Ziziphi ibhange umdla ubuninzi kwiidipozithi? Ubuninzi Ipesenti Igalelo ebhankini

Yiyiphi indlela eya yokugcina imali yeyona ethandwa kakhulu? Impendulo kakhulu prosaic: kuvulwe i-akhawunti idipozithi ebhankini. Ngoko ke akukho mfihlakalo ukuba abantu abaninzi bafuna ukufumana inzala ubuninzi ku iidipozithi. Eyona nto ibalulekileyo - hayi nje ukugcina imali. Bekuya kuba mnandi kwakhona ukuze nande khona.

Ziziphi iindidi yesibambiso zikhona

Xa ezahlukeneyo iimveliso zebhanki kube lula badidekile. Ngapha koko, namhlanje kukho iintlobo ezininzi iidipozithi. Ngamnye kubo ezahlukeneyo ngeendlela ezininzi:

• imiqathango yesivumelwano;
• izinga lenzala;
• ithuba ukususwa kwenxalenye kunye nesicelo kwemali;
• ubukho capitalisation ngenyanga;
• igalelo lwemali;
• amathuba kwavalwa kwangoko.

Yonke iminikelo zahlulwe iintlobo ezininzi ezinkulu, eziye wazuza midlalo.

• Ruble. Eyona ndlela ongenantandabuzo kwemali.
• akhawunti lwemali.
• deposit metal Depersonalized. Eyona ndlela kuyingozi abangenakubanyusa.

Inzala yebhanki ophezulu kwi iidipozithi icala kwi-akhawunti ezivulwe kwixesha elide.

deposit metal Depersonalized

Ayizizo zonke iibhanki basebenza kunye amatye anqabileyo. Hegemon kule ndawo kuthathwa Sberbank, leyo iceba ukufaka imali bullion ngegolide. Inzuzo kuxhomekeke izinga ngegolide kwimarike yehlabathi. Le ndlela yeyona yingozi, njengoko nina noba ufumane inzuzo elungileyo, okanye ulahlekelwe imali. Enempembelelo enkulu kufikelelwe xa ubeka imali ixesha elide.

akhawunti lwemali Foreign

Ngokuchasene imvelaphi nokuxhuma kwemali uxabiso abaninzi banomdla lo mbuzo: "Yintoni na amazinga enzala iidipozithi amanqaku amazwe," Uninzi iibhanki bayakuvuyela ukunika abathengi ukuvula i-akhawunti ngayo imali. Ipesenti liphezulu iidipozithi kwemali amazwe ayidluli-3% ngonyaka. Kukwabalulekile ukuqaphela ukuba Sberbank, ngokungafaniyo nabanye, ngaba singasondezi accrual umdla. Ingeniso ibalwa amazinga otshintshiselwano. Kubalulekile ukuba ihlale engqondweni into yokuba ixabiso yentengiso kunye nokuthengwa imali ebhankini currency zahluke kakhulu. Ngenxa ngcono ukuvula i-akhawunti ye ixesha elide. ungafumana umdla ubuninzi kwi iidipozithi, uvula iakhawunti multicurrency. Imali kulo mzekelo ungalahli ngokwexabiso. Oko kukuthi, akukho ukuxhomekeka amazinga otshintshiselwano.

deposit imali engange

Mhlawumbi hlobo luqhelekileyo igalelo. Wonke ummi of Russia ngandlela thile waya ngaphesheya kubo. Izinga usezantsi idiphozithi "kwimfuno". Qaphela ukuba ukuba eli zinga iya kubalwa imali xa kwimeko yokuvalwa yokuqala ntlobo aseleyo akhawunti.

Ezi ke ziye zohlulwa ngokwendidi ezahlukeneyo:

• ubungakanani intlawulo phantsi;
• kunokwenzeka ukuba azondle akhawunti zabo ngelo xesha;
• ithuba ukususwa kwenxenye nenzala ethe;
• ixesha lesivumelwano;
• ngokufumaneka zophuculo.

Le Iidipozithi engange inzuzo kwi umdla. Ubuninzi amazinga zinika inzuzo ebalulekileyo.

Yeyiphi ibhange ukukhetha

Ukhetho kakhulu kunzima - kukuba ukukhetha uhlobo ilungelo imali ebhankini ekhuselekileyo. Namhlanje kukho uluhlu olubanzi amaziko ezemali, leyo ukutsala imali karhulumente. Inkoliso yabo abandakanyeka inshorensi idipozithi. Inika emva mali isiqinisekiso kwiimeko ngamandla majeure. Igalelo eliphezulu aluyi kuba ngaphezu kwe-700 lamawaka engange.

Ezi mali Uthembekile ngaphezu iibhanki ezinkulu. Nangona amaziko amancinane abucala kunika ipesenti iphezulu idipozithi ebhankini. Makhe sijonge linikeza nenzuzo.

Overview kweebhanki

1. Sberbank ukulungele ukuthatha abantu mali, hayi kuphela engange. Kukho lwemali kunye metal akhawunti. Ngelo iidiphozithi ngexesha elifanayo yangaphandle kuluhlu lwemali libanzi kakhulu. Bank ibandakanya onke amacandelo oluntu, enika ngamnye akhethe idiphozithi ngokweemfuno zabo. Ngexa rates azikho phezulu, kodwa kukho ithuba lokukhetha le akhawunti ngokupheleleyo lobeko.

2. VTB24 luhlala kunye Sberbank. Imigaqo nemiqathango yesivumelwano malunga efanayo. Nangona kunjalo, imali amazwe akhawunti amazinga liphezulu. Wonke umthengi uya kufumana uhlobo ekunene dipozithi.

3. Gazprombank akanalo Ukukhetha ububanzi enjalo kweemveliso. 6 Kuphela iintlobo iidipozithi, kodwa inzala kubo engaphezulwana nje kancinane kune koko lamaziko zikhankanywe apha ngasentla. Ipesenti liphezulu iidipozithi ngu-7.

4. Agricultural Bank sinyanzelisa kweemeko ezilawulwa yengqongqo yona ngakumbi lokuvula i akhawunti. Inzuzo sibalwa kuphela ekupheleni kwexesha lesivumelwano, akukho ndlela eya nizalise. Nangona rates axhome kakhulu xa kuthelekiswa nezinye iiBhanki karhulumente. Basenokuba ukufikelela 10.2%.

5. "Bank of eMoscow" ayikho izele ezahlukeneyo iminikelo, kodwa inama nebonelela kubathengi. Kubalulekile ukuqaphela ukuba i-akhawunti ongenakunceda abo isixa esikhulu semali.

6. "Standard Russian", ngenxa izindululo yayo emva Sberbank kunye VTB24. Le abagcinisa kubeka apha eya anelise iimfuno zakhe. Ipesenti liphezulu iidipozithi ngu 10-12. Nangona kunjalo, akukho capitalisation, kunye kweemeko ezilawulwa yengqongqo yona ngakumbi ngenxa client.

7. "Credit Ekhaya" unako ukuthatha indawo yayo simo egcina imali ezifundisa utyalo eliphezulu isivuno. Ixesha nowokupheliswa lesivumelwano - ubuncinane ngonyaka. Kukho amathuba capitalisation, ukurhoxiswa buso kunye wemvula. I-Bank ezilungele abantu abaninzi. Izinga unako ukufikelela ayi-12 ngonyaka.

Indlela ukukhetha idipozithi

Xa ukhetha idiphozithi kufuneka balujongisise ngenyameko zonke iimeko accrual ingeniso. Umzekelo, twatse imiqathango kunye rates amatyala amabini nenzuzo lowo ubonelela capitalisation ngenyanga. Njengenkunzi - ke accrual umdla hayi kuphela isixa sokuqala idipozithi. Kulo mzekelo, kwingeniso kuhlawuliswa inzala ihlawulwe kwaye ngaphezu kwimali. Oku kuluncedo kakhulu kubo bonke abathengi.

Kuba lula zabathengi, iibhanki abaninzi Zonke izindululo kwi-web sayithi apho awukwazi kuphela baqhelane iimeko, kodwa kalukhuni ukubala idipozithi inzuzo. Imali kunye wemvula ofanelekileyo kwabo baye bagqiba ukuvula i-akhawunti ye ixesha elifutshane. Oku ke kungakuhle ukuba capitalisation umdla. Kaninzi kwenzeka capitalisation, ngcono umthengi. Ukuba ukhetho yenziwe, kufuneka uqhagamshelane ngokukhawuleza iziko, njengoko ibhanki kusebenzisa ingqiqo yakhe yokuba ukuhlomela imiqathango. Noko ke, ukuba ukugqiba isivumelwano, ukuba akagqubuthele.

Ukuza kuthi ga ngoku, iimeko ezaziwa sedipozithi zezona nenzuzo. Iimeko ezinjalo ziquka izinga elikhulu ngaphandle ithuba wemvula ukurhoxiswa. Kulo mzekelo, umxhasi kufuneka ukulibala malunga eyongiwa kwixesha pre-wavuma.

iimeko Good lokuvula i akhawunti ziyafumaneka ngexesha stock yamaxesha onyaka, nto leyo ngakumbi nangakumbi mva. Ezi Izabelo zibanjwa phambi leeholide. iminikelo ezinjalo kwiimeko ezininzi, elifutshane. Ithuba mvumelwano iyonke ayidluli iminyaka emithathu.

ubungozi

iziko Banking baphenjelelwa kuqoqosho ngokubanzi. Kunye nabatyali-mali abaninzi baxhalabile malunga nokuqhubekayo kweli candelo. Yibhanki eyongameleyo yaqalisa ngokutsha kakhulu yonke imibutho elamkelweyo Arhente Insurance idiphozithi. Ukuba olu xwebhu lebhanki ayiwenzi, ngoko ngokukhawuleza ibhanki engundoqo iya iyirhoxise ilayisenisi leyo. Iimali eziye zigcinwe ebhankini, kodwa abanikazi Bayabuya, kodwa kuya kuthatha ixesha elide.

Ukuze uphephe oku, kufuneka balujongisise ngenyameko onke amaxwebhu ibhanki, okanye ukuba ubonane nommeli. Ukongeza, asimele sibe lunganikezela Ekuqaleni ukuvula i-akhawunti ye ipesenti ephezulu. Kubalulekile: a iibhanki oluzinzileyo inokuthenjwa zingasifundisiyo emba eqolo kwi idipozithi.