Igalelo elinenzuzo kakhulu ebhankini. Iipasitikhi ezinenzuzo kakhulu kwiibhanki

Iifosti enye yeenkonzo ezithandwa kakhulu ezinikezelwa ngamanqanaba emali anamhlanje. Iifosti yindlela elula kakhulu yotyalo-mali. Konke okufunwa ngumntu kukukhetha umlingani wezimali ofanelekileyo kumntu webhanki enkulu, ukuba athathe imali yakhe kwaye ayifake kwi-akhawunti. Ekupheleni kwexesha lokubambisana, inani lemali liza kunyuswa. Umcimbi kuphela omele ugqitywe ngethuba lokumisa idiphozithi kukufumanisa ukuba yintoni inxaxheba enkulu ebhankini okwangoku.

Imiba Eqhelekileyo

Ukugxininisa kwixesha lokubeka imali kwi-akhawunti yebhanki, unako ukuchonga ixesha lokufaka idipozithi kunye neemfuno zokufaka imali. Ifomathi yamuva yenkqubo inika ithuba lokurhoxisa imali kwi-akhawunti ngexesha elithile elifanelekileyo, kodwa le nzuzo iyahambelana nobukhulu bomyinge wenzala. Njengomgaqo, kuya kuba mncinci phakathi kwazo zonke izibonelelo ezitholakalayo kwimarike. Masize sigxininise ingqalelo yokuba inxaxheba enkulu ebhanki inikeza inkunzi enkulu kunye nobudlelwane bexesha elide kunye neziko lemali. Iifowuni ezincinci zexesha elincinci alikwazi ukubonelela ngepesenteji yenzuzo. Kuhlala kuyimfuneko ukuqwalasela umgaqo: ukufikelela okubanzi kumthengi webhanki kunokonga kwakhe, ngaphantsi uya kuba nenqanaba lokuzuza. Inzuzo kakhulu inokufaka ikhefu lonyaka omnye okanye ngaphezulu.

Iifom zentlawulo ephezulu kakhulu

Iimbotyi ezinenzuzo kakhulu kwiibhanki ziyakwazi ukugcina nokugcina imali. Imali yokugcina imali ayikwazi ukuzaliswa, kwaye inzala eyabelwe ekuqaleni izakufakwa kwisixa-mali esiyintloko. Ifomathi yesibini yale nkqubo ivumela ukuzaliswa kwedipozithi, ngelixa ipesenti iya kubalwa yimali eya kuba kwi-akhawunti kwinqanaba elithile ngexesha.

Ukwanda kwenyuka kweengxowa-mali kudibanisa i -interest compound, eyaziwa ngokuba yinkunzi. Isiseko salo sisebakala lokuba imali yesiseko semali egcinwe kwidiphozithi ibalwa kwakhona ngokuqwalasela umdla, kwaye kwithuba elilandelayo ukufakwa kwazo kungenziwa kuphela kubukhulu besigxina esiphezulu, kodwa nakwimfuno ebalwe ngaphambili. Inkqubo iphinda iphindwe rhoqo kwixesha elide idiphozithi iphela.

Iifomiti ezibalwa, indexed, kunye ne-OMS

Kwezinye iindidi zabathengi, iifomethi ezifanelekileyo kwiibhanki zaseSt. Petersburg kunye nezinye izixeko ziqikelelwa. Ifomathi yobambiswano nebhanki inikeza ithuba lokuzalisa i-akhawunti. Umthengi ufumana ikhadi lokubambisa ezandleni zakhe. Isimo esisinyanzelo kukufumaneka kwexabiso elichazwe ngokusayina kwesivumelwano sobambiswano kwi-akhawunti. Olunye uhlobo othakazelisayo lwediphozithi ngumkhiqizo ohleliweyo. Iyakwazi ukuvelisa inzuzo imiyalelo emininzi ephakamileyo kuneenkqubo eziqhelekileyo. Olu hlobo lotyalo-mali lubhekwa njengengozi kakhulu, kodwa ngokuhlanganiswa ngempumelelo kweemeko, isivuno kwidiphozithi singafikelela kuma-20% kwiinyanga ezimbalwa. Olunye uhlobo oluthambileyo nolungenakuvakalayo lokuphindaphinda iimali zabo yi-OMC (okanye i-akhawunti zentsimbi engenziwanga). Zingaba luncedo kakhulu, kwaye kwezinye iimeko zinenzuzo kakhulu. Amabhanki ahlawulanga inzala kuloo mali, kodwa ukuxuma kwixabiso lentsimbi exabisekileyo kwiimarike ngamazwe ngelixa idiphozithi inokuqinisekisa ukubuyela kwi-100% okanye ngaphezulu. Apha sele sele uya kuthwala.

Yiyiphi eyona nto inomdla, okanye ngamnye?

