Yintoni eyenza iYapı ve Kredi Bankası?
Yasekwa ngo-1944, iYapı ve Kredi izimise njengenye yeebhanki eziphambili eTurkey. Iyaziwa ngokusondela kwabathengi bayo, amandla okuvuselela kunye noluhlu olubanzi lweemveliso kunye neenkonzo zemali. Ibhanki isebenzela abathengi basekhaya nabamazwe ngamazwe kwaye inika izisombululo kubantu, amashishini amancinci naphakathi kunye namaqumrhu amakhulu.
Athini amaxesha okuvula?
Iiyure zokuvula ziyahluka kodwa zidla ngoMvulo ukuya ngoLwesihlanu ukusuka ngo-9:00 kusasa ukuya ku-17:00 p.m. Amanye amasebe nawo avulwa ngoMgqibelo, kodwa kusoloko kulumbono olungileyo ukujonga kwangaphambili.
Ndiyivula njani iakhawunti ngeYapı ve Kredi Bankası?
Ukuvula i-akhawunti kunye ne-Yapı ve Kredi Bankası yinkqubo engenazinkathazo kubantu basekhaya kunye nabatyeleli bamazwe ngamazwe. Nantsi isikhokelo senyathelo ngalinye:
Inyathelo 1: Khetha uhlobo lweakhawunti olufanelekileyo
Okokuqala, kufuneka ukhethe uhlobo lwe-akhawunti olulungele iimfuno zakho. I-Yapı ve Kredi Bankası inikeza uluhlu olubanzi lweeakhawunti ezibandakanya ukujonga ii-akhawunti, ii-akhawunti zokulondoloza, ii-akhawunti zeshishini kunye neeakhawunti zekhadi letyala. Cinga ukuba yeyiphi iakhawunti oyifunayo kwaye ukhethe ngokufanelekileyo.
Inyathelo lesi-2: Tyelela isebe
Inyathelo elilandelayo kukutyelela isebe. Apha uya kufumana iingcebiso zobuqu kwaye unokubuza yonke imibuzo yakho. Ungalibali ukuza nawo onke amaxwebhu ayimfuneko - ngokuqhelekileyo uya kufuna isazisi esisebenzayo kunye nobungqina bedilesi. Njengommi wangaphandle, iphepha-mvume lokuhlala lisenokufuneka.
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: Ukuchongwa
Kufuneka uzazise ngokuthi uveze isazisi esisebenzayo. Njengommi wangaphandle, amaxwebhu ongezelelweyo afana nephepha-mvume lokuhlala angafuneka.
Inqaku lesi-5: Einzahlung
Emva kokuba i-akhawunti yakho yamkelwe, uya kucelwa ukuba wenze idiphozithi yokuqala. Isixa sediphozithi sinokwahluka, ngoko kuyacetyiswa ukuba ujonge iimfuno ezithile zeYapı ve Kredi Bankası kwangaphambili.
Inyathelo lesi-6: Ukuqaliswa
Nje ukuba onke amanyathelo agqitywe, uya kufumana lonke ulwazi oluyimfuneko kunye namaxwebhu okuvula iakhawunti yakho. Kwiimeko ezininzi, ungaqala ukubhankisha kwi-intanethi ngoko nangoko kwaye wenze intengiselwano yakho yebhanki ngokulula naphi na.
Imiyalelo ebalulekileyo:
Iimfuno ezichanekileyo kunye neenkqubo zinokwahluka ngokuxhomekeke kuhlobo lwe-akhawunti kunye nendawo. Kuhlala kucetyiswa ukuba ufumane ulwazi kwangaphambili.
Njengommi wangaphandle onqwenela ukuvula i-akhawunti eTurkey, amanyathelo ongezelelweyo okanye amaxwebhu anokufuneka. Nceda uqhagamshelane nebhanki okanye kwiwebhusayithi yabo ukuze ufumane imiyalelo ethile kubathengi bamazwe ngamazwe.
Ngala manyathelo uya kulungela kakuhle ukuvula iakhawunti yakho entsha ngeYapı ve Kredi Bankası. Nokuba ufuna iakhawunti yokusetyenziswa kwemihla ngemihla, iinjongo zoshishino okanye njengenxalenye yocwangciso lwakho lokuhamba, iYapı ve Kredi Bankası ikunikeza ukuguquguquka kunye neenkonzo ozidingayo ukuze ufezekise iinjongo zakho zemali eTurkey. Nqwenelela impumelelo!
Fumana ilizwe lotyalo-mali ngeYapı ve Kredi Bankası
I-Yapı ve Kredi Bankası inikezela ngeendlela ezininzi zotyalo-mali olulungele lonke uhlobo lomtyali-mali. Nokuba ufuna ukhuseleko, ukukhula okanye ulwahlulo, uyakufumana ukhetho olufanelekileyo apha:
Idiphozithi yexesha elimiselweyo: yonwabela ukhuseleko
Iidipozithi zexesha elimiselweyo lolona khetho lufanelekileyo kwabo bafuna ukutyala imali yabo ngokukhuselekileyo kwaye ngaphandle komngcipheko. Utyala imali ethile ngexesha elimiselweyo kwaye ngembuyekezo ufumana inzala eqinisekisiweyo. Ngale ndlela uyazi kakuhle ukuba yimalini onokuyilindela ekupheleni kwekota.
Inzala yokufakwa kwexesha elimiselweyo eTurkey inokuhluka kwaye ixhomekeke kwizinto ezifana nexesha, ibhanki kunye nemeko yezoqoqosho yangoku. Umgaqo-nkqubo webhanki ephakathi, ulindelo lokunyuka kwamaxabiso kunye neemeko zemarike nazo zidlala indima ekumiseleni inzala.
Ukuhlala ufumana olona lwazi luhlaziyiweyo, sincoma ukuba undwendwele iiwebhusayithi zebhanki zaseTurkey okanye uqhagamshelane neebhanki ngokuthe ngqo ukubuza malunga nokunikezelwa okukhethekileyo. Uninzi lweebhanki lupapasha unikezelo lwenzala yemigangatho eyahlukeneyo kunye neemali kwiiwebhusayithi zabo.
Izabelo: Ukuthatha inxaxheba kwimicimbi yemarike
Ngaba ungathanda ukuthatha inxaxheba ngokuthe ngqo kwimicimbi yezoqoqosho? Ngokwenza utyalo-mali kwizabelo zeenkampani zaseTurkey nakwiinkampani zamazwe ngamazwe, unokuxhamla ekunyukeni okunokwenzeka kwexabiso kunye nolwabiwo lwezabelo. Olu luhlobo lotyalo-mali oluguqukayo olukunika ithuba lokuthatha inxaxheba kuhlumo loqoqosho lwehlabathi.
Iibhondi: Khusela umvuzo oqhelekileyo
Iibhondi zezona ndlela zibalaseleyo zokufumana umvuzo oqhelekileyo wenzala. Nokuba ngaba urhulumente okanye iibhondi zeshishini, zinokubonelela ngomthombo ozinzileyo nonokuqikelelwa wengeniso yepotfoliyo yakho.
Ingxowa-mali: Sebenzisa ulwazi lwengcali
Ukuba ujonge ukwahlula utyalo-mali lwakho ngokubanzi, iingxowa-mali ezihlangeneyo zinokuba lukhetho olufanelekileyo. Ezi zilawulwa ngabaphathi bengxowa-mali abanamava kwaye zinika ufikelelo kuluhlu olubanzi lotyalo-mali, ukusuka kwizabelo ukuya kwiibhondi ukuya kumacandelo emarike athile.
Izindlu ezithengiswayo: Cinga ixesha elide
Utyalo-mali lwezindlu ezithengiswayo lunika ithuba lokunyusa ixabiso kunye nokuvelisa ingeniso yerenti. Ingaba amagumbi, iipropati zorhwebo okanye ezinye iintlobo zepropathi, zinokudala isiseko esiluqilima sepotifoliyo yakho kwaye zinike uzinzo lwexesha elide.
Iintsimbi ezixabisekileyo: ukwahlukana 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 luhlu lubanzi lokhetho lotyalo-mali, i-Yapı ve Kredi Bankası ikunika iindlela ezahlukeneyo zokukhetha ukufezekisa iinjongo zakho zemali. Jonga olu khetho, dibana nabacebisi bethu kwaye ukhethe isicwangciso sotyalo-mali esifanelana neenjongo zakho zobuqu kunye nokhetho lomngcipheko. Ithamsanqa lokutyala imali!
Kutheni iTurkey ibonelela ngenzala ePhakamileyo kubaGcini: Isishwankathelo
Inzala ephezulu kwiidiphozithi zexesha elimiselweyo eTurkey, kunye nenzala ephezulu ngokubanzi kwiindidi ezahlukeneyo zotyalo-mali, zisisiphumo sokudityaniswa kweemeko zoqoqosho kunye nezigqibo zomgaqo-nkqubo wemali. Nazi ezinye zezizathu eziphambili:
- I xabiso: I-Turkey iye yahlangabezana nokunyuka kwamaxabiso aphezulu ngokuthelekisayo kwiminyaka yakutshanje. Ukunqanda oku kunyuka kwamaxabiso okanye ukutsala abo balondoloza imali, iibhanki zibeka inzala ephezulu. Ezi nzala ziphakamileyo zenzelwe ukukhuthaza ukonga nokunciphisa unikezelo lwemali, nto leyo enceda ekulweni nokunyuka 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: IBhanki Enkulu 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 nabalondolozi 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 ngumceli mngeni kuqoqosho lwaseTurkey, oluxhomekeke kakhulu kusetyenziso notyalo-mali. Abatyalo-mali kufuneka bahlale belinganisa umlinganiselo womngcipheko kunye nomvuzo, ngakumbi kwimeko yezoqoqosho eguqukayo njengeTurkey. Kucetyiswa ukuba ulandele iindaba zangoku zoqoqosho kwaye, ukuba kuyimfuneko, ufune iingcebiso zengcali ngaphambi kokuba wenze naziphi na izigqibo zotyalo-mali.
Ukubhankisha kwi-Intanethi: lula ubusuku nemini
I-Yapı ve Kredi Bankası imele uluhlu olubanzi lwezisombululo zebhanki eziphucukileyo ezilungiselelwe ukuxhasa ulawulo lwakho lwemali ngaphandle komthungo nangempumelelo:
Ngeqonga lebhanki eliphucukileyo le-Yapı ve Kredi Bankası, ukonwabela ukuguquguquka okuphezulu. Lawula iiakhawunti zakho, wenze utshintshiselwano, ufake isicelo semali mboleko kunye nokunye, nanini na, naphi na kwikhompyuter yakho okanye kwithebhulethi.
Amasebe: Inkonzo yobuqu kulo lonke ilizwe
Zuza kuthungelwano olubanzi lwamasebe kuzwelonke. Kulo lonke isebe laseYapı ve Kredi Bankası uya kufumana iingcebiso zobuqu kwaye unokwenza zonke iintengiselwano zakho zebhanki ngokulula.
Ii-ATM: Ndihlala ndikufutshane kuwe
I-Yapı ve Kredi Bankası iqinisekisa ukuba ufikelela lula kwiimali zakho naphi na eTurkey. Inethiwekhi yabo exineneyo yee-ATM ikuvumela ukuba utsale imali, wenze iidipozithi okanye ufumane ulwazi lweakhawunti nangaliphi na ixesha.
Mobile Banking: Ibhanki yakho naphi na apho ukhoyo
Ngee-apps ezintsha zebhanki ze-Yapı ve Kredi Bankası, usoloko unemali yakho ezandleni zakho. Jonga ibhalansi yeakhawunti yakho, wenze utshintsho okanye uhlawule amatyala ngokuthe ngqo kwi-smartphone yakho.
Ukubhankisha ngefowuni: Fowuna wenze
Inkonzo yebhanki yomnxeba kaYapı ve Kredi Bankası ibonelela ngendlela ekhawulezayo nesebenzayo yokuqhuba intengiselwano yakho yebhanki ngefowuni. Ilungele imibuzo ekhawulezayo kunye neentengiselwano.
Intlawulo yoqhagamshelwano: ikhuselekile kwaye kulula
Fumana uncedo lokubhatalwa ngaphandle koqhagamshelwano ngeYapı ve Kredi Bankası. Iintengiselwano ezikhawulezayo nezikhuselekileyo zihamba nje.
Ingxoxo yebhanki: inkxaso njengoko uyidinga
Sebenzisa inkonzo yebhanki yengxoxo yanamhlanje kunxibelelwano oluthe ngqo. Nokuba unemibuzo okanye ufuna ukwenza intengiselwano, i-Yapı ve Kredi Bankası ikhona kuwe ngencoko.
Ngolu khetho lwahlukeneyo lwebhanki, uYapı ve Kredi Bankası ubonisa ukuba ibhanki yanamhlanje ijongeka njani- ijolise kubathengi, ibhetyebhetye kwaye ikhuselekile. Kwenza ukuphatha imali yakho kube mnandi kwaye kusebenze 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 ye-Yapı ve Kredi Bankası: Ukusungula izinto ezintsha kunye nokuKhula ukusukela ngo-1944
Yapı ve Kredi Bankası, iziko elidumileyo eTurkey, yasekwa ngo-1944 njengenkampani yokuqala yebhanki yabucala yelizwe. Ukusekwa kwayo nguKazım Taşkent kujolise ekuxhaseni ukwakhiwa ngokutsha kunye nokuxhaswa ngemali kweziseko ezingundoqo zasemva kwemfazwe kunye noshishino. Ngokugxila ekusunguleni nasekugxileni kwabathengi, ibhanki yakhula ngokukhawuleza kwaye yazinza njengamandla akhokelayo kuqoqosho lwaseTurkey.
Kumashumi eminyaka yokuqala yembali yayo, ibhanki igxile ekuphuhliseni iimveliso mboleko kunye neenkonzo ezilungiselelwe ngokukodwa iimfuno zabantu kunye namashishini asekhaya. Le ndlela ivumele i-Yapı ve Kredi Bankası ukuba yakhe unxibelelwano olunzulu noluntu kunye nokuseka ubudlelwane bokuthembana kunye nabathengi bayo. Ibhanki idlale indima ebalulekileyo ekuxhaseni ngezimali iiprojekthi ezibalulekileyo zemizi-mveliso kunye neziseko ezingundoqo ezithe zanegalelo ekuphuculeni nasekukhuleni koqoqosho lwaseTurkey.
Ukutyhubela iminyaka, i-Yapı ve Kredi Bankası yandise kuzwelonke nakwamanye amazwe, yavula amasebe amaninzi kulo lonke elaseTurkey kunye neeofisi zabameli phesheya. Olu lwando lukhatshwe kukwaziswa ngokuthe gqolo kobugcisa obutsha kunye neenkonzo ezijolise ekuphuculeni amava omthengi nokwenza lula ukubhankisha. Eyona nto ibalulekileyo yindima yabo yobuvulindlela kwibhanki yedijithali, eyenze iYapı ve Kredi yaba yenye yeebhanki zokuqala zaseTurkey ukubonelela ngeenkonzo zebhanki ezikwi-Intanethi kunye neselfowuni.
Ngaphandle kwemiceli mngeni eyahlukeneyo yezoqoqosho kunye neentlekele, i-Yapı ve Kredi ibisoloko izigcina njengebhanki eyomeleleyo nethembekileyo, emi kwisiseko esomeleleyo sokuthembela kwabathengi kunye nokuzinza kwezemali. Namhlanje iyaziwa ngoluhlu lwayo olubanzi lweenkonzo, ezibandakanya abantu abazimeleyo, iinkampani ezincinci kunye neziphakathi kunye neenkampani ezinkulu. Ngokugxininiswa okucacileyo ekwanelisekeni kwabathengi, ukusungula izinto ezintsha kunye neendlela zebhanki ezinoxanduva, uYapı ve Kredi Bankası uhlala engumqondiso wokuthembela kunye nokugqwesa kwiibhanki zaseTurkey.
isiphelo
I-Yapı ve Kredi ibonelela ngendibaniselwano eqinileyo yokufikeleleka, iinkonzo kunye nobuchule, iyenza ibe lukhetho olunomtsalane kwiibhanki eTurkey. Nokuba ufuna ukuvula iakhawunti elula, ukutyala imali okanye ufuna ukufikelela kwizimali zakho ngelixa uhamba, iYapı ve Kredi inokuba yibhanki efanelekileyo kuwe.
Ngesi sikhokelo ukuxhotyiswe kakuhle ukuqala uhambo lwakho lwezemali eTurkey. Ithamsanqa kwaye ukhusele ezona zivumelwano zibalaseleyo kunye neenkonzo ngeYapı ve Kredi!
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.
