Iyini i-Yapı ve Kredi Bankası?
Yasungulwa ngo-1944, i-Yapı ve Kredi izimise njengelinye lamabhange ahamba phambili eTurkey. Yaziwa ngokuba seduze kwamakhasimende ayo, amandla amasha kanye nohlu olubanzi lwemikhiqizo namasevisi ezezimali. Ibhange lisebenzela amakhasimende asekhaya nawamazwe ngamazwe futhi linikeza izixazululo kubantu ngabanye, amabhizinisi amancane naphakathi nendawo kanye nezinkampani ezinkulu.
Zithini izikhathi zokuvula?
Amahora okuvula ayahluka kodwa ngokuvamile angoMsombuluko kuya kuLwesihlanu kusukela ngo-9:00 a.m. kuye ku-17:00 p.m. Amanye amagatsha nawo avulwa ngoMgqibelo, kodwa kuhlale kuwumqondo omuhle ukuhlola kusenesikhathi.
Ngiyivula kanjani i-akhawunti ne-Yapı ve Kredi Bankası?
Ukuvula i-akhawunti ne-Yapı ve Kredi Bankası kuyinqubo engenazo izinkinga kubo bobabili abantu bendawo nabavakashi bamazwe ngamazwe. Nansi inkomba yesinyathelo ngesinyathelo:
Isinyathelo 1: Khetha uhlobo lwe-akhawunti olufanele
Okokuqala, kufanele ukhethe uhlobo lwe-akhawunti olufaneleka kangcono izidingo zakho. I-Yapı ve Kredi Bankası inikeza ama-akhawunti anhlobonhlobo ahlanganisa ama-akhawunti okuhlola, ama-akhawunti okonga, ama-akhawunti ebhizinisi nama-akhawunti ekhadi lesikweletu. Cabangela ukuthi yiluphi uhlobo lwe-akhawunti oludingayo bese ukhetha ngokufanele.
Isinyathelo sesi-2: Vakashela igatsha
Isinyathelo esilandelayo ukuvakashela igatsha. Lapha uzothola izeluleko zomuntu siqu futhi ungabuza yonke imibuzo yakho. Ungakhohlwa ukuza nawo wonke amadokhumenti adingekayo - ngokuvamile uzodinga i-ID evumelekile kanye nobufakazi bekheli. Njengesakhamuzi sangaphandle, imvume yokuhlala nayo ingadingeka.
Isinyathelo sesi-3: Gcwalisa ifomu lesicelo
Egatsheni uzocelwa ukuba ugcwalise ifomu lesicelo. Qiniseka ukuthi unikeza lonke ulwazi ngendlela efanele futhi ngokuphelele. Lokhu kubalulekile ukuze ugweme ukungaqondi kahle noma ukubambezeleka kamuva.
Isinyathelo sesi-4: Ukuhlonza
Kufanele uziveze ngokwethula umazisi ovumelekile. Njengesakhamuzi sangaphandle, imibhalo eyengeziwe efana nemvume yokuhlala ingadingeka.
I-Schritt 5: Einzahlung
Ngemva kokugunyazwa kwe-akhawunti yakho, ngokuvamile uzocelwa ukuthi wenze idiphozithi yokuqala. Inani lale diphozithi lingahluka, ngakho-ke kuhle ukuthi uhlole izidingo ezithile ze-Yapı ve Kredi Bankası kusenesikhathi.
Isinyathelo sesi-6: Ukwenza kusebenze
Uma zonke izinyathelo seziqediwe, uzothola lonke ulwazi oludingekayo kanye nemibhalo ukuze uvule i-akhawunti yakho. Ezimweni eziningi, ungaqala ukubhanga nge-inthanethi ngokushesha futhi wenze imisebenzi yakho yasebhange kalula noma yikuphi.
Imiyalo ebalulekile:
Izidingo eziqondile nezinqubo zingahluka kuye ngohlobo lwe-akhawunti nendawo. Kuhlale kuhle ukuthi uthole ulwazi kusenesikhathi.
