Iminikelo kwabahola impesheni amabhange lapho isithakazelo ezuzisayo?

Abakhulu - uhlobo olukhethekile zimali. Iningi labo ukonga yasendlini. Ebona lesi sidingo, amabhange zigcwalisa lesi siprofetho ngokunikela ezifakwa kwabahola impesheni ne evumayo zenzalo. Bankers abantu bakwazi ukuqonda ukuthi kungcono ukugcina izimali ekhaya ngaphansi komqamelo, futhi i-akhawunti yasebhange.

Kungani-ke kungcono ukugcina imali ebhange?

Abakhulu - abantu ngokwanele kalula avame ake endlini yakhe abantu abangaziwa. Labo kwemuka impesheni, wazi lapho iningi imali ayeyithole, futhi imelela sempesheni umsebenzi noma inhlangano yokusiza umphakathi. Visual Inhloso ukuvakashelwa - ukunikeza abanye usizo impesheni, kodwa ngempela ngemuva kokuvakashela imali yokugcina alahlekile. Akuwona wonke impesheni elikushoyo Ezimweni ezinjalo emaphoyiseni, futhi ukuthola lezi "bona babasekeli babo" khona-ke kunzima ngempela ngoba ukushintsha izingubo kanye nokubukeka (izinwele umbala, ukugqoka izibuko nokunye. D.). Ukuze ugcine imali esebhange kuphephile kakhulu kunezinye ekhaya, ngaphezu, izindlela kungenzeka ezandleni ephephile futhi ulethe imali ukuze iklayenti. Yingakho izikhungo eziningi zezimali ukunikela idiphozi kwabahola impesheni ne evumayo zenzalo.

"BIN": iminikelo kwabahola impesheni

Lokhu isikhungo sezezimali linikeza amakhasimende ayo engu umhlalaphansi has ezikhangayo zokuhlala ukulondoloza kanye nomholo ezengeziwe.

Umnikelo "amaphesenti esiphezulu", nakuba alinikezi Onjiniyela umkhiqizo njengoba impesheni okumsulwa, kuyoba nesithakazelo kulesi sigaba sama-izakhamuzi. Okuncane deposit lemali - ruble ayizigidi 10. Izinga lenzalo yemali mboleko iyahlukahluka kuye ngokuthi amanzi eside kanye nenani idiphozi. Ngokwesibonelo, uma wenza idiphozi isikhathi 31 kuya kwangu-90 izinsuku, izinga ukubuya ngokwandisa inani ukwanda kusuka 6.2% kuya ku-6.5% ngonyaka. Uma bangena esivumelwaneni isikhathi kusuka 91 kuya ku-180 izinsuku, ungenza inzuzo e inani 9.7 kuya ku-10% ngonyaka. Okungenzeka ukuvula idiphozi isikhathi 6 izinyanga ezingu-12. Kulokhu, izinga isivuno ngeke isukela 9.95 ukuze 10,25%. Igama elithi esiphezulu idiphozi - izinsuku 1095.

Iminikelo kwabahola impesheni "Binbank" - nayo igcina idliwe! Uhlelo Idiphozi "impesheni ehloniphekile" - ithuba ukutshala zemali eziningi. Idiphozithi in ruble angavulwa isikhathi 181 kuya 365 days (9.25%), kusukela 366 kuya 729 (8.35%) kanye kufikela kuzinsuku ezingu-1095 (7.50%). Idiphozithi angavulwa ngamadola wase-US. isivuno ngesilinganiso okomnikelo eside sezinsuku 181 kuya 365 kwaba 2.2%. Uma uvula i-idiphozi kuze kudlule isikhathi eside (isib izinsuku, kusukela 366 kuya 729), isivuno kuzokhuphula kancane futhi zibalelwa 2,65%. Izinga lenzalo yemali mboleko kwedola ezifakwa isikhathi kusuka 730 kuya izinsuku 1095 - 1.95%. Umnikelo futhi esemthethweni kuleli euro.

"Ibhange lase-Moscow": iziphakamiso kwabahola impesheni

Leli bhange alinikeza abantu umhlalaphansi idiphozi izinhlelo kuphela lwemali kazwelonke. Ngokwesibonelo, izimo idiphozi "imali esiphezulu" ngale ndlela:

• esiphansi deposit lemali - ruble 1000;
• elithi yesivumelwano - ukukhetha yekhasimende (kusukela ezinsukwini 91 kuya 1095);
• idiphozi senzalo - 9% ngonyaka.

Iminikelo kwabahola impesheni kule "Bank of Moscow" - a inzuzo kakhulu! Leli bhange libuye isungule luhlelo ka abahola yokwenziwa extra imali "ukukhula Maximum." Igama elithi ka idiphozi kanye nenani ubuncane kuyafana e idiphozi ngenhla. Izinga lenzalo yemali mboleko - 8,68%. "Ibhange lase-Moscow" unikeza 'i-savings account' amaklayenti ayo, evumelekile unomphela. Umhlalaphansi kungase ubuyise akhawunti abo ngaphandle kwemingcele futhi ukuhoxisa ukunikeza 5% isithakazelo njengoba engenayo. Futhi, ibhange isungule luhlelo enesihloko esithi "impesheni yamanje". Inani elifakiwe bese eside kokubekwa incike ukuzimisela owayesethathe umhlala-phansi, futhi imali kuyoba 4% ngonyaka.

Iminikelo umhlalaphansi kwamanye amabhange

amabhange Abaningi Russian baye zenzelwe umhlalaphansi ezifakwa ethize yekhasimende. Ngokwesibonelo, "Sberbank eRussia" inikeza umnikelo "Ashona". Okuncane idiphozi amount - ruble 1000. Izinga lenzalo yemali mboleko emalini etshalwe 8% ngonyaka. Imali zingafakwa kuze iminyaka 3. idiphozi isivuno ongama kancane kancane. Umnikelo ukuba 'siqhubeke' futhi kungenziwa ikhishwe kuleli isikhungo sezezimali. Ngesilinganiso 9,07% ngonyaka impesheni ungafaka imali ku esihle kubo isikhathi.

C impesheni futhi isebenza "Rosselkhozbank". Abantu abadala kungandisa imali yabo izinqolobane, ukusebenza ebhange. "Agricultural Bank" linikeza iminikelo esihle impesheni ne isithakazelo eliphakeme. Idiphozi "Pension Plus" inikeza ukuthi kungenzeka replenishment kanye lemali okungenani isicelo sokuqala ruble 500. Izinga lenzalo yemali mboleko ngeke ivumelane wonke amakhasimende, ngoba "Russian Agricultural Bank" linikeza amakhasimende ayo ithuba uthole 9% ngonyaka ngesikhathi kuvulwa idiphozi 1 unyaka u-8% - lapho ukubeka idiphozi engu-2.

Iminikelo kwabahola impesheni - izindleko indlela ephumelelayo wonge imali endaweni ephephile futhi ithuba elihle ukuthola imali eyengeziwe.