Umlinganiselo wenzala kwi needipozithi zebhanki. Apho ke inzala kuFeliks kwiidipozithi

Abaninzi kuthi dream baphile umdla iidiphozithi wenze nto. Wonke umntu ufuna ukuhamba, bulisa sokungafundi into entsha, kodwa musa ukuchitha ixesha lakho emsebenzini. Namhlanje kukho iibhanki ezininzi eRussia inikeza nabathengi ezahlukeneyo idiphozithi. iziko mali ngamnye amazinga zabo kunye neemeko zokubeka imali. Zimali eyona nto ibalulekileyo - khumbula ukuba amazinga enzala eliphezulu kakhulu kwi iidipozithi - umncipheko, ngenxa yokuba iibhanki ukuba abe iingxaki zokuswela amandla, angarholi rhafu kakhulu. Akukho mfuneko yokuba ndiphuphe uya kukwazi ukuphila kwi umdla kuphela, kufuneka uthathe ingqalelo ukunyuka, kunye nento yokuba ukuba bafumane ingeniso elungileyo evela idipozithi kufuneka ubeke phezu kwakhe isixa esikhulu semali.

Inzala iidiphozithi neendidi yesibambiso

Zonke iibhanki bahlawula abo mali abagcinisa ngohlobo umdla, kuba ukugcina imali yabo kwiziko zemali. Ngokutsho komthetho Russian, inzala idipozithi sibalwa mihla le. ahlawulwa ngokwezi isivumelwano phakathi kwabantu abagcinisa kunye ebhankini (kanye ngenyanga, ngekota, iinyanga ezintandathu, unyaka omnye, njalo njalo. N.). Kukho iindidi ezimbini yokubala interest:

1. Simple - xa umdla itsalwa kwi-akhawunti eyahlukileyo ye client. Ubhaliso lwenzeka ngexesha elichazwe kwisivumelwano.
2. Complex - xa inzala ebizwayo ukuya capitalisation. Ngokufutshane, umzimba imali qho ngenyanga okanye ngekota ize idityaniswe kwimali inzala kwimali idiphozithi.

Ngoko ke, xa uvula idipozithi ebhankini ngaxeshanye kunye ngaxeshanye, ngoko, kuxhomekeke indlela yokubala inzala, imali yokugqibela yengeniso yakho iya kwahluka. Ngokwendalo, kunye ubukhulu umdla ufumana umvuzo ongaphezu, ngenxa yale mali iya kongezwa umzimba yedipozithi kunye ukuyandisa. Rate kwiidipozithi ebisebhankini ngalinye lalo, kuxhomekeke ukusekwa kwe-nkqubo kunye nemfuneko imali ebhankini. Eyona nto ephambili eya abagcinisa - khangela isidima yeziko (kwaye namhlanje kulula), yaye emva koko kuphela isigqibo imali.

Ukuza kuthi ga ngoku, iibhanki Russian zinika abagcinisa zabo iintlobo ezintathu ezingundoqo yesibambiso:

• deposit Term.
• Nanini (ngokufunwa) igalelo.
• Savings imali.

Baya kwahluka enye kwenye linani zemihlaba yaye iimpawu ezininzi.

deposit elithi

Ikota idipozithi - ke ukubekwa imali ebhankini ixesha elibekiweyo, elichazwe kwisivumelwano, emva koko abagcinisa angarhoxisa imali yawo kunye nenzala. Kodwa kukho nenye ukhetho - baqhubeke idipozithi. Kukho iindidi ezintathu ezisisiseko deposit ixesha: elifutshane (1 - iinyanga ezi-3), eliphakathi (3 - iinyanga 9) kunye nelide (iinyanga ngaphezu kwama-9). Ngokuqhelekileyo, ixesha elide ixesha, kokukhona kwi iidiphozithi yebhanki. Kwelinye icala, olu hlobo idiphozithi inzuzo kakhulu ukuba abatyali-mali, ngenxa yokuba iibhanki ukukunika amazinga aphezulu inzala iidipozithi gama. Kwelinye icala, awukwazi phambili ukuba unqwenela ukuthatha imali yakho ngaphandle kokulahlekelwa umdla.

Igalelo nga kukhutshwa engange kunye imali yelinye ilizwe.

deposit imfuno

idipozithi abasisigxina - idipozithi esebenza ngaphandle naliphi ixesha imiqobo. umgangatho wayo ibalulekileyo kukuba unako nanini na ngexesha lokufumana imali evela kwiziko zemali umva. Izinto eziluncedo ze deposit imfuno ziquka unlimited lokugcinwa kwezinto iziyobisi kunye amathuba ukurhoxa kuzo ngaphandle kokuthotywa kwenzala. Ngu bawo - rates iibhanki ezincinci 'umdla kwi iidipozithi.

