Ibhanki oluhle kunye nomdla kakhulu kwiidipozithi

Nabani na uceba ukutyala imali zabo, kubalulekile ukwazi ukuba yeyiphi kweebhanki ifanele oku. Ngelo xesha langoku kwi kummandla Russia isebenza inani elikhulu amaziko zemali ezifundisa abemi ezahlukeneyo iinkqubo imali. Ukuba izimali bakholelwa ukuba ibhanki elungileyo - oku kulapho inzala iphezulu kwi iidipozithi, iingcali bacebisa ukuba asondele nekufuneka zikhutshiwe. Izinga eliphezulu akuqinisekisi ukuba umxhasi iya kutyalo mali zazo. Iyafuna ukunikela ingqalelo igama ibhanki yakhe, kwakunye nemiqathango kwentsebenziswano.

Indlela ukufumanisa inzuzo kule dipozithi

oosomashishini banamhlanje basebenzisa ziingongoma ezinamandla zokupasa, kwaye ke ngoko ungabona ividiyo rhoqo nesiphakamiso ukutyala imali kumazinga aphezulu kakhulu inzala. Kodwa musa khawuleza uze ufake imali yabo ebhankini yokuqala, ebabeke ngedinga-16% yengeniso kunyaka yedipozithi. Eneneni, kusenokuba khangela ezahlukeneyo, umzekelo:

• Kufuneka ukuba imali iminyaka embalwa kwesigidi ambalwa;
• rate-16% isebenza kwiinyanga ezi-3 zokuqala kuphela;
• Hambisa ifumaneka kuphela ukuya ezinkampani.

Okubaluleke ngokufanayo, yintoni na ukungxamiseka idipozithi. Ngokuqhelekileyo, le ukubheja best isicelo bekelelo kunye ixesha elide. Nayiphi na ibhanki ezilungileyo iimbono imali le abagcinisa ', kwaye kusilungele, ukubamba kulondolozo lwemali abathengi elide kancinci ukuzibeka yasasazwa kwaye kugxininiswe oku. Ngenxa yoko, izinga imali elifutshane enomtsalane ngaphantsi iidipozithi iminyaka eliqela. Iingcali zithi le ndlela ilungileyo ingeniso - ukutyala imali kunyaka-1.

zeemali ze iminikelo

Enye bonus nice ukuba nabani na ukufakwa kwemali kwimigangatho - a zophuculo ngekota okanye ngenyanga (ukudibanisa inkqubo kwimali iyonke iminikelo nenzala kwithuba elidlulileyo). Ngenxa kule umthengi ifumana iinketho ngakumbi ingeniso, ngenxa yokuba inzala ihlawuliswa kuyo yonke imali sedipozithi, nto leyo rhoqo kuyanda. Le umnikelo elizayo isicwangciso ayikho kakhulu, kuba xa uvula i-akhawunti kwiinyanga ezili-12 ukwandisa capitalisation kwe-mali sedipozithi kakhulu kancinane. Noko ke, xa usenza ngeendleko malunga 2-3 yezigidi engange nelide 24 iinyanga enkosi olu khetho, ungafumana nezahlulo elungileyo.

Imisebenzi ye deposit

Impinda iziphakamiso kunye ngokukhetha amaziko yemali ebhankini inzala entle iidipozithi, ahlawule ingqalelo into yokuba udumo debit kwiintengiselwano. Khetha udweliso lwenkqubo kufuneka ukuhlangabezana neenjongo zabo. Ukuba umxhasi ufuna ukugcina imali, kufuneka iprogram kunye ubuchule uyitshaje, yaye ukuba kuyimfuneko kwixa elizayo ukuba imali ezinye iindleko zakho, kungcono ukuba ukuvula idipozithi kunye ngowona ukurhoxiswa kwenxenye kwemali kwi-akhawunti. Imigaqo intengiselwano kufuneka ifundwe ngenyameko. Njengoko umthetho, ukutsalwa kwemali iibanki kakhulu kwanciphisa irhafu.

iintlobo yesibambiso

iingcali Financial bakholelwa ukuba usebenziso lwe idiphozithi ezinxulumene ngqo izinga lenzala. Okwangoku, imveliso kakhulu ethandwayo idiphozithi elide. ngokuqhelekileyo Bona yahlulwe:

• design;
• indawo yokugcina;
• yokonga.

