyo, ibhanki yemali inokuba lukhetho olunengcinga. Bhrawuza ingqokelela yethu ukufumana ibhanki yemali efanelekileyo kumamkeli wesipho.