Banks e Ukraine: iidipozithi (deposit)

Umda iinkonzo zebhanki yenziwe kakuhle Ukraine. Oku imelwe inani elikhulu amaziko zemali ezahlukeneyo. Kwimarike kukho zombini, imibutho amancinci abucala, kunye iingxilimbela zebhanki ngamazwe.

Kwi-nkqubo yezemali, leyo abawenza kweli lizwe, iphenjelelwa yimiba ezininzi: uphuhliso yemarike, inqanaba lomsebenzi lwabaxhasi, imeko yezoqoqosho kweli lizwe, umgaqo-nkqubo yolawulo ye-National Bank of Ukraine (NBU) kunye, Kakade ke, ingxenye kwezopolitiko.

Okulandelayo, siza kuqwalasela unikeza imali ezenza iibhanki ezahlukeneyo Ukraine.

Imali - indlela yokonga imali

Nangona eliphezulu inzala ukuba iibhanki kuyibingelela iidipozithi, imali yokwenene ke musa ukuvumela. Le ingazinzi yezoqoqosho meko, apho kuboniswa kokuphuma kwamaxabiso kunye ukwehla yesizwe lwangoku, ibe yingozi ukusebenza ngomhla ekongeni eliqhelekileyo zabantu.

Nkqu intlawulo-mali ka-20% ngonyaka akavumeli ingeniso yokwenene, eziya kuchaphazela kakuhle-ntle lesigulane eso. Ngoko ke iidipozithi ezinjalo iibhanki Ukrainian kunokuba ukubizwa indlela ukulondoloza ixabiso eyinkunzi. Ngapha koko, it ikuvumela ukuba wonge imali evela ifuthe emali kunye nezinye izinto ezimbi zoqoqosho.

Iidipozithi ukuba ziyafumaneka kubantu

Njengoko kuchaziwe ngaphambili, iibhanki e Ukraine, apho iidiphozithi kuya kuxoxwa ngezantsi, kukho nobukhulu obahlukeneyo. Ichaphazela kwakhona akufundise kwi iidipozithi. Ngokomzekelo, amaziko amancinane zemali unomdla ekutsaleni inani imali yaye bazimisele ukuba ukuhlawula imali ebekiweyo kule umyalelo wukulu swinene ku tlula iibhanki zenkqubo.

Ngelo xesha, amaqela zemali yamazwe ngamazwe sebenzisa isidima nokuthembeka zabo, benikela abathengi awo kunye namazinga enzala asezantsi.

iibhanki Ukrainian, iidiphozithi zazo ethandwayo, bakulungele ukuhlawula eyahlukileyo ukuba uhlobo oluthile dipozithi. Ukuze siqonde le makhe sihlolisise iindidi iidipozithi ngokungqinelana khrayitheriya zilandelayo:

• lwemali akhawunti;

• wokuphuthuma;
• amathuba wemvula okanye ukurhoxiswa kwenxenye ilungelo;
• indlela ekuhlawuleni inzala;
• nkqubo kwiindidi ezithile kwabemi;
• ukunikezwa ngabanye.

Ngokubanzi, iibhanki ukunika ukuvula idipozithi kwenye amathathu iimali: UAH, USD, EUR.

Ngoko nangoko Kukwabalulekile ukuqaphela ukuba wokugqibela ezimbini, kukho amazinga aphantsi kakhulu nomdla ngaphezu kwemali lwemali kazwelonke. Kwaye lusoloko wafumana umahluko phakathi ipremiyamu kwiidipozithi ngohlobo lwemali kazwelonke kunye namanye amanqaku yebhanki kumaxesha ezingaphezu kwama-3.

semthethweni

Ngokutsho ixesha iidiphozithi kwimigangatho Ukrainian yohlulwe kwikota kunye nemfuno. Le yokugqibela badla efanayo rhoqo akhawunti lokukhangela, kodwa inzala kwimali eyikheshi.

rates Inzala iidipozithi kwimigangatho Ukrainian olu hlobo ephantsi kakhulu kwaye kwinqanaba 3-7 ekhulwini ngalinye, ukuba akhawunti yavulwa UAH. Yamanye amazwe ziphakamiso ezinjalo nzima ukufumana, ngokuba bengengabo ithandwa nabaxumi. Esona sizathu siphambili le meko kubizwa imali ephantsi likhuphe imali - malunga 1-2% ngonyaka ezinikezelwa iibhanki e Ukraine.

