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 posi, akukho ukuthunyelwa.
・ Vula i-akhawunti amahora angama-24 ngosuku, izinsuku ezingama-365 ngonyaka

＜Yenza kube lula futhi unciphise inani lezinto oziphethe ngaphandle kwekhadi＞
・ Idiphozithi kanye nokuhoxiswa kungenziwa kusetshenziswa i-smartphone
・ Ikhadi ledebithi elibonakalayo elikhishwe ngesikhathi esifanayo nokuvulwa kwe-akhawunti


・ Nciphisa amatheminali okuthengiselana kube yinye futhi usebenzise izici eziningi zokuqinisekisa ukuvimbela ukusebenza okungagunyaziwe ngabantu besithathu
- Iyahambisana nokuqinisekiswa kwe-biometric njengezigxivizo zeminwe nobuso
◎Mayelana nezinyathelo 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, "isaphulelo sika-U25 Z"
Izimali zokuhoxiswa kwe-ATM kanye nezimali zokudlulisa zimahhala izikhathi ezingama-33 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.
・ Imbuyiselo engu-0.2% yenani elisetshenzisiwe eliyikheshi

■Phatha imali
<“Rekhoda” ukuze urekhode ngokuzenzakalelayo>
・ Bona ngeso lengqondo ukuhamba kwemali, njengokuhlola ibhalansi yempahla kanye nokukhipha amanani e-Minna no Bank nezinye izinsiza zezinkampani (amanye amabhange, ama-akhawunti ezibambiso, amakhadi esikweletu, imali ye-elekthronikhi, ama-IC wezokuthutha, 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
・ Ingasetshenziswa njengenye indlela "yesevisi yokukhokha ehlehlisiwe" lapho ungakhokha khona noma nini
*Ukubhalisela isevisi ye-premium (600 yen ngenyanga) kuyadingeka.

◎Ngezikhathi ezinjengalezi
・ Ibhalansi enganele yokuhoxiswa kwe-ATM
・ Ngifuna ukukhokha manje
・ Ukuvimbela ibhalansi enganele lapho udonsa izindleko zezinsiza lapho ukhokha idebhithi
・ Vimbela ibhalansi enganele lapho ukhokha izikweletu zesevisi ngekhadi ledebithi elibonakalayo

■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 eliphezulu: 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. Buyisela inani lenkokhelo ehleliwe (inani lenzalo kusukela osukwini lokuqala lwenyanga edlule kuya osukwini lokugcina lwenyanga edlule) ngosuku lokugcina lwenyanga ngayinye usebenzisa uhlelo lokusebenza. Uma inkokhelo ingenziwanga, inani lokubuyisela elihleliwe lizodonswa ngokuzenzakalelayo ku-akhawunti yokonga yekhasimende ukuze likhokhwe.
◎ Uhlolojikelele lomkhiqizo wemalimboleko
https://www.minna-no-ginko.com/common/pdf/loan_gaiyo.pdf
*Ukuze uthole imininingwane eyengeziwe, sicela uhlole ikhasi lemalimboleko kanye nemanuwali yokubuka umkhiqizo.

■ Sebenzisa ngenani elihle
<“I-Premium” ukuze uthole inkululeko eyengeziwe ngamayen angu-600 ngenyanga>
・ Izimali zokuhoxiswa kwe-ATM kanye nezimali zokudlulisela kwamanye amabhange zimahhala izikhathi ezifika kweziyi-10 ngenyanga
・ Buyela emuva u-1% wenani lokusetshenziswa kwekhadi ledebhithi
・ Umshwalense wokuthenga (wasekhaya) uhlanganisa nemikhiqizo ethengwe ngekhadi lasebhange
・ Ungafaka isicelo sekhava (isevisi ye-overdraft) ethuthukela ngokuzenzakalelayo ifike ku-50,000 yen.
・ Izinga lenzalo yediphozithi yokonga lizokhuphuka lifinyelele ku-0.30% kuze kube uSepthemba 1, 2024, kanye no-0.40% kusukela ngoSepthemba 2, 2024, ngokwengezwe ngo-0.20% enanini lenzalo eliyisisekelo!
*Kumalungu angewona ama-premium: 0.10% kuze kube uSepthemba 1, 2024, 0.20% kusukela ngoSepthemba 2, 2024
*Izilinganiso zenzalo ziboniswa ngaphambi kwezinga lenzalo yonyaka kanye nentela. Inzalo ingaphansi kwentela engu-20.315% okuhlanganisa nentela engenayo ekhethekile ukuze kwakhiwe kabusha.
*Izilinganiso zenzalo ezingenhla ziyizilinganiso zenzalo zonyaka. Kuncike ekushintsheni kuye ngezimo zenzalo yemakethe, njll.
*Amadiphozithi angenhla ambozwa umshwalense wediphozithi futhi azovikelwa ngaphakathi kwesikhala salo mshwalense.
*Isikhathi sokunikezwayo
・ Ibuyekezwa ngokuzenzakalelayo inyanga engu-1 kusukela ngedethi yokuqala
・ Ivuselelwa ngokuzenzekelayo okungenani amahora angu-24 ngaphambi kokuphela kwesikhathi senkontileka Uma ungakukhanseli ukubhalisa kwakho, kuzovuselelwa ngokuzenzakalelayo futhi uzokhokhiswa imali yanyanga zonke.
*Indlela yokukhokha
・ Uzokhokhiswa nge-akhawunti yakho ye-Google usebenzisa indlela yokukhokha oyimisile.
*Ungakhansela kanjani
・ Ukukhipha uhlelo lokusebenza ngeke kukhansele ukubhalisa. Sicela ukhansele kokuthi "Izinkokhelo Nokubhaliselwe" kwe-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"> "I-Minna no Bank PREMIUM > "Khansela ukubhalisa"

■Kunconyelwe laba bantu
・Anginaso isikhathi sokuya ebhange
・Ngifuna ikhadi lokukhokha engingalisebenzisa ngokushesha uma ngithenga.
・ Ngifuna ukuqala ukuphatha imali
・ Ngifuna ukuqala ngaphandle kwemali
・Angifuni ukuphatha isikhwama sami semali
・ Ngifuna ukonga ezinkokhelweni zasebhange


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


I-Minna no Bank Co., Ltd.
uyilungu le-Fukuoka Financial Group Co., Ltd., iqembu lezezimali lesifunda elikhulu kunawo wonke e-Japan.
6-27 Nishinakasu, Chuo-ku, Fukuoka City, Fukuoka Prefecture


・ Amakhadi edebithi abonakalayo, amakhava, nemalimboleko ingase ingatholakali kuye ngemiphumela yokuhlolwa.
- Ingasetshenziswa kuphela abantu abaneminyaka engu-15 noma ngaphezulu (akusebenzi kubantu abangaphansi kweminyaka engu-15 ubudala, izinhlangano ezifanele i-FATCA, amabhizinisi afanelekayo e-CRS, ama-PEP, abokufika, izinhlangano, izinhlangano/izisekelo ezingenalo igunya lomthetho, nezinhlangano zokuzithandela )
・ Sicela uhlole iwebhusayithi esemthethweni ukuthola imininingwane yakamuva: https://www.minna-no-ginko.com/


・ 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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