Kwidiphozithi elifutshane-gama iipesenti eliphezulu. Apho iimeko kuFeliks?

iidipozithi Bank ziyindlela ukugcina imali yabo kwimiphumo eyingozi kwamaxabiso, kwakunye ngamasela ngubani na ukungena phantsi komqamelo ebe lazy indlwane iqanda.

Yaye phantse wonke umntu ufuna ukuba apapashe igalelo ngamazinga aphezulu inzala, kodwa ukuba yenziwa njani?

Ukuze ufumane izibonelelo ezahlukeneyo, kwaye ke ibhanki ilungele ukuhlawula kubathengi ezahlukeneyo

Ngoko ke akukho mfihlakalo ukuba umgaqo esisiseko nokusebenza lebhanki - loo nto ukwenza imali ngaphezu uchitha. Yeendlela eziphambili ingeniso yebhanki, kukho ezimbini, zezi:

• zokuhlala kunye nemali neenkonzo (emva koku - CSC);

• ukubolekisana.

Xa RKO bank, isimiso, akuyomfuneko izibonelelo ezongezelelweyo zezimali, ukuze ngetyala, kuyimfuneko ukuba imali, nto leyo zikhutshwa kubathengi.

Umthombo iphambili ekutsaleni iidipozithi ngaba ishishini kwezibonelelo zemali. Kwaye nangona inzala ezahlukeneyo, bonke bephela efanayo omnye komnye, kodwa, Kakade ke, abanye umahluko.

Umlinganiselo wenzala kwi idipozithi - indlela ukutsala abathengi

Ukuze zikwazi ukutsala esona sixa sikