Iibhanki eJamani

"Indlela entsha kwiibhanki eJamani"

Yonke into malunga neebhanki eJamani kwindawo enye

Xa kuziwa ekukhetheni ibhanki eJamani, unokhetho oluninzi. Ukukhetha ibhanki ngumbandela obalulekileyo. Kulapho uya kugcina imali yakho, emva koko. Ngenxa yokuba ayizizo zonke iibhanki ezenziwe ngokulinganayo, kufuneka uqwalasele izinto ezifana neentlawulo kunye nokufikeleleka xa ukhetha ibhanki ukuze uqiniseke ukuba awuyichithi imali yakho apho kufuneka igcinwe khona.

Izibonelelo ezifana nenzala ephantsi kwi-akhawunti yokonga, izibonelelo zelungu elitsha, ukhuseleko lwe-overdraft kunye nezinye iimpawu zinokukunceda wonge imali kunye nexesha. Apha siza kukhankanya ezona bhanki zibalaseleyo eJamani, ukuze ufumane eyona ilungileyo kuwe kunye nemali yakho.

Commerzbank

Yasekwa kwi-1870, enye yeebhanki ezindala eJamani, i-Commerzbank ibonelela ngemali yokuthengisa kunye neyorhwebo, ibhanki yotyalo-mali, ulawulo lwempahla kunye neenkonzo zebhanki zabucala.

Ikomkhulu eFrankfurt, ibhanki iqeshe malunga nabasebenzi abangama-39.000 kwaye isebenzela abathengi abazizigidi ezili-17,5 kumazwe angama-50. 

iibhanki ezilungileyo zaseJamani

Ukuba ufuna ukufaka isicelo seakhawunti kule bhanki, ungakwenza oko ngezantsi ngokucofa iqhosha elithi "APPLY"

  • Ulawulo lweakhawunti lwasimahla ukusuka kwidiphozithi encinci ye-700 €
  • Virtual Debit Mastercard ifakiwe
  • Commerzbank Girocard ifakiwe
  • Ukufumana imali simahla kwiCashgroup
  • Uthungelwano olushinyeneyo lwamasebe kulo lonke elaseJamani
  • Iinkonzo ezilungileyo
  • Uzinzo lweCommerzbank

Izinto ezilungileyo zeCommerzbank eJamani

Inzuzo yokuqala kunye neyona nto ibalulekileyo kukuba ukuba nangaliphi na ixesha unokutyelela elinye lamasebe kulo lonke elaseJamani uze ufumane icebiso okanye inkxaso.

Kwangaxeshanye, uneATM zale bhanki kumasebe apho unokukhupha imali simahla, kunye nezixhobo zokubala apho unokufaka imali kwiakhawunti yangoku yasimahla ngomrhumo ophakathi (ngokunokwenzeka simahla kwiakhawunti esisiseko + eyongezelelweyo yangoku. ). Oku akunakwenzeka ngeebhanki ezithe ngqo okanye ngeentlawulo eziphezulu kakhulu.

Enye inzuzo lukhetho olukhulu kakhulu lweeakhawunti zangoku kule bhanki eJamani, ukuze kusoloko kukho indibaniselwano efanelekileyo yeakhawunti kunye nekhadi letyala kuwe. Zimbalwa kakhulu ezinye iibhanki eJamani ezibonelela ngeendibaniso ezininzi ezahlukeneyo, ngakumbi ukhetho lwamakhadi okuthenga ngetyala lubalaseleyo.

Ukungalungi kwe-Commerzbank eJamani

Ngelishwa, ii-akhawunti ezahlukeneyo ze-Commerzbank zangoku azikho ngaphandle kweengxaki zazo, kodwa ziyahluka ngokuxhomekeke kwinguqulelo ogqiba ukuyikhetha.

Kuya kufuneka ubale kwimirhumo yemali yangaphandle, kwiindleko kumazwe angengawo e-EU uya kuhlawuliswa imirhumo ephezulu kakhulu xa usebenzisa idebhithi kunye nekhadi letyala, ke kwezohambo kufuneka ufumane elinye ikhadi letyala oza kulisebenzisa, umzekelo. Ikhadi letyala elongezelelweyo.

