Igalelo zazaliswa ipesenti ephezulu. Apho ibhange ukutyala

Namhlanje, wonke umntu uzama ukufumana okungakumbi ukuze sisinde kwintlekele yoqoqosho. Umthombo imali eyongeziweyo kuba needipozithi zebhanki. Phambi kokuba benze isivumelwano idipozithi, kufuneka ukhethe-sikhokelo enokuthenjwa uqinisekisa kwimeko ngokuhlanganisa intlawulo zonke izibonelelo zokugcina. Ukutyala imali, kufuneka kukhunjulwe ukuba amazinga enzala zinokuba nomahluko. Oku kungenxa yokuba iibhanki basebenzisa imali abathengi, bedlala ezinye izahlulo.

Ukukhetha ibhange

Ukholosile ukugcina imali kunokuba kuphela kwiibhanki. Xa ukhetha iziko mali kufuneka ugxininise portfolio yayo, kwakunye ngexesha lo msebenzi. Musani ukukholosa imali yakho loo masebe ebhankini, ezaziwa kancinane.

Ukwenza igalelo kuchuma mna, ekukhethwa ukuba kakuhle kwangaphambili, iinkcukacha kubungakanani eyinkunzi ogunyazisiweyo ebhankini, kwakunye nobukho imali iintlawulo alunakuqinisekiswa. Phambi ukuvula abathengi idipozithi entsha ibhanki nga uqhelane kunye amanqaku akhe, izimvo zabanye ngabathengi zibekwe kwizibonelelo ezizimeleyo.

Iimpawu okukuyo deposit

Eyona ndlela elula ukwenza iidipozithi ukuba iilebhile rhoqo. Ukuba usoloko uhlawule isixa esithile kwi-akhawunti yomntu othile, unako ukuba ingeniso enkulu ngokwaneleyo ukuba ivalwe. Namhlanje, igalelo lokwamkela ezizaliswe ngabathengi ezininzi kweebhanki ezahlukeneyo. Ubuhle bokuba iidipozithi ezinjalo kuthathwa ukuba unako uyitshaje-akhawunti yakho usebenzisa ikhompyutha kunye nokufikelela kwi-akhawunti yakho.

Kakade ke, kuye kwatsala ingqalelo nizalise iidipozithi kunye ipesenti ephezulu. Ithi ngokutyala imali emva kwexesha elithile abathengi yebhanki uyakwazi ukufumana imali enkulu. Noko ke, le minikelo zibalwa jikelele kangangonyaka okanye ubuncinane iinyanga ezintandathu.

Izinto eziluncedo ze ifakwa

Abathengi abaye ngaphambili yazuza iminikelo, uyakwazi kukuxelela malunga izibonelelo. Kuyimfuneko ukuba uyithathele ingqalelo into yokuba abasebenzi yebhanki - isoloko ngabantu abanobubele abakukhathaleleyo umthengi ngamnye. Ukuvula i idiphozithi akuyomfuneko ukuchitha ixesha elininzi. Hlola nayiphi na idiphozithi unokuba ekhaya, ehleli ikhompyutha. yokugcina ekhuselekileyo imali iya kuvumela abathengi bank ukuba utsaleleka kwizindlu yayo, kokuhamba njalo ehlabathini lonke. Kaloku, lo inzuzo efunyanwa ngumthengi emva kwexesha elithile ngokuvumelana ikhontrakthi.

Abantu imali baqinisekiswa ukufumana inzala yabo, leyo kusetyenziswa na ukuthenga. Ukwenza iidipozithi ngenyanga evuselela, abathengi beebhanki ezahlukeneyo Bambelela ingeniso rhoqo. Abaxhamla igalelo loo kuthathwa ukuba isibakala sokuba abantu bafumane kuhlawulwa qho ngenyanga. Kungenxa yoko le nto kuba iidipozithi ezinjalo kuhle ukuthembela isixa esikhulu kuloo nyanga uya kuzisa ingeniso eqaphelekayo ikhadi umthengi lowo.

