Apho ukubeka imali yakho kwi umdla ebhankini?

Umbuzo inzuzo yemali ubalulekile njalo. Ukuqokelela imali yabo kubanceda ukuze bazive intembelo elizayo. Kuhleli kuphela ukuba ukhethe nje nenzuzo nto ikhuseleke ukubeka imali kwi umdla ebhankini, ngoxa sizixhalabise malunga nokhuseleko lwabo.

Ukukhetha iqabane ethembekileyo

Nawuphi na umtyali abanomdla ekwenzeni imali egcinwe imali yakhe, beze ubuncinane imali encinane, kodwa ngokuthe ngcembe. Lo mbuzo, Kakade ke, impikiswano, kuba konke oko kuxhomekeke kubungakanani idipozithi. Kubalulekile ngokulinganayo ukukhusela imali yabo kwamaxabiso. Kungenxa yezi zizathu kufuneka afake imali yakho kwi umdla ebhankini. amaziko ezemali ezahlukileyo uluhlu izityebi iimveliso imali. Uphendlo lwakho kufuneka ziqale kuphela kakuhle eyaziwa kwaye unegama eninzi yeebhanki. Bekuya kuba bubudenge ukuba uthembe isixa esikhulu semali iziko elisandula ukuyilwa ungabi sibonakalisa ntoni ngokwayo endle zemali, kwaphumelela intembeko abathengi lula.

Qwalasela ukuthembeka kunye nokusebenza nokuzinzileyo ibhanki singaba ncomo kwabagcinisi yayo. Umzekelo, ixesha elide kakhulu iye phambili kwizikhundla trust kunye nokuzimisela ukubeka imali ngenxa yenzala, Sberbank, ukuthetha nayo iqashiso ingxelo entle kubathengi.

Kukhethwa ephambili

Uzinzo - ilungile, kodwa inzuzo - yinto enye. Akusoloko kunjalo ukuba la magama mabini ephambili adityaniswa umnikelo olunye lebhanki ethile.

Ukuba injongo - ukufumana ingeniso elungileyo, uyakwazi ukubeka imali yakho kwi umdla ebhankini, ezibanjiswe encotsheni zixeliweyo mabini uzinzo. Le umngcipheko fanerile, ekubeni Sberbank ihlabathi mkhulu ngokwaneleyo, kukho inala ezinye amaziko zezimali unokuthenjwa iimali zabo wayiqokelela.

Iminikelo ngumzekelo ezinye iibhanki

Idatha elandelayo inokuba atshintsha rhoqo, kodwa ke kuphela ukuba iqhezu hundredths othile ekhulwini. Ufumane uluvo jikelele engcono yokucima njani imali yakho kwi umdla ebhankini, xi ri xa xiviri kakhulu. Umzekelo, ukuba igalelo ikhulu lamawaka unokuba 4,75% ngonyaka we-Savings Bank. Ukuba kuyenzeka ukuba elinye i nezigidi ezithathu yaye ningachukumisi imali, ibhanki ukulungele ukuba imali kangangoko 6,75% ngonyaka, kwaye oku mali elungileyo. Ukuya kwi pesenti ezilishumi ngonyaka ukulungele ukuba abize "Raiffeisen Bank" yaye "Alfa-Bank" ngempumelelo umsebenzi wabo ishishini zebhanki iminyaka emininzi yaye abalasela.

Esi sigqibo siya kuba umntu ukuba abagcinisa ngamnye. Ukuba une ithuba lokuba abeke imali kwi umdla ebhankini, kufuneka senze ukhetho nokuba malunga esezantsi-mali okanye iimali ulondolozo oluthembekileyo. Kukho ezininzi iintlobo iidipozithi - kunye ngokumpontshwa kunye ngaphandle zexesha elide elifutshane kunye. Yonke into iza kuxhomekeka injongo Isixa sedipozithi. Kubalulekile kwakhona ukuba iliso ukunikela ezahlukeneyo kunye nomdla kwiimveliso yeebhanki kwi iidipozithi. Ngokomzekelo, amanye amaziko zama ukunyusa ipesenteji ngexesha leeholide okanye umdla abathengi ayo amanye ukunikezwa okuhle.