Yintoni eyenza iBhanki yaseGaranti ikhetheke kangaka?
Yasekwa ngo-1946, iBhanki yaseGaranti ikhule yaba sisigebenga sokwenyani sezemali eTurkey. Ngoluhlu olubanzi lweenkonzo ezibandakanya iibhanki zokuthengisa, ukuboleka imali, ukubhanka kweshishini kunye nokunye, izenzele igama njengebhanki evelisa izinto ezintsha kwaye egxile kubathengi. Imbali yayo yenye yobuvulindlela kunye nokuziqhelanisa neemfuno ezihlala zitshintsha zabathengi, nto leyo eyenze ukuba ibe ngumdlali othembekileyo nonamandla kwiibhanki zaseTurkey.
Ndiyivula njani iakhawunti kwiBhanki yaseGaranti?
Ukuvula iakhawunti ngeBhanki yaseGaranti yinkqubo ethe ngqo, nokuba ungumntu walapha okanye undwendwe lwamazwe ngamazwe. Nantsi isikhokelo esilula ngenyathelo:
Inyathelo 1: Khetha uhlobo lweakhawunti
Okokuqala, thatha isigqibo sokuba loluphi uhlobo lweakhawunti olulungela iimfuno zakho. IBhanki yaseGaranti ibonelela ngee-akhawunti ezahlukeneyo eziquka ii-akhawunti zokujonga, ii-akhawunti zokonga, ii-akhawunti zoshishino kunye nee-akhawunti zekhadi letyala. Cinga malunga nento ofuna ukuyiphumeza ngeakhawunti kwaye ukhethe ngokufanelekileyo.
Inyathelo lesi-2: Tyelela isebe
Utyelelo lobuqu kwisebe linyathelo elilandelayo. Apha uya kufumana iingcebiso zobuqu kwaye unokucacisa yonke imibuzo yakho. Ungalibali ukuza nawo onke amaxwebhu ayimfuneko - ngokuqhelekileyo esi sisazisi sakho esisebenzayo kunye nobungqina bedilesi. Njengomphambukeli, ubungqina bephepha-mvume lakho lokuhlala nabo busenokufuneka.
Inyathelo lesi-3: Gcwalisa uxwebhu lwesicelo
Kwisebe uya kucelwa ukuba ugcwalise iphetshana lesicelo. Qinisekisa ukunika lonke ulwazi ngokuchanekileyo nangokupheleleyo. Oku kubalulekile ukuphepha ukungaqondani kamva okanye ukulibaziseka.
Inyathelo lesi-4: Ukuba semthethweni
Kufuneka uzazise ngokuthi uveze isazisi esisebenzayo. Njengommi wangaphandle, unokufuna ukubonelela ngamaxwebhu ongezelelweyo, njengephepha-mvume lokuhlala.
Inqaku lesi-5: Einzahlung
Emva kokuba i-akhawunti yakho yamkelwe, uya kucelwa ukuba wenze idiphozithi yokuqala. Isixa sediphozithi sinokuhluka, ngoko jonga iimfuno ezithile zeBhanki yaseGaranti kwangaphambili.
Inyathelo lesi-6: Ukuqaliswa
Nje ukuba yonke into yenziwe, uya kufumana lonke ulwazi oluyimfuneko kunye namaxwebhu ukuze uvule iakhawunti yakho. Ungahlala uqalisa ukubhankisha kwi-intanethi ngoko nangoko kwaye wenze intengiselwano yakho yebhanki ngokulula naphi na.
Kubalulekile ukuqaphela:
- Iimfuno ezichanekileyo kunye neenkqubo zinokwahluka ngokuxhomekeke kuhlobo lwe-akhawunti kunye nendawo. Kuhlala kululuvo oluhle ukwenza uphando kwangaphambili.
- Ukubhankisha eTurkey njengomphambukeli kunokufuna amanyathelo ongezelelweyo okanye amaxwebhu. Jonga kwibhanki okanye uqhagamshelane newebhusayithi yabo ukuze ufumane imiyalelo ethile kubathengi bamazwe ngamazwe.