Ukutsalwa kwemali nayo yenye yezinto ezingeloncedo, njengoko ezinye ii-akhawunti zebhanki zale bhanki ziquka kuphela ukutsalwa kwemali simahla koomatshini beCash Group, kwaye ukuba awuhlali kwindawo yaseJamani enenani elikhulu lezi ATM, kukho. umrhumo wokurhoxa ngakunye.

ona ikwankulu kakhulu xa kuthelekiswa nezinye iibhanki. Nokuba i-akhawunti ebiza kakhulu yeSiseko + eyongezelelweyo yokujonga iPremium ibandakanya kuphela inani elipheleleyo lama-25 lokutsalwa kwemali simahla.

Enye intsilelo ziintlawulo zekhadi lokuthenga ngetyala ezixabisa minyaka le kule bhanki yaseJamani.

Ibhanki yeDeutsche

Enye yeebhanki ezibalulekileyo eJamani yiDeutsche bank. Yasekwa ngo-1870 kwaye yeyona bhanki inkulu eJamani. Ikwayenye yeenkampani ezikhokelayo kwiinkonzo zebhanki kunye nezezimali kwihlabathi, ezinobukho ngokubanzi eYurophu, eMelika, kwingingqi yeAsia-Pacific kunye neemarike ezininzi ezisakhulayo.

Le bhanki yaseJamani, ikomkhulu eFrankfurt, iqeshe abasebenzi abamalunga nama-80.000. Umsebenzi ophambili webhanki yibhanki yotyalo-mali. Ikwabonelela ngeenkonzo kwiinkalo zokuthengisa, ukurhweba, uphando, amatyala kunye nokudala ukulingana, ukudibanisa kunye nokufunyanwa, kunye nokulawulwa komngcipheko.

 

eyona bhanki ilungileyo eJamani

Ukuba ufuna ukufaka isicelo seakhawunti kule bhanki, ungakwenza oko ngezantsi ngokucofa iqhosha elithi "APPLY"

  • Iiakhawunti ezi-3 zangoku onokukhetha kuzo: Iakhawunti encinci, iakhawunti esebenzayo kunye neakhawunti egqwesileyo
  • Imali yokulungisa i-akhawunti yenyanga phakathi kwe-€ 0,00 kunye ne-€ 11,90
  • Ulawulo lweakhawunti lwasimahla lunokwenzeka kubantu abatsha ukuya kuthi ga kwi-30 yeminyaka ubudala
  • Amacebiso obuqu avela kwinethiwekhi yesebe yelizwe lonke
  • Ukutsalwa kwemali simahla kwihlabathi liphela kumazwe angaphezu kwama-60
  • Amakhadi okuthenga ngetyala kunye neenkonzo ezininzi azibhatalwa ngokungathanga ngqo
  • Inzala ephezulu ye-ovadrafti kunye ne-ovadrafti

Izinto ezilungileyo zeDeutsche Bank eJamani

Umntu othatha isigqibo sokuvula i-akhawunti yangoku kwi-Deutsche Bank mhlawumbi uya kwenza oko kuqala kuba, ngokungafaniyo nezinye iibhanki zaseJamani, le bhanki inikezela ngeeofisi zesebe ukongeza kwiinketho eziqhelekileyo ze-akhawunti ye-intanethi.

Inzuzo ebaluleke kakhulu yale bhanki kukuba isebe layo linokutyelela xa kukho imibuzo okanye iingxaki. Ukudluliselwa kwephepha kusimahla, ngoko ke abo basenza iintlawulo zephepha namhlanje banokuzuza.

Enye yeenzuzo ziibhanki zeqabane phesheya, apho kukho kwakhona ukhetho lokuhlawula simahla. Inokuqwalaselwa ukuba iidipozithi zasimahla zinokwenzeka kwi-ATM yaseDeutsche Bank. Ndicinga ukuba le yenye yezona zinto zibalulekileyo kwi-akhawunti yangoku xa ifika kule bhanki eJamani.

 

Ukungalungi DKB Bank eJamani

Xa kuthelekiswa nokhuphiswano, kungekuphela nje iintlawulo zenyanga eziphezulu, i-Deutsche Bank nayo ayiqinisekanga kakhulu malunga neentlawulo kunye nezinye iifizi.

Inyaniso yokuba kungekho nkonzo zingenye ezinomtsalane koku iqinisekisa umlinganiselo owandisiweyo wokusebenza kwexabiso. 

Ngokukodwa, i-akhawunti ye-Deutsche Bank yangoku ibiza kakhulu xa kuthelekiswa nezinye iibhanki ezithe ngqo ngaphandle kweenkonzo ezongezelelweyo ezifanelekileyo.

