Kawg tau koj xav paub meej tias koj hom bank account twg zoo rau koj lub tswv yim? Nyeem kom tas thiab paub tshaj!
Yog Koj Tsis Muaj Bank Account, Koj Puas Tau Hnov Qab No?
Kuv nco ntsoov thaum kuv tseem nyuam qhuav, kuv niam txiv tau muab kuv mus qhib ib daim Savings Account (li cas bank account) rau kuv. Kuv xav tias nws yog qhov chaw nyob ib bank uas kuv yuav sau npe kuv lub npe thiab tau ib daim debit card. Tab sis thaum kuv loj hlob, kuv tau nkag mus ua haujlwm thiab tau qhib Current Account (li cas bank account) rau kev ua lag luam. Kuv pom tias muaj ntau qhov sib txawv uas kuv tseem tsis paub dhau los.
Yog li ntawd, hnub no kuv xav kom peb sib koom tes, pab pab nhau nkag siab txog kev sib txawv ntawm current account, savings account, thiab fixed deposit. Qhov no yuav pab koj xaiv tau hom account zoo rau koj lub tswv yim, txoj haujlwm, thiab kev npaj rau hnub no.
Daim Ntawv Qhia Txog Kev Sib Txawv: Current Account vs. Savings Account vs. Fixed Deposit
| Kev Tshawb Fawb | Current Account (Li Cas Bank Account) | Savings Account (Li Cas Bank Account) | Fixed Deposit (Li Cas Bank Account) |
|---|---|---|---|
| Lub Tswv Yim | Ua haujlwm, muab nqi ntau, tso nqi ntau | Khaws cia, sau ib tsab nqi sib npaug | Khaws cia rau lub sij hawm kawg, muab tau tub nqi |
| Tso Nqi | Tsis muaj txwv, tso nqi ntau yam | Muaj txwv (feem ntau 3-6 lub hlis) | Tsis tau tso nqi thib txiav txim siab tseg |
| Tub Nqi / Interest | Feem ntau tsis muaj tub nqi lossis muaj me me | Muaj tub nqi, tab sis me me | Muaj tub nqi siab tshaj plaws |
| Kev Siv Debit / Credit Card | Muaj, thiab muaj ntau yam kev pab cuam | Feem ntau muaj debit card | Tsis muaj |
| Nqi Kev Tswj Xwm | Muaj, yog tias tsis muaj nqi nyob | Muaj me me, yog tias tsis muaj nqi nyob | Tsis muaj |
| Kev Khaws Cia Nqi | Tsis muaj txwv | Muaj txwv | Muaj txwv (yuav tsum muaj nqi thib txiav txim siab) |
| Yog Leej Twg Zoo? | Cov neeg ua haujlwm, tus neeg ua lag luam | Cov neeg khaws cia nqi me me, xav muab tub nqi me me | Cov neeg xav khaws cia nqi ntau hnub, xav muab tub nqi siab |
1. Current Account (Li Cas Bank Account): Koj Tus Pheb Ua Haujwm
Current Account yog hom bank account uas muaj tso nqi ntau yam thiab tsis muaj kev txwv. Nws yog qhov chaw uas koj tuaj yeem siv los tso nqi ntau, txais nqi ntau, thiab ua kev sib raug zog ntau yam xws li muab nqi rau cov neeg ua haujlwm, hnav nqi hluav taws xob, lossis muab nqi rau cov khoom lag luam.
Piv txwv: Kuv tau qhib ib daim current account thaum kuv pib ua kuv lub tuam txhab. Kuv yuav tau siv nws los:
- Muab nqi rau kuv cov neeg ua haujlwm
- Txais nqi los ntawm cov neeg muas kuv cov khoom lag luam
- Hnav nqi hluav taws xob, dej, thiab internet
- Siv nws los ua kev sib raug zog nrog lwm tus neeg ua lag luam
Koj puas tau hnov tias current account tsis muaj tub nqi? Yog, feem ntau current account tsis muaj tub nqi lossis muaj me me. Vim li cas? Vim nws yog qhov chaw uas koj tso nqi ntau, tsis yog khaws cia. Bank tsis xav muab nqi rau koj vim koj tsis khaws cia nqi ntau hnub.
Yog leej twg yuav siv current account?
- Tus neeg ua lag luam
- Cov koom haum
- Cov neeg ua haujlwm uas muaj kev tso nqi ntau
2. Savings Account (Li Cas Bank Account): Koj Tus Pheb Khaws Cia
Savings Account yog hom bank account uas neeg ntau paub tshaj plaws. Nws yog qhov chaw uas koj khaws cia koj cov nqi thiab muab tau tub nqi me me. Nws muaj kev txwv tso nqi, uas feem ntau tsis tso nqi ntau tshaj 3-6 lub hlis.
Piv txwv: Thaum kuv yau, kuv niam txiv tau muab kuv mus qhib savings account. Kuv tau khaws cia kuv cov nqi los ntawm kuv niam txiv muab, thiab thaum kuv loj hlob kuv tau siv nws los khaws cia kuv cov nqi ua haujlwm. Kuv tau muab debit card los ntawm bank, uas kuv siv los yuav khoom thiab tso nqi.
