Inzala iidipozithi kwimigangatho eMoscow. Apho ke inzala kuFeliks?

E Moscow, kukho isebe ngundoqo uninzi kweebhanki Russian. Kungenxa yoko le nto umntu ukufumana ingeniso evela kutyalo yesibambiso ziya kukwazi ukufumana ukhetho ofanelekileyo. Ngawaphi amazinga enzala iidipozithi e iibhanki ezisebenza eMoscow namhlanje? Le umba exhalabisa bonke abo banqwenela ukuba bafake imali yabo.

Apho ibhanki kubhetele ukuba ithwalwe imali?

Ngoku ilizwe lethu lifumana akuyona indlela engcono amaxesha kwimbali yawo. Ukungabikho ukukhula ebonakalayo kuqoqosho inokuchaphazela uzinzo kwindlela yokusebenzisa imali. Yiyo loo nto kubalulekile ukuba ukujonga indlela kwiibhanki zorhwebo ethembekileyo. Ukunika nzima impendulo ecacileyo. Abahlaziyi ukucebisa kunokwenzeka ukuba ukufunda ngokweenkcukacha imeko yangoku kweli ziko, nto leyo unomdla isakhono client, yaye kuphela emva koko yenze isigqibo sokugqibela malunga iibhanki, iidiphozithi, amazinga aphezulu umdla.

EMoscow - isixeko apho iingxaki kunye ukhetho ubunjani kubekho ubungqina. Ukuza kuthi ga ngoku, zombini urhulumente kunye nezorhwebo iibhanka nxaxheba kwinkqubo ye-inshorensi idipozithi abantu bendalo. Lo mba kuqinisekisa ukubuyiselwa kwemali umxhasi nokuba kuthe ukutshona ngemali. Makhe sihlolisise le inzala engcono iidipozithi ezibhankini eMoscow.

iidipozithi kwemali Foreign in Russian

Indlela buyanceda ukugcina imali yabo yamanye amazwe namhlanje? inzala Ubukhulu iidipozithi kwi-Bank of eMoscow iidola kunqabile ngaphezu-6% ngonyaka. Siyakwazi ukubona ukuba ukubheja iphantsi kakhulu. Kodwa ke, ngokwenza ngaphandle esisibambiso lwemali ufumana isiqinisekiso okukhulu ulondolozo kunye nophuculo imali yakho. Thina sithetha ngegama, kodwa intsingiselo yokwenene amanani. Indlela ukuyiqonda le nto? Kwixesha elidlulileyo le dollar yayilingana 40 p., Ke ngoku 50-60 engange. Abathengi owabathengayo zeerandi yaye emva koko zinikwe idipozithi lwemali namhlanje ziya kuzuza. Okokuqala, ukuba bayayifumana inzala, yaye okwesibini, xa ngokutshintshiselana zeerandi engange ziya kufumana isixa omkhulu ngaphezu kweendleko xa uthenga imali yelinye ilizwe.

Inzala iidipozithi kwimigangatho e Moscow (lwemali)

Yintoni irhafu ngoku zifumaneka kumaziko Russian zemali kwiidipozithi imali yelinye ilizwe? Umzekelo, JSC "United Credit Bank" inikeza idiphozithi "kwemali nodumo." Xa ubeka imali kunyaka omnye umxhasi uya kufumana-8% ngonyaka. Kulo mzekelo, akukho amathuba capitalisation inzala, kodwa iilebhile igalelo. Ukuba umxhasi ekupheleni kwekota kwesivumelwano akezi ngemali, kukho avtoprolongatsiya idipozithi kwithuba enye ngomyinge wenzala, leyo izenzo mzuzu. Le midla isenokufana efanayo kwakhona inika nabathengi "Arksbank". Kodwa "Vneshprombank" liqulunqe iintlobo ezininzi iidipozithi ngeedola US. Igalelo "imali ubuninzi" (umyinge wenzala nemiqulu 2.5 ukuya 7.5%) ucebisa ukuba ngokwenyusa kancinane imbuyekezo zabathengi.

Umgaqo ofanayo ebekwe phantsi kwi inzuzo ezinye iidipozithi:

• "Client Imbeko" - izinga kunyuka ukusuka 5.2 ukuya 7.5%;
• "Control Universal" - ingeniso iya kuba ukususela 3.7 ukuya 6.3%;
• Beka idiphozithi "Access Free", ungafumana ingeniso ukusuka 4,45 ukuya 7.00%.

"Bank of eMoscow": iidipozithi imali yelinye ilizwe, inzala

Le Iidipozithi "BM Bank" iya kuvulwa kwi-ofisi iziko, ngokunjalo kwi-Internet. Oku, ngengozi, Kulula kakhulu kubantu abangenayo ixesha ukuza kwisebe. Eyona okuqhubekayo kubathengi yebhanki - yi "Bank of eMoscow". Imali e umdla kweli ziko, kusenokwenzeka ukuba isivuno enjalo, njengoko kwezinye izakhiwo. Ubuhle bokuba "BM" - inkonzo umthengi ekumgangatho ophezulu, amava iminyaka emininzi 'ubukho kwimarike zebhanki ngamazwe, ukuzithemba abagcinisa.

Le deposit imali "ingeniso iphezulu" ubuncinane i $ 100 okanye 100 euro. Umlinganiselo wenzala ixhomekeke kwikota yedipozithi kunye nemali. Umzekelo, ukuba uthe wabubeka 100 ukuya $ 20,000 iintsuku 91, ngoko ke inzala yakho iya kuba 1.35% ngonyaka. Ukuba wenza isixa elifanayo iintsuku 550 umlinganiselo iya kuba 1.7%.

Igalelo "ukwanda Ubuninzi" ayikho nje inzuzo, kodwa akukho ethandwayo ngaphantsi. Lunika ithuba lokuba uyitshaje kunye capitalisation umdla. Ngokomzekelo, uthabathe inani elifanayo kunye nexesha elifanayo. Umlinganiselo wenzala kwi idipozithi iintsuku 90 yaba 1.25%, kwaye xa iintsuku 550 - 1.6%.

"Bank of eMoscow" inikeza elinye igalelo umdla lwemali - "intuthuzelo eliphezulu". Zeziphi iimeko yedipozithi? ixesha idiphozithi ukusukela kwiintsuku 91 ukuya 1095 umxhasi ukhetha ngokuzimeleyo. Elona Isixa-mali sedipozithi yokuqala lwemali $ 100 okanye 100 euro. Inzala ihlawulwa ngenyanga. ukhetho umthengi ukuba kusenokuba capitalisation okanye intlawulo ikhadi eyahlukileyo.

Yintoni ibaluleke ibhanki inikeza kubaxumi bayo? Xa ubeka imali akwiidola (umzekelo, $ 1,000) ngosuku-91 Ingeniso umthengi yi 1.15%. Ewe, izinga lincinane, kodwa ... iminikelo Terms zinika amathuba unlimited: ukurhoxisa imali niwuzalise idipozithi kunokwenzeka ngaphandle kwemiqathango. Enyanisweni, i-akhawunti ukutshekisha rhoqo, kuphela "Bank of eMoscow" inzala iidipozithi ubeka usoloko ephakamileyo (kangangoko kunokwenzeka).

Imali e lwemali kazwelonke

Imali e engange ezifundisa phantse zonke iibhanki eMoscow. Iidipozithi best interest kuwo kunye neemeko siya ngoku ukuxoxa.

Okwangoku, kuye zithandwa kakhulu, "Isixeko Bank". Inkqubo 'angxamisekileyo kwiimveliso utyalo-mali "yaye" nezakhi kunye inshorensi numbers "ingeniso umthengi yonyaka ziya kufumana-18% ye-mali sedipozithi. Nangona kunjalo, akukho ithuba yokuqinisekisa norhoxiso imali ngexesha lonke kwekhontrakthi. Isixa-mali sedipozithi zisezantsi engange yi-30 amawaka engange.

An uhlobo umdla inika "Ekhaya Credit Bank". Le nkqubo ibizwa ngokuba 'unyaka Luyingenelo kunye nobumba ". Enye yezinto ezilungileyo idipozithi kunokubonwa isihloko. Izinga yi 17,23% ngamnye ngonyaka. Imigomo ukubonelela wemvula. Ubude Ubuncinane yesivumelwano - iinyanga ezili-12.

Bank Sedipozithi Lwenkqubo "Trust", "ngumxhasi Wawongwa" utsale elungileyo umyinge wenzala (15.25%). Yintoni umdla malunga nale umnikelo? I-Bank akasinikanga kungenzeka ngokumpontshwa kunye nokurhoxiswa kwemali lonke ixesha lesivumelwano, ezifikelela ubuncinane iinyanga ezili-12.

iidipozithi amazwe kwezinye iibhanki Russian

kwezimo zinika iibhanki ezininzi Russian (iidipozithi, ipesenti ephezulu). Moscow - oko kumbindi weRashiya, hayi eUnited States, ngoko ke inzala eliphezulu kakhulu kwiidipozithi lwemali amazwe soze kubakho. Ukuhlalutya lwesibalo kwiibhanki zasekhaya, asikaziboni picture isenokunganambitheki xa uyicinga: enye irhafu ephezulu inzala iidipozithi dollar busisigxina kwiziko zemali "Trust" kwaye 6.25% kuphela. Ngaphezu koko, izakhiwo ezininzi zinika abathengi ukubeka imali kwi-6% ngonyaka ( "inkokeli MDM," "Russian Standard", "Bin-Bank"). Amanye amaziko zemali iimeko nangakumbi.

isiphelo

Kakade ke, wonk 'kwenza ukuba imali kufuneka athathe onke izigqibo ngokwabo, kodwa ukumamela izimvo kunye neengcali. iingcali Financial bakholelwa ukuba kubhetele ukubeka imali lwemali kazwelonke, kwaye nathengwa phezulu kakhulu rate.

holo abaphumelelayo wena!