DKB Bank eJamani

Ibhanki inabasebenzi abangaphezu kwe-5000 kunye nempahla epheleleyo ye-132,9 yeebhiliyoni zee-euro kwaye yenye yeebhanki ezinkulu ze-20 eJamani. Yasekwa ngo-1990 njengebhanki yokunika imali-mboleko eJamani, kwaye ukusukela ngoko iye yanda kuwo onke amasebe ebhanki kwaye iyibhanki ekwi-intanethi ngokupheleleyo.
ibhanki ye-intanethi eJamani

Ukuba ufuna ukufaka isicelo seakhawunti kule bhanki, ungakwenza oko ngezantsi ngokucofa iqhosha elithi "APPLY"

    • simahla iakhawunti yangoku
    • free Visa debit card
    • ngaphandle kwembuyekezo yomntu wesithathu
    • ukukhupha imali simahla
    • Akusekho nzala engalunganga kwidiphozithi
    • Ubuncinci bediphozithi "yebhonasi kubathengi abasebenzayo"
    • I-Girocard ekhethiweyo ixabisa i-€ 0,99; ikhadi letyala ozikhethelayo €2,49 ngenyanga
    • Ikhadi "lokwenyani" elijikelezayo lixabisa i-2,49 € ngenyanga

    Izinto ezilungileyo zeDKB Bank eJamani

    Mhlawumbi inzuzo enkulu ye-DKB kukuba i-akhawunti ikhululekile. Oku kuthetha: ukuba akukho mali yokulawula iakhawunti - nokuba yeyiphi na imali encinci kwiakhawunti yakho. 

    Kwakhona uya kufumana idebhithi yasimahla kunye nekhadi letyala kwaye unokulisebenzisa ukuhlawula okanye ukutsala imali naphi na emhlabeni ngaphandle kweentlawulo ezongezelelweyo.

    Enye inzuzo ye-DKB kukuba ibhanki ye-intanethi kule bhanki iqalwe kwaye yangoku. Ukuvula i-akhawunti kule bhanki kuyakhawuleza kwaye kulula kwaye kunokwenziwa kwi-intanethi.

    Ukuba uvula iakhawunti nge-DKB, uya kukwazi ukulawula iakhawunti yakho kwizixhobo zakho ezinjengeekhompyuter, ii-smartphones okanye iitafile kwaye uthumele iintlawulo ngokulula. Unokuqhagamshela iakhawunti yakho neGoogle Pay kunye neApple Pay ukusebenzisa iinkonzo zabo.

    Ukungalungi DKB Bank eJamani

    I-drawback yokuqala  kukuba yibhanki ye-intanethi kuphela. Akukho ofisi yesebe enabantu, yaye abanye abantu bayaluthanda olo nxibelelwano lobuqu. Ngokuqinisekileyo, kukho inkonzo yabathengi onokuyifumana kwifowuni iiyure ezingama-24 ngosuku, kodwa akunjalo. 

    Njengoko kungekho masebe, kunzima kakhulu ukufaka imali kwi-akhawunti.Uyakwazi ukusebenzisa imali ezinkozo ezivenkileni ukufaka imali ezinkozo kwiivenkile ezininzi kunye nokunye, nto leyo eneneni iluncedo kakhulu kunokuya ebhankini lonke ixesha.

    Enye into engalunganga kukuba kufuneka ube ngumsebenzisi osebenzayo, oko kukuthi, ubuncinci be-EUR 700,00 kufuneka bufakwe kwiakhawunti yakho nyanga zonke ukuze iakhawunti ihlale isimahla.

    Oku akufanele kube yingxaki ukuba umvuzo wakho uya kule akhawunti. Nangona i-akhawunti ye-DKB ikwasimahla ngokupheleleyo kubathengi abangenzi nto, imirhumo eyongezelelweyo inokusebenza kumazwe angaphandle ngaphandle kwe-Eurozone. 

    Iibhanki eJamani-Yonke into ofuna ukuyazi

    Ngeebhanki ezimalunga ne-1800, iJamani inezona zininzi eYurophu. Lo mahluko ubalulekile, ngakumbi xa kuthelekiswa namanye amazwe aseYurophu, iJamani ineebhanki ezimalunga ne-1000 ngaphezulu kunelizwekazi liphela. Ngaphaya koko, iJamani iqeshe i-26% yabantu abazizigidi ezi-2,2 kwiManyano yaseYurophu (EU) ngo-2020.

