Iibhanki zaseTurkey: iinkonzo zezemali zabaphambukeli - 2024

Ibhanki eTurkey: Intshayelelo yabafuduki

Ukunqumla imida ukuya kwilizwe elitsha, nokuba kungenxa yamathuba omsebenzi, inkcubeko entsha okanye ukonwabela ilanga nolwandle, luhambo olunika umdla. ITurkey, enembali etyebileyo kunye nembonakalo entle yomhlaba, itsala amawaka abaphambukeli abavela kwihlabathi liphela minyaka le. Kodwa nokuba kutheni ulapha, inye into eqinisekileyo: iinkonzo zemali ziyinxalenye ebalulekileyo yobomi bakho eTurkey. Ngethamsanqa, iibhanki zaseTurkey zibonelela ngoluhlu olubanzi lweenkonzo ezilungiselelwe abafuduki kunye nabangaphandle. Kweli nqaku siza kujonga ezinye zezi nkonzo kwaye zinokwenza njani ubomi bakho eTurkey bube lula.

Iintengiselwano zemali eTurkey: Uyivula njani iakhawunti yebhanki njengomphambukeli

Ukuvula iakhawunti yebhanki eTurkey njengomphambukeli kunokuba yinkqubo elula. Nanga amanyathelo oqhele ukuwalandela:

1. Khetha ibhanki elungileyo: Kukho iibhanki ezininzi eTurkey, kuquka iibhanki zamazwe ngamazwe. Phanda iibhanki ezahlukeneyo kunye neminikelo yazo ukukhetha eyona ifanele iimfuno zakho.
2. Amaxwebhu afunekayo: Uya kufuna la maxwebhu alandelayo ngesiqhelo:
   • Imvume yokuhlala okanye i-visa eqinisekisa ukuhlala kwakho ngokusemthethweni eTurkey.
   • Ipaspoti yakho okanye ikhadi lesazisi.
   • Inombolo yerhafu yaseTurkey (ungalibali ukufaka isicelo sale nto ukuba awunayo kakade).
3. Ndwendwela isebe lebhanki: Yiya kwisebe lendawo yebhanki oyikhethileyo. Yenza idinga kwangethuba ukuba kuyimfuneko.
4. Gcwalisa ifom yesicelo: Abasebenzi bebhanki baya kukunika ifom yesicelo ekufuneka uyigcwalise. Kule fomu unikezela ngolwazi lomntu siqu kunye neenkcukacha malunga nemeko yakho yokuhlala.
5. Ukuqinisekiswa kwesazisi: Uyakucelwa ukuba ubonise ubungqina bakho usebenzisa incwadana yakho yokundwendwela okanye ikhadi lesazisi. Abasebenzi bebhanki baya kwenza ikopi yamaxwebhu akho.
6. Ukuqinisekiswa kwemvume yakho yokuhlala: Ibhanki iya kujonga iphepha-mvume lakho lokuhlala okanye i-visa ukuqinisekisa ukuba ukwilizwe ngokusemthethweni.
7. Ukutyikitya isivumelwano: Uya kutyikitya isivumelwano nebhanki esibeka imiqathango nemiqathango ye-akhawunti.
8. Ubuncinci idiphozithi: Ezinye iibhanki zinokufuna idipozithi encinci ukuvula iakhawunti. Qinisekisa ukuba uyazifezekisa ezi mfuno.
9. Ukufumana iinkcukacha zeakhawunti yakho: Emva kokuqinisekisa ngempumelelo kunye nokumisela i-akhawunti yakho, uya kufumana iinkcukacha ze-akhawunti yakho, kuquka inombolo ye-akhawunti kunye ne-IBAN (Inombolo ye-Akhawunti yeBhanki yamazwe ngamazwe).
10. Seta ibhanki ye-intanethi: Ngokwesiqhelo unokuseta ibhanki ye-intanethi ukulawula iakhawunti yakho kwi-Intanethi kwaye wenze udluliselo.

Kuyacetyiswa ukuba uqhagamshelane nebhanki ekhethiweyo kwangaphambili okanye undwendwele iwebhusayithi yabo ukufumanisa ukuba zeziphi iimfuno zabo kunye namaxwebhu. Inkqubo inokwahluka ngokuxhomekeke kwibhanki, kodwa ngokubanzi amanyathelo angasentla kufuneka akuncede uvule i-akhawunti yebhanki eTurkey.

