Idiphozi yokuqoqa ehlekayo nekhono lokubuyisela kabusha

Wonke umuntu wesikhathi sethu akakwazi neze ukucabanga isikhathi lapho imali eqoqwe khona ebhangi lamaglasi, kunokuba ivulekele futhi ivuke nezikhungo zezezimali. Kuze kube manje, kunezinhlangano ezinokwethenjelwa nezaneleyo ezinikezela ngamasevisi ahlukahlukene, isibonelo:

• Ukuthola isikweletu;
• Ukubhaliswa kwekhadi lesikweletu;
• Ukuvula i-akhawunti yekhadi;
• Ukubhaliswa kwediphozi.

Ukugcinwa kokulondolozwa ngethuba lokubuyisela kabusha mhlawumbe uhlobo oludumile kakhulu lokufaka imali phakathi kwabathengi. Ngakho-ke, lisetshenziselwa izingxenye eziningi zabantu.

Okulungile imali yokugcina imali kanye nokuhlelwa kabusha

Akumangalisi ukuthi yilolu hlobo lokutshala imali lwemali olukhethwa yiziningi. Ngoba inikeza ithuba:

• Thola imali evela kumali echaziwe. Ukugcinwa kwezimali okulondolozwe ngethuba lokubuyisela kabusha kukuvumela ukuba uthole inzalo inyanga ngayinye ekhadini noma ngokuhoxiswa ekupheleni kwesikhathi.
• Futhi, ukuvula idiphozi, engagcwaliswa, inikeza ithuba lokuqoqa inani elidingekile lokuthenga okukhulu, ngaphandle kokugcina imali ekhaya noma esikhwameni.
• Uma uvula isivumelwano sephoyisithi, esingakhuphuka, kungenzeka ukuthi wenze iminikelo yesamba esinqunyiwe noma lokho umnikazi wediphozi ebona kuyadingeka. Lokhu kuzosiza ukubeka yonke imali yamahhala emsebenzini.
• Futhi, idiphozi ephindaphindiwe izovula ithuba lokuqoqa imali nokuthuthukisa isimo sayo sezezimali. Ngemuva kwalokho, umuntu oye wafaka idiphozi angakwazi ukuhlela ukuphila okunye.

Yiziphi izinkinga zokulondoloza okunjalo

Ngokuvamile, idiphozi engakhuphuka ngokulingana, azikho ukwehluleka. Okuwukuphela kwento, uma wenza ukubheja emalini eqoqelekile kanye nethuba lokugcwalisa futhi ukuhoxiswa, kukhona isilingo sokulinda kuze kube yilapho imali edingekayo iqoqwe. Ngakho-ke, uma kunenhloso yokuhlehlisa imali ethile, kungcono ukuvula ithuluzi lebhange lapho ukuhoxiswa okungenzeki khona. Kuvele sekudingekile ukubheka isimo.

Ukulondolozwa kugcinwe kumabhange ahlukene

Yiqiniso, izikhungo ezehlukene zezezimali zinikela ngemigomo kanye nezithakazelo zemali kwidiphozi. Futhi, ngamunye wabo unedumela elithile. Nakhu ibhizinisi lomtshali, ukuthi ibhange lingathanda ukulikhetha.

Ukulondolozwa kugcinwe ukuthi kungenzeka ukugcwaliswa kabusha ku-Savings Bank

Ibhange linikeza izimo ezithakazelisayo nezithembekile kumakhasimende ayo. Kulesi sikhungo ungavula idiphozi kunoma iyiphi imali (i-dollar, i-euro, i-ruble yaseRussia). I-depositor ngayinye ikhetha ngokuzikhethela izimo zediphozi kuye ngezidingo zakhe. Yini engafana kudiphozi:

• Isikhathi sokubekwa.
• Inani le-Deposit.
• Ukutholakala kokubuyiswa kabusha.
• Ukukwazi ukususwa.
• Inkokhelo yokukhokha inzalo (ngenyanga noma ekugcineni kwesikhathi sokufaka imali).

Uma kuziwa kwidiphozi eguquguqukayo engakwazi ukugcwaliswa futhi ihoxiswe kancane, izinga lesithakazelo eSberbank liyoba:

• E-rubles - kusuka ku-5.67 kuya ku-6.58%;
• EmaRandi - kusuka ku-0.01 kuya ku-1.18%
• E-euro - kusuka ku-0,01 kuya ku-0,21%.

Yiqiniso, izinga lokugcina likhulu kakhulu, kodwa kungenzeka ukuthi ukubuyiswa kabusha kuvula indlela yokuqoqa imali edingekayo.