Njengesakhamuzi sangaphandle esifisa ukuvula i-akhawunti eTurkey, izinyathelo ezengeziwe noma imibhalo ingadingeka. Sicela uhlole nebhange noma kuwebhusayithi yabo ukuze uthole imiyalelo ethile yamakhasimende aphesheya.
Ngalezi zinyathelo uzobe ukulungele kahle ukuvula i-akhawunti yakho entsha nge-Yapı ve Kredi Bankası. Kungakhathaliseki ukuthi udinga i-akhawunti ukuze uyisebenzise nsuku zonke, izinjongo zebhizinisi noma njengengxenye yokuhlela kwakho uhambo, i-Yapı ve Kredi Bankası ikunikeza ukuguquguquka kanye nezinsizakalo ozidingayo ukuze ufinyelele imigomo yakho yezezimali e-Turkey. Ngikufisela inhlanhla!
Thola umhlaba wokutshalwa kwezimali nge-Yapı ve Kredi Bankası
I-Yapı ve Kredi Bankası inikeza izinhlobonhlobo zezinketho zokutshala izimali ezifanela zonke izinhlobo zabatshalizimali. Noma ngabe ufuna ukuvikeleka, ukukhula noma ukuhlukahluka, uzothola inketho ekulungele lapha:
Idiphozi yesikhathi esimisiwe: jabulela ukuphepha
Idiphozithi yesikhathi esinqunyiwe iyisinqumo esifanele kulabo abafuna ukutshala imali yabo ngokuphepha futhi ngaphandle kwengozi. Utshala inani elithile ngesikhathi esinqunyiwe futhi ngembuyiselo uthola isilinganiso senzalo esiqinisekisiwe. Ngale ndlela wazi kahle ukuthi kungakanani ongakulindela ekupheleni kwethemu.
Izilinganiso zenzalo zamadiphozi esikhathi esinqunyiwe eTurkey zingahluka futhi zincike ezintweni ezifana nethemu, ibhange kanye nesimo somnotho samanje. Inqubomgomo yebhange eliphakathi, okulindelwe ukwehla kwamandla emali kanye nezimo zemakethe nazo zidlala indima ekumiseni amanani enzalo.
Ukuze uhlale uthola ulwazi lwakamuva kakhulu, sincoma ukuthi uvakashele amawebhusayithi amabhange aseTurkey noma uxhumane namabhange ngokuqondile ukuze ubuze mayelana nezipesheli. Amabhange amaningi ashicilela okunikezwayo ngenzalo yemigomo namanani ahlukahlukene kumawebhusayithi awo.
Amasheya: Ukubamba iqhaza emicimbini yemakethe
Ungathanda ukuhlanganyela ngokuqondile emicimbini yezomnotho? Ngokutshala imali kumasheya ezinkampani zaseTurkey nezamazwe ngamazwe, ungazuza ekwenyukeni okungaba khona kwevelu nokusatshalaliswa kwezabelo. Lolu wuhlobo lokutshalwa kwezimali oluguquguqukayo olukunikeza ithuba lokubamba iqhaza ekukhuleni komnotho womhlaba.
Amabhondi: Vikela imali engenayo evamile
Amabhondi ayindlela enhle kakhulu yokuthola imali engenayo yenzalo evamile. Kungakhathaliseki ukuthi amabhondi kahulumeni noma ezinkampani, angahlinzeka ngomthombo ozinzile futhi obikezelwa wemali engenayo yephothifoliyo yakho.
Isikhwama: Sebenzisa ulwazi lochwepheshe
Uma ubheke ukuhlukanisa kabanzi ukutshalwa kwezimali kwakho, i-mutual funds ingaba yisinqumo esifanele. Lokhu kulawulwa abaphathi bezikhwama abanolwazi futhi kunikeza ukufinyelela ezinhlobonhlobo zokutshalwa kwezimali, kusukela kumasheya kuye kumabhondi kuya emikhakheni ethile yemakethe.