Vergi Kimlik Numarası: Le yindlela ofaka ngayo inombolo yakho yerhafu yaseTurkey njengomphambukeli eTurkey

Ukufaka isicelo senombolo yerhafu yaseTurkey, eyaziwa ngokuba yi "Vergi Kimlik Numarası" ngesiTurkey, linyathelo elibalulekileyo ukuba ufuna ukuqhuba ishishini okanye imisebenzi yezemali eTurkey. Nanga amanyathelo onokuthi uwalandele xa ufaka isicelo senombolo yerhafu yaseTurkey:

1. Ndwendwela i-ofisi yerhafu yasekuhlaleni: Kufuneka uye ngokwakho kwi-ofisi yerhafu yendawo (Vergi Dairesi) kwindawo ohlala kuyo okanye ucwangcise ukuqhuba imisebenzi yezoshishino. Unokufumana iindawo zeeofisi zerhafu kwiwebhusayithi yeSebe lezeMali laseTurkey okanye ngokukhangela kwi-intanethi.
2. Lungiselela amaxwebhu: Ngaphambi kokuba uye kwi-ofisi yerhafu, kufuneka ulungiselele la maxwebhu alandelayo:
   • Ipaspoti yakho okanye ikhadi lesazisi.
   • Imvume yakho yokuhlala okanye i-visa eqinisekisa ukuhlala kwakho ngokusemthethweni eTurkey.
   • Isiqinisekiso sobhaliso (Adres Kayıt Belgesi) njengobungqina bedilesi yakho eTurkey. Ungafumana oku kugunyaziwe wabemi bengingqi (Nüfus Müdürlüğü).
3. Gcwalisa ifom yesicelo: Kwi-ofisi yerhafu uya kufumana ifomu yesicelo senombolo yerhafu. Kufuneka ugcwalise le fom ngononophelo kwaye unikeze lonke ulwazi olufunekayo.
4. Ukungeniswa kwesicelo: Ngenisa ifom yesicelo egcwalisiweyo kunye namaxwebhu akhankanywe ngasentla kwi-ofisi yerhafu. Abasebenzi baya kujonga amaxwebhu akho kwaye baqhube isicelo sakho.
5. Ixesha lokulinda: Ixesha lokuqhuba lokufumana inombolo yerhafu yaseTurkey linokwahluka, kodwa kudla ngokuthatha iintsuku ezimbalwa ukuya kwiiveki de ufumane inombolo yakho yerhafu.
6. 6. Ukufumana inombolo yerhafu: Nje ukuba isicelo sakho samkelwe, uya kufumana inombolo yakho yerhafu yaseTurkey ngembalelwano okanye nge-elektroniki. Le nombolo iyafuneka ukuqhuba ishishini okanye iintengiselwano zemali eTurkey.

Kubalulekile ukuqinisekisa ukuba unawo onke amaxwebhu ayimfuneko kunye nolwazi olulungiselelwe ngaphambi kokuya kwiofisi yerhafu ukukhawulezisa inkqubo yesicelo. Qaphela ukuba iimfuno ezichanekileyo kunye neenkqubo zinokwahluka ngokuxhomekeke kwisimo sakho sokufudukela kwelinye ilizwe kunye nabasemagunyeni berhafu yendawo. Kuyacetyiswa ukuba ujonge kwabasemagunyeni irhafu yendawo okanye iwebhusayithi yoMphathiswa wezeMali waseTurkey kwangaphambili ngeemfuno kunye neenkqubo zangoku.

Ukhuseleko lwezezimali eTurkey: Zikhuselekile kangakanani iibhanki zaseTurkey kubaphambukeli?

Ukhuseleko lweebhanki zaseTurkey luxhomekeke kwizinto ezahlukeneyo kwaye ngokuqhelekileyo zibhekwa njengezinzile kwaye zikhuselekile. Nazi ezinye izinto ezichaphazela ukhuseleko lweebhanki zaseTurkey:

