Yintoni na ifakwa? Yintoni iidipozithi replenishable?

Imali - kakhulu iibhanki imveliso ethandwayo. Nangona kunjalo, i-West, imfuno enkulu utyalomali kwiibhondi kunye zamashishini ezingenanzala emisiweyo. Phendula umbuzo obalulekileyo ukuba ukuqonda elithi "iidiphozithi"; yintoni na depositum? Iguqulwe kwi-Latin - "into elinikiweyo ukwenzela ukuba igcinwe ngokunqatyisiweyo." Imali - imali nebhanki ethile ukwenzela ukuba igcinwe, ukuba zibuyiselwe emva kwexesha elithile phantsi kweemeko ezithile.

iintlobo yesibambiso

Makhe iidipozithi sihlolisise: yintoni i "idipozithi esisigxina" kwaye uncamathiselo "on ukufuna".

1. "On imfuno" - uhlobo lwe iidipozithi. Le mali, nto leyo zingafumaneka ngumnini nangaliphi na ixesha xa makakubuze oko. Umzekelo: ngeendleko ikhadi payroll.

2. iidipozithi Ikota - ezi ziyafana iidipozithi. Yintoni na le attachment unokuba iindidi ezininzi, kufuneka ziqwalaselwe zodwa;

- ixesha elide - ngaphezu kweenyanga 9;

- needipozithi Medium-term - ukususela-3 ukuya kwiinyanga 9;

- elifutshane - yinto utyalo-mali kwiinyanga ezintathu.

Eyona aphambili idipozithi elide - loo mali zingafumaneka kuphela emva kwexesha elithile kugqityiwe.

Izinto eziluncedo yesibambiso

iibhanki eyahlukeneyo iidipozithi ezivulekileyo. Yintoni ufakelo kakuhle ekukhuliseni imali, makwazeke ezininzi. Kodwa kukho abo banomdla ukwazi into efunekayo needipozithi zebhanki. Umongo minikelo - ngokubeka imali kangangexesha elithile ukuze bafumane isixa esikhulu ngokuhamba kwexesha. Ngoko kukho ukubekwa kwemali ipesenti ethile. Ezi ngxelo avuleke umntu ngokusemthethweni. Iidipozithi kwimigangatho Zidume into yokuba inenzala iphezulu ngaphezu kwezinye akhawunti. Uninzi iinkonzo uvula i-akhawunti idipozithi, ukufaka imali zabo ungangxameli elithile ukuvelisa iingeniso. Xa kukho isivumelwano phakathi ebhankini kunye umxhasi, imali evela kwi -akhawunti (current) loMthetho abagcinisa ziya kufakwa kwi idipozithi. Nini ixesha lesivumelwano, imali ziya kubuyiselwa.

Yintoni ukufuna xa uvula idiphozithi

Masithi isigqibo ukuvula i-akhawunti enjalo. Okokuqala, isigqibo ngendlela imali engakanani uyakwazi ukubeka. banks Policy kulo mba mnye: igalelo ngakumbi, ngokuthanda ngcono kunye nenzala. Ngokuqhelekileyo, ukuze ufumane amazinga kakhulu kuba threshold, umzekelo, kufuneka ibe ngokusisigxina ngezantsi $ 1000 akhawunti. Phambi kokuba kuvulwe dipozithi akhawunti hlalutya kuphela ingeniso / iindleko ngoku, kodwa kwakhona isicwangciso kubo. Kubalulekile ukubala konke ukuze kwafuneka kubekho ukuba bagaleleka ukurhoxisa utyalo-mali lwabo, ukulahlekelwa ezithile inzuzo.

khetha lwemali

Iingcali zithi ukuba kubalulekile ukugcina imali lwemali apho sihlelwe ukwenza ukuthenga ukwenzela ukuba ningethi nantoni kutshintshiselwano. Inzuzo kuvela needipozithi zexeshana. amaxesha Delivery ingahluka kwinyanga 1 ukuya isibini iminyaka. Akukho mfuneko ukuqwalasela inzala imfuno investment njengesixhobo yotyalo zibalulekile kuba sibalulekile.

inzuzo

Ingeniso kuxhomekeke phezu wokuthimba, kunye ubude mkhulu kunye neepesenti ngasentla. Abagcinisa kubalulekile ukuba isigqibo elide kangakanani na ahlukane imali yabo. Kuba ngaphambi kwexesha kwemali, njengoko umthetho, kufuneka ukuba ahlawule. Nakuba kunjalo, ngenxa ukhuphiswano eyomeleleyo, ngokufuthi iibhanki womemeza unetarhu abathengi.

Kukho iidipozithi, ngokubonelela iimeko ezithile, ukuba kukho imfuno engxamisekileyo ukurhoxisa imali abathengi. Kulo mzekelo, inzala ukuze kuncitshiswa, kodwa hayi umva ngokupheleleyo. Phawula indlela accrual umdla, oku kwenziwa phantsi nezikmu ezininzi nezahlukeneyo.

iidipozithi Savings Bank zithandwa kakhulu phakathi kwabantu. Ingakumbi abantu babonisa umdla nizalise idipozithi. Itsala abathengi ngubani na lifake imali nyanga nganye ukuze izixa ezincinane ukugcina kuba ukuthenga enkulu, ukuhamba iholide. Okukuyo umnikelo onjalo kuba nge-bank, kananjalo kube lula kakhulu ukuba bamakhadi le bhanki.