Ngala manyathelo uya kuba kwindawo entle yokuvula iakhawunti yakho entsha ngeBhanki yaseGaranti. Nokuba ufuna iakhawunti ngeendleko zakho zemihla ngemihla, ngeenjongo zoshishino okanye njengenxalenye yesicwangciso sakho sokuhamba, iBhanki yaseGaranti ikunika ukuguquguquka kunye neenkonzo ozifunayo ukuze ufezekise iinjongo zakho zemali eTurkey. Nqwenelela impumelelo!
Fumana ihlabathi lotyalo-mali kunye neBhanki yaseGaranti
IBhanki yaseGaranti ivula iingcango kwiindlela ezahlukeneyo zotyalo-mali. Nokuba ufuna ukhuseleko, ukukhula okanye ukwahluka, kukho into yakhe wonke umntu olapha:
Idiphozithi yexesha elimiselweyo: yonwabela ukhuseleko
Iidiphozithi zexesha elimiselweyo lukhetho lwakudala kuye wonke umntu ofuna ukutyala imali yakhe ngokukhuselekileyo kwaye ngaphandle komngcipheko omkhulu. Utyala imali yakho ixesha elimiselweyo kwaye ngembuyekezo ufumana inzala eqinisekisiweyo. Ilungile ukuba ufuna ukwazi ngokuthe ngqo ukuba yimalini oza kuyifumana ekupheleni kwekota.
Izinga lenzala yediphozithi yexesha eTurkey inokutshintsha rhoqo kwaye ixhomekeke kwizinto ezahlukeneyo ezifana nexesha le-deposit, ibhanki ethile kunye neemeko zoqoqosho ezikhoyo. Umgaqo-nkqubo webhanki ephakathi, ukulindela ukunyuka kwamaxabiso kunye neemeko zemarike nazo zinempembelelo enkulu kwimilinganiselo yenzala.
Ukufumana olona lwazi luhlaziyiweyo kunye nolwazi oluchanekileyo, kukulungele ukujonga iiwebhusayithi zebhanki zaseTurkey ngokuthe ngqo okanye uqhagamshelane neebhanki ngezibonelelo ezithile. Iiwebhusayithi zihlala zibonelela ngendawo yeeakhawunti zediphozithi yexesha elimiselweyo, apho zidwelisa inzala yangoku enikezelwa ngokwemiqathango kunye neemali ezahlukeneyo.
Izabelo: Thatha inxaxheba kwimicimbi yemarike
Ngaba ufuna ukuthatha inxaxheba ngokuthe ngqo kwimicimbi yezoqoqosho? Ngokutyala imali kwizitokhwe kwiinkampani zaseTurkey nakwiinkampani zamazwe aphesheya, unokuxhamla ekunyukeni okunokwenzeka kwexabiso kunye nokuhanjiswa kwezabelo. Olu luhlobo lotyalo-mali olutshintshayo olukunika ithuba lokuthatha inxaxheba kuhlumo loqoqosho lwehlabathi.
Iibhondi: Khusela umvuzo oqhelekileyo
Iibhondi ziyindlela entle yokutyala imali kwingeniso yenzala eqhelekileyo. Nokuba ngurhulumente okanye ushishino, iibhondi zikunika ithuba lokuncedisa ipotfoliyo yakho ngembuyekezo ezinzileyo neqikelelekayo.
Ingxowa-mali: Sebenzisa ulwazi lwengcali
Ukuba ujonge ukwahlula utyalo-mali lwakho ngokubanzi, iingxowa-mali ezihlangeneyo zinokuba lukhetho olufanelekileyo. Ukulawulwa ngabaphathi bengxowa-mali abanamava, bakunika ukufikelela kuluhlu olubanzi lotyalo-mali, ukusuka kwizitokhwe ukuya kwiibhondi ukuya kumacandelo athile emarike.
Izindlu ezithengiswayo: Cinga ixesha elide
Utyalo-mali lwezindlu ezithengiswayo lunika ithuba lokunyusa ixabiso kunye nokuvelisa ingeniso yerenti. Nokuba amagumbi, indawo zorhwebo okanye ezinye iintlobo zepropathi, zinokwenza isiseko esiluqilima sepotfoliyo yakho kwaye zinikeze uzinzo lwexesha elide.