Idiphozi ehlanganisiwe nekhono lokugcwalisa kabusha: "VTB 24"

Leli bhange likhethwa ngabathengi abaningi bezinsizakalo zebhange. Ngakho-ke kubalulekile ukujwayelana nezibambiso zalesi sikhungo sezezimali. Imigomo yokushintsha kwediphozi ifana nalezo ezivezwe kwamanye amabhange, okungukuthi: isikhathi, inani, ukukhokha inzalo, ikhono lokugcwalisa noma ukuhoxisa ingxenye noma ngokuphelele. Ngokwesilinganiso, kuye ngezimo ezikhethiwe, idiphozi yokwengezwa ihlanganisa amanani entengo alandelayo:

• Ngo-rubles waseRussia - kusuka ku-5 kuya ku-8.6%;
• EmaRandi ase-US - kusuka ku-0.01 kuya ku-1.16%
• E-euro - kusuka ku-0,01 kuya ku-0,19%.

Njengoba ubona, amazinga emabhange ahlukene afana nalokho, ngakho into ebaluleke kakhulu ukukhetha isikhungo sezezimali osithembayo.

Izinzalo zenzalo kumalipho yokuqoqa

Ngokuvamile, uma ubheka izibalo zamabhange, imali yokugcina imali ngekhono lokubuyiswa kabusha ngenani lesithakazelo lihlukile kancane. Okungafani kungaba isikhungo sezezimali njenge- credit union noma inkampani encane yangasese. Noma kunjalo, ungasheshi ukubhekana namazinga aphezulu. Imibandela enjalo, ngokuphambene, kufanele ivuse ukusola nokungabaza. Kungani izigxobo eziphakeme? Mhlawumbe ibhange idinga imali ngokuphuthumayo noma kuthatha ikhomishini ephezulu yemikhiqizo yezikweletu? Uma ukhetho lwesibili, ungathumela, futhi uma okokuqala, udinga ukucabanga ukuthi izimali zakho zizophepha kule sikhungo.

Kwakungolwazi lokucabanga. Emabhange amanani ajwayelekile ayenziwa ngabantu, inzalo yenzalo cishe:

• E-ruble - kusuka ku-4.5 ukuya ku-9%;
• EmaRandi - kusuka ku-0,01 kuya ku-0,25%;
• E-euro - kusuka ku-0.01 kuya ku-1%.

Ukuzikhethela, kunjalo, kungokwakho. Futhi ukuze ukhethe idiphozi yokulondoloza inzuzo kunawo wonke amathuba okubuyiswa kabusha, udinga ukutadisha ngokucophelela izimo zazo zonke izikhungo zezimali ozilungiselele ukubeka izimali.

Isebenza kanjani

Uhlelo lokubuyiswa kwemali ephansi luyinto elula futhi eqondakalayo ngisho nakwabantu abangenalwazi. Inani elithile lemali lifakwa kwi-akhawunti ye-deposit, lesi samba sinquma ngokuqondile ukuthi isilinganiso sokuqala senzalo siyakuba yini. Kulo diphozithi kukhona ithuba lokukhetha inani elinqunyiwe noma elingenamkhawulo lamayunithi angabhalwa esikhathini esithile. Ngendlela, kulula kakhulu ukusebenzisa ukufinyelela okude ku-akhawunti ehhovisi lakho le-intanethi. Lokhu kuzovumela ukubuyiswa kwediphozi, ngaphandle kokuvakashela isikhungo sebhange. Ngakho-ke, ungagcina imali, ngisho nokuba kude kwedolobha noma izwe.

Isithakazelo esivela kudiphozithi singayithola njalo ngenyanga, sithole ngokushesha inzuzo, noma ekupheleni kwesikhathi, ukuze inani lemali eyothola libe likhulu kakhulu. Ungakwazi futhi ukushintsha ibhalansi kwi-akhawunti ye-deposit, isibonelo, uma kunesidingo, ungakwazi ukuhoxisa imali, futhi uma kungenjalo, bese uyibuyisela.

Yiziphi ezinye izindlela ezikhona ekulondolozeni izimali okunjalo

Mhlawumbe, azikho izinketho ezihloniphekile ezingashintsha idiphozi yokulondoloza ngethuba lokubuyisela kabusha. Kuyinto engenangqondo ukugcina imali ekhaya. Okokuqala, kuyingozi, futhi kukhona ingozi yokuba, futhi okwesibili, ngakho-ke imali ayisebenzi. Gcina ukugcina kwakho esitokisini ebhange kuyinto enhle yokuphepha. Noma kunjalo, ngale ndlela, hhayi ukuthi akukho imali engenayo, kodwa futhi nezindleko ezengeziwe, okumele zikhokhwe nyanga zonke noma ngonyaka ukuze ziphephile esikhungweni sezimali.

Ukuthanda imali yakho, ngokuhlakanipha nokusebenzelana ngamabomu, khona-ke zonke izinkinga ziyokhohlwa, impilo entsha, mahhala izoqala.