Amagalelo umhlala iibhanki apho umdla yingenelo?

Abadala - uhlobo olulodwa-zimali. Abaninzi kubo imali ekhaya. Ebona oku, iibhanki neziqhuba iidipozithi umhlala kunye kwenzala kakuhle. Kubalondolozi zenza abantu baqonde ukuba kubhetele ukuba imali kude nekhaya phantsi komqamelo, kwaye i-akhawunti yebhanki.

Kutheni le nto kungcono ukuba imali ebhankini?

Abadala - Abantu ngokwaneleyo lukwenza abo siyekele endlini abantu bakhe ayaziwa. Abo bafuna kuphangwa umhlala-phantsi, kungazi mntu apho uninzi imali bafumana yena, yaye imele umsebenzi pension fund okanye exhasayo. Injongo Visual yolu tyelelo - ukubonelela uncedo abanye abadla umhlala-phantsi, kodwa ngokwenene emva kokutyelela imali yokugqibela elahlekileyo. Ayizizo zonke umhlala ithi malunga Kwiimeko ezinjalo emapoliseni, yaye ukufumana le "ngabancedi" ngoko kakhulu kunzima kuba ukutshintsha impahla nenkangeleko (umbala iinwele, banxibe izibuko njalo njalo. D.). Ukugcina imali ebhankini kuba ikhuseleke kakhulu kunokuba ekhaya, ukongeza, iindlela inokuba ezandleni ekhuselekileyo uze uzise ingeniso ukuya client. Yiloo nto amaziko amaninzi zemali zinika idipozithi umhlala kunye kwenzala kakuhle.

"Bin": iminikelo umhlala

Eli ziko zemali inika abathengi yayo yobudala yomhlala phantsi kuye izibonelelo indawo enomtsalane ukulondoloza neengeniso ezongezelelweyo.

Igalelo "ipesenti eliphezulu", nangona oko akuthethi ukunika ababhekisi yemveliso umhlalaphantsi enyulu, uya kuba nomdla kolu didi abemi. Elona sixa sedipozithi - amawaka 10 engange. Umlinganiselo wenzala kuyahlukana nedlela elide mali sedipozithi. Ngokomzekelo, xa usenza idipozithi isithuba seentsuku ezingama-31 ukuya 90, umlinganiselo lokubuya ngokwandisa inani lokonyuka ukusuka 6.2% ukuya 6,5% ngonyaka. Ukuba ungene kwisivumelwano sokuphuhlisa umhlaba zingaphelanga iintsuku 91 ukuya 180, ungenza ukwenza inzuzo kwi mali ka-9.7 ukuya kwi-10% ngonyaka. Singakwazi ukuvula idipozithi isithuba seenyanga ezi-6 ukuya ku-12. Kulo mzekelo, izinga hoxa iyakuba ukusuka 9,95 ukuya 10.25%. Igama ubuninzi idiphozithi - iintsuku 1095.

Iminikelo umhlala "Binbank" - byi! inkqubo idiphozithi "pension endilisekileyo" - ithuba lokuba utyalo ezimalini ezininzi. Isibambiso engange iya kuvulwa isithuba seentsuku ezingama-181 ukuya-365 (9.25%), ukususela 366 ukuya 729 (8.35%), kwaye ukuya kwiintsuku 1095 (7.50%). Idipozithi iya kuvulwa ngeedola US. izinga isivuno igalelo kwesithuba seentsuku ezingama-181 ukuya-365 kwaba 2.2%. Ukuba uvula idipozithi ixesha elide (umz iintsuku, ukususela 366 ukuya 729), isivuno uya kwandisa kancinane kwaye imali ukuya 2,65%. Umlinganiselo wenzala kwiidipozithi dollar isithuba ukusuka 730 ukuya kwezingama-1095 - 1,95%. Igalelo kwakhona yesebenzayo euro.

"Bank of eMoscow": iziphakamiso umhlala

Le ibhanki unikeza abantu iinkqubo imali yobudala yomhlala-phantsi kuphela ngohlobo lwemali kazwelonke. Umzekelo, iimeko idiphozithi "ingeniso eliphezulu" ngolu hlobo lulandelayo:

• imali wediposithi - 1000 engange;
• ixesha lesivumelwano - ukhetho umthengi lowo (ukusuka kwiintsuku 91 ukuya 1095);
• umyinge wenzala deposit - 9% ngonyaka.

Iminikelo umhlala kwi "Bank of eMoscow" - yimbuyiselo! I-Bank iye kwakhona liphuhlise inkqubo yomsebenzi isixando nemadlana "ukukhula obukhulu." Igama elithi yedipozithi kunye ubuncinane kuyafana kule dipozithi. Umlinganiselo wenzala - 8,68%. "Bank of eMoscow" inikeza kubathengi 'akhawunti yokonga', esebenzayo ngonaphakade. Umhlalaphantsi ukuze babekha akhawunti zabo ngaphandle kwezithintelo ndirhoxise ukunika umdla-5% njengengeniso. Kwakhona, ibhanki liphuhlise inkqubo othi "pension Current". mali sedipozithi nexesha le nokubekwa kuxhomekeke ekuzimiseleni kwabo umhlala-phantsi, kwaye ingeniso iza kuba-4% ngonyaka.

Iminikelo umhlalaphansi kwezinye iibhanki

iibhanki abaninzi Russian zenzelwe yobudala yomhlala phantsi iidipozithi ezithile umthengi. Umzekelo, "Sberbank of Russia" inikeza umnikelo "uyitshaje kwakhona". Isixa wediposithi - 1000 engange. Izinga lenzala-mali ka-8% ngonyaka. Imali zibekwe ukuya kwiminyaka emi-3. deposit hoxa ukuze aye enyuka kancinci. Igalelo ukuba 'sihlale' nayo ingakhutshwa kweli ziko zemali. Xa izinga 9,07% ngamnye umhlala ngonyaka uyakwazi ukubeka imali kwi elilungileyo kubo ixesha.

C umhlala nayo isebenza "Rosselkhozbank". abantu abadala kungandisa koovimba babo imali, ukusebenza kunye ebhankini. "Bank Agricultural" inika igalelo kakuhle umhlala kunye nomdla kakhulu. Idiphozithi "Pension Plus" ubonelela ngamathuba ngokumpontshwa kunye nemali ubuncinane isicelo yokuqala engange-500. Umlinganiselo wenzala uya kulungele bonke abathengi, ngenxa yokuba "Russian Agricultural Bank" inikeza nabathengi ithuba lokuba bafumane-9% ngonyaka emnyango idipozithi sonyaka-1 no-8% - xa ebeka idipozithi iminyaka emi-2.

Amagalelo umhlala - ngeendleko ngendlela esebenzayo ukuze wonge imali kwindawo ekhuselekileyo kwaye ithuba elihle lokuzuza imali eyongezelelweyo.