Iintsimbi ezixabisekileyo: iyantlukwano kwipotifoliyo
Iintsimbi ezixabisekileyo ezifana negolide kunye nesilivere ngokwesiko bezilutyalo-mali oludumileyo kwiipotfoliyo ezahlukeneyo kwaye zisebenza njengothango ngokuchasene nokunyuka kwamaxabiso okanye ukuguquguquka kwemali. Banikezela omnye umlinganiselo wokhuseleko kunye nokukhula kwisicwangciso sakho sotyalo-mali.
Ngolu khetho lubanzi lotyalo-mali, iBhanki yaseGaranti ikunika uluhlu olubanzi lweenketho zokufezekisa iinjongo zakho zemali. Jonga iinketho, thetha nabacebisi kwaye ukhethe isicwangciso sotyalo-mali esifanelana neenjongo zakho zobuqu kunye nokhetho lomngcipheko. Utyalo-mali olonwabileyo!
Kutheni iTurkey ibonelela ngenzala ePhakamileyo kubaGcini: Isishwankathelo
Inzala ephezulu kwiidiphozithi zexesha elimiselweyo eTurkey, kunye nenzala ephezulu ngokubanzi kwiintlobo ezahlukeneyo zotyalo-mali, ziziphumo zokudibanisa iimeko zoqoqosho kunye nezigqibo zomgaqo-mali. Nazi izizathu eziphambili:
- I xabiso: I-Turkey ifumene ukunyuka kwamaxabiso okuphakamileyo kwiminyaka yamuva nje. Ukuze kuliwe nokunyuka kwamaxabiso okanye kugcinwe imbuyekezo yokwenyani inomtsalane kubalondolozi, iibhanki zibeka inzala ephezulu. Izinga eliphezulu lenzala likwajoliswe ekukhuthazeni ukonga kunye nokunciphisa unikezelo lwemali, nto leyo inokuthoba izinga lokunyuka kwamaxabiso.
- Ukuguquguquka kwemali: I-lira yaseTurkey ilahlekelwe ixabiso ngokuchasene nezinye iimali kwixesha elidlulileyo. Inzala ephezulu inokunceda ukuzinzisa imali ngokutsala utyalo-mali lwangaphandle kunye nokwandisa imfuno ye-lira.
- umgaqo-nkqubo wezoqoqosho: I-Central Bank yaseTurkey ibeka amaxabiso enzala aphambili, nto leyo echaphazela inzala yediphozithi esisigxina kunye nezinye iindlela zotyalo-mali. Ngamanye amaxesha inzala ephezulu isetyenziswa njengesixhobo sokuzinzisa uqoqosho kunye nokwandisa ukuzithemba kwimali yelizwe.
- Umngcipheko wezoqoqosho: Izinga eliphezulu lenzala lihlala libonisa umngcipheko ophezulu obonwayo. Abatyali-mali kunye nabongi bafuna imbuyekezo ephezulu ngokuthatha imingcipheko efana nokungaqiniseki kwezopolitiko, ukungazinzi kwezoqoqosho okanye umgaqo-nkqubo wemali ongaqinisekanga.
Kubalulekile ukuqaphela ukuba ngelixa izinga eliphezulu lenzala linokuba nomtsalane kubalondolozi, banokunyusa iindleko zokuboleka kwaye ngoko bacothise utyalo-mali kunye nokusetyenziswa. Oku kunokuba ngumngeni kuqoqosho lwaseTurkey, oluqhutywa kukusetyenziswa kunye notyalo-mali. Ukongezelela, abatyali-mali kufuneka bahlale beqwalasela ubudlelwane phakathi komngcipheko kunye nokubuya, ngokukodwa kwimeko yezoqoqosho eguqukayo njengoko kudla ngokuba njalo eTurkey. Kuyacetyiswa ukuba ulandele iindaba zamva nje zoqoqosho kwaye, ukuba kuyimfuneko, ufune iingcebiso zeengcali ngaphambi kokuba wenze nasiphi na isigqibo sotyalo-mali.
