Indlela omkhulu ukugcina imali - ukuvula i-akhawunti yokonga imali. Funda indlela ngoku!

Imali e zinako ukukhonza nje akuba eyinikiwe le mali kwi-akhawunti ze ususe ezo nangaliphi na ixesha. Ezinye iintlobo ze iidipozithi ukuvumela ukuba ugcine imali ethile. Loo ithuba kufuneka lunikwe ingqwalasela njengento ukungakwazi ukugcina imali uzigcinele iinjongo zabo - iyingxaki baseRashiya amaninzi.

Savings akhawunti - ukuze ngokuba negalelo evumela ukuba ukuzuza imali kwi-akhawunti ngokohlobo umdla.

uhlobo

Kukho akhawunti yokonga ukulungiselela iinjongo ezahlukeneyo; ngokuba imfazwe ngenjongo yokuphucula iimeko zokuphila (inkqubo karhulumente ukuxhasa iindidi ezithile abemi), abantu ngokusemthethweni (be LLC, JSC) kunye noosomashishini ngamnye, nto leyo evumela imibutho ukugcina imali nge kwengeniso evela inzuzo.

Kwezinye iimeko, abemi wagqiba ukuvula i-akhawunti yokonga ukuze babe kulondolozo "mini ngemvula" okanye ukuthenga kakhulu (okunye okuhle mboleko apho umboleki kufuneka ahlawule isixa esikhulu nje ithuba lokuba athathe imali ebhankini).

Eyongezelelweyo evela ebhankini

ukhuphiswano Healthy phakathi iibhanki yenza kube lula ukufumana nje kuphela elungileyo umyinge wenzala kwi idipozithi, kodwa iziphakamiso umdla. Abagcinisa uvule zonke iimpawu ezintsha kunye ibhonasi entle. Ngokomzekelo, ezinye iibhanki mihla zikulungele ukuba intlawulo ekhutshwa phantsi kwemiqathango ukwenza notsalo-akhawunti yakho xa ufumana imali kwelinye - i-akhawunti yokonga imali.

Yenza imisebenzi efanayo kunye iidiphozithi lula nangaphezulu yaye uza kuba lula ngakumbi kuthiwa-"Bank Online". Ukufikelela kwi-Internet, uyakwazi ukungena kwi-akhawunti yakho kwi-website esemthethweni yebhanki apho une akhawunti, kwaye ukwenza nayiphi na imisebenzi ngemali yakho: thola iidipozithi ezintsha, imali nezinye akhawunti (kuquka ezinye iibhanki kunye iminikelo) ... abanye '

Ngaphezu koko, kulula ukufumana ukuba yintoni umlinganiselo ingeniso ufumana ukusuka isixa esithile. Ukuza kuthi ga ngoku, kwiwebhusayithi yebhanki iposelwe izibali yokonga. Ngena kwi data endle sokubala, cinezela "Bala" iqhosha kwaye ufumane imali kwi-akhawunti yakho ekupheleni kwexesha. Ngoko ke bonke abantu banokukhetha yibhanki kunye luni (igama) Igalelo kufuneka ukuvula.

lwalo olukhethwayo

Ngokumalunga umdla omkhulu kwi-idipozithi, kuyimfuneko ukuba ukukhumbula oku kulandelayo. kwiibhanki ezinkulu, ezinkulu linokuthenjwa uzimisele ukunikela iireyithi asezantsi makabe iidipozithi, kodwa ukuqinisekisa yokugcina ekhuselekileyo imali yakho. Le rate (njenge-6%) olwaneleyo ukuze ufumane ingeniso alunakuqinisekiswa. Kodwa amancinci. Banks kangako, kodwa yimbali kancinane kuphuhliso, bakulungele ukunikela fabulous (ezinqabileyo kakhulu) Izinga eliphezulu - 12%. Kuhenda kodwa kuyingozi.

Imigaqo deposit

Savings akhawunti ebhankini - yindlela mihla ekhuselekileyo, iindleko-esebenzayo lula ukonga imali ze wonge imali.

Kodwa ngaphambi kokuba uthathe ithuba ukunikezwa ezilingayo, kufuneka sihlolisise iimeko igalelo. ukuba zahluke kakhulu phakathi kwiibhanki. Ngokomzekelo, xa zokurhoxa yokuqala imali ungaphulukana ezinye zazo (hayi nje inzala wathembisa). Nangona kukho iziphakamiso, elathi nezokukhupha imali ngaphambi kwexesha ngaphandle nayiphi na ilahleko. Musa ngaphandle ithuba kuyo yonke: ebomini kukho izinto ezi- mnandi, kwaye ukuba uzilungiselele ngcono.

Kubalulekile kwakhona ukuba siqwalasele indlela yokwenza imali le akhawunti. Ezinye iinkqubo zebhanki musa ukuvumela iimeko ezinjalo. Kwaye Wena uyakwazi ukuhlala naye, ukuba niyavuma ukubeka imali endilisekileyo imali ngamazinga aphezulu umdla. Ke, ukuba akunjalo, kungcono ukukhetha iibhanki evumela ukuba nizalise akhawunti yokonga.

Iimeko ezibalulekileyo ezifana kwikota idipozithi lwemali. Ukuba ukhetha ixesha elide, kungcono ukudlulisela imali ibe lwemali amazwe, kwaye ezahlukeneyo, kwaye ufake kwi akhawunti eyahlukileyo. Ngoko ulahlekelwe ngaphantsi kule khosi. Engange zifaneleke ngakumbi kuba idipozithi isithuba sonyaka omnye.

Kunye nenqubo eyiyo kwimeko, umntu unako ukugcina imali kuwonkewonke kwixesha elifutshane ixesha. Ezinye zimali bayakuvuyela mababelane ngebali labo: akhawunti yokonga sivumele othile ukuya eholideyini elide-ilindelwe, umntu ukwenza ukuthenga enkulu, yaye umntu aphile iinyanga ezintandathu emva kokushiywa umsebenzi wakhe. Ukuvula i igalelo enjalo amaxesha imali kakhulu etyeni - 3000 engange. Kukwenza uzibuze? ..