    Okwangoku, ishishini lebhanki laseJamani linemali emalunga ne-9,2 yetriliyoni yee-euro kwii-asethi zizonke. Baphinda bagxininisa uqoqosho lweli lizwe oludlamkileyo kunye nenkqubo eqinileyo yezemali neyokusebenza kwebhanki, nto leyo eyenza icandelo leebhanki libe lelinye lawona abalaseleyo ehlabathini.

    Ukuze siqonde inkqubo yebhanki eJamani, kufuneka siqale siziqhelanise neentlobo ezahlukeneyo zeebhanki ezisebenza kweli lizwe. EJamani, iibhanki zihlulwe zibe ziintlobo ezintathu: urhwebo, ukugcinwa kunye nentsebenziswano.

    Ngaphaya koko, nganye kwezi ntlobo zebhanki iwela kwelinye lamanqanaba amathathu, kwinqanaba lokuqala libandakanya iibhanki zabucala, zorhwebo kwaye elesibini libandakanya iibhanki zogcino-mali zikarhulumente; kunye noluhlu lwesithathu olubandakanya ookopolotyeni okanye iimanyano zamatyala.

    Inkqubo yebhanki yaseJamani

    Inkqubo yebhanki eJamani yakhiwe malunga neendidi ezintathu okanye amanqanaba, njengoko bekutshiwo ngaphambili. Ngenxa yoko, kuxhomekeke kwinkonzo yebhanki enikezelwa yibhanki, kufuneka iwele kwelinye lamanqanaba okanye iindidi zeebhanki. Nangona kunjalo, ekuphela kwemeko yibhanki engundoqo yelizwe, engaweli kulo naluphi na olu didi. I-Deutsche Bundesbank isebenza njengebhanki ephakathi yelizwe. Ukongeza, ibhodi yolawulo lwebhanki yelizwe yiFederal Financial Supervisory Authority.

    Iibhanki zorhwebo zabucala eJamani

    Olu hlobo lwebhanki lunokuthi luchongwe njenge "Geschäftsbanken", oku kuthetha "ibhanki yorhwebo" ngesiJamani. Bakwahlelwa njengeklasi yokuqala. Olu lolona didi lukhulu lweebhanki eJamani, lubalelwa kuma-40% ee-asethi zebhanki elizweni.

    Oku kuyamangalisa xa kuqwalaselwa ukuba kukho iibhanki zabucala ezingama-200 eJamani, nto leyo engabalulekanga xa kuthelekiswa nenani lilonke leebhanki. Ezi bhanki zabucala, zorhwebo zibonelela ngeenkonzo zebhanki zemihla ngemihla kunye namava kubantu kunye nakumashishini. Ngaphandle koko, benza njalo
    uncedo kulawulo lobutyebi notyalo-mali.

    Iibhanki ezingcono zabucala eJamani ziquka:

    • German Bank
    • Commerzbank
    • KfW Bank Group njl.

    I-Deutsche Bank ibekwe kwindawo engcono kakhulu xa kuziwa kwiimeko ze-asethi.

    Iibhanki ezilungileyo kakhulu eJamani

    Iibhanki zolondolozo zoluntu

    Ezi bhanki zikwinqanaba lesibini lenkqubo yebhanki yaseJamani. Ezi bhanki zincinci, iibhanki zasekuhlaleni ezizimeleyo ezinokufumaneka kwingingqi. Iibhanki zogcino lwengingqi zibizwa ngokuba yiSparkassen, enye njengeSparkasse, ngelixa iibhanki zogcino zengingqi zaziwa njengeLandesbanken.

    Zisixhenxe iiLandesbanken eJamani kwaye zisebenza njengeebhanki ezingundoqo zoluntu. Iibhanki zogcino-mali zoluntu zezezikarhulumente kwaye zilawulwa ngurhulumente. Ngoku kukho iibhanki zogcino-mali zikawonke-wonke ezingama-400 kweli lizwe kwaye zimele malunga ne-15% yee-asethi zebhanki zelizwe. Eyona nto iphambili ekugxilwe kuyo yibhanki yolondolozo lwemali lutyalo-mali lwasekhaya kunye noncedo lwemali kumashishini amancinci naphakathi.

    Eminye imizekelo yeebhanki zolondolozo lukawonke-wonke eJamani yile:

    • IBhanki yaBantu
    • Berliner Sparkasse
    • Frankfurter Sparkasse
    • Stadtsparkasse München njl.

