Izikhangiso
Ukukhetha ibhange elihlangabezana nezidingo ezithile kungaba yinselele. Lokhu kungenxa yokuthi abantu abahola kancane bavame ukubhekana nezithiyo ekufinyeleleni izinsizakalo zezimali zendabuko. Ukufakwa kwezimali akukhona nje ukuba ne-akhawunti yasebhange. Ngakho-ke, abasebenzisi kudingeka bakwazi ukufinyelela ezinsizakalweni ezithengekayo, eziqondakalayo futhi, ngaphezu kwakho konke, eziwusizo ekuphileni kwansuku zonke.
Kulo mongo, amanye amabhange agqame ngokuhlinzeka ngezinsizakalo ezihambisana nezidingo zabantu abahola kancane, okuhlanganisa izakhamuzi zemiphakathi nezasemijondolo, lapho ukufinyelela ezinsizakalweni ezivamile zamabhange kuvame ukuba nomkhawulo.
Ukukhetha ibhange elifanele kungenza umehluko omkhulu. Izinsizakalo ezifana nokuvula i-akhawunti mahhala, izimali eziphansi, ukufinyelela okulula ngezinhlelo zokusebenza zeselula kanye nosizo oluhambisana nezidingo zendawo kubalulekile. Ngaphezu kwalokho, izinhlelo zemfundo yezezimali kanye nokuhlinzekwa kwezimali ezincane zokubolekwa kuyizinsiza ezibalulekile ezisiza ukukhuthaza ukuzimela kwezezimali kanye nokuthuthuka komnotho. Ake sihlole ukuthi yiziphi izikhungo ezigqama kulo mkhakha nokuthi kungani.
Bona Okuningi: Ungakugwema kanjani ukukhwabaniswa lapho uthenga?
Ibhange egqama ekufakweni kwezezimali
Phakathi kwamabhange azuze ukwethenjwa yisigaba sabahola kancane, amathathu agqamile: Banco do Brasil, Caixa Econômica Federal kanye neBradesco. Lezi zikhungo zifana ngokuhlinzeka ngezinsizakalo ezifinyeleleka kalula nokuba khona ezindaweni ezinganakekelwa ngokwanele ngamabhange endabuko. I Banco do Brasil, ngokwesibonelo, ihlinzeka ngohlelo lwe-“BB Cidadania”, oluhlose ukukhuthaza ukufakwa kwezezimali ngezinsizakalo eziyisisekelo zamabhange kanye nemfundo yezezimali. I-Caixa Econômica Federal yaziwa ngokuphatha izinhlelo zomphakathi nokuhlinzeka ngama-akhawunti nezinsizakalo ezinemali ekhokhwayo encishisiwe. IBradesco, ngohlelo lwe-“Bradesco Expresso”, iletha izinsizakalo zamabhange ezindaweni ezikude, isebenzisana nezikhungo zezentengiselwano zendawo.
Izinsizakalo zamabhange ezihambisana nezidingo zendawo
Ngaphezu kokuhlinzeka ngezinsizakalo ezibalulekile, kubalulekile ukuthi amabhange aqonde futhi ahloniphe izici zamasiko nezenhlalo zomphakathi ngamunye. Lokhu kuhlanganisa ukuba nabameleli bendawo abazi iqiniso lempilo yezakhamuzi futhi abangahlinzeka ngesevisi eyenziwe ngokwezidingo zabo. Ubuchwepheshe nabo budlala indima ebalulekile, ngezinhlelo zokusebenza zebhange ezivumela ukwenza imisebenzi nokubheka ibhalansi ngokushesha nangokuvikelekile, ngaphandle kwesidingo sokuya egatsheni lebhange. Ngaphezu kwalokho, izinhlelo zezimali ezincane zingakhuthaza amabhizinisi amancane, zivuselele umnotho wendawo futhi zinikeze amathuba amasha omsebenzi nemali engenayo.
Ukukhetha ibhange elifanele kuyisinqumo esingaba nomthelela omkhulu empilweni yezezimali yomuntu. Kubantu abasezingeni eliphansi, kubalulekile ukuthi lokhu kukhetha kungagcini ngokucabangela amanani enzalo nezindleko, kodwa futhi kubheke ukufinyeleleka, ukuqonda izidingo zendawo kanye nokweseka ukuthuthukiswa komnotho womphakathi. Amabhange afana ne-Banco do Brasil, Caixa Econômica Federal kanye ne-Bradesco abonisile ukuthi kungenzeka ukuhlanganisa izinsizakalo zezezimali ezifinyeleleka kalula nezenzo ezikhuthaza ukubandakanywa nokuthuthukiswa komphakathi. Ngokukhetha elinye lala mabhange, amakhasimende awagcini nje ngokukhetha isikhungo sezezimali, kodwa futhi akhetha umlingani ozibophezele enhlalakahleni yawo nasekuqhubekeni kwawo kwezomnotho.
