Iminikelo enenzuzo kakhulu: ukubuka konke, izimo, amaphesenti nokubuyekezwa

Amabhange anamuhla anikezela izinhlelo eziningi ezehlukene. Ngamunye wabo unezimo zakhe, ngakho-ke isithakazelo kuzo sizohluka. Kodwa kuzo zonke izikhungo zezezimali kukhona inzuzo ekhokhelwa ukuzuza inzuzo ephakeme. Ukuze ukhethe inhlangano ethembekile, udinga ukucabangela ezinye izinto.

Ukukhetha ibhange

Imali ekhokhelwa inzuzo kakhulu kumele ibhaliswe ebhange elithembekile. Kuze kube manje, izikhungo zezimali njengeSberbank ne-VTB24 zithandwa. Abaningi bakholelwa ukuthi lezi zinhlangano ngeke zithinteke ngokushiyeka, ngakho-ke ngesibindi zithwala izimali zabo ezingenzweni ezithandekayo. Kodwa ibhange elinokwethenjelwa linye elibandakanya ohlelweni lomshuwalense wesimo sombuso .

Ngisho noma isikhungo sezezimali sishaywa phansi noma ilayisense yayo ichithwa, abakhokhethi bayobe besathola imali yabo. Inkokhelo enkulu emshuwalense ingu-1 400 000 ruble. Ngakho-ke, kungcono ukuhlukanisa inani bese ulitshala emabhange amaningana. Ubufakazi bamaklayenti bubonisa ukuthi kubalulekile ukutshala izimali kuphela emva kokuhlola okuphelele kwesikhungo sezezimali. Khona-ke awukwazi ukukhathazeka ngokuphepha kokonga kwakho.

Khetha ibhidi

Izindleko ezikhokhelwayo zinenani elifanayo. Kodwa amaphesenti aphezulu akusho ukuthi inzuzo. Konke kuncike ngobukhulu bomthamo nesilinganiso esikhokhisiwe. Kufanele kukhunjulwe ukuthi ubukhulu besithakazelo buxhomeke kubude bokugcina kwesamba. Ngokuvamile, izikhungo ezinkulu zezezimali zibeka isilinganiso esincane kumadiphozi, nezinhlangano ezincane ziheha amakhasimende ngamaphesenti amakhulu. Kodwa kubalulekile ukukhetha ngokucophelela isikhungo, njengoba amanye amabhange angahlanganyeli ohlelweni lomshuwalense. Kubalulekile ukukhetha izinhlangano eziphakathi, lapho izinga liphakathi kuka-14-18%. Iphesenti iyantantayo futhi ihleliwe. Izinguquko zokuqala ekuqondeni kokunciphisa futhi zingakhuphuka kuwo wonke umnikelo.

I-capital of interest

Kunezinketho ezimbili zokushaja:

• Ekupheleni kwenkathi yonke;
• Ngesikhathi esithile, isibonelo, njalo ngenyanga.

Indlela yokugcina ibizwa nangokuthi i-capitalism. Kungenziwa njalo ngenyanga, kanye kanye nekota, ngonyaka. Lezi yiziphozo ezinenzuzo kakhulu, ngoba inani elithandwa yenzalo landa. Uma izimali zenzeka ngokuphindaphindiwe, khona-ke kunenzuzo kakhulu kumakhasimende. Ngokwezibuyekezo kucacile ukuthi lokhu kuyindlela abantu abaningi abakhetha ngayo.

Ama-deposit ngokuphindwa kabusha nokuhoxiswa kwezimali

Idiphozi ezinenzuzo yilezi:

• Okuphuthumayo;
• Ukuphumula kweposi.

Ikhetho lokugcina libhekwa njengento elula kakhulu. Ikhasimende lihlale lifuna imali yakhe. Kodwa kule nsizakalo amaphesenti amancane akhokhiswa. Ngokwenzayo, kusobala ukuthi isivuno sinqunywe inani lediphozi kanye nesikhathi sokubekwa. Kungcono ukuvula idiphozi isikhathi eside.

I-term deposits yindleko nokulondolozwa. Ungafaka imali ngohlobo lwesibili, kodwa hhayi ekuqaleni. Uma idiphozithi ivuliwe , iklayenti ifuna ukuyihoxisa, okungukuthi, amathuba okulahlekelwa inzalo noma imali yonke. Ngokusho kokubuyekezwa, kubonakala ukuthi kokubili lokhu kuhlinzekwa kuyadingeka.

Khetha imali

Iklayenti idinga ukunquma iyunithi yezimali. Ukuze imali ekhokhwayo ihlinzekwe ngamazinga aphansi, amakhasimende amaningi asebenzisa izinhlelo ze-ruble. Ikhethelo elihle lizoba yindleko ebikezelwe nge-inflation kancane. Ochwepheshe bakholelwa ukuthi kuyadingeka ukuhlukanisa idiphozi emazweni amaningana. Kwezinye izinhlangano, ukukhishwa kwe-multicurrency kukhishwa.