Izindlu ezithengiswayo: Cabanga isikhathi eside
Ukutshalwa kwezimali kwezindlu kunikeza ithuba lokukhulisa inani futhi kukhiqize imali yokuqasha. Kungakhathaliseki ukuthi amafulethi, izakhiwo zentengiso noma ezinye izinhlobo zezakhiwo, zingakha isisekelo esiqinile sephothifoliyo yakho futhi zinikeze ukuzinza kwesikhathi eside.
Izinsimbi eziyigugu: ukuhlukahluka kuphothifoliyo
Izinsimbi eziyigugu ezifana negolide nesiliva ngokuvamile beziwutshalomali oludumile lwamaphothifoliyo ahlukahlukene futhi zisebenza njengothango olumelene nokwehla kwamandla emali noma ukushintshashintsha kohlobo lwemali. Banikeza esinye isici sokuvikeleka nokukhula kuhlelo lwakho lokutshala imali.
Ngalolu hlu olubanzi lwezinketho zokutshala imali, i-Yapı ve Kredi Bankası ikunikeza izinketho eziningi ukuze ufeze izinjongo zakho zezezimali. Hlola lezi zinketho, thintana nabeluleki bethu bese ukhetha isu lokutshala imali elifanelana kangcono nezinhloso zakho zomuntu siqu kanye nezinketho zobungozi. Inhlanhla yokutshala imali!
Okwenza iTurkey Inikeze Izinga Lenzalo Ephezulu Kwabalondolozi: Uhlolojikelele
Izinga lenzalo eliphezulu ekudiphozisweni kwesikhathi esinqunyiwe eTurkey, kanye namazinga enzalo aphezulu ngokuvamile ezinhlotsheni ezihlukene zokutshalwa kwezimali, angumphumela wenhlanganisela yezimo zomnotho nezinqumo zenqubomgomo yezimali. Nazi ezinye zezizathu eziyinhloko:
- Ukwehla kwamandla: I-Turkey ihlangabezane ne-inflation ephezulu ngokuqhathaniswa eminyakeni yamuva. Ukuze amelane nalokhu kwehla kwamandla emali noma ukuheha abongi, amabhange abeka amanani enzalo aphezulu. Lezi zilinganiso zenzalo ephakeme zihloselwe ukukhuthaza ukonga nokunciphisa ukutholakala kwemali, okubuye kusize ukulwa nokwehla kwamandla emali.
- Ukushintshashintsha kwezimali: I-lira yaseTurkey ilahlekelwe inani uma iqhathaniswa nezinye izinhlobo zemali esikhathini esidlule. Amazinga enzalo aphezulu angasiza ekuzinziseni imali ngokuheha abatshalizimali bakwamanye amazwe kanye nokwandisa isidingo se-lira.
- Inqubomgomo yezomnotho: IBhange Elikhulu LaseTurkey libeka izilinganiso zenzalo ezibalulekile, ezibuye zibe nomthelela emazingeni enzalo ediphozithi egxilile nezinye izinhlobo zokutshalwa kwezimali. Kwesinye isikhathi izilinganiso zenzalo ephezulu zisetshenziswa njengethuluzi lokusimamisa umnotho kanye nokwandisa ukwethenjwa emalini kazwelonke.
- Ingozi yezomnotho: Amazinga enzalo aphezulu ngokuvamile abonisa ingozi ephakeme ecatshangelwayo. Abatshalizimali nabalondolozi badinga imbuyiselo ephezulu ngokuthatha izingozi ezifana nokungaqiniseki kwezombusazwe, ukuntengantenga komnotho noma inqubomgomo yezimali engaqinisekile.
Kubalulekile ukuqaphela ukuthi nakuba izilinganiso zenzalo ephezulu zingakhanga kubalondolozi, zinganyusa izindleko zokuboleka futhi ngaleyo ndlela zehlise ukutshalwa kwezimali nokusetshenziswa. Lokhu kungase kube inselelo emnothweni waseTurkey, othembele kakhulu ekusetshenzisweni nasekutshalweni kwezimali. Abatshalizimali kufanele bahlale bekala ibhalansi yobungozi kanye nemivuzo, ikakhulukazi esimweni somnotho esintengantengayo njengeTurkey. Kunconywa ukuthi ulandele izindaba zezomnotho zamanje futhi, uma kunesidingo, ufune iseluleko sochwepheshe ngaphambi kokwenza noma yiziphi izinqumo zokutshala izimali.
