Imali nenzuzo iidipozithi ne wemvula

Wonke umntu namhlanje abayazi ixesha xa imali sasindiselwa iingqayi, kodwa hayi ngendlela eselubala kufutshane abantu namaziko email. Ukuza kuthi ga ngoku, kukho imibutho kakhulu bomelele yaye lomelele ezifundisa ngeenkonzo ezahlukeneyo, ezifana:

• ukufumana udumo;
• ukubhaliswa credit card;
• Akhawunti Card;
• imali yokubhalisa.

Savings iidipozithi ne wemvula, mhlawumbi yeyona ethandwa phakathi kwabathengi uhlobo dipozithi. Ngoko ke, ukuba zisetyenziswa ngamacandelo ezininzi zabemi.

Yintoni deposit imali oluhle ithuba wemvula

Akumangalisi ukuba ukhetho loo ezikhethwe mali ezininzi zemali. Kuba unika ithuba lokuba:

• Imali evela esabekwa mali. Savings iidipozithi ne wemvula ikuvumela ukuba mayithunyelwe qho ngenyanga inzala kwikhadi okanye ukususwa ekupheleni kwexesha.
• Kwakhona ukuvula idipozithi, leyo kuchuma mna, unika ithuba zokwenza imali oyimfuneko ukulungiselela ukuthenga enkulu, hayi ngexesha ubambe i imali ekhaya okanye ebhegini yakho.
• Xa uvula isivumelwano idipozithi, apho wande, kunokwenzeka ukuba negalelo isixa esiqingqiweyo, okanye umntu, ukuba umnini ingqalelo igalelo kuyimfuneko. Oku kuya kunceda yonke imali simahla ukuqala umsebenzi.
• Kwakhona agcwaliswa idiphozithi luya kuvula ithuba ukuqokelela imali nokuphucula imeko yazo yemali. Ngapha koko, umntu lowo iidipozithi, awunako ukucwangcisa ubomi elizayo.

Yintoni lobubi lokonga ezinjalo

Ngokubanzi, iidipozithi ezinokuthi zandiswe imali azikho iziphene. Inye kuphela, ukuba babheje iidipozithi zolondolozo ngokumpontshwa kunye nokususwa, lufune ukuba alinde ixesha isixa esifunekayo wayeza kudibana nini. Ngoko ke, ukuba kukho injongo udumdelise isixa esithile semali, kungcono ukuba ukuvula isixhobo yibhanki ezenza kube nzima ukuphumeza notsalo. Kukho sele kukho imfuneko ukujonga imeko.

Savings iidipozithi kwimigangatho eyahlukeneyo

Kakade ke, amaziko zemali ezahlukeneyo womemeza zabo kunye namazinga enzala iidipozithi. Kwakhona, ngamnye kubo igama elithile. Kukho sele kukho umbandela abagcinisa, leyo egcina imali ukhetha.

Savings iidipozithi ne wemvula e Sberbank

I-Bank unika iimeko enomtsalane kwaye benyanisekile abathengi. Esi sibonelelo inokuba esisibambiso na lwemali (dollar, Euro, imali engange Russian). yomtyali nganye ukhetha iimeko idiphozithi, ngokuxhomekeke kwiimfuno zazo. Into ingahluka kwidiphozithi:

• ixesha Ukubekwa.
• Imali yesibambiso.
• A ithuba uyitshaje.
• Removability.
• Inzala nentlawulo (qho ngenyanga okanye ekupheleni kwekota).

Xa kuziwa dipozithi bhetyebhetye, nto leyo iilebhile, kwakunye ukunciphisa izinga lenzala kwi "Savings Bank" iya kuba:

• e engange - ukususela 5,67 ukuya 6,58%;
• akwiidola - ukususela 0,01 ukuya 1.18%
• Euro - 0,01 ukuya 0,21%.

Kakade ke, kumazinga imali ngqongqo ngakumbi kunjalo, ithuba wemvula kuvula indlela eya beqokelela isixa olufunwayo mali.

Savings iidipozithi ne wemvula, "VTB 24"

Le kweebhanki ukukhethwa yabathengi ezininzi iinkonzo zebhanki. Ngoko ke, kubalulekile ukuba uwazi na imali ebekiweyo kule amaziko zemali. Imiqathango iidipozithi ezahlukahlukeneyo ziyafana kwabo avakalisa kwezinye iibhanki, oko kukuthi, ixesha, imali, intlawulo inzala, ithuba ngokumpontshwa kunye nokususwa ngokungaphelelanga okanye ngokupheleleyo. Kwi-avareji, ngokuxhomekeke kwiimeko ezikhethiweyo nizalise iidipozithi kuquka inzala ilandelayo:

• e engange Russian - 5 ukuya 8.6%;
• wase US - ukususela 0,01 ukuya 1.16%
• Euro - 0,01 ukuya 0,19%.