Agcwalise phantsi igalelo ekhulwini

iidipozithi Bank singayilwa ukuba imali ezahlukeneyo. abathengi Bank ukuba akukho imida kwi iidipozithi. Namhlanje, ukuba ukugqiba isivumelwano nanini na ixesha ngokukhetha ukhetho eyamkelekileyo. Khumbula ehlaziya iidipozithi kwi inzala uya kubuyekezwa kuphela apho kuza kumana kusongezelelwa qho yi Sumy. Ukubeka imali ebhankini, kufuneka ukhumbule ukuba ukuze kubekho ukunyuka kwamaxabiso. Noko ke, kule meko kungenzeka ukuba kwangaphambili imeko. Ukuba imali utshintsho ikhosi kakhulu, ngoko ukususa nayiphi na imali kuba ekhaya ngekhompyutha, elibele umgca kwi-ofisi bhokisi, kubeka imali kwikhadi yoMthengi. Kuyinto elula kakhulu kwaye ngok ngokwaneleyo.

Ngoko ke akukho mfihlakalo ukuba iidipozithi eziyingenelo evuselela kungabalelwa iinyanga ezimbalwa. Khwelelani imali ngaphambi kwexesha elibekiweyo idla engenakwenzeka. Ngokutsho kwenye ngobuwena, umntu unako ukurhoxisa imali, kodwa emva koko waphelelwa ngumdla sele ethe. Ngoko ke, evula idipozithi, kuyimfuneko ukuba uhambe ngexesha elimisiweyo ujonge kwenzala. inkqubo yentlawulo yebhanki wenziwe rhoqo. Musa ukuxhala ukuba inzala idipozithi aziyi kuhlawulwa ngexesha. Amthandayo igama zazo zonke iibhanki. Iidipozithi kwakhona onokusondela wena nabani na ofuna ukusindisa imali kwi-akhawunti yakho.

idiphozithi Ivula

Ukuvulwa nayiphi na iakhawunti ibonelela isixa esithile semali, ngokuqhelekileyo ubuncinane. Ukudala idipozithi, abantu kufuneka ufundisise isivumelwano esigqitywe ebhankini. Oku kuyimfuneko ukuze bazi ukuba yintoni na igalelo ixesha xa kuya kuba lula ukuba inzala okanye ukuthatha sonke isixa sibekwe. Ukuba umthengi akazazi imithetho ibhanki kunye namazinga enzala, akayi kuba nako ukwenza ibango.

Ivula iidipozithi evuselela kunye ipesenti ephezulu, abathengi unokulindela inqanaba eliphezulu lenkonzo. Lixesha obalulekileyo kwimbali ifakwe kwibhanki uthathwa ukuba basebenze ngamaxesha obunzima. Ukuba umxhasi ekhethiweyo ibhanki oluthembekileyo, ngoko unga ngokukhuselekileyo ukutyala imali uvula iidipozithi ezahlukeneyo kunye kwenzala ezahlukeneyo. Ekwenzeni igalelo abathengi yebhanki nga pre-thethana neengcali ukuba kudala ukusebenza kulo mhlaba.

utyalo-mali

Abantu abaninzi elibanzi bakholelwa ukuba ukufakwa kwemali - mali efanelekileyo, ngenxa apho kunokwenzeka khona ukuba rhoqo inzuzo. Ukuba bathe basebenzisa isixa esikhulu, kodwa ayikwazi nkqu ukusebenza aphile phezu umdla ukuba ibhanki uhlawula qho ngenyanga. Ngokuvula idipozithi, akukho mfuneko simazi kakuhle umsebenzi kubasebenzi yebhanki yakhe, lo gama siphonononga indlela ezahlukeneyo. Kweli nqanaba, nje ngokwaneleyo ukuze bakwazi ukusebenzisa ikhompyutha. Igalelo yenyanga imiphako uya kuzisa iinzuzo ezinkulu.