Izinkokhelo ezinenzuzo nazo zenziwe ngamatshe ayigugu. I-platinum, i-palladium, isiliva negolide kuvame ukusetshenziswa. Lokhu kuyisinqumo esihle kakhulu uma ufaka idiphozi isikhathi eside, ngoba amanani wezinto zokwakha ayakhula kuphela. Ngaphambi kokungena ekuthengiseni, kuzomele uzijwayele ngenkontileka. Amabhange okusebenza ngokuguqulwa athatha amaphesenti amancane, azokwaziwa esivumelwaneni.

Sberbank

Ukutshala imali, ungakhetha iSberbank. Imali engenayo ibizwa ngokuthi "Londoloza ku-intanethi". Izinga kulo liyi-6-7,7%. Ukuze uvule idiphozi uzodinga ukutshala izimali eziyi-2 000 000. Isibonelo, ungenza isivumelwano sonyaka ngesilinganiso esingu-7.3%. Uma lesi sikhathi sidlulile, i-akhawunti izoba yi-rubriki engu-2 150 745. Le miphumela itholakala nge-capital capital interest. Uma ufisa, ungahoxisa inzalo inyanga ngayinye.

Lezi yizinkokhelo ezinenzuzo kakhulu ebhange, njengoba iklayenti ithola inzuzo ezinzile. Uma wenza ukuthengiselana ngemali yangaphandle, umphumela uzohluka kwidiphozi ye-ruble. Kubalulekile ukugcwalisa i-akhawunti ngokungabi ngaphansi kwama-dollar ayi-100 000, futhi iminyaka emithathu imali engenayo iyoba ngu-7 000 zamaRandi. Ngenxa yezinzuzo zebhange, amaklayenti amaningi asabela kahle kulo.

Ibhange Lesikweletu Ekhaya

Ukuthola inzuzo enkulu kunazo zonke kuzovumela umnikelo ongenzuzo. "Isikweleti saseKhaya" sinikeza ithuba lokusebenzisa uhlelo oluthi "Unyaka Wokuzuzisa". Kuphela akunikezwa ithuba lokulahlekelwa imali ngaphandle kokulahlekelwa inzalo. Ngokwengxenye awukwazi ukuhoxisa imali. Uma usathola izimali ngaphambi kokuphela kwenkontileka, ibhange lizokhokhisa u-0.1% ngonyaka. Iklayenti ingakwazi ukutshala kusuka kuma-ruble angu-1,000, futhi inani eliphakeme alikhawulelwe. Isilinganiso singu-7.75%. Intshisekelo iyinhloko, futhi ayishintshi phakathi nesikhathi sonke. Amakhasimende amaningi asevele ewazisa izinzuzo zalolu hlelo, njengoba impendulo mayelana nayo inhle kuphela.

Ibhange VTB24

Imali ekhokhelwa inzuzo kakhulu kuma-ruble kuhlanganisa uhlelo lwe-VTB24. Ikuvumela ukuthi utshale izimali zamahhala zesikhathi esithile esenzakalweni. Ukugcwaliswa kabusha nokusetshenziswa kulo lonke isikhathi akudingeki.

Isithakazelo sitholwa njalo ngenyanga. I-capital isenziwa, futhi izimali zikhokhwa kwi-akhawunti ehlukile. Ukuqedwa kokuqala kwenkontileka kungenzeka kuphela emva kwezinsuku ezingu-181. I-7.02% inqwabelene nediphozi "Ethakazelisayo".

I-Gazprombank

Inhlangano ihlongoza ukukhipha umnikelo "Okubhekayo", ngokusho ukuthi izinga lilingana no-8%. Uma wenza ama-dollar, inzuzo izoba yi-1.2%, futhi nge-euro - 0.1%. Ungafaka imali iminyaka engu-3 nosuku olulunye. Ubuncane yi-ruble angu-15 000. Izinamathiselo kufanele zenziwe kanye kuphela, ekuvuleni. Ukuhoxiswa okuyingxenye akuvumelekile. Imali engenayo neyentshisekelo ikhokhwa emva kokuphela kwenkontileka. Iphesenti ingahluka ngokuya ngesamba nesikhathi. Izinga lika-8% lisetshenziselwa umcimbi ukuthi idiphozi ivuliwe inani lemali engu-1 000 000 ngezinsuku ezingu-181.

Rosselkhozbank

Kuleli bhange, kunezinhlelo eziningana ezinikezwayo, futhi enye yazo "Ipesenti phambili". Idiphozi ivuliwe izinsuku ezingu-395 noma ezingu-548. Ubuncane bama-ruble angu-3 000 angatshalalwa, kodwa ubuningi bungenamkhawulo. Inzalo ithola ngosuku olulandelayo ngenani eligcwele. Izimali zidluliselwa ekhadini livuliwe eRossselzbank.

Awukwazi ukugcwalisa umnikelo wakho . Uma uvula izinsuku ezingu-395, izinga lizoba ngu-7.2%, no-548 - 7.4%. Ngama-ruble angaphezu kuka-50 000, ikhadi le "Amur Tiger" linikezwa mahhala ngesivuno se-7% ngonyaka. Umnikelo ngamunye onenzuzo unezici zakhe zokwakha kanye nezimo. Ngaphambi kokuyivula, kubalulekile ukuzijwayeza ngeziphakamiso zamabhange amaningana, bese ukhetha okulungile.