Yeyiphi ibhanki kukulungele kanye ukuba ukuvula idipozithi: kwenzala, iimeko

Xa umntu sele efunde isixa esithile semali, ucinga ukuba kunokwenzeka ngakumbi ukuba abagcine kude nekhaya. Kwaye qatha engqondweni ingcamango ukuvula idipozithi, ngoko nkqu ngomdla. Ke imali iya kuba, njengoko bathi, umsebenzi umnini. Ingcamango akukho nto imbi, kodwa ke kuqala kufuneka isigqibo elunxwemeni. Kaloku, kubalulekile sixelele ngokufutshane malunga iinkonzo ethandwa kumaziko zemali Russian.

yebhanki yokonga

Abantu abaninzi bakhetha ukuba ukuvula idipozithi kwi mbutho inokuthenjwa nezingqinekayo. Kunjalo, leyo kuthathwa ukuba Sberbank. Kukho abathengi ahlukeneyo aziinkalo zokukhula ukuba zibe amakhulu. Uyakwazi igalelo engama, othi "Eyona nto zexabiso." Kuya kuvulwa iintsuku 175. Rate - ku-8% ngonyaka. Njengesipho umxhasi yinkqubo inshorensi.

Kunjalo kukho igalelo "igcina". It iya kuvulwa ubuncinane inyanga kunye ubuninzi leminyaka emi-3. rate yonyaka - ukuya 6,49%.

Kunjalo ukuba iminikelo "atshaje", "Drive", "Ndiphe Ubomi", "Multi", "International" yaye "Savings". Oko malunga yokugqibela kuhle ngabo iinkcukacha ngakumbi, ekubeni kakhulu njengento elingenammiselo, yaye ezizaliswe nokususwa mda nayiphi na imali ubuncinane. Izinga ingahluka 1.5 ukuya 2.3%.

Masithi umntu iye yagqiba ukuvula unyaka igalelo Savings Bank kunye kwaoko nxiba yi kwesigidi engange. nyanga zonke yongeza ngaphezulu kwe-20 yayo 000. Ngenxa yoko, kuba unyaka sele efunde engange 1.262.200, apho 22 209 - ingeniso net. Nangona kunjalo, kunye efanayo "uyitshaje" uya kuzuza imali engakumbi. Emva rate - 6%. Kunye nemiqathango ingeniso efanayo lokugqibela iza kuba 66 800 engange.

VTB-24

Abantu abaninzi bakhetha ukuvula idipozithi kwi ebhankini. Inikeza kwanele. Kodwa engcono "Good" kunye nezinga eliphezulu 8,55%. Kunye negalelo yokuqala-1 000 000 ingeniso iza kuba ngaphantsi kancinane kwama-80 000. Hi ndlela leyi, inzala noba kusala-akhawunti okanye ukudluliselwa I card. Oku yindlela ufuna client. Okuninzi VTB-24 ulungile kuba inika ukwandiswa oluzenzekelayo yedipozithi kunye neemfuneko ezifanelekileyo ukuze ukupheliswa kwexesha.

Kodwa "Good" okubi kuba iindleko awukwazi iilebhile. Ngoko ke, kulula ukuba abantu abanemivuzo kakhulu, ngubani na ukuvula idipozithi isixa esikhulu. Kodwa "Intuthuzelo" yaye "Savings" - rates reloadable. Ukuba ingxelo yenyanga ka-20 amawaka engange, ekupheleni ingeniso engange-62 ukuya kuma-78 amawaka, ngokulandelelana.

"Rosselkhozbank"

Eli lelinye iziko zemali ethandwayo. Abaninzi bakhetha ukuba ukuvula iidipozithi e engange apha. Enye yezinto ezihamba kakhulu ethandwa - ". Classic" uluhlu lwamaxabiso Le ngesixa esincinci idiphozithi 3000 engange. Yena akazange kuchuma mna, kodwa izinga eliphezulu yi 8,55%. Hi ndlela leyi, unako ukuvula idipozithi isithuba seentsuku ukusuka kuma-31 ukuya 1460. Ukuba wenza idiphozithi ixesha ubukhulu kwaye wenze le mali engange nesigidi esinye, yenzuzo lilonke kuya kuba ngaphantsi kancinane kwama-335 000 p. Kodwa ke ukuba abaninzi elide kakhulu. Kodwa ke, ukuba wenza idiphozithi iintsuku 395, ngenxa ingeniso iza kuba 86 000.

uluhlu lwamaxabiso "Amur ihlosi" ngakumbi ezithandwayo kunye izinga eliphezulu ukuya kwi 8.1%. Kukho izigaba ezithathu - 395, 540 and 730 iintsuku. Ubuncinane mali - 50 000 engange. Inzala ihlawulwa ngenyanga nganye kwaye ekupheleni kwexesha zihlawulwa ikhadi debit asinikezwanga umxhasi emva kokwenza umnikelo. Kuyenzeka ukuba ukuhlawulela iinkonzo zezindlu kunye eziluncedo, uqhagamshelwano mobile, sithenga kwiivenkile intanethi. Kwaye abantu abaninzi, ukwenza ukusebenza ikhadi, inceda ukukhusela amahlosi Amur ekhethekileyo. Inxalenye yokuqala yeengeniso ingeniso "Rosselkhozbank" izintlu Kumbindi isifundo kunye nokulondolozwa kwezi zilwanyana ezinqabileyo.