Ukubhanga ku-inthanethi: lula ubusuku nemini
I-Yapı ve Kredi Bankası imele uhla olubanzi lwezixazululo zebhange ezithuthukisiwe ezenzelwe ukusekela ukuphathwa kwakho kwezezimali ngaphandle komthungo nangempumelelo:
Ngenkundla yasebhange esezingeni eliphezulu ye-Yapı ve Kredi Bankası, ujabulela ukuguquguquka okukhulu. Phatha ama-akhawunti akho, dlulisela imali, faka isicelo semalimboleko nokunye okwengeziwe, noma nini, noma kuphi kukhompuyutha noma ithebhulethi yakho.
Amagatsha: Inkonzo yomuntu siqu yonke indawo ezweni
Zuza ohlelweni olubanzi lwamagatsha ezweni lonke. Kuwo wonke amagatsha e-Yapı ve Kredi Bankası uzothola izeluleko zomuntu siqu futhi ungenza konke okwenzayo ebhange kalula.
Ama-ATM: Ihlala iseduze nawe
I-Yapı ve Kredi Bankası iqinisekisa ukuthi ufinyelela kalula izimali zakho noma yikuphi eTurkey. Inethiwekhi yabo eminyene yama-ATM ikuvumela ukuthi ukhiphe ukheshi, ubeke imali noma uthole imininingwane ye-akhawunti nganoma yisiphi isikhathi.
Mobile Banking: Ibhange lakho noma ngabe ukuphi
Ngezinhlelo zokusebenza zebhange zeselula ze-Yapı ve Kredi Bankası, uhlale unezimali zakho ezandleni zakho. Hlola ibhalansi ye-akhawunti yakho, wenze ukudluliselwa noma ukhokhe izikweletu ngqo kusuka ku-smartphone yakho.
Ukubhenga ngocingo: Shayela ukwenze
Isevisi yasebhange yocingo ye-Yapı ve Kredi Bankası ikunikeza indlela esheshayo nesebenzayo yokwenza imisebenzi yakho yasebhange ngocingo. Ilungele imibuzo esheshayo nokuthengiselana.
Ukukhokha ngaphandle kokuthintwa: kuphephile futhi kulula
Izwa ukusebenziseka kokukhokha ngaphandle kokuthinta nge-Yapı ve Kredi Bankası. Ukuthenga okusheshayo nokuvikelekile kumane nje uthintwa.
I-Chat banking: ukwesekwa njengoba ukudinga
Sebenzisa isevisi yasebhange yezingxoxo yesimanje ukuxhumana ngqo. Kungakhathaliseki ukuthi unemibuzo noma ufuna ukwenza ukuthengiselana, i-Yapı ve Kredi Bankası ikhona ngawe ngengxoxo.
Ngalolu hlobo lwezinketho zokubhanga, i-Yapı ve Kredi Bankası ikhombisa ukuthi ukubhange kwesimanje kubukeka kanjani namuhla - okugxile kumakhasimende, kuyavumelana nezimo futhi kuvikelekile. Kwenza ukuphatha izimali zakho kube mnandi futhi kusebenze kahle ngangokunokwenzeka.
Ukubhenka eTurkey: Izeluleko Eziwusizo Nokucatshangelwa Kwabahambi Nabangaphandle
Nazi izeluleko ezisebenzayo nokucatshangelwa kokusebenzisa amabhange aseTurkey:
- Qhathanisa okunikezwayo: Ngaphambi kokuthi uzibophezele, qhathanisa izinsizakalo, amanani enzalo nezinkokhelo zamabhange ahlukene ukuze uthole idili elingcono kakhulu lezidingo zakho.
- Ulwazi lokuvula i-akhawunti: Zijwayeze nemithetho nezimfuneko zokuvula i-akhawunti futhi ube nawo wonke amadokhumenti adingekayo.
- Sebenzisa amasevisi edijithali: Zuza ezinsizeni zamabhange ku-inthanethi nezamaselula ukuze uphathe izimali zakho noma yikuphi.