Ukubhankisha kwi-Intanethi: lula ubusuku nemini
IBhanki yaseGaranti ithembisa uluhlu olutyebileyo lwezisombululo zebhanki zala maxesha ezijolise ekwenzeni ulawulo lwakho lwemali lube lula kwaye lusebenze kakuhle:
Amava okuguquguquka okuphezulu kunye neqonga lebhanki elibanzi leBhanki ye-Intanethi ye-Garanti. Lawula iiakhawunti zakho, wenze utshintshiselwano, ufake isicelo semali mboleko kunye nokunye - konke kwikhompyuter yakho okanye kwithebhulethi, nangaliphi na ixesha.
Amasebe: Inkonzo yobuqu kwilizwe lonke
Uxhamle kuthungelwano olubanzi lwesebe leBhanki yaseGaranti. Kumasebe amaninzi unokufumana iingcebiso zobuqu kwaye uxoxe ngazo zonke iintengiselwano zebhanki ngokuthe ngqo nabasebenzi.
Ii-ATM: Isoloko ikufuphi
Ngothungelwano oluxineneyo lwee-ATM kwilizwe lonke, iBhanki yaseGaranti ikunika ithuba lokutsala imali, ukwenza iidiphozithi okanye ukujonga ulwazi lweakhawunti nangaliphi na ixesha - ngokukhawuleza nangokulula.
Ibhanki ephathwayo: ibhanki yakho epokothweni yakho
Sebenzisa usetyenziso lwebhanki oluphambili lweBhanki yaseGaranti kwaye wenze utshintshiselwano lwakho lwebhanki ngokulula kwi-smartphone yakho. Nokuba ujonga ibhalansi yeakhawunti yakho, ukwenza utshintshelo okanye ukuhlawula amatyala - isixhobo sakho esiphathwayo siba lisebe lebhanki ephathwayo.
Ukubhankisha ngefowuni: Fowuna nje wenze
Ngenkonzo yebhanki yomnxeba ye-Garanti Bank, unokusingatha imicimbi yakho emininzi yebhanki ngokufowuna. Isisombululo esikhawulezayo nesisebenzayo kuyo yonke imibuzo yakho kunye neentengiselwano.
Intlawulo engaqhagamshelwanga: Ngokukhawuleza kwaye ikhuselekile
Sebenzisa itekhnoloji yentlawulo yangoku yeBhanki yaseGaranti. Ngokuchukumisa nje ngokukhawuleza ikhadi lakho kwi-terminal, iintlawulo zingenziwa ngemizuzwana - ngokukhuselekileyo nangococeko.
Ingxoxo yebhanki: inkxaso kwingxoxo
Inkonzo yebhanki yengxoxo entsha ikuvumela ukuba unxibelelane ngokuthe ngqo nomsebenzi webhanki ngokusebenzisa ijelo lengxoxo. Kungakhathaliseki ukuba imibuzo okanye intengiselwano - iinkxalabo zakho ziya kuqwalaselwa ngokukhawuleza kwaye ngokuthe ngqo.
Ngolu khetho luguquguqukayo lwebhanki, iBhanki yaseGaranti ibeka imigangatho emitsha kwinkonzo yabathengi kwaye iqinisekisa ukuba imicimbi yakho yemali inokulawulwa ngokutyibilikayo nangokulula kangangoko.
Ukubhankisha eTurkey: Iingcebiso eziluncedo kunye neengqwalaselo kubahambi kunye nokuThunyelwa
Nazi ezinye iingcebiso ezisebenzayo kunye neengqwalasela zokusebenzisa iibhanki zaseTurkey:
- Thelekisa unikezelo: Phambi kokuba uzibophelele, thelekisa iinkonzo, inzala kunye nemirhumo yeebhanki ezahlukeneyo ukuze ufumane esona sivumelwano silungileyo kwiimfuno zakho.
- Ulwazi lokuvula iakhawunti: Ziqhelanise nemithetho kunye neemfuno zokuvula iakhawunti kwaye ube nawo onke amaxwebhu ayimfuneko.
- Sebenzisa iinkonzo zedijithali: Zuza kwiibhanki ze-intanethi kunye neenkonzo zebhanki eziphathwayo ukulawula imali yakho naphi na.