     

    Iimanyano zamashishini okanye zamatyala

    Ezi bhanki zenza inqanaba lesithathu lenkqubo yebhanki yaseJamani. Ezi manyano zamatyala zaziwa njenge Kreditgenossenschaften. Kukho ngoku ngaphezulu kwe-1100 yeemanyano zamatyala ezisebenza eJamani. La maziko emali ajonge ukubonelela mboleko ezifikelelekayo abantu abanenzala ephantsi. Ukongeza, babonelela ngemilinganiselo yediphozithi engcono kunamaziko amakhulu emali.

    Ezi bhanki zakhiwe malunga nombono ongenzi nzuzo ovumela ukuba banike amazinga aphezulu kwiidiphozithi kunye namazinga aphantsi kwimali-mboleko. Ngaphaya koko, bakwanikezela ukufikelela kwiimveliso kunye neenkonzo ngeentlawulo eziphantsi.

    Iibhanki ezikwi-Intanethi

    Kukho ukhetho lokubhankisha kwi-intanethi kuwo onke amanqanaba eebhanki, ngoko ke iibhanki ezikwi-intanethi okanye iibhanki azenzi elinye inqanaba leebhanki eJamani. Ngaphandle koku, kukho ezinye iibhanki ezivelayo ezinokukhetha kuphela ibhanki ye-intanethi. Kukho imizekelo yeebhanki ezinjalo eJamani, ezizezi: DKB, Wise, Santander, Revolut njalo njalo.

    Iibhanki zaseJamani

    Iibhanki ezilungileyo kakhulu eJamani

    Ibhanki yeDeutsche

    I-Deutsche Bank ibekwe kwindawo engcono kakhulu ngempahla. Yasekwa ngo-1870 kwaye ikomkhulu layo liseFrankfurt. Ukususela kunyaka ophelileyo, i-2021, ibhanki yayinengeniso ye-495 yezigidi kunye nesiseko se-asethi ye-1,324 yezigidigidi. Inkonzo esisiseko yebhanki yibhanki yotyalo-mali. Iinkonzo ezongezelelweyo zemali ezibonelelwa liziko ziquka ulawulo lomngcipheko, ukurhweba kunye nokudibanisa kunye nokuthengwa, ukukhankanya ezimbalwa.

    DZ Bank 

    Le bhanki yasekwa kutshanje ngo-2002, kodwa ngoku yenye yezona bhanki zibalaseleyo eJamani. Ibhanki ngoku iqeshe malunga ne-30.000 yabasebenzi kwaye ine-asethi iyonke ye-596 yeebhiliyoni zeedola ngo-2020.

    Ibhanki ye-KfW 

    Ibhanki yasekwa kwi-1948 kwaye inikezela ngeenkonzo zemali ezibandakanya uncedo lweprojekthi, ibhanki yotyalo-mali kunye neenkonzo zokucebisa. Kwi-2017, ibhanki ifumene i-472,3 yeebhiliyoni zeebhiliyoni kwii-asethi ezipheleleyo, kwaye ngelo xesha lenze ingeniso ye-2,579 yezigidi.

    Commerzbank

    Ibhanki yasekwa ngo-1870 kwaye inolawulo olukhulu lwe-asethi eJamani. Ibhanki yayine-2021 yeebhiliyoni zee-asethi kwi-537,8 kunye ne-2,87 yezigidigidi ze-2020. Iinkonzo zezemali ezinikezelwa leli ziko ziquka ibhanki yotyalo-mali, ulawulo lwe-asethi kunye neenkonzo zezemali zorhwebo, ukukhankanya ezimbalwa.

    iibhanki ezingcono eJamani

    HypoVereinsbank (i-UniCredit Bank AG)

    Yasekwa ngo-1998, iinkonzo zemali zebhanki ziquka amava kwiibhanki zomntu kunye nezorhwebo eJamani, eYurophu, e-Asia, eKhanada nase-United States. Ibhanki inengeniso eshiyekileyo ye
    I-EUR 668 yezigidi ngo-2020 kunye ne-EUR 338,1 yeebhiliyoni kwii-asethi zizonke ngo-2020.