1. Ummiselo kunye nokubeka iliso: Iibhanki zaseTurkey ziphantsi kolawulo kunye nolawulo nguGunyaziwe weBhanki waseTurkey (Bankacılık Düzenleme ve Denetleme Kurumu, BDDK) kunye neBhanki Enkulu yeRiphabhlikhi yaseTurkey (Türkiye Cumhuriyet Merkez Bankası, TCMB). La maziko amisela imigangatho nemimiselo engqongqo kwicandelo leebhanki ukuqinisekisa uzinzo kunye nokhuseleko lweemalike zemali.
2. Ukhuseleko lwediphozithi: I-Turkey inenkqubo ye-inshurensi yediphozithi ekhusela iidiphozithi zabathengi kwiibhanki zaseTurkey. Oku kuthetha ukuba kwimeko yokutshona kwebhanki okanye ukuwa kwemali, iidiphozithi zabathengi zikhuselwe ukuya kuthi ga kwixabiso elithile. I-inshurensi yediphozithi idla ngokuba yi-100.000 yelira yaseTurkey ngomthengi ngamnye kwibhanki nganye.
3. Uzinzo kwicandelo lebhanki laseTurkey: Icandelo lebhanki laseTurkey libonakalise ukuba lomelele kwiminyaka yakutshanje kwaye ligcinwe lizinzile ngamaxesha obunzima. Olu luphawu lokomelela nokomelela kweli candelo.
4. Imigangatho yamazwe ngamazwe: Iibhanki ezininzi zaseTurkey zithobela ukhuseleko lwamazwe ngamazwe kunye nemigangatho yokuthotyelwa. Ezinye iibhanki ezinkulu zaseTurkey nazo zisebenza kumazwe ngamazwe kwaye ziphantsi kolawulo lwehlabathi kunye neendlela zolawulo.
5. Ukhuseleko kwi-Intanethi: Uninzi lweebhanki zaseTurkey zibonelela ngeenkonzo zebhanki kwi-Intanethi kwaye zincamathele ukubaluleka okukhulu kukhuseleko lwentengiselwano kwi-Intanethi. Baphumeza imilinganiselo yokhuseleko oluphezulu olunjengokufihlakala kunye nokuqinisekiswa kwezinto ezimbini ukukhusela idatha yabathengi babo.

Nangona la manyathelo okhuseleko, kuhlala kucetyiswa ukuba wenze uphando olucokisekileyo kwaye ufumane malunga nodumo lwabo kunye nokuzinza ngaphambi kokukhetha ibhanki. Kwakhona kubalulekile ukukhathalela ukhuseleko lwakho lobuqu ngokugcina iinkcukacha zakho zebhanki kunye neenkcukacha zokungena ziyimfihlo kwaye uzikhusele kubuqhophololo.

Ngokubanzi, iibhanki zaseTurkey zibhekwa njengekhuselekile kwaye zithembekileyo, kodwa njengazo zonke izigqibo zemali, kubalulekile ukuqwalasela iimfuno zomntu ngamnye kunye nokunyamezela umngcipheko kwaye uqhagamshelane nabalawuli abafanelekileyo ukuba unayo nayiphi na inkxalabo.

Ibhanki eTurkey: IiBhanki ezidumileyo zabafuduki kunye nabangaphandle

Kukho iintlobo ngeentlobo zeebhanki eTurkey, kubandakanywa neebhanki zelizwe kunye nezamazwe ngamazwe. Ukuthandwa kweebhanki phakathi kwabafuduki kunye nabangaphandle kunokwahluka kumntu nomntu, kuxhomekeke kwiimfuno kunye nokukhethwa komntu. Nangona kunjalo, nazi ezinye zeebhanki zaseTurkey ezaziwa kakhulu ezihlala zithandwa phakathi kwabafuduki kunye nabangaphandle:

1. Ibhanki yeZiraat: IZiraat Bankası yeyona indala kwaye yenye yeebhanki ezinkulu eTurkey. Inika uluhlu olubanzi lweenkonzo zemali kwaye inamasebe kwizixeko ezininzi kwilizwe lonke.
2. Türkiye İş Bankası: I-Türkiye İş Bankası, okanye ngokulula i-İşbank, yenye yeebhanki ezinkulu nezindala eTurkey. Inika iinkonzo ezibanzi kwaye inobukho bamazwe ngamazwe.
3. Isiqinisekiso se-BBVA: I-Garanti BBVA yibhanki ehamba phambili yaseTurkey kunye ne-subsidiary yeQela le-BBVA. Iyaziwa ngobuchwephesha bayo obutsha kunye nenkonzo yabathengi kwaye ifumene iimbasa zamazwe ngamazwe.
4. Akbank: I-Akbank yenye yeebhanki ezinkulu zabucala eTurkey kwaye inika uluhlu olubanzi lweenkonzo zemali kubantu kunye neenkampani.
5. Yapı Kredi Bankasi: I-Yapı Kredi yenye ibhanki enkulu yaseTurkey kwaye ibonelela ngeenkonzo zebhanki kunye nezemali kuluhlu olubanzi lwabathengi.
6. I-DenizBank: I-DenizBank yinxalenye yeqela le-Sberbank yamazwe ngamazwe kwaye inikezela ngeenkonzo ezahlukeneyo zebhanki kubantu kunye neenkampani.
7. HSBC Turkiye: I-HSBC yibhanki yezizwe ngezizwe ekwasebenza eTurkey. Inika iinkonzo ezikhethekileyo kubathengi bangaphandle kwaye inobukho bamazwe ngamazwe.
8. Citibank Turkiye: I-Citibank yibhanki yamazwe ngamazwe ekwasebenza eTurkey kwaye inikezela ngeenkonzo zebhanki kubathengi bangaphandle.

