みんなの銀行

みんなの銀行

Ukuthenga ngaphakathi nohlelo

Mayelana nalolu hlelo lokusebenza

・ Idijithali ngokuphelele, akukho ukuvakasha kwesitolo, akukho zimpawu, akukho imeyili njll.
・ Vula i-akhawunti amahora angama-24 ngosuku, izinsuku ezingama-365 ngonyaka


・ Idiphozithi kanye nokuhoxiswa kungenziwa kusetshenziswa i-smartphone
・ I-Virtual debit ikhishwa ngesikhathi esifanayo nokuvulwa kwe-akhawunti


・ Nciphisa amatheminali okuthengiselana abe yiwodwa futhi usebenzise izici eziningi zokuqinisekisa ukuvimbela ukusebenza okungagunyaziwe ngabantu besithathu
- Iyahambisana nokuqinisekiswa kwe-biometric njengezigxivizo zeminwe nobuso
◎Izinyathelo zokuphepha
https://www.minna-no-ginko.com/security/

[Imisebenzi eyisisekelo]
■Yonga imali/idiphozithi bese ukhipha imali
・ Idiphozithi kanye nokuhoxiswa kwemali kuma-ATM ayisikhombisa asebhange kulo lonke elaseJapan
・ Ngaphandle kwekhadi, ungafaka futhi ukhiphe imali usebenzisa i-smartphone yakho kuphela

●Uma ungaphansi kweminyaka engu-25 ubudala, "isaphulelo sika-U25 Z"
Izimali zokuhoxiswa kwe-ATM kanye nezimali zokudlulisa zimahhala izikhathi ezi-3 ngenyanga

■ Thumela imali

・ Izimali zokudlulisa zamahhala phakathi kwama-akhawunti asebhange kaMinna
・ Ungasetha ukudluliswa kwenani elingaguquki okuzenzakalelayo.


・ Isekela "I-Kotora Remittance" ekuvumela ukuthi uthumele imali ngaphandle kwezimali
・ Ungathumela imali usebenzisa inombolo yakho yocingo noma ikheli le-imeyili

[Isici esiyingqayizivele]
■ Ukuhlunga imali

・ Hlela imali yakho ngenjongo ngaphakathi kohlelo lokusebenza
・ Ungakhetha ngokukhululekile igama bese ulondoloza ngendlela othanda ngayo
・ Ukonga okuzenzakalelayo kuyatholakala nsuku zonke, masonto onke, nyanga zonke, kanye nonyaka

◎Isetshenziswa kanjani ngale ndlela
· Ukonga izinto ofuna ukuzithenga
・ Ukonga kusengaphambili ukuze ulungiselele izinkokhelo zanyanga zonke
・ Gcwalisa ukugcinwa kwemvilophu ngedijithali

■ Sebenzisa imali

・ Ihambisana ne-Google Pay™. Ingasetshenziselwa ukuthenga ku-inthanethi kanye nezinkokhelo zokuthinta ezitolo ezingamalungu e-JCB
- Khipha imali ngokushesha ku-akhawunti yakho phakathi nenani lebhalansi yediphozithi yakho, ukwenze kuzwakale njengokheshi ukuze uvimbele ukusebenzisa ngokweqile.
・ 0.2% yenani elisetshenzisiwe lizobuyiselwa ngemali

■Phatha imali
<“Rekhoda” ukuze urekhode ngokuzenzakalelayo>
- Bona ngeso lengqondo umnyakazo wemali njengokuhlola amabhalansi kanye nokuhoxiswa kweMinna no Bank nezinye izinkampani (amanye amabhange, ama-akhawunti ezibambiso, amakhadi esikweletu, imali kagesi, njll.)
-Kulula ukuyiqonda ngesibonisi segrafu. Yisebenzise njengencwadi ye-akhawunti yomndeni ngendlela elula yokuqonda imali engenayo kanye nezindleko

■ Thuthukisa imali
<“Ikhava” engadingi ntshisekelo esimeni esiphuthumayo>
・ Faka ngokuzenzakalelayo ibhalansi enganele efika ku-50,000 yen
・ Esikhundleni "sensizakalo yokukhokha ehlehlisiwe" lapho ungakhokha khona noma nini lapho ufuna
*Kudingeka ukubhaliswa kwe-Premium (600 yen ngenyanga).

◎Ngezikhathi ezinjengalezi
・ Ibhalansi enganele yokuhoxiswa kwe-ATM
・ Ngifuna ukukhokha manje
・ Vimbela ibhalansi enganele lapho ukhokha izikweletu zesevisi ngedebithi ebonakalayo

■boleka imali

· Awekho amadokhumenti adingekayo, vele ufake isicelo bese ufaka umholo wakho wonyaka
・ Uma ufaka isicelo, ayikho imeyili ethunyelwa ekhaya noma ehhovisi lakho, noma ucingo lokuqinisekisa ukuthi ungubani.
・ Imiphumela yokuhlolwa kwesikhashana izophendulwa ngosuku olufanayo ekuqaleni, futhi ungakwazi ukuboleka ngalo lolo suku ngemva kokusayina inkontileka.
・ Izinkokhelo ezinenzalo kuphela nazo zingenzeka. Kulula ukuyisebenzisa ngisho nakubasebenzisi bokuqala
・ Inani eliphakeme: kufika ku-yen ezigidini eziyi-10, izinga lenzalo yonyaka: 1.5% ukuya ku-14.5%
・ Isikhathi sokusebenzisa: unyaka ongu-1 (ukuvuselela okuzenzakalelayo)
*Izinga lenzalo lizonqunywa ibhange lethu ngemva kokuhlolwa.
Indlela yokukhokha: Ungakwazi ukukhokha isikhathi ngasinye usebenzisa uhlelo lokusebenza. Buyisela inani elincane lokubuyisela elinqunywe ekuqaleni kwenyanga (inani lenzalo kusukela osukwini lokuqala ukuya osukwini lokugcina lwenyanga edlule) ekupheleni kwenyanga. Uma inkokhelo ingenziwanga, inani lokukhokha elihleliwe lizodonswa ngokuzenzakalelayo ku-akhawunti yakho yokonga.
◎ Uhlolojikelele lomkhiqizo wemalimboleko
https://www.minna-no-ginko.com/common/pdf/loan_gaiyo.pdf
*Sicela uhlole imanuwali yokubuka konke komkhiqizo ukuze uthole imininingwane.

■ Sebenzisa ngenani elihle
<“I-Premium” ukuze uthole inkululeko eyengeziwe ngamayen angu-600 ngenyanga>
・ Izimali zokuhoxiswa kwe-ATM kanye nezimali zokudlulisela kwamanye amabhange zimahhala kuze kube izikhathi eziyi-10 ngenyanga
・ Buyela emuva u-1% wenani lokusetshenziswa kwekhadi ledebhithi
・ Umshwalense wokuthenga (wasekhaya) uhlanganisa nemikhiqizo ethengwe ngekhadi lasebhange
・ Ungafaka isicelo sekhava ezenzakalelayo (i-overdraft) efika ku-50,000 yen.
Izinga lenzalo elijwayelekile lediphozithi yokonga lenyuke ngo-+0.2% laya ku-0.3% (0.239% ngemva kwentela)
*0.1% kumalungu angewona ama-premium (0.079% ngemva kwentela)
*Izilinganiso zenzalo ezingenhla ziyizilinganiso zenzalo zonyaka. Kuncike ekushintsheni ngenxa yemibandela yezinga lenzalo yemakethe, njll.
*Amadiphozithi angenhla ambozwa umshwalense wediphozithi futhi azovikelwa ngaphakathi kwesikhala salo mshwalense.
*Isikhathi sokunikezwayo
・ Ibuyekezwa ngokuzenzakalelayo inyanga engu-1 kusukela ngedethi yokuqala
・ Uma ungakukhanseli ukubhalisa kwakho okungenani amahora angu-24 ngaphambi kokuphela kwesikhathi senkontileka, kuzovuselelwa ngokuzenzakalelayo futhi kuzokhokhiswa imali yanyanga zonke.
*Indlela yokukhokha
- Khokhisa ku-akhawunti yakho ye-Google usebenzisa indlela yokukhokha emisiwe.
*Ungakhansela kanjani
・ Ukukhipha uhlelo lokusebenza ngeke kukhansele ukubhalisa. Sicela ukhansele ku-akhawunti ye-Google ethengwe ku-Google Play Isitolo.
◎ Izinyathelo zokukhansela ukuthenga okuvamile nokuhlola isimo senkontileka
I-Google Play Store > Isithonjana sephrofayela phezulu kwesokudla > "Inkokhelo nokubhalisa"> "Okubhaliselwe"> "Ukubhalisa"> Minna no Bank PREMIUM > "Khansela ukubhalisa"

■Kunconyelwe laba bantu
・Anginaso isikhathi sokuya ebhange
・ Ngifuna ikhadi elingasetshenziswa ukuthenga ngokushesha
・ Ngifuna ukuqala ukuphatha imali
・ Ngifuna ukuqala ngaphandle kwemali
・ Ngifuna ukonga ezindlekweni zasebhange


ISINYATHELO1: Faka ulwazi lwekhasimende
ISINYATHELO 2: Layisha amadokhumenti okuqinisekisa umazisi
ISINYATHELO 3: Ukuqinisekiswa kwevidiyo yokuqinisekisa ubuwena
ISINYATHELO 4: Izilungiselelo zokungena


UMinna no Bank, Ltd. uyilungu le-Fukuoka Financial Group, Ltd., iqembu lezezimali lesifunda elikhulu kunawo wonke e-Japan.


・ I-Virtual debit, ikhava, kanye nemalimboleko ingase ingatholakali kuye ngemiphumela yokuhlolwa.
- Ingasetshenziswa kuphela abantu abaneminyaka engu-15 ubudala noma ngaphezulu (akusebenzi kubantu abangaphansi kweminyaka engu-15 ubudala, amabhizinisi afanelekayo e-FATCA, amabhizinisi afanelekayo e-CRS, ama-PEP, abokufika, izinhlangano, izinhlangano/izisekelo ezingenalo igunya lomthetho, nezinhlangano zokuzithandela )


・ Uma usebenzisa uhlelo lokusebenza lwe-Minna no Bank, sicela uhlole imigomo yokusebenzisa kanye nesimemezelo sokuvikela imininingwane yomuntu.
Imigomo yokusebenzisa: https://corporate.minna-no-ginko.com/term-of-use/
Isimemezelo sokuvikela imininingwane yomuntu siqu: https://corporate.minna-no-ginko.com/privacy/

・ Uma unemibuzo, izicelo, noma izinkinga ngohlelo lokusebenza, sicela usithinte ngezansi.
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