Koj puas tau paub tias savings account muaj tub nqi? Yog, savings account feem ntau muaj tub nqi, tab sis nws tsis siab. Vim li cas? Vim bank xav khwv kom koj khaws cia nqi ntau nrab, tsis yog tso nqi ntau. Bank yuav muab koj cov nqi mus muab lwm tus nqi, thiab muab ib feem nqi rau koj.
Yog leej twg yuav siv savings account?
- Cov neeg yau uas pib khaws cia
- Cov neeg uas xav muaj qhov chaw khaws cia nqi me me
- Cov neeg uas xav siv debit card
3. Fixed Deposit (Li Cas Bank Account): Koj Tus Pheb Npaj Rau Hnub No
Fixed Deposit yog hom bank account uas koj khaws cia nqi rau ib lub sij hawm kawg (1 hli, 6 hlis, 12 hlis, los sis ntau nrab). Thaum koj khaws cia, koj tsis tau tso nqi thib txiav txim siab tseg. Yog koj tso nqi, koj yuav raug cob nqi.
Piv txwv: Kuv tau khaws cia kuv cov nqi ua fixed deposit thaum kuv xav npaj nqi mus kawm ntawv. Kuv tau khaws cia rau 12 lub hlis, thiab thaum kuv kawm tas, kuv tau tau kuv cov nqi rov qab thiab tau tub nqi siab. Qhov no ua rau kuv muaj nqi ntau ntxiv mus kawm ntawv.
Koj puas tau paub tias fixed deposit muaj tub nqi siab tshaj? Yog, fixed deposit feem ntau muaj tub nqi siab tshaj plaws. Vim li cas? Vim koj khaws cia nqi rau lub sij hawm kawg, bank tuaj yeem siv koj cov nqi mus muab lwm tus nqi thiab muab tub nqi siab rau koj.
Yog leej twg yuav siv fixed deposit?
- Cov neeg uas xav khaws cia nqi ntau hnub
- Cov neeg uas xav muab tub nqi siab
- Cov neeg uas npaj nqi rau qee yam xws li kawm ntawv, muaj tsev, lossis ua kev sib tw
Kev Xaiv Zoo: Koj Hom Account Twg?
Yog koj yog tus neeg ua haujlwm lossis tus neeg ua lag luam:
- Koj yuav tsum muaj current account. Nws yuav pab koj tswj koj cov nqi lag luam thiab ua kev sib raug zog ntau yam.
Yog koj yog tus neeg khaws cia nqi me me:
- Koj yuav tsum muaj savings account. Nws yuav pab koj khaws cia nqi thiab muaj debit card.
Yog koj muaj nqi ntau thiab xav khaws cia rau hnub no:
- Koj yuav tsum muaj fixed deposit. Nws yuav pab koj muab tub nqi siab thiab npaj nqi rau lub neej tom ntej.
Nyeem Ntxiv: Kev Nkag Siab Txog Bank Accounts
Yog koj xav nkag siab ntxiv txog bank accounts, koj tuaj yeem nyeem ntxiv ntawm Federal Reserve lossis Investopedia. Qhov no yuav pab koj nkag siab txog kev tswj xwm thiab kev muab tub nqi.
FAQ: Cov Lus Nug Uas Neeg Ntau Nug
1. Kuv puas tuaj yeem muaj ob hom account?
- Yog, koj tuaj yeem muaj ntau hom account. Piv txwv li, koj muaj savings account rau kev khaws cia nqi me me thiab fixed deposit rau kev khaws cia nqi ntau hnub.
2. Kuv puas yuav tsum muaj nqi ntau los qhib fixed deposit?
- Tsis tas li, feem ntau bank muaj qhov nqi thib txiav txim siab uas yuav tsum muaj, tab sis nws tsis ntau. Koj tuaj yeem nug koj lub bank.
3. Kuv puas tuaj yeem tso nqi thaum kuv khaws cia fixed deposit?
- Tsis tau, thaum koj khaws cia fixed deposit, koj tsis tau tso nqi thib txiav txim siab tseg. Yog koj tso nqi, koj yuav raug cob nqi.
4. Kuv hom account twg muaj tub nqi siab tshaj?
- Fixed deposit muaj tub nqi siab tshaj plaws, tom qab ntawd savings account, thiab current account tsis muaj tub nqi.
5. Kuv puas yuav tsum hnav nqi rau bank account?
- Feem ntau, yog tias koj muaj nqi nyob hauv koj account, koj tsis yuav hnav nqi. Tab sis yog tias koj tsis muaj nqi nyob, koj yuav hnav nqi.
Xaus: Koj Hom Account Twg?
Thaum peb tos taug, peb pom tias txhua hom bank account muaj lub tswv yim thiab kev pab cuam. Current account yog qhov chaw ua haujlwm, savings account yog qhov chaw khaws cia, thiab fixed deposit yog qhov chaw npaj rau hnub no.
Yog li ntawd, koj hom account twg? Koj puas muaj savings account? Koj puas xav qhib fixed deposit? Koj puas muaj current account rau koj lub tuam txhab?
Cia peb sib koom tes, pab nhau nkag siab txog kev tswj xwm thiab kev khaws cia. Thov tsis txhob hnov qab, nug koj lub bank lossis nyeem ntxiv ntawm Consumer Financial Protection Bureau yog koj muaj lus nug.
Ua tsaug rau koj qhov ze! Thov nyeem peb lub blog ntxiv thiab qhia rau koj cov phooj ywg!