Iirhafu iidipozithi namhlanje Rosselkhozbank: irhafu kunye nenzuzo

Namhlanje, i-Bank Sezolimo emilebeni wonke. Wonke Russian uyazi omncinanana malunga ubukho eli ziko-mali. Kwaye abaninzi basebenzisa ngempumelelo iinkonzo ukuba inikeza. Namhlanje Rosselhoz is on indawo 6 phakathi 600 iibhanki eRashiya. Inxalenye enkulu yenzuzo inceda ngenxa iidipozithi yabathengi, banyusa iirhafu entle iidipozithi. Okwangoku, i-Bank Agricultural ibamba engange ngaphezulu kwe 2,76 billion (assets). Ngoko ke abantu ukuphalazela kuye imali yabo. Yaye amaninzi ithuba ukucinga: mhlawumbi ukuvula kakhulu idiphozithi?

Igalelo "Inzala phambili"

Kunokuthiwa, umzuzu nezahlulo wokugqibela. Oku kusebenza de-28 Februwari 2017. rates abaninzi kwiidipozithi namhlanje libonakale Rosselkhozbank, kodwa le olulodwa. Nazi ke iimeko:

• idiphozithi isenokuba 395 okanye 548 iintsuku;
• imali elinganiselwe 3000 engange;
• Ugqibo akwenzeki;
• zonke iintengiselwano iindleko ayifumaneki;
• ulwandiso oluzenzekelayo akwenziwanga;
• rate - 7.2% (iintsuku 395) kunye 7.4% (iintsuku 548).

Eyona nto ibalulekileyo - bonke abantu inzala iya unelungelo umva! Ukuze sibe ngqo, ngosuku lokuqala lokusebenza emva kokuvulwa idipozithi. Inzuzo mkhulu. Umzekelo, thatha le isixa semali - engange million 1. Ukutyala ixesha elingange (iintsuku 548), loo mntu uya kufumana nangoko 111.100 engange yenzuzo. ingeniso Instant - oko kukuthi into etsalela abantu kule rate. Akumangalisi ukuba ngoku ithandwa kakhulu.

nezaphulelo

Ngoku kuyimfuneko ukudwelisa ezinye irhafu kwi iidiphozithi. Okwangoku, i-Bank yezoLimo iyathandwa "Pension". Abantu intetho yesazisi efanelekileyo, uyakwazi ukuvula igalelo enjalo. Imali elinganiselwe engange-500. Ubuninzi - kwezigidi ezibini. Efumanekayo wemvula igalelo kuyo nayiphi na imali, kodwa debit intengiselwano ezinokunikezelwa. Bid zezi:

• iintsuku 395 - 7.3%;
• 540 - 7.7%;
• 730 - 8%.

Ngoko ke ngubani na catch? Ukuba ilungu elidla umhlala uya imali 100 amawaka engange ukuba elona xesha lininzi, ekupheleni uya kufumana 117.288 engange.

Kodwa ezi zibalo anezinga entle kakhulu iidipozithi. Okwangoku, i ethandwa Rosselkhozbank "Amur ingwe". Imihla ziyafana kwimeko 'Pension ", kodwa iirhafu zezi zilandelayo: 7,85%, 8.1% ne 8,05% ngonyaka. Kulo mzekelo, kuba nenzuzo kakhulu ukwenza idipozithi iintsuku 540. Xa imali ezifanayo engange-100 000., Emva kweenyanga ezili-18, loo mntu uya kufumana 12.150 engange yenzuzo. Ekuphela caveat - isixa Ubuncinane 50 000 engange. Kodwa phantsi kweemeko ezinjalo ukwenza ngcono ukutyala imali eliphezulu.

"Classic"

Nguwo lowo umnikelo ngengcono ekhoyo kwi-Bank Agricultural. deposit inzala ingahluka criteria ezininzi. Kuxhomekeke kwixesha lwemali, le pesenti transfers indlela (nyanga nganye, ekupheleni okanye ikepusi). Into ebalulekileyo nkqu indlela ukuvula idipozithi (kwi-ofisi okanye kude). Ukudwelisa yonke zeenketho elide, kodwa kungcono ukuba bangakuxelela ntoni na omnye lowo yonke uye Bank Agricultural.

Inzala iidipozithi kuya kuba yingenelo kakhulu ukuba abantu benze "Classic" ngejelo inkonzo ekude isithuba seentsuku 1460 (iinyanga 48.5) kunye nentlawulo ngexesha lokuvuthwa. Isixa ingaba ikhona, kodwa hayi ngaphantsi kwe 3000 engange. Kwaye izinga iya kuba 8,55% ngonyaka. Ukuba abantu imali kwesigidi, ekupheleni kwexesha uya kufumana 346.750 engange yenzuzo.

Izinga eliphezulu xa iidola ye 1.3%. In euro - 0,35%. Elona idipozithi - 100 $ / €. Le meko efanayo njengoko sisombululo ingabizi kakhulu - lokuvula idipozithi iintsuku 1460.

ezinye iziphakamiso

Kaloku, evumayo ezidweliswe ngasentla iminikelo lwezoLimo Bank of namhlanje ukuba abadla umhlala phantsi kunye nabantu abaqhelekileyo. Ekugqibeleni amagama ambalwa malunga neminye iminikelo. Kukho iimali ngakumbi apho abantu beya Bank Agricultural.

Imali e engange inokuba nenzuzo kakhulu. Thabatha, umzekelo, "numbers". Ukuba uvula idiphozithi ngejelo inkonzo ekude, izinga eliphezulu iza kuba 7,45% ngonyaka. Oku kunjalo ukuba umntu ukutyala imali engange million enye iintsuku 540. Elona thuba lide, ngasendleleni, ziintsuku 1.095. Ubuncinane - iintsuku 91. Kodwa ke silinganiselwe kwisixa esisesona - million 10 engange okanye 300 000 zeerandi / euro. Hi ndlela leyi, ubhejo kakhulu kule mali ilingana no 1.2% ne 0,35% ngonyaka. Plus, le lwamaxabiso kukuba igalelo iilebhile. Kodwa ubuncinane 3000 engange / $ 100 / € 100.

Last umnikelo elungileyo - uluhlu lwamaxabiso "Qhuba." Kufumaneka kuphela ingqesho, kodwa imali buso. Apha lo mthetho ilula: intsalela ephakamileyo ubuncinane, kungona rate. ukunikeza Best - idipozithi uvula iintsuku 540 kunye nentshiyekela engange 500 000. imali deposit obukhulu - 10 million.

Le amazinga kakhulu kukhuphiswano. Eethenda iimeko ezahlukeneyo, kakhulu. Kodwa yonke lwamaxabiso isebenza ulawulo olulodwa: kokukhona umxhasi ukutyala, okuqinileyo ngakumbi iya kuba inzuzo yakhe.