IVakıfBank yenye yeebhanki eziphambili zikarhulumente eTurkey kwaye ibonelela ngeenkonzo ezahlukeneyo kubathengi babucala nabeshishini. Ngoluhlu olubanzi lweemveliso zemali kunye neenkonzo ezibandakanya iiakhawunti, iimali-mboleko, utyalo-mali kunye ne-inshurensi, iVakıfBank yenye yeebhanki ezithembekileyo nezithembekileyo eTurkey. Ukuvula iakhawunti kulula kwaye kuthe ngqo, kwaye ibhanki ye-intanethi kunye neselula ivumela abathengi ukuba balawule ngokukhuselekileyo iimali zabo nanini na, naphi na.
Ukuvula iakhawunti ngeVakıfBank, kufuneka ulandele amanyathelo ambalwa:
- Khetha Uhlobo lweakhawunti: IVakıfBank ibonelela ngeendidi ezahlukeneyo zeeakhawunti njengeakhawunti yangoku, iakhawunti yokonga, iakhawunti yeshishini kunye neakhawunti yekhadi letyala. Khetha uhlobo lweakhawunti olulungela iimfuno zakho.
- Ndwendwela isebe: Ungavula iakhawunti ngeVakıfBank ngokundwendwela isebe lebhanki. Yiza nawo onke amaxwebhu afunekayo afana nesazisi, ubungqina bedilesi kunye nezaphulelo zokuhlawula.
- Gcwalisa ifom yesicelo: Ukuba ukwisebe, uya kucelwa ukuba ugcwalise iphetshana lesicelo. Qinisekisa ukuba zonke iinkcukacha zichanekile kwaye zizalisekile phambi kokuba usayine ifomu.
- Zazise: Ukuze uqinisekise ubuwena, uya kucelwa ukuba uveze isazisi esisebenzayo.
- Idiphozithi: Emva kokuba i-akhawunti yakho ivuliwe, kufuneka wenze idiphozithi encinci kwiakhawunti yakho.
- Ukuqaliswa: Uya kufumana umyalezo owamkelekileyo kunye nolwazi lokuvula iakhawunti yakho.
Kubalulekile ukuqaphela ukuba iimfuno kunye neenkqubo zokuvula iakhawunti ngeVakıfBank zinokwahluka ngokuxhomekeke kwindawo kunye nohlobo lweakhawunti. Kuyacetyiswa ukuba uphande iimfuno kunye neenkqubo kwangaphambili kwaye uqinisekise ukuba unawo onke amaxwebhu ayimfuneko kunye nolwazi ngaphambi kokutyelela isebe.
Njengomphambukeli, unokuvula iakhawunti ngeVakıfBank, kodwa inkqubo inokuba nzima ngakumbi kwaye kunokubakho iimfuno ezithile kunye nezithintelo.
Njengomphambukeli, unokuvula iakhawunti eVakıfBank ngokulandela la manyathelo:
- Khetha Uhlobo lweakhawunti: Njengoko bekutshiwo ngaphambili, iVakıfBank ibonelela ngeendidi ezahlukeneyo zeeakhawunti. Khetha uhlobo lweakhawunti olulungela iimfuno zakho.
- Ndwendwela isebe: Ungavula iakhawunti ngeVakıfBank ngokundwendwela isebe lebhanki. Yiza nawo onke amaxwebhu afunekayo afana nesazisi, ubungqina bedilesi kunye nezaphulelo zokuhlawula.
- Gcwalisa ifom yesicelo: Ukuba ukwisebe, uya kucelwa ukuba ugcwalise iphetshana lesicelo. Qinisekisa ukuba zonke iinkcukacha zichanekile kwaye zizalisekile phambi kokuba usayine ifomu.
- Zazise: Ukuze uqinisekise ubuwena, uya kucelwa ukuba uveze isazisi esisebenzayo kunye nephepha-mvume lokuhlala.