- Qaphela kuma-ATM: Qaphela lapho usebenzisa ama-ATM, ikakhulukazi ezindaweni zezivakashi, futhi uqinisekise ukuthi angamadivayisi asemthethweni futhi avikelekile.
- Hlola amathuba okutshala imali: Cwaninga izinketho ezahlukene zokutshala izimali ezinikezwa amabhange bese ukhetha isu elifanelana nezinhloso zakho.
- Vikela idatha yakho: Phatha imininingwane yakho yezezimali ngokucophelela futhi usebenzise amagama ayimfihlo aqinile nezinyathelo zokuphepha.
- Funa iseluleko sochwepheshe: Sebenzisa izinsiza zokweluleka ngezezimali ukuze uhlele futhi uphathe ukutshalwa kwezimali kwakho.
- ukuphepha kuqala: Thola mayelana nezinyathelo zokuphepha zebhange lakho futhi uqaphele izingozi zokukhwabanisa.
- Sebenzisa umshwalense: Cwaninga izinsizakalo zomshwalense ezingakuvikela wena kanye nezimali zakho.
- Qaphela izinkokhelo: Qhathanisa izinkokhelo zamasevisi ahlukahlukene afana nokudluliselwa kwamanye amazwe noma ukuhoxiswa kuma-ATM angaphandle.
- Amathuba omhlaba: Thatha ithuba lezinketho zamabhange zamazwe ngamazwe ezikuvumela ukuthi usebenze emhlabeni wonke.
- Sebenzisa amakhadi esikweletu ngokuzibophezela: Qonda imigomo yekhadi lakho lesikweletu futhi ugweme ukweqa umkhawulo wakho ukuze wonge ezindlekweni futhi ugcine isikolo sakho sesikweletu.
- Sebenzisa ubuchwepheshe obuvikelekile: Thatha ithuba lokunikezwayo njengezaziso ze-SMS noma amasiginesha eselula ukuze uphathe izimali zakho ngokuphephile.
- Izipesheli zezinkampani: Thola mayelana nezinsizakalo ezikhethekile nezipesheli zamabhizinisi amancane naphakathi nendawo.
- Ngokulandela lawa macebiso, ungaqinisekisa ukuthi ulwazi lwakho ngamabhange aseTurkey lubushelelezi futhi lunenzuzo ngangokunokwenzeka.
Ukuthola okuningi ezinsizeni zamabhange aseTurkey, kubalulekile ukuthuthukisa ukuqonda okujulile ngeminikelo yawo ehlukahlukene futhi uyiqhathanise ngokucophelela. Ukuthola ibhange elifanele izidingo zakho kusho ukukala ngokucophelela inzalo, izimali ezikhokhwayo namasevisi. Kubalulekile futhi ukujwayelana nemithetho ethile kanye nezimfuneko zokuvula i-akhawunti. Sebenzisa izinsiza zebhange ze-inthanethi nezamaselula ukuze uphathe izimali zakho ngempumelelo.
Esinye isici esibalulekile ukuthuthukiswa kwesu lokutshalwa kwezimali eliyinkimbinkimbi nelihlukahlukene. Lokhu kusiza ukusabalalisa izingozi futhi kwandise amathuba okubuya okuhle. Ngaphezu kwalokho, akufanele uzibe izinkonzo zomshwalense ezinikezwa amabhange. Lokhu kungakunikeza ukuvikeleka okwengeziwe kwezimali zakho ezimeni ezingalindelekile noma ezimeni eziphuthumayo. Ngokucabangela lezi zici, ungenza isinqumo unolwazi futhi udale isisekelo esiqinile sezezimali sekusasa lakho.
Umlando we-Yapı ve Kredi Bankası: Ukuqamba kanye Nokukhula kusukela ngo-1944
I-Yapı ve Kredi Bankası, isikhungo esivelele eTurkey, yasungulwa ngo-1944 njengenkampani yokuqala yamabhange yangasese yakuleli. Ukusungulwa kwayo nguKazım Taşkent kuhloswe ukusekela ukwakhiwa kabusha nokuxhaswa ngezimali kwengqalasizinda yangemva kwempi kanye nezimboni. Ngokugxila ekusungulweni nasekugxileni kwamakhasimende, ibhange lakhula ngokushesha futhi lazinza njengamandla ahamba phambili emnothweni waseTurkey.