Ukuze kubalwe ngokucacileyo ukuba yintoni inxaxheba kakhulu ebhankini eyenziweyo, kufuneka sakhe kwiimfuno kunye neenjongo zethu. Ngokuxhomekeke kwizinto eziphambili, abantu abahlukeneyo baya kuba neenketho ezahlukeneyo. Ngokomzekelo, i-OMS iya kuba isisombululo esihle kubantu abasebenza kwikamva. Igolide, kuba yimithombo engapheliyo, ihlala ibiza kakhulu, kwaye kwiminyaka embalwa ezayo ixabiso layo alikwazi ukuphindwa kabini kuphela, kodwa liphindwe kabini. Inzuzo enokubonakalayo inokungenakucinganiswa neefomiti eziqhelekileyo. Abantu abaceba ukuthenga izixhobo ezibiza kakhulu baya kuxabisa idipozithi ngokuzaliswa, kuba baya kuba nethuba lokugcina imali kuphela, kodwa nokufumana umdla kubo. Ukuqokelela okulula kwintlawulo kuza kubonelela ngenzuzo enkulu kuphela ngemali yenkxaso yemali.

Inzala yomdla - ingqalelo enkulu

Iifowuni ezixhamlayo kwiibhanki zaseMoscow nakwezinye iidolophu akuzona ezo i-interest rate maximum. Kubalulekile ukwazi ukuba iCBR ilawula ngokucacileyo le ncwadana, ixhasayo kwinqanaba elingaphantsi okanye elincinci. Ukuba isikhungo semali sinikeza ireyithi eziliqela zamanqanaba aphezulu kunomyinge kwimarike yezemali, ngumqondiso wokuba iziko lemali linenkxalabo yobutyebi. Ulawulo lwexeshana lwenziwa kula maziko azama ukutsala abatyali-mali ukuba banikezele ngokufanelekileyo.

Kutheni sifanele sishiye ibhetri enkulu kwivenkile?

Ukukhetha isantya esiphezulu se-deposit kwi-market, unako kwaye ungaboni imali yakho. Iibhanki ezinkulu zingenziwa ngamabhanki amancinci, ayenzela kuphela isiseko sabathengi. Into ephambili apha akuyi kuphanga kwaye ayiyi kutyalomali kwiziko apho ubukho babo bubuhlungu. Emva kokuvavanya umbuzo othi iibhanki zinemivuzo engenayo, kuyacaca ukuba kungcono ukuvumelana ngesantya somyinge wesantya kwintengiso yebhanki, ukuphucula umlinganiselo wenzuzo kunye nobungozi. Inani elifanelekileyo leentlawulo ngo-2015 lihluka kwi-10% ukuya kwi-12%.

Imali yediphozithi

Isivuno sediphozithi sincike kwimali yaso. Ngokweengcali, kuyimfuneko ukutyalo imali kwiyunithi yemali apho kucetywayo ukuba isetyenziswe. Ngaphandle koko, ngenxa yokuhamba kwekhosi, awukwazi nje ukulahlekelwa ngumdla, kodwa ulahlekelwe ezinye zeemali. Ngokomzekelo, ungathatha umgcini-mali osandul 'umva othe wanyula iifom ehlawulekayo kwiibhanki zaseMoscow eRuble, uceba ukuthenga emva kwexesha kwiidola. Ukukhethwa kweenkqubo kwenziwa ngokuqwalasela ukuba idiphozithi yesizwe semali yafika ngenomdla ophezulu. Ngenxa yoko, ukungena ngokwemvelo kwisantya kwiinyanga ezintandathu ezedlulileyo "akudli" kuphela yonke ingeniso, kodwa kunye nenxalenye enkulu yenkunzi. Ukuze ubuyisele imali elahlekileyo kwi-dollar elinganayo, kufuneka wenze utyalo-mali kwi-50% ngonyaka, ongenakwenzeka kwimakethi yezemali. Into ethembekileyo kwaye inenzuzo yinkxaso kwiidola, kuba imali iyimali yokugcina imali. Nangona ukuguqulwa kwezinga, kuqina ngakumbi, kwaye ngokubhekiselele kwimicimbi yezoqoqosho zakutshanje, ithuba lokuncipha kwelo xesha lungekho.

Yiyiphi idiphozi inokuthi ibekwe njengenzuzo?

Namhlanje, phakathi kokuncintisana okunzima kwinqanaba lezemali, ezininzi iibhanki zinika inzala enomvuzo kwiifomethi kubo bonke abathengi babo. Ngokuqhelekileyo, ngezinga eliphezulu, iintlawulo ezongezelelweyo okanye imeko ezinzima zokubambisana zingabonakali. Amanye amaziko emali angayenqaba ngokupheleleyo umdla, kwaye aze ahlawulise ihlawuliso yokuphela kwexesha lesivumelwano. Oku kufaneleka kwakhona kubonelelwe. Iimali eziphambili kwiibhanki zaseSt. Petersburg kufuneka ziguquguquke. Siyakwamkela: ukhetho lwemali kunye namaxesha ambalwa okugcina imali, ukuhlawula inzala kunye nenkokhelo ekhethiweyo yekhemishini kwi-akhawunti. Ukuba isigqibo sibonakele ngokuchanekileyo, kwaye igalelo elikhethekileyo likhethiweyo, kwibhanki kuyimfuneko ukuba ithunyelwe emva kokufunda ngokucophelela yonke ingcaciso.