- Idiphozithi: Emva kokuba i-akhawunti yakho ivuliwe, kufuneka wenze idiphozithi encinci kwiakhawunti yakho.
- Ukuqaliswa: Uya kufumana umyalezo owamkelekileyo kunye nolwazi lokuvula iakhawunti yakho.
Kubalulekile ukuqaphela ukuba iimfuno kunye neenkqubo zokuvula iakhawunti eVakıfBank njengomntu wangaphandle zinokwahluka kumazwe ngamazwe. Kuyacetyiswa ukuba uphande iimfuno kunye neenkqubo kwangaphambili kwaye uqinisekise ukuba unawo onke amaxwebhu ayimfuneko kunye nolwazi ngaphambi kokutyelela isebe. Kukwangumbono olungileyo ukujonga nebhanki yakho ukuze uqiniseke ukuba ulandela onke amanyathelo ayimfuneko ukuze uvule iakhawunti.
IVakıfBank ibonelela ngamathuba otyalo-mali ahlukeneyo kubaxumi bayo, kubandakanya:
- Idiphozithi yexesha elimiselweyo: Indlela ekhuselekileyo nelula yokutyala imali apho ufumana inzala emiselweyo ngexesha elithile.
- Izabelo zamashishini ezingenanzala emisiweyo: Tyala imali kwizabelo zamashishini zaseTurkey nakwamanye amazwe ukuze uzuze kuxabiso olunokwenzeka kunye nezabelo.
- Iibhondi: Tyala imali kurhulumente kunye neebhondi zeshishini ukuze uthathe inzuzo yentlawulo yenzala rhoqo.
- Inkxaso-mali: Tyala kwiingxowa-mali ezahlukeneyo ezilawulwa ngabaphathi beengxowa-mali abanamava ukuze kuxutywe iipotfoliyo ezibanzi.
- Izindlu ezithengiswayo: Tyala imali kwizindlu nomhlaba ukuze uzuze kuxabiso kunye nomvuzo wokurenta.
- Iintsimbi ezixabisekileyo: Tyala imali kwiintsimbi ezixabisekileyo ezifana negolide kunye nesilivere ukuze uxhamle kuxabiso kunye nokwahluka kweepotifoliyo zakho.
Kubalulekile ukuqaphela ukuba utyalo-mali ngalunye luza nemingcipheko yalo kunye nembuyekezo enokubakho, ngoko ke kubalulekile ukuqwalasela ngononophelo iprofayili yomngcipheko/yomvuzo walo naluphi na utyalo-mali phambi kotyalo-mali. Kukwacetyiswa ukuba udibane nomcebisi wezezimali ukuze akuncede ubone esona sicwangciso silungileyo sotyalo-mali.
IVakıfBank ibonelela ngeendlela ezahlukeneyo zokubhankisha kwi-intanethi, amasebe kunye nee-ATM:
- UkuBhankisha kwi-Intanethi: IVakıfBank ibonelela ngeqonga lebhanki elibanzi kwi-Intanethi ukuze abathengi balawule iiakhawunti zabo, benze udluliselo, bafake izicelo zemboleko kunye nokunye.
- Amasebe: Ibhanki inamasebe amaninzi kwilizwe lonke apho abathengi banokuthetha buqu nabasebenzi bebhanki kwaye bafumane iinkonzo.
- Ii-ATM: I-VakıfBank inothungelwano olubanzi lwee-ATM kwilizwe lonke apho abathengi banokutsala imali, benze iidipozithi kwaye bajonge iinkcukacha zeakhawunti.
- Ibhanki ephathwayo: IVakıfBank ikwabonelela ngezicelo zebhanki eziphathwayo kubathengi, ebavumela ukuba balawule iiakhawunti zabo kwizixhobo zabo eziphathwayo.
- UkuBhankisha ngomnxeba: IVakıfBank ikwabonelela ngenkonzo yebhanki yomnxeba apho abathengi banokulawula iiakhawunti zabo kwaye bafumane iinkonzo ngefowuni.
