Iidipozithi Bank. abantu Natural ifakwa

Nokuba siyathanda okanye hayi, kodwa zebhanki Amngqonga nganye. Izibalo, iintlawulo, intlawulo umvuzo, iinguqulelo, kunye namaziko zebhanki ngakumbi ngoku wenziwe.

Kodwa iibhanki enye, ngamnye ngokuyintloko ezinxulumene iimveliso zemali kakhulu ezahlukeneyo. Imali-mboleko - ezo nkonzo kweebhanki ukuba babe ukwabiwa omkhulu-isikali kunye nemfuno. Ngamnye kuthi ubuncinane kanye ebomini wacinga malunga nokuqala-akhawunti yokonga okanye ukuthenga izinto ngetyala.

Ukuba isixa ngeenxa imali, kwaye ndifuna ukuba andiyi kuthetha amanga nje ekhaya phantsi komqamelo, anibuyisele ingeniso ethile, ngoko kungekudala uyeke ukucinga ukuba ukwenza njani oku.

Kwakhona, ukuba ngaba une ingeniso ephantsi, awukwazi wonge imali ngokuthenga ezibizayo, uya kucinga ngendlela ukanti abuthe imali eyimfuneko imali.

Iibhanki zinceda ukugcina imali

Isisombululo zombini yokuqala kwimeko yesibini iidipozithi bank ezahlukeneyo.

Emva yeengxaki zemali ehlabathini jikelele, abantu abaninzi musa ukuthembela iibhanki, ekholelwa ukuba babeza ekhohlisa. Kwaye akukho nto ayimangalisi - okunene ngelo xesha kwakukho amatyala ezininzi ungonakala yamaziko zemali, non-ekubuyeni iidiphozithi kunye nezinye iziganeko ezingemnandi ezithintela okanye ephule amalungelo abathengi.

Imali zikhuselekile

Ekubeni needipozithi zebhanki kuba ikhuseleke kakhulu. Kwinqanaba lowiso, ukwanda kakhulu imfuno kunye nokulawulwa kwe-Central Bank kumaziko zebhanki. Ukongeza, ukubekwa esweni rhoqo ukuqinisekisa ukuba imali yazo zonke iimali-mboleko anikwe kwibhanki ukuba siphephe imeko enjalo, eyathi yabonakala ngexesha lobunzima, xa mboleko azibuyiswa yaye, ngokunjalo, kwakungekho mali yokuhlawula iidipozithi ukuya iimfuno zabathengi.

Kwigalelo akayi kuba nako ukufumana

Hayi nangoko yokususa intsomi ukuba iidiphozithi ibhanki iya kuvumela imali ezilungileyo abanini bazo. inzala eyiyo kwiidipozithi bengekho kwinqanaba ukunceda ngokwenene ukuzenzela imali yabo. Oku kunokwenzeka kuphela xa imali idiphozithi elikhulu - kodwa olu khetho alukho ukuba wonke umntu, nkqu nabo ingeniso avareji, abafane babe nethuba ukuze aqokelele imali eyaneleyo.

Xa iimeko yanamhlanje needipozithi zebhanki zezi kunokuba indlela yokulondoloza imali aqokelelwe kwindawo ekhuselekileyo, kwakunye ngendlela elungileyo ukujongana uphelelo eyinkunzi ngenxa emali. Kuba ngaphezulu akuyomfuneko ukuba nethemba.

iintlobo yesibambiso

Iidipozithi kwimigangatho zimelwe kuluhlu enkulu bezicatshulwa ezahlukeneyo. Xa needipozithi zebhanki ngalinye ingabizwa ngokwahlukileyo, kodwa imigaqo esisiseko kubo bonke bephela zinokudityaniswa iintlobo 5-6.

Kukho zombini ngenxa amaqumrhu asemthethweni kunye needipozithi zabantu emzimbeni. Amashishini kunye neenkampani kufuna ephakamileyo namazinga enzala asezantsi kakhulu, ngenxa yokuba imali ibekwe rhoqo kakhulu igqithe uphawu engange kwesigidi esi-1, kwaye igama elithi yesibambiso ezinjalo - ubukhulu becala akukho ngaphezu kweenyanga ezi-3.

needipozithi zexeshana, inzala yazo lelona liphezulu phakathi kwazo zonke ezinye iintlobo, zezona ethandwa. ingqalelo hlobo iikhastoma akumangalisi, ngenxa yokuba wonke umntu ufuna ukufumana ingeniso enkulu. Maxa wambi eliphezulu-inzala nzisa intloko, kwaye umntu ulahlekelwa siphaphile.

Ukucwangcisa zona ibhange ukubeka idipozithi yakho, musa ukulibala ukuba kukho amaziko anjalo, ngomso okungakwazi abe yimali. Ngokuqhelekileyo, amaziko ezemali, apho izinto zingahambi kakuhle kakhulu, nokutsalela abathengi inzala ephezulu iidipozithi, leyo kumanqanaba aliqela zahlukile linikeza eliphakathi. Ukukhetha le ndlela ilungileyo zokubeka imali zabo, cela naziphi na ukunikelwa zeentengo zemboleko embizeni.

inzala High kwi idiphozithi kusenokuba kubonisa imeko embi zemali

Umzekelo, ukuba kwiziko inika idiphozithi ye-30% ngonyaka kwaye ngexesha elinye phantsi kwemiqathango zenkqubo yekhredithi ithatha nje yikomishoni-35%, oko kukuthi isizathu sokucinga. Ngapha koko, aba-5% - oku ngokwenene ingeniso ibhanki yakhe. I ezincinane umsantsa, ezincinci wamkela imali ebhankini, yaye ngenxa yoko ke amathuba okuba uzinzo kwezemali ingaphantsi.

