Ungakhetha kanjani phakathi kwe-akhawunti yokulondoloza kanye ne-akhawunti yokuhlola? Thola umehluko oyinhloko

Isibuyekezo sokugcina: 27/04/2023
Umbhali: USebastian Vidal

Isingeniso

Kuyo uhlelo lwebhange, kunezinhlobo ezimbili eziyinhloko zama-akhawunti anikezayo amakhasimende abo: i i-akhawunti yokonga kanye i-current account. Nakuba womabili engama-akhawunti asebhange, anezici ezihlukile, izinzuzo y imikhawulo. Kulesi sihloko, sizohlaziya umehluko obalulekile phakathi kokulondoloza nokubheka ama-akhawunti.

I-akhawunti yokonga

A i-akhawunti yokonga Kuyi- i-akhawunti yasebhange lokho kusetshenziswa ukubeka kanye nokugcina imali, ngenhloso yokuhola izintshisekelo isikhati eside. Lawa ma-akhawunti anikeza inani lenzalo eliphezulu kunalelo elinikezwa ku-akhawunti yokuhlola. Umkhawulo oyinhloko we-akhawunti yokulondoloza ukuthi ayikwazi ukusetshenziselwa ukwenza ukuthengiselana kwansuku zonke, njengezinkokhelo zezinsiza, ukuthenga ku-inthanethi noma ukudluliselwa kwemali.

Izinzuzo ze-akhawunti yokonga

  • Zuza inzalo kubhalansi ye-akhawunti yakho
  • Ukusebenza okuphezulu ukuthi ama-akhawunti amanje
  • Ukuvumelana nezimo ukwengeza noma ukukhipha izimali nganoma yisiphi isikhathi

I-current account

A i-current account es i-akhawunti yasebhange esetshenziselwa ukwenza ukuthengiselana kwansuku zonke, njengokuthenga ku-inthanethi, izinkokhelo zezinsiza, nokudluliswa kwemali. Le akhawunti ayinikezi lutho intshisekelo ebhalansi ye-akhawunti, kodwa ivumela ukuhoxiswa kwemali ngamasheke, amakhadi edebithi nama-ATM. Ama-akhawunti okuhlola ngokuvamile akhokhisa a imali yanyanga zonke ukuze kugcinwe i-akhawunti, kanye nokuthengiselana namasheke akhishiwe.

Okuqukethwe okukhethekile - Chofoza Lapha  Umehluko phakathi kwesithakazelo esilula nesihlanganisiwe

Izinzuzo ze-akhawunti yokuhlola

  • Ukufinyelela imali ngokushesha kanye nekhono lokwenza ukuthengiselana kwansuku zonke
  • Ikhono lokubhala amasheke futhi wenze izinkokhelo ku-inthanethi
  • Kulula ukuphatha izimali zesikhashana

Isiphetho

Kafushane, umehluko omkhulu phakathi kwe-akhawunti yokulondoloza kanye ne-akhawunti yokuhlola ungowayo inhloso. I-akhawunti yokulondoloza ihloselwe ukonga nokuthola inzalo, kuyilapho i-akhawunti yokuhlola isetshenziselwa imisebenzi yansuku zonke. Uma ukhetha phakathi kwe-akhawunti yokulondoloza noma i-akhawunti yokuhlola, kubalulekile ukucabangela izidingo zezimali abantu ngabanye futhi banqume ukuthi yini ebalulekile Kungcono kakhulu kuzo zonke izimo. Zombili izinketho zine izinzuzo zayo kanye nemikhawulo, kodwa ukukhetha i-akhawunti efanele kungakusiza ukuphatha kangcono imali kanye nokuzuza izinhloso zezezimali zesikhathi eside.