Emashumini eminyaka okuqala omlando walo, ibhange laligxile ekuthuthukiseni imikhiqizo ebolekisayo kanye nezinsizakalo eziklanyelwe ngokukhethekile izidingo zabantu ngabanye kanye namabhizinisi endawo. Le ndlela yenza i-Yapı ve Kredi Bankası yakhe ukuxhumana okujulile nomphakathi futhi isungule ubudlelwano bokwethembana namakhasimende ayo. Ibhange libambe iqhaza elibalulekile ekuxhaseni ngezimali amaphrojekthi abalulekile ezimboni kanye nengqalasizinda abambe iqhaza ekuthuthukisweni kwesimanje nasekukhuleni komnotho waseTurkey.
Ngokuhamba kweminyaka, i-Yapı ve Kredi Bankası yanda ezweni lonke nakwamanye amazwe, yavula amagatsha amaningi kulo lonke elaseTurkey kanye namahhovisi abamele phesheya. Lokhu kwanda kuhambisane nokwethulwa kancane kancane kobuchwepheshe obusha namasevisi okuhloswe ngawo ukuthuthukisa ulwazi lwamakhasimende nokwenza lula ukubhanga. Okuphawuleka kakhulu indima yabo yokuqala ekubhangeni ngedijithali, okwenza i-Yapı ve Kredi yaba elinye lamabhange okuqala aseTurkey ukunikela ngezinsizakalo zebhange le-inthanethi nezamaselula.
Naphezu kwezinselelo nezinkinga zezomnotho ezihlukahlukene, i-Yapı ve Kredi ibilokhu izigcina iyibhange eliqinile nelithembekile, emi esisekelweni esiqinile sokwethenjwa kwamakhasimende nokuzinza kwezezimali. Namuhla yaziwa ngohlu lwayo olubanzi lwezinsizakalo, ezihlanganisa abantu abazimele, izinkampani ezincane neziphakathi nendawo kanye nezinkampani ezinkulu. Ngokugxila okucacile ekwanelisekeni kwamakhasimende, ukusungula izinto ezintsha kanye nezinqubo zamabhange ezinomthwalo wemfanelo, i-Yapı ve Kredi Bankası isalokhu iwuphawu lokwethembana nokwenza kahle ebhange laseTurkey.
Isiphetho
I-Yapı ve Kredi inikezela ngenhlanganisela eqinile yokufinyeleleka, izinsizakalo kanye nobuchwepheshe, okwenza kube inketho ekhangayo yokubhanga eTurkey. Kungakhathaliseki ukuthi ufuna ukuvula i-akhawunti elula, ukutshala imali noma ufuna nje ukufinyelela ezezimali zakho ngenkathi usohambweni, i-Yapı ve Kredi ingaba yibhange elikulungele.
Ngalo mhlahlandlela ukuhlomele kahle ukuqala uhambo lwakho lwezezimali eTurkey. Sikufisela inhlanhla futhi uvikele amadili nezinsizakalo ezihamba phambili nge-Yapı ve Kredi!
Sicela uqaphele: Imininingwane ekuwebhusayithi yethu eyezinjongo zolwazi olujwayelekile kuphela. Akusona iseluleko sezezimali futhi akufanele kuthenjelwe kuso. Asizibophezeli ngezinqumo ezenziwe ngokusekelwe kulolu lwazi. Kubalulekile ukuthi ngaso sonke isikhathi ufune iseluleko sochwepheshe kumeluleki wezezimali oqeqeshiwe ngaphambi kokwenza noma yiziphi izinqumo zezezimali. Asizibandakanyi zonke izikweletu zanoma yikuphi ukulahlekelwa noma umonakalo ovela ngokuqondile noma ngokungaqondile ekusebenziseni ulwazi lwethu.