Akukho mfuneko yokuba aphendule amazinga aphezulu inzala njenge Roquefort ikhathuni uphawu ukusuka khathuni "Chip and Dale", nto leyo wavakalelwa nevumba sisi, ulilahle yonke kunye ngokoqobo wabuyela kumthombo wayo.

Thelekisa ukunikezwa ezahlukileyo kwimarike, fumana avareji uze uzame ngokwakho ukuqonda ukuba kutheni ibhange-20%, kwaye enye - 30%. Umzekelo, uyakwazi ingqalelo igalelo le iidiphozithi Savings Bank, ebonelela malunga ne-10% ngonyaka.

iidipozithi elide zinako ukuba zombini kunye ilungelo wemvula kwaye ngaphandle amathuba.

Igalelo iphambili ngaphandle wemvula kubalwa ubukho mali eninzi imali umthengi ukuba kanye wasibeka phezu oyilwayo kwaye sibe ngenyanga okanye ngexesha elinye-inzala intlawulo. Mva nje iye yaba imeko eqhelekileyo lokuvula i akhawunti ikhadi apho ibhanki yenza ekuhlawuleni inzala, nto leyo eyingenelo ebhankini kunye lula ukuba i-akhawunti umnini idipozithi, ukuba iindleko ukugcinwa imaphu enjalo angu nothi okanye ezincinane kakhulu xa kuthelekiswa nemivuzo ehlawulwa idiphozithi.

Uyakwazi babuthe iphupha

Imali leyo iilebhile, zithandwa nabaxumi abangakwaziyo nangoko anikezele iphuma kwibhajethi yalo isixa esikhulu mali kucelwe. Oku kunokucaciswa yokuba ngokoqobo ukunceda kuzibuthela kwamanye ukuthenga eninzi, itikiti kwabakhenkethi okanye nantoni na enye into eninzi. Uyavuma ukuba 100-500 engange , ungenza elinye inyanga, ukuyeka ikofu kakhulu, ukuhlafuna itshungama, ekhwela iteksi. Ngelo xesha linye ukulibaziseka njengoko apha ekuhambeni konyaka uyakwazi Buthani kuqala mali, nto leyo enqwenelekayo chitha evenkileni.

Uze ube ngogqibeleleyo ukuze abo wayesoloko efuna ukuhamba, kodwa wayengakwazi zilibaziseke. Nale minikelo hlobo ukuphumeza izicwangciso ezinjalo, kunokwenzeka ukuba abantu phantse naliphi na inqanaba ingeniso.

Iminikelo inokuba zemali ezahlukeneyo

Kufuneka kuqatshelwe ke, ukuba iidiphozithi zinokuthi zibekwe nje kuphela lwemali kazwelonke. Amaxesha amaninzi, ezi iidiphozithi kwi engange babe irhafu ephezulu inzala, njengoko iibhanki inzuzo ngakumbi ukuba ukusebenza kunye lwemali Russian Federation, ngokunika ngayo ngetyala.

rates Inzala iidipozithi wase US kunye kowethu, asezantsi kakhulu kunokuba abo zivulelekile engange Russian. Banks inzuzo ngakumbi ukuthenga imali kwi-Central Bank, ngoko ithengiswe kwiiofisi ngokutsha.

Tips for Ukukhetha Bank

Ngenxa yokuba amazinga enzala kwiimvumelwano idiphozithi zohlobo olufanayo kwimigangatho eyahlukeneyo malunga enye, oyena mbuzo ubalulekileyo ihleli malunga anikeza imali.

Kwaye urhulumente akusoloko kuchaphazela Bank. Eyona isithintelo ibalulekileyo nxamnye nobuqhetseba - indoda ngokwayo. Musani ukukholosa imali yakho kwabo amaziko yemali engeyiyo andiva. Iibhanki ukuba unyaka okanye emibini, kakhulu, musa ingakumbi ukukholwa. Ebudeni beli xesha, kunzima ukuqonda, ukuba nempumelelo okanye umgaqo kungekudala "ukudubuleka", kuya kuthatha ixesha elide. Lo mba kufuneka bangabangxameli abadlali.

Kukho iinkonzo Idiposithi Insurance, enokusetyenziselwa ukuba ufuna ukukhusela imali yakho.

Ukuba ufuna ukufikelela ukuqinisekisa phantse-100% ukuba uya kubuya imali umva, mabayahlule nje imali, ababefuna ukwambatha sedipozithi kwibhanki mnye zibe ziingceba eziliqela kunye nolondolozo ezivulekileyo akhawunti ukuba yinkunkuma encinane, kodwa kwiibhanki eziliqela. Le isisombululo kuqinisekisa ukuba imbuyekezo yemali yakho, nokuba ibhanki iya ongenamali.

Yaye khumbula ukuba zindululo, ezahlukileyo kakhulu iimeko avareji icala elidala, ubukhulu becala ukuba ndiphume umphefumlo yokugqibela okanye ongcakazo nayiphi na ibhanki, kwaye uyizalise kakhulu yingozi.