- Lumka kwii-ATM: Lumka xa usebenzisa ii-ATM, ngakumbi kwiindawo zabakhenkethi, kwaye uqinisekise ukuba zizixhobo ezisemthethweni nezikhuselekileyo.
- Phonononga amathuba otyalo-mali: Phanda ngeendlela ezahlukeneyo zotyalo-mali ezibonelelwa ziibhanki kwaye ukhethe isicwangciso esihambelana neenjongo zakho.
- Khusela idatha yakho: Phatha iinkcukacha zakho zezemali ngononophelo kwaye usebenzise amagama ayimfihlo aqinileyo kunye nemilinganiselo yokhuseleko.
- Funa iingcebiso zengcali: Sebenzisa iinkonzo zokucebisa ngemali ukucwangcisa nokulawula utyalo-mali lwakho.
- ukhuseleko kuqala: Fumana malunga namanyathelo okhuseleko ebhankini yakho kwaye ulumkele ubungozi borhwaphilizo.
- Sebenzisa i-inshurensi: Phanda ngeenkonzo ze-inshorensi ezinokukhusela wena kunye nemali yakho.
- Zilumkele iintlawulo: Thelekisa imirhumo yeenkonzo ezahlukeneyo ezifana nokudluliselwa kwamanye amazwe okanye ukutsalwa kwemali kwii-ATM zangaphandle.
- Amathuba ehlabathi: Thatha ithuba kwiindlela zebhanki zamazwe ngamazwe ezikuvumela ukuba usebenze kwihlabathi jikelele.
- Sebenzisa amakhadi okuthenga ngetyala ngenkathalo: Qonda imigaqo yekhadi lakho letyala kwaye uphephe ukugqitha kumda wakho ukuze wonge iindleko kwaye ugcine amanqaku akho etyala.
- Sebenzisa ubugcisa obukhuselekileyo: Thatha ithuba lonikezelo olufana nezilumkiso zeSMS okanye utyikityo lweselfowuni ukulawula imali yakho ngokukhuselekileyo.
- Unikezelo kwiinkampani: Fumana malunga neenkonzo ezizodwa kunye nezibonelelo kumashishini amancinci naphakathi.
- Ngokulandela ezi ngcebiso, unokuqinisekisa ukuba amava akho ngeebhanki zaseTurkey agudileyo kwaye aluncedo kangangoko.
Ukufumana okuninzi kwiinkonzo zebhanki zaseTurkey, kubalulekile ukuphuhlisa ukuqonda okunzulu ngeminikelo yazo eyahlukeneyo kwaye uyithelekise ngononophelo. Ukufumana ibhanki echanekileyo kwiimfuno zakho kuthetha ukukala ngononophelo inzala, imirhumo kunye neenkonzo. Kwakhona kubalulekile ukuba uziqhelanise nemithetho ethile kunye neemfuno zokuvula i-akhawunti. Sebenzisa iinkonzo zebhanki ezikwi-intanethi kunye neselula ukulawula iimali zakho ngokufanelekileyo.
Omnye umba obalulekileyo kuphuhliso lwesicwangciso sotyalo-mali esiphucukileyo nesahlukeneyo. Oku kunceda ekusasazeni imingcipheko kunye nokwandisa amathuba okubuya okulungileyo. Ukongezelela, akufanele uzihoye iinkonzo ze-inshorensi ezinikezelwa ziibhanki. Ezi zinokubonelela ngokhuseleko olongezelelweyo lwemali yakho kwiimeko ezingalindelekanga okanye ezingxamisekileyo. Ngokuqwalasela le miba, unokwenza isigqibo esinolwazi kwaye wenze isiseko esiluqilima sezemali kwikamva lakho.
Imbali yeBhanki yaseGaranti: ukuveliswa kunye nokukhula ukususela ngo-1946
IBhanki yaseGaranti, ibhanki ephambili yaseTurkey, ineengcambu ezisusela ngo-1946. Ekuqaleni yaziwa ngokuba yiTürkiye Garanti Bankası, yasekwa ngaphakathi Ankara kwaye ukusukela ngoko ukhule waba lelinye lawona maziko makhulu kunye nawona matsha emali eTurkey nangaphaya.