Njengoko sibonile, amazinga kwimigangatho eyahlukeneyo malunga efanayo, ngoko ke eyona nto ibalulekileyo - ukukhetha iziko zemali omthembileyo.

kwenzala kwiidipozithi ekongeni

Ngokubanzi, ukuba ukujonga manani yeebhanki, ukonga imali kunye ithuba wemvula kwi umyinge wenzala yohlukile kancinci. Okungaphandle inokuba iziko zemali njenge umbutho wetyala okanye inkampani encinane yabucala. Noko ke, akukho mfuneko yokuba kumjonga lingxamiseke ngayo amazinga aphezulu. loo miqathango; phezu koko, kufuneka singakrokrelwa kunye kwamathandabuzo. izikhonkwane Kutheni high? Mhlawumbi ibhanki kufuneka imali, okanye uthabatha yiKomishoni aphezulu kakhulu kwiimveliso mboleko? Ukuba yesibini khetho, kunokwenzeka ukuya kwenye, ukuba ngowokuqala, kufuneka ucinge ukuba imali yakho iza kuba kweli ziko ngokukhuselekileyo.

Kwakuyinto ulwazi ukuze bayithathele ingqalelo. Ngo-avareji, zithandwa phakathi amaziko zebhanki karhulumente amazinga enzala malunga:

• engange - ukususela 4.5 ukuya-9%;
• akwiidola - ukususela 0,01 ukuya 0.25%;
• Euro - ukususela 0,01 ukuya kwi-1%.

Ukhetho lwe zifundo zezenu. Kwaye ukuba ukhethe eyona nzuzo i iidiphozithi zolondolozo wemvula, kufuneka balujongisise ngenyameko imiqathango onke amaziko yemali yokuba ukulungele ukubeka imali.

njani lo msebenzi

Iskim lomsebenzi sinokuzaliswa iidipozithi ilula kwaye tye, nkqu bezimali bangenamava. Ngendleko yedipozithi yenza isixa esithile semali kule mali kuxhomekeke ngqo kwi lokuqala umyinge wenzala uya kuba yintoni. Le idiphozithi ukhetho lwamanani ezisisigxina okanye mda leeyunithi kwemali enokuthi isetyenziswe kwixesha elithile. Hi ndlela leyi, kulula kakhulu ukuba ukusebenzisa unikezelo lobekelo kwi-akhawunti kwi-ofisi yakho intanethi. Oku kuya kuvumela makasizalise idipozithi, kungekho mfuneko atyelele iziko zebhanki. Ngaloo ndlela, kunokwenzeka ukuba sakubambezela imali, nokuba kude ngaphandle isixeko okanye ilizwe.

Inzala idipozithi ingaveliselwa nyanga zonke, ngoko nangoko ndiziva ndifuna okanye ekupheleni kwexesha komlinganiselo isixa semali efunyenwe akubalulekanga kakhulu. Unako kwakhona ingahluka ngenxa yohlenga idipozithi, umzekelo, ukuba ufuna, unako ukurhoxisa imali, kwaye ukuba akukho luncedo, uze udibanise umva.

Ziziphi ezinye kukho mali yolondolozo enjalo

Iinketho andikulingene ukuba ungakwazi esikhundleni idipozithi zolondolozo ithuba wemvula, mhlawumbi hayi. Ekhaya ukugcina imali ubuyatha. Okokuqala, kuyingozi, kwaye kukho umngcipheko ubusela, yaye okwesibini, kuba imali ayisebenzi. Ukuze ugcine imali yabo kwi uhlobo lwebhokisi dipozithi oluthembekileyo. Noko ke, ukuba olu guqulelo ayikho into ayikho imali, kodwa kwakhona iindleko ezongezelelweyo kufuneka qho ngenyanga okanye ngonyaka ukuhlawula le bhokisi idipozithi ukhuseleko kwiziko zemali.

Mthande imali yakho ngobulumko ngabom nenze kubo, ngoko zonke iingxaki ziya kulityalwa, kuzakuqala, ubomi entsha free.