- Iintlawulo ezingaqhagamshelwanga: I-VakıfBank ikwaphehlelele iintlawulo ezingaqhagamshelwanga, apho abathengi banokubamba amakhadi abo phezulu kwi-terminal ukwenza iintlawulo.
- I-Chat Banking: Ibhanki nayo iqalise inkonzo yebhanki yengxoxo, apho abathengi banokuxoxa ngezinto ezibaxhalabisayo kunye nomsebenzi ngokusebenzisa ijelo lengxoxo.
I-VakıfBank-Yonke into odinga ukuyazi malunga nebhanki ekhokelayo karhulumente yaseTurkey
IVakifbank yibhanki yaseTurkey ebonelela ngeemveliso ezahlukeneyo kunye neenkonzo kubathengi babucala kunye nabeshishini. Ngempahla iyonke ngaphezu kwe-80 yeebhiliyoni zeerandi, i-Vakifbank inamasebe angaphezu kwe-1.800 kunye ne-16.000 ATM eTurkey nakwamanye amazwe kwaye inikezela ngeenkonzo ezininzi zezemali ezibandakanya iimali-mboleko zabathengi, iimali-mboleko zezindlu, i-corporate financing, utyalo-mali kunye neenkonzo ze-inshorensi njenge-intanethi -IiNkonzo. kunye nebhanki ephathwayo.
I-Vakifbank yasekwa kwi-1954 kwaye inembali ende yophuhliso kunye nokutsha ukususela ngoko. Le bhanki igxile kakhulu kwinkxaso-mali yokungenisa nokuthumela kumazwe angaphandle kwaye inamasebe aliqela angaphandle ukwenza kube lula kubathengi bayo ukufikelela kwiimalike zemali kumazwe ngamazwe.
I-Vakifbank ikwabonelela ngeendlela ezininzi zotyalo-mali ezibandakanya iidiphozithi ezisisigxina, izitokhwe, iibhondi, iimali kunye ne-real estate. La mathuba otyalo-mali avumela abathengi ukuba batshintshe iipotifoliyo zabo zotyalo-mali kwaye bazuze kwimbuyekezo enokubakho kunye noxabiso.
Enye inkalo ebalulekileyo enikezelwa yiVakifbank liqonga lebhanki le-intanethi kunye neselula. Abathengi banokubeka iliso kwaye balawule iiakhawunti zabo kunye neemali nanini na, naphi na. Oku kubandakanya ukukwazi ukwenza udluliselo, ukujonga iibhalansi zeakhawunti, ukujonga iingxelo zekhadi letyala, kunye nokunye. IVakifbank ikwabonelela abathengi ngesicelo seselula esibavumela ukuba balawule iiakhawunti zabo kwizixhobo zabo eziphathwayo.
Inkonzo yabathengi yinxalenye ebalulekileyo yenkonzo ye-Vakifbank. Ibhanki ineqela labasebenzi abanamava nabaqeqeshiweyo abafumanekayo ukuphendula yonke imibuzo yabathengi kunye neenkxalabo. Abathengi banokuqhagamshelana nenkonzo yabathengi ngefowuni okanye incoko ephilayo.
Uphawu olwahlukileyo lweVakifbank bubukho bayo obuqinileyo kwiibhanki zokuthengisa kunye nenkxaso yayo kwizinto ezintsha kunye neteknoloji. Ibhanki ibonelela abathengi babucala ngenkxaso-mali kunye neenkqubo zenkonzo kwaye ixhasa iinkampani kwimimandla efana ne-fintech kunye ne-e-commerce.