Le pesenti inkulu namhlanje, ungafumana kwiinkqubo ekongeni. Isibakala sokuba minikelo ngeke kwakhona nokwenza nayiphi na imicimbi iindleko, kwaye igama elithi ngaloo ndlela kusoloko ebalulekileyo. Naliphi na iziko yezimali iidipozithi kuyingenelo ezinjalo, ngoko ke weerhafu kubo kakhulu linomtsalane, kwaye umxhasi ufumana inzala kuphela xa uvala i-akhawunti.

Savings iinkqubo babe ukusebenza ebanzi. Ngokutsho kwakhe umthengi unako ukufumana inzala qho ngenyanga, kukho iingxelo zeemali kwaye inikeza wemvula rhoqo. Loo kukhetha kuyingenelo ngakumbi abo uceba ukulondoloza imali. Nangona kunjalo, ipesenti eli galelo kuba ngaphantsi. akhawunti ekhoyo iza kuzisa inzuzo ubuncinane ngenxa ngexabiso eliphantsi kakhulu. Kulo mzekelo, umxhasi ifumaneka izinto nokwamkelwa yokusebenza lokufaka imali.

Unyuselo nokunikelwa ngamaxesha

Njengoko umthetho, irhafu kakhulu kwi iidipozithi ezinikezelwa kubathengi ngaphambi yeeholide, xa bekuvulwa oluncedisayo kunye nezinye promotions. Kukho kwakhona unikeza amaxesha apho ufuna ukuvula idipozithi ukuya kumhla othile. izenzo ezinjalo kuyimfuneko ukuba amaziko ezemali ukutsala abaphulaphuli ekujoliswe kulo. Njengomgaqo, nayiphi na ibhanki elungileyo inika iinkqubo ezizodwa iimeko ezithandwa kakhulu abathengi.

Iidipozithi yamanye amazwe

Uyakwazi ukuvula idipozithi, hayi nje kuphela kweli lwemali kazwelonke kwiibhanki Russian, kodwa nayiphi na enye. Kwaye izindululo ukuba kungapheleli eerandi okanye kowethu, ungakhetha i akhawunti yakho nkqu imina British kunye yuan of China. Le ndlela luphawulwa imbuyekezo ephantsi investment. Loo umnikelo kuluncedo ukuvula kwabo baceba ukuba bachithe imali yabo kwixesha elizayo, ngaphandle ukuguqulwa ku engange. Kungenjalo, ungaphulukana eninzi imali ngokutshintshiselana ezimali.

bank ukuthembeka

ERashiya kukho inani elikhulu amaziko mali ezibonelela abemi ithuba ukuvula idibhozithi okanye usebenzise ezinye iimveliso. Xa ukhetha apho ibhanki kungcono ukuthatha mboleko okanye ukuvula idipozithi, kuyimfuneko ukuba anikele ingqalelo ekhethekileyo igama lakhe. Njengoko umthetho, izithembiso zingxola ukunika kanye loo maziko, abazikhundla kwimarike iyaxokozela kakhulu. Nokutsala abatyali - enye iindlela zokusombulula iingxaki zabo.

Ibhanki olungileyo engathembisi igalelo ngesantya-15% ngonyaka ngamnye, njengokuba kukho umyalelo ethile nexabiso kunye rate ezingaguquguqukiyo ngaphezu ku ezahlukene 0.5-2%. Phambi kokuba imali yakho uthembe iziko zemali, kuyimfuneko ukuhlola inokuthenjwa.

Best nezahlulo banks Inzala

Ukuba umxhasi ukhetha apho utyalo ukuba ipesenti ephezulu, kufuneka ucinge la macebiso alandelayo:

1. "Rentier". Esi siphakamiso ukusuka 'Credit Yuruphu Bank "kunye nemali esezantsi kwi-akhawunti ka-100 000 engange. Izinga 10,75% ngonyaka ngamnye.
2. "Sunny". "Tempbank" inikeza abemi ukuvula idipozithi wamawaka 50 engange ngomlinganiselo 10.7%.
3. "Central". Le program yeyona isindululo "Tsentrkombanka". Isixa-mali esezantsi kwi-akhawunti - amawaka 10, ingeniso - 11.5% ngonyaka ngamnye.
4. "Uzinzo" ka "Vneshfinbanka". Le program kungavula ngegalelo amawaka 5 engange ngeqondo fixed-11% ngonyaka.