Ukhetho lwebhanki luxhomekeke kwizinto ezahlukeneyo, kuquka iimfuno zakho zobuqu, iindawo zesebe lebhanki ozikhethayo, iinkonzo ezibonelelwayo kunye nezakhiwo zentlawulo. Ngaphambi kokukhetha ibhanki, kuyacetyiswa ukuba uthelekise izibonelelo kunye neemeko zeebhanki ezahlukeneyo kwaye ufumane malunga neenkonzo zabo ukuze ukhethe eyona ihambelana neemfuno zakho.

Iibhanki zaseTurkey: amaxesha okuvula kunye notyelelo lwesebe lwenziwe lula

Iiyure zokuvula ibhanki yaseTurkey zinokuhluka ukusuka kwibhanki ukuya kwibhanki kunye nesebe ukuya kwisebe. Nangona kunjalo, kukho izikhokelo eziqhelekileyo ezisebenza kwiibhanki ezininzi eTurkey:

1. Intsuku zosuku: Iibhanki ezininzi zivula ngoMvulo ukuya ngoLwesihlanu.
2. Iiyure zokuvula kusasa: Iiyure zokuvulwa kweebhanki kusasa zidla ngo-9:00 a.m. ukuya ku-12:00 p.m.
3. Ikhefu lokutya: Iibhanki ezininzi ziyavala ngexesha lesidlo sasemini, elidla ngokuqala ngo-12:00 p.m. ukuya ku-13:30 p.m.
4. Amaxesha okuvula emva kwemini: Iiyure zasemva kwemini ngokuqhelekileyo ziqala ngo-13:30 p.m. zize ziqhubeke de kube ngu-17:00 p.m. okanye ngo-17:30 p.m.
5. UMgqibelo: Ezinye iibhanki zikwavulwa ngentsasa yangoMgqibelo, ngokuqhelekileyo ukususela ngo-9:00 kusasa ukuya kutsho ngo-12:00 p.m. Nangona kunjalo, oku akunjalo kuzo zonke iibhanki.
6. ICawe: Iibhanki ezininzi zivaliwe ngeCawe.

Kubalulekile ukuqaphela ukuba ezi yure zokuvula zisebenza njengezikhokelo eziqhelekileyo kwaye zinokuhluka ngebhanki, ummandla kunye nesebe. Ezinye iibhanki ezinkulu kunye namasebe kwimimandla yasezidolophini zinokunika iiyure zokuvula ezinde, ngelixa amasebe amancinci kwiindawo ezisemaphandleni anokuba neeyure ezimfutshane zokuvula.

Ukuba ufuna ukutyelela ibhanki ethile okanye isebe elithile, ndincoma ukujonga iiyure zokuvula ngqo kwangaphambili, mhlawumbi kwiwebhusayithi yebhanki okanye ngokubiza isebe ngokuthe ngqo. Oku kuqinisekisa ukuba ukwindawo elungileyo ngexesha elifanelekileyo lokwenza ibhanki yakho.

Fazit:

Ukuba ufika eTurkey njengomphambukeli, unokuthemba ukuba iibhanki zaseTurkey zibonelela ngeenkonzo zemali ezilungiselelwe iimfuno zakho. Ukusuka kwiiakhawunti ezisisiseko kunye namakhadi ukuya kwiingcebiso ezibanzi zemali, iibhanki ezilapha zizinikele ekwenzeni ubomi bakho eTurkey bube lula kwaye bonwabe kangangoko. Ngokukhetha iinkonzo ezifanelekileyo kunye nokusebenzisa ezona zibonelelo zibalaseleyo, unokwenza ikamva lakho lezemali liphumelele eTurkey. Nokuba uze apha emsebenzini, uhlala okanye uhamba, iibhanki zaseTurkey zilapha ukukunceda uqiniseke ukuba uziva usekhaya.