    Indawo yaseBayerische Landesbank (BayernLB)

    Iziko lezemali lasekwa ngo-1884 kwaye lihlala lelinye lawona madala eJamani. Iinkonzo ezinikezelwa yibhanki zezamashishini amakhulu. Imizekelo yeenkonzo ibandakanya ulawulo lwempahla yaloo mashishini kumacandelo ahlukeneyo, kubandakanywa izindlu nomhlaba kunye namaziko emali. Ngo-2021, ibhanki yayinexabiso elipheleleyo le-asethi ye-286,3 yeebhiliyoni zee-euro kunye nengeniso entsha ye-228 yezigidi zee-euro ngo-2020.

    Umhlaba webhanki Baden-Württemberg

    Le bhanki yorhwebo yasekwa ngo-1999. Amanani ayo aphambili abandakanya iimarike ezinkulu, inkxaso-mali yezindlu kunye nokubonelela ngeenkonzo zemali kubaxumi beshishini nababucala. Ngo-2020, ibhanki yayinengeniso eyi-172 yezigidi zeeyuro.

    Landesbank Hessen-Thüringen (Helaba)

    Le yiLandesbank, ibhanki yokonga yengingqi yoluntu. Ibonelela ngeenkonzo zemali kwiibhanki, iinkampani, amashishini amakhulu kunye neenkampani kwicandelo likarhulumente. Isebenza njengeziko eliphambili lokucoca kwiibhanki zokonga zaseJamani. Ngo-2020, yayinengeniso eyi-176 yezigidi zee-euro kunye ne-asethi iyonke ye-219,3 yeebhiliyoni zee-euro.

    INorddeutsche Landesbank (Nord / LB)

    Iinkonzo zemali ezibonelelwa leli ziko lezemali zijoliswe kubathengi abangaphakathi kumacandelo oshishino, abucala, amaziko kunye nakarhulumente. Ingeniso yayo eseleyo kwi-2017 yayiyi-85,1 yezigidi ze-euro, kwaye i-asethi yayo yonke kwi-2018 yayiyi-160 yeebhiliyoni ze-euro.

    Ibhanki ye-NRW

    Ibhanki isandul' ukusekwa ngo-2002 kwaye ibonelela ngeenkonzo zezimali ezifana ne-equity financing, iinkonzo zengcebiso, iimalike zenkunzi kunye neemali-mboleko ezithengisayo ezinenzala ephantsi. Ingeniso yayo eseleyo kwi-2016 yayiyi-263 yezigidi ze-euro, ngelixa i-asethi yayo iyonke yaba yi-147,6 yeebhiliyoni zee-euro kwi-2017.

    by | Jan 21, 2023 | Akohlulwanga

    iimeko ngetyala eJamani

    Iimeko zetyala eJamani

    Zininzi izizathu zokuthatha imali-mboleko eJamani. Mhlawumbi kufuneka uthenge indlu, mhlawumbi imoto okanye ufuna imadlana ukuze uqalise imbono yeshishini lakho. Konke kuvakala kulungile, kodwa ngenxa yoko kufuneka wazi izinto ezimbalwa malunga nemali-mboleko.

    yintoni schufa ngesiJamani

    Yintoni uSchufa?

    Schufa okanye inkampani yophando ngetyala ivavanya ukufaneleka kwetyalaImalunga nokufaneleka kwamatyala kwabathengi ukuze bazikhusele kwiintsilelo zetyala. Ime SCHUFA ithathwe kwibinzana elithi "Schutzgemeinschaft für Absatzfinanzierung" (umbutho okhuselayo wemali yokuthengisa), owasekwa ngo-1927.

    amakhadi okuthenga ngetyala eJamani

    Ikhadi letyala okanye elihlawulelwayo?

    Kukho iintlobo ezininzi zamakhadi kwimarike yaseJamani. Siza kukhankanya ezinye zazo. Ikhadi letyala elijikelezayo likhadi elinomlinganiselo ovunyiweyo wenkcitho yomntu omele ikhredithi ejikelezayo, okanye "eyazihlaziya". Umxhasi, ngokuhambelana neminqweno yakhe, uthatha isigqibo malunga nesixa semali-mboleko esiza kusetyenziswa, kwindlela kunye nesantya sokubuyisela imali mboleko.

    p2p ngetyala eJamani

    P2P mboleko eJamani

    Ukuboleka koontanga-kuontanga yindlela yokuthelekisa ababoleki kunye nababolekisi ngamaqonga e-intanethi. Ababoleki banokufikelela kwinkxaso-mali ngokukhawuleza kwaye badla ngenzala ephantsi kuneyo babonelelwa ziibhanki zabo zasekhaya, oko kuyenza ibe yindlela enomtsalane yokuboleka imali kwiibhanki.