Ngokubanzi, iVakifbank inikeza uluhlu olubanzi lweenkonzo zemali ezilungiselelwe iimfuno zabathengi babucala kunye nabashishini. Ngobukho obuqinileyo belizwe kunye namazwe ngamazwe, uluhlu olubanzi lwamathuba otyalo-mali kunye noluhlu olubanzi lwamaqonga ebhanki e-intanethi kunye neselula, i-Vakifbank yenza ukuba abathengi bayo balawule iimali zabo ngokulula nangokufanelekileyo. Ikwanayo nobukho bebhanki eyomeleleyo kwaye ixhasa ukusungulwa kunye nobuchwepheshe. I-Vakifbank nayo ixhalabele kakhulu malunga nezenzo zoshishino ezizinzileyo kunye noxanduva lwayo lwentlalo kwaye ithatha amanyathelo kule ndawo. Ukwagxile kakhulu kwi-Corporate Social Responsibility (CSR) kwaye uyasebenza kwimimandla efana nokusingqongileyo, imfundo kunye nemicimbi yezentlalo.
Amanye amandla eVakifbank luluhlu olubanzi lweemveliso kunye neenkonzo kubathengi beshishini. Ibhanki inikezela ngezisombululo zenkxaso-mali kwiinkampani zabo bonke ubukhulu kunye namashishini, kubandakanya ukuthunyelwa ngaphandle kunye nemali yeprojekthi. Ikwabonelela ngeenkonzo ezifana neengcebiso zemali kunye nolawulo lomngcipheko.
I-Vakifbank iphinda igxile kwizemali yamaSilamsi, inikezela ngeemveliso ezifana neSukuk kunye ne-mortgages yamaSilamsi.
Ngokubanzi, iVakifbank inikeza uluhlu olubanzi lweenkonzo zemali ezilungiselelwe iimfuno zabathengi babucala kunye nabashishini. Ngobukho obuqinileyo belizwe kunye namazwe ngamazwe, uluhlu olubanzi lwamathuba otyalo-mali kunye noluhlu olubanzi lwamaqonga ebhanki e-intanethi kunye neselula, i-Vakifbank yenza ukuba abathengi bayo balawule iimali zabo ngokulula nangokufanelekileyo.
Nanga amanye amacebiso kunye neengcebiso kwiibhanki zaseTurkey:
- Thelekisa izibonelelo ezivela kwiibhanki ezahlukeneyo ngaphambi kokuba ukhethe enye. Thelekisa inzala, imirhumo kunye neenkonzo ezibonelelwayo ukuqinisekisa ukuba ukhetha eyona ndlela ilungileyo kwiimfuno zakho.
- Fumana malunga nemimiselo kunye neemfuno zokuvula i-akhawunti. Qinisekisa ukuba unawo onke amaphepha afunekayo kunye namaxwebhu alungile phambi kokuvula i-akhawunti.
- Sebenzisa ibhanki ye-intanethi kunye neenkonzo zebhanki eziphathwayo ezinikezelwa ziibhanki zaseTurkey. Oku kukuvumela ukuba ulawule iimali zakho naphi na, nangaliphi na ixesha.
- Qaphela xa usebenzisa ii-ATM, ngakumbi kwiindawo zabakhenkethi. Ngalo lonke ixesha khangela ukuba umatshini usemthethweni kwaye uwusebenzise kuphela ukuba usetyenziswa yibhanki ethembekileyo.
- Fumana malunga namathuba otyalo-mali ahlukeneyo anikezelwa ziibhanki zaseTurkey. Khetha isicwangciso sotyalo-mali esihambelana neemfuno kunye neenjongo zakho.
- Lumka xa uphethe iinkcukacha ezibuthathaka zemali. Sebenzisa amagama ayimfihlo anamandla kwaye ukhusele iiakhawunti zakho ekufikeleleni okungagunyaziswanga.
- Sebenzisa iinkonzo zabacebisi bezemali ezinikezelwa ziibhanki zaseTurkey. Banokukunceda ukuba ulawule kakuhle imali yakho kwaye bakuncede uphumeze isicwangciso sakho sotyalo-mali.
- Fumana malunga namanyathelo okhuseleko athathwa ziibhanki zaseTurkey ukukhusela imali yakho kunye nolwazi lomntu. Qinisekisa ukuba ibhanki ikufundisa malunga neengozi zobuqhophololo kunye nokhuseleko olunokwenzeka.
- Sebenzisa iinkonzo ze-inshurensi ezibonelelwa ziibhanki zaseTurkey. Ezi zinokukunceda ukukhusela iimali zakho xa kukho ingozi okanye unxunguphalo.
- Fumana malunga nemirhumo ehlawulwa ziibhanki zaseTurkey ngeenkonzo zabo. Ezinye iibhanki zinemirhumo ephezulu yeenkonzo ezithile, ezifana nokudluliselwa kwamanye amazwe okanye ukutsalwa kwemali kwii-ATM zangaphandle. Thelekisa imirhumo ukuze uqiniseke ukuba ukhetha eyona ndlela inexabiso eliphantsi.
- Thatha ithuba lamathuba obonelelwa ziibhanki zaseTurkey ukulawula iimali zakho kunye notyalo-mali kwihlabathi liphela. Iibhanki ezininzi zaseTurkey zineenkxaso-mali kumazwe angaphandle kwaye zinika abathengi babo ithuba lokuvula iiakhawunti zamazwe ngamazwe kunye nokulawula iimali zabo kwihlabathi jikelele.
- Lumka xa usebenzisana namakhadi etyala akhutshwe ziibhanki zaseTurkey. Qinisekisa ukuba uyayiqonda imigaqo kunye neemeko zekhadi lekhredithi kwaye ugweme ukudlula umda wakho wekhredithi ukuze ugweme iintlawulo eziphezulu kunye nefuthe elibi kumanqaku akho ekhredithi.
- Thatha ithuba lamathuba abonelelwa ziibhanki zaseTurkey kwi-intanethi kunye nebhanki ephathwayo kwaye uthathe ithuba lokunikezela njengezaziso zeSMS okanye utyikityo lweselfowuni ukulawula imali yakho ngokukhuselekileyo.
- Fumana malunga neentengiso kunye neenkonzo zeebhanki zaseTurkey kumashishini amancinci naphakathi. Ezinye iibhanki zinezibonelelo ezikhethekileyo kunye neenkonzo zee-SME, ezinje ngemali-mboleko, inkxaso-mali kunye neengcebiso.
- Thatha ithuba lamathuba abonelelwa ziibhanki zaseTurkey kwi-intanethi kunye nebhanki ephathwayo kwaye uthathe ithuba lokunikezela njengezaziso zeSMS okanye utyikityo lweselfowuni ukulawula ngokukhuselekileyo imali yakho.
Kubalulekile ukuqonda izibonelelo ezahlukeneyo kunye neenkonzo ezinikezelwa ngamabhanki aseTurkey, kwaye kubalulekile ukuthelekisa izibonelelo ezivela kwiibhanki ezahlukeneyo ukwenzela ukuba wenze ukhetho olufanelekileyo kwiimfuno zakho. Okubaluleke ngokufanayo kukwazi imigaqo kunye neemfuno zokuvula i-akhawunti, kunye nokuqonda iminikelo yebhanki ye-intanethi kunye neselula eya kwenza kube lula kuwe ukulawula imali yakho. Kukwabubulumko ukusebenzisa indlela yotyalo-mali elungeleleneyo neyantlukwano ukuze unciphise umngcipheko nokwandisa amathuba embuyekezo, kunye nokuthabatha i-inshorensi yokukhusela imali yakho kwimeko yengozi okanye yonxunguphalo.
Qaphela: Ulwazi olunikezelweyo kwiwebhusayithi yethu lwenzelwe iinjongo zolwazi ngokubanzi kuphela kwaye alubandakanyi iingcebiso okanye iingcebiso malunga nezigqibo zemali. Asithatheli xanduva ngokuchaneka, ukugqibelela okanye ukufika ngexesha kolwazi olunikiweyo. Nceda usoloko ufuna ingcebiso kumcebisi wezemali oqeqeshiweyo phambi kokuba wenze naziphi na izigqibo zemali.