Kucelwe

Kufuneka kuqatshelwe ingqalelo kwaye umbutho, ukuthetha malunga ibhanki ukuvula igalelo buyanceda yonke. I Kucelwe uye iingcebiso ezimbalwa. "Obukhulu" ukunikela izinga lwamaxabiso ye-8.3% kwisithuba seenyanga ezi-3, 6, 9 no-12. Imali Ubuncinane yi-30 000 engange, ngokumpontshwa kunye nokususwa akunakwenzeka. Y fare "Ukuqhubeka" Ipesenti yi 7.6%, i "Pension" - 7.4%, kwaye "Flexible" - 6.7%. Kusekho i -akhawunti yokonga kunye ngereyithi eyi-6.5%.

Kaloku, kuyenzeka ukuba wenze nomzekelo iinzuzo zokusebenza ezinokubakho. Ukuba umntu imali engange kwesigidi ngenyanga nganye kwaye agcwaliswa-20 000, zonyaka kwi "Ukuqhubeka" uya kubutha 73 200 p. Le nzuzo ecocekileyo. Kwimeko 'Pension "kuya kuthetha ukuba malunga 83 000. Kwaye irhafu" lula "ekupheleni kweli thuba iza ukulanda 74.000 engange. "Obukhulu" ilungele ukuba abantu ingeniso enkulu, njengoko wemvula kwimeko yakhe azinikezelwanga.

"Gazprombank"

Inxalenye abathile baseRashiya isigqibo ukuvula idipozithi kwi umdla entlanganweni. "Gazprombank" liqulathe iingcebiso ezintlanu. bonke umalunga imali esisiseko. First ATHUNYIWEYO - "Ethile" kunye nezinga eliphezulu 8.2%. Eli gama iqale ukusuka kwiinyanga ezintathu ukuya kwiminyaka emi-3. Wemvula unganikezelwanga.

Kunjalo kukho "Savings". Bid imali ngaphantsi kwe-8%, kodwa kusenokwenzeka makasizalise akhawunti njengoko kwimeko yereyithi "yidityaniso olutshintshatshintshayo", qondo liphezulu apho - 7.9%, kodwa ukurhoxiswa kusekho buso ekhoyo. Kukho kwakhona ingumlinganiselo "rentier" (6.7%).

Eyona ndlela kakhulu ithandwa - "Savings". Sinikezwe izigidi, uya kuthabatha malunga 74 000 ekupheleni konyaka. Kodwa ukuba usebenzisa isantya 'ethembisa ", idipozithi iminyaka emithathu, ekugqibeleni uza kukwazi ukufumana njengepesenti ngokomyalelo 210.000.

Alfa-Bank

Ekugqibeleni makhe sithi amagama ambalwa malunga mbutho. Umntu ugqiba ukuvula idipozithi kwi Savings Bank, omnye bethanda nge "Alfa".

Isindululo lokuqala - eli lweerhafu "A +". Izinga yaba 7.3%. Imali izigidi ekupheleni konyaka baya kuzuza ngama-75 000. Iqondo ubizwa ngokuba "Saphuma". Kuphela kulo mzekelo, izinga yi 7,87%, kwaye ingeniso iyonke, ngokulandelelana - malunga 79 amawaka engange. Igalelo, ngasendleleni, iya kuvulwa isithuba phakathi kweenyanga ezintathu kunye neentsuku 750.

Kwakhona, kukho izinga "Ubomi Line". I-Bank iya ukudlulisela inxalenye yokuqala yeengeniso abathengi kwengeniso isiseko eponymous, owenza inkcubeko loluntu uncedo yokupha zemali abantwana abanezigulo ezimbi. Ukongeza kule miba ingentla apha, abaxhasi zenziwa iminikelo "amandla", "premium" yaye "Premier".

Ngokubanzi, njengokuba ubona, zonke iibhanki kufuneka iimeko zangaphakath. Komnceda ntoni na umntu, kuyo nayiphi imeko aya kufumana, nendlela iya kuba mkhulu - kuxhomekeke kwimali igalelo layo kunye lweerhafu ekhethiweyo. Phambi kokuba uye kwicala elinye okanye kwelinye iziko zemali ukuze uqhelane zonke izithembiso iyathandwa kwaye ufumane ingeniso umdla kunokwenzeka.