Kanye idipozithi binzana iya kuvulwa, kwaye open-waphela engange kunye imali yelinye ilizwe.

savings imali

Savings idipozithi - umnikelo eyenziwe ngexesha elithile, ngokuqhelekileyo iminyaka embalwa. Phantsi kwesivumelwano, ukuze umnini nangaliphi na imali imali ixesha kwi-akhawunti, kodwa ayikwazi ayisuseki kude kuye ekupheleni kwekota. Umlinganiselo wenzala kwiidipozithi elolu hlobo ebekwe kwenye embindini phakathi kwi needipozithi zexeshana kunye nemfuno.

Ukuvula i-akhawunti banokuba engange kunye imali yelinye ilizwe.

Imali e engange

Kuzo zonke amazwe emhlabeni ngohlobo lwemali kazwelonke ibisoloko ingqalelo inzuzo, hayi ngaphandle, kunye Russian Federation. Namhlanje, iibhanki Russian zinika abathengi isixa esikhulu lweenkqubo isibambiso engange. Rate kwiidipozithi kwiziko ngalinye into eyahlukileyo, itshintsha rhoqo, kokubini ngendlela ukwanda kunye nokuncipha. Ngokutsho manani, iibhanki ezizinzileyo okusondeza avareji senzala kwi iidipozithi. Ukusukela namhlanje, i-avareji umyinge wenzala kwimarike - kuba-9 -11% ngonyaka. Kukho, Kakade ke, iziko apho wenza idiphozithi kwaye kwi-19%, kodwa kakhulu izinga lenzala ibonisa kozinzo yebhanki leyo. Umzekelo, amazinga kwi iidiphozithi Savings Bank lwemali kazwelonke ukususela 8,41 ukuya 10,52% (ipesenti ixhomekeke ngexesha igalelo), kodwa ke igama leziko kwelona nqanaba liphezulu.

Imali dollar

Abahlali abaninzi ukugcina imali yabo yamanye amazwe. Le yimali iqhelekileyo kwi-Russian Federation, ukongeza imali engange - kuba eerandi. Abantu abaninzi, ngenxa ukwehla le engange, zama ukuba uthenge lwemali zonke umvuzo. Ngoko ke, inani labemi belizwe lethu ukulungele ukuvula i iidipozithi kwaneleyo eerandi. Ewe, izinga lenzala apha usezantsi kakhulu xa lomnikelo lwemali kazwelonke, kodwa izinga lotshintshiselwano uyawa, ngokulandelelana, imali US uyakhula. In Russia kukho ezininzi i yeebhanki ezinkulu, abonelela na umlinganiselo omhle nenzala yokuvulwa zegalelo eerandi. Izinga avareji kwi iidipozithi kwimarike namhlanje, ukusuka-4% ukuya kwisi-6% ngonyaka. A imizekelo embalwa:

• "VTB 24": ukusuka 3,22% ukuya 5,55%.
• "Gazprombank": ukusuka 3,70% ukuya 5.00%.
• "Bank of eMoscow": ukusuka 3,22% ukuya 5,61%.
• "Raiffeisenbank": ukusuka 3,53% ukuya 5,73%.

Isixa senzala kwi iidipozithi dollar, kwakunye iidipozithi e engange, kuxhomekeke ixesha ukufakwa kwemali. Ngokomzekelo, amazinga enzala iidipozithi kwi Savings Bank.

• Idipozithi 6m:. 4,19-5,05%.
• Idiphozithi nge-1 g:. 3,4-4,13%.
• Idiphozithi nge-2 g:. 3,35-3,78%.

Apha kuyimfuneko ukuba ukhethe ngamnye kwaye uthathe ingqalelo yokuba ukulungele ukuba ahlukane imali yabo ixesha elide kangakanani.

Imali e Euro

Euro lwemali baba ngabantu zithandwa ngakumbi nangakumbi eRashiya eRashiya kutshanje, kodwa unyaka ngamnye ukhetha ukugcina imali kuso. Iibhanki zisoloko uzama ukuhlangabezana abatyali mali, ngoko ke zikhethe ukusebenza zonke iimali ezinkulu (dollar, Euro, imina). Imali e euro lungalungiselelwa phantse kuzo zonke iziko zemali eRashiya. Rate kwiidipozithi kuloo lwemali lincinane, kodwa njengoko dollar, euro iyaqhubeka ngokukhula. Namhlanje, umbhodamo Russian, le engange devalued, iingcali ezininzi ukucebisa abemi ukugcina imali yabo imali yelinye ilizwe. A imizekelo embalwa yeerhafu iidipozithi lwemali angaphandle:

• SAVINGS: ukusuka 3,08% ukuya 4,95%.
• "VTB 24": ukusuka 3.12% ukuya 5.34%.
• "Gazprombank": ukusuka 2,50% ukuya 3.10%.
• "Bank of eMoscow": ukusuka 3.12% ukuya 5.21%.
• "Raiffeisenbank": ukusuka 2,53% ukuya 3,02%.

Ewe, inzala ngaphantsi kwe khona imali e engange nkqu US lwemali, kodwa abaninzi bambatha euro amathemba eziphakamileyo.

Idiphozithi zokukala kweebhanki Russian

Siphila kwihlabathi apho kungekho engasenako ukumfihla nantoni na, ukuze ufumane ulwazi malunga nayiphi na ibhanki Russian nje. Ungaya intanethi kwaye ubone yonke into onomdla kuyo. abatyali zimali wayekhangela iibhanki amanqaku ka-Russia, kunye kokukhona iireyithingi le iidiphozithi kakhulu inzuzo engange kunye lwemali amazwe. Amaxesha amaninzi, imibutho eyahlukeneyo ukuhlola emarikeni kunye nokudala itafile, nto leyo ibonisa umnikelo nenzuzo evela kumaziko. Ukuba sicinga nje iidiphozithi isithuba sonyaka-1, isikali ngo-2015 imi ngolu hlobo lulandelayo (ukusuka phezulu ukuya ukuthoba izinga lenzala):

1. "PSB".
2. "Ekhaya Credit Bank".
3. "Alfa-Bank".
4. "UniCredit Bank".
5. "Uralsib"
6. "Raiffeisenbank".
7. "Rosselkhozbank".
8. "Rosbank".
9. Bank "Standard Russian".
10. Sberbank.

Ziziphi lwemali ukugcina imali yabo?

Uqoqosho Russian namhlanje kungekhona ilungileyo kwisigaba sayo, kwabakho ukwehla ebalulekileyo engange, amaxabiso ndivuka kunye nemivuzo ukuma. Abantu abaninzi ukuzibuza lo mbuzo: "Xa athe lwemali ukugcina imali yabo," Kodwa akukho mpendulo ilula. Abanye bakholelwa ukuba kuyimfuneko ukuthenga eerandi kunye euro, ngokuba le khosi ukhula rhoqo. Abanye ukucebisa ukuvula iidipozithi e lwemali yesizwe, kuba umlinganiselo kwi iidipozithi ezinjalo ngaphezulu kakhulu. Ngamanye ngobuwena enye, kwaye kukho amacala akhabayo kunye navumelanayo. Eyona nto ibalulekileyo ukuba ufuna - ukuba isigqibo oko uceba ku tirhisa mali ezingasetyenziswanga, yaye kuphela emva koko kumiselwa kunye lwemali.

ERashiya kukho inani elikhulu yeebhanki ezahlukeneyo kunye namaziko zemali. Bonke bephela ozama sisirhintyelo kubo kangangoko abathengi kunye nokwandisa imali mboleko iphothifoliyo yayo. Wonke umntu kwilizwe lethu izama ukufumana imali engakumbi ukubonelela ngokwabo, iintsapho zabo kunye nenzala. Kuba abantu abaninzi, le iidiphozithi zibe yinxalenye yengeniso yabo. rates ifakwe kwibhanki ukuba sikwazi ukwandisa imali zethu size siphephe kwamaxabiso. Akuvumi na ukuba ukuze ufumane ezinye i% 10 ngonyaka ngamnye imali yakho imbi kangaka.

Iingcali abaninzi bakholelwa kuba kukulungele kanye ukuba ukutyala imali kwishishini. imali egcinwe ngumtyalimali, lingade liye kufika 35-40% ngonyaka ngamnye, kodwa kukho ingozi yokuba yokulahlekelwa yonke into. Ngokuba umntu oqhelekileyo, ukuba umvuzo omncinci ayisosizathu, kuba ikhuseleke ukuvula idiphozithi. Phambi kokuba abhaliswe, into engundoqo ukujonga kukuba ingaba ebhankini lilungu kaRhulumente Inshorensi System Idiposithi (phantse onke amaziko ezemali, oko kuquka). Ngapha koko, inkqubo uqinisekisa wonke umntu ubuyela 700 000, kuquka inzala.