Kumashumi eminyaka yokuqala, ibhanki igxile ekuboneleleni ngeemveliso zezimali kunye neenkonzo kumashishini amancinci nakubantu, igalelo kuphuhliso loqoqosho lwelizwe. Ngombono obeka phambili izinto ezintsha kunye nokwaneliseka kwabathengi, ibhanki yaqala ukwanda ngokukhawuleza, zombini ngokubhekiselele kwinethiwekhi yesebe kunye neentlobo zemveliso.
Ngexesha leminyaka yoo-1980 kunye no-1990, iBhanki yaseGaranti yafumana ixesha lotshintsho oluphawulwa kukuhambela phambili kwezobuchwepheshe kunye nokwanda kwiimarike zamazwe ngamazwe. Yayiyenye yeebhanki zokuqala zaseTurkey ukwazisa ukusebenza kwekhompyuter kunye neenkonzo zebhanki ze-Intanethi, eziziseka njengeziko eliphambili kwiibhanki zedijithali.
Iminyaka yoo-2000 iphawule isiganeko esibalulekileyo kwimbali yeBhanki yaseGaranti njengoko iye yomeleza isikhundla sayo ngokudityaniswa nokufunyanwa yaza yandisa unikezelo lwenkonzo yayo ngaphaya kwemida eqhelekileyo yeebhanki. Yazisa iimveliso ezintsha kunye neenkonzo ezilungiselelwe iimfuno ezahlukeneyo zabathengi, kubandakanywa iibhanki zokuthengisa, inkxaso-mali ye-SME, ibhanki yenkampani kunye nebhanki yotyalo-mali.
Ngaphandle kwemiceli mngeni yezoqoqosho yehlabathi neyengingqi, iBhanki yaseGaranti igcine uzinzo kunye nodumo lwayo njengeziko lezemali elithembekileyo. Ngokuzibophelela kwayo kwinkonzo yabathengi, izenzo ezizinzileyo kunye noxanduva lwentlalo, ibhanki ihlala ingumdlali ophambili kwimo yezemali yaseTurkey. Namhlanje, iBhanki yaseGaranti iqhubekile nesithethe sayo sokwenza izinto ezintsha, isoloko iqhelana neemfuno eziguqukayo kunye nokulindelwe ngabathengi bayo. Ihlala isisimboli samandla, ukuthembela kunye nokutsha kwilizwe lebhanki laseTurkey.
isiphelo
IBhanki yaseGaranti liziko elidibanisa isithethe kunye nemali yanamhlanje kwaye isoloko ibeka umthengi kwiziko. Iinkonzo zabo ezibanzi, uthungelwano olunabileyo lwesebe kunye nokhetho lotyalo-mali oluphambili lubenza babe lolona khetho luphezulu kuye nabani na ohambayo okanye owenza ishishini eTurkey. Nokuba ufuna ukhuseleko, ukukhula okanye iqabane elithembekileyo kwiimfuno zakho zemali, iBhanki yaseGaranti ifanele ukuqwalaselwa.
Ngesi sikhokelo sibanzi ukuxhotyiswe kakuhle ukuba uthathe ithuba leenzuzo zeBhanki yaseGaranti kwaye wonwabele uhambo lwakho eTurkey ngokupheleleyo. Zilungiselele i-adventure eya kuba tyebisa kungekuphela nje ngokwenkcubeko kodwa nangokwezemali!
Nceda uqaphele: Ulwazi olukwiwebhusayithi yethu lulungiselelwe iinjongo zolwazi ngokubanzi kuphela. Ayibandakanyi ingcebiso yezemali kwaye akufuneki kuxhomekeke kuyo. Asithatheli xanduva ngezigqibo ezenziweyo ngokusekelwe kolu lwazi. Kubalulekile ukuba usoloko ufuna iingcebiso zobungcali kumcebisi wezemali oqeqeshiweyo phambi kokuba wenze naziphi na izigqibo zemali. Asibandakanyi lonke uxanduva ngayo nayiphi na ilahleko okanye umonakalo ovela ngokuthe ngqo okanye ngokungathanga ngqo ekusebenziseni ulwazi lwethu.