Ukuba ufake imali phantsi komqamelo, kuyahenda sisisebenzise. Kwimeko lwebhanki ukuba akwenzeki. Chitha idipozithi kunokwenzeka kuphela emva kokuba kugqitywe kota. Le isixa esikhulu ukuba kusetyenziselwa izinto eziyimfuneko. deposit replenishable kukuvumela ukwandisa kuphela isixa-mali.

amazinga enzala

Ukutsala abathengi ezintsha ibhodi ibhanki leyo inakho ukukutshintsha kwenzala yesibambiso. Oku kuyimfuneko ukuqinisekisa ukuba abathengi abatsha ukwenza idipozithi ufumane ingeniso umdla omkhulu. Kodwa musani abaleke ngenxa inzala ephezulu kakhulu, kufuneka sinikele ingqalelo iirhafu avareji kwiintlawulo. Ukuba idiphozithi evulekileyo inyanga enye, amazinga inzala elincinci. Noko ke, ukuba igalelo senziwe unyaka okanye ngaphezulu, amazinga aphezulu inzala ngayo ibangelwe apha. Kulo mzekelo, susa imali uvale idiphozithi iya kuba kuphela ekupheleni kwexesha lokuba semthethweni.

Types of yesibambiso

Imali ingaba luzakubalwa ngokukhula kunye nolondolozo. Kwimeko yokuqala, ungongeza imali yenyanga zobuqu-akhawunti apho isixa ntlawulo ziya kwandisa kakhulu. Xa uvula idipozithi kuyimfuneko ukuba ukujonga sixa wediposithi. Kubalulekile ukukhumbula malunga lininzi ukufundisa kwindawo ethile. Le limiter efunekayo ukuze abagcinisa ukuba xa kuthe kwavela ingxaki ngokukhawuleza ukususa izimali zabo, ngaphandle kokulahlekelwa ukufakwa kwemali.

Ukutyala imali idipozithi, musani ukuyixhalela ngemali yabo. Ukusebenzisa iinkonzo ze ebhankini, ungenza ukwenza ingeniso rhoqo ngenyanga, nto leyo iya kubonakaliswa ngohlobo umholo ezongezelelweyo. Ngoko ke, igalelo replenishable linokuba umthombo wengeniso.

Musa ukuzikhathaza ngemali yabo. Ukusebenzisa iinkonzo ze ebhankini, ungenza ukwenza ingeniso rhoqo ngenyanga, nto leyo iya kubonakaliswa ngokohlobo nenzala.

Ziziphi iimeko zinika iibhanki athandwayo?

Ukuba uyakholwa manani kunye nomthengi ingxelo, indawo yokuqala ethandwa ixabisa Sberbank of Russia. Aba bantu kwiziko lemali adla imali yabo. Ezingabizi kakhulu igalelo pension. Ibhanki uthembisa ngonyaka ka-7,65% zezivumelwano isibambiso engange. Isixa wediposithi - 1000 engange. Kodwa umba kuphela umhlala ungenwe. mali sedipozithi Minimal yabemi eziqhelekileyo 100 000 engange.

iimeko zivuma ezinikezwa yibhanki "Standard Russian". Kuxhomekeke ekubeni isixa-mali eso sixa sedipozithi, ukuba ngaphezu kwe-100 000 engange, umlinganiselo iya kuba-10.5%. Igalelo iilebhile. Umthengi angathembela capitalisation.

"Savings 'ukuba akhuphe igalelo inikeza nabathengi ibhanki" VTB 24 ". Isixa lincinane bethenga 200 000 engange. rate yonyaka - 8.9%. Elona Imali wemvula - 30 000 engange.

Njengoko ubona, kunye Sberbank banikela ngokoMthetho ngaphantsi. Phezu kwako nje ukuba abantu bakhetha ukuba uliphathe apha. Oku kungenxa yokuba igama elihle yeziko zemali.