Iidipozithi ezi ukususwa ezahlukeneyo kunokwenzeka okanye wemvula. Njengoko le ngxaki kunye gcwalisa.

Bank inomdla kakhulu into yokuba abathengi ezivulekileyo akhawunti imali ukulungiselela ixesha elide ngaphandle ithuba kususwa ngokubeka isixa esikhulu semali. Phantsi imiqathango iyakwazi basebenzisa lemali nenzuzo ngendlela.

Kule siphakamiso kunye namaziko zemali va kwi iidipozithi ezinjalo: 18-24% in ngemali yendawo.

Umyalelo ziwe ngaphantsi kwe iinzuzo iibhanki Ukrainian zinika abathengi ukuvula i-akhawunti ithuba wemvula: malunga 15-18% ngonyaka.

umahluko imasikizi kweli kwinqanaba nenzala efumanekileyo iidipozithi kunye emakethe ngaphandle kwalo zilahlekile. Ukukwazi ukwandisa umzimba idipozithi, kwakunye kukhutshelo umdla ngenyanga kwi-akhawunti yekhadi ziyafumaneka phantse zonke iintlobo zonke iidipozithi. Ngoko ungenza ingqalelo kuphela olu khetho kuphela njengendlela yokwenza iinkonzo ibhanki leyo lula ngakumbi kubathengi.

Azifumaneki kuzo zonke

Kukho kwakhona iidipozithi, leyo inokubekwa kuphela phantsi kweemeko ezithile. Umzekelo, iidiphozithi le ipension. Bangakwazi kukhutshwa kuphela xa xa umxhasi uza isiqinisekiso pension.

Ayeleleneyo iziphakamiso zikhona ezinye iindidi abemi: Noomateloshe, abafundi kunye njalo njalo ..

Ukuze athi zindululo ezinjalo zahlukile kakhulu ukusuka umgangatho, akunakwenzeka. Kodwa lidla ezinjalo kwiimeko, Ukufumaneka ezithile iingenelo neebhonasi. Umzekelo, ilungu elidla umhlala ufuna ukubeka idiphozithi. Oku kwenza ngokuzenzekelayo ukuvula ikhadi pension, apho aya kufumana njengoko inzala iidiphozithi, kunye nenzuzo yomhlalaphantsi. Ekubeni yelungiselelo kuluncedo kwiibhanki, zilungele lomvuzo ezingaphezulu. Le bonus mali amanqanaba sedipozithi unako ukufikelela-12% of lokwaNdlalela.

iingcebiso

Ukuba ngaba VIP-client, unako ukubala kwiimeko ngamnye kwi iidipozithi. Ukuba ufuna impendulo kumbuzo wento iidiphozithi kwimigangatho ye Ukraine inzuzo, ngoko khangela ukuba abe kwizindululo ezinjalo.

Ukungxamiseka iidipozithi ezinjalo kakhulu elifutshane, ngokuqhelekileyo iintsuku zekhalenda-31, kodwa izinga uyakholiswa kamnandi. Mhlawumbi ngaphezu isiseko yi iingongoma ezimbalwa.

E Ukraine, uninzi yeebhanki ukulungele ukwenza ukunikezwa ezifanayo kubaxhasi bawo xa ebeka isixa esilingana zemali yendawo ku-20 amawaka. Dollars. USA okanye ngaphezulu.

Imeko namhlanje

Namhlanje singenza iireyithingi imali olandelayo beebhanki Ukrainian, ngokusekelwe kunikezelo yangoku amaziko zemali kwiidipozithi:

1. "Yeposi" (Fidobank) - 29%.

2. "Lwenyanga" (Ibhanki "Trust") - 26%.

3. "Term Plus" (Privatbank) - 24%.

4. "Ongxamisekileyo Classic" (Ukrsotsbank) - 20,75%.

5. "New Year" (Ukreximbank) - 20.16%.

Oku kunokubonwa ukuba amaziko ezincinane zemali zinika amazinga aphezulu inzala iidipozithi. Ngasechwebeni icala e Ukraine, iidiphozithi kuzo zidweliswe ngasentla, watsala abantu abaninzi kangaka.

Kwelinye icala, oko kuthetha ngayo ukunqongophala olomeleleyo imali yokugubungela liabilities. Kulo mzekelo, ibhanki unako ukusebenza nokuba umda inzuzo okanye ilahleko, leyo yeyona ndlela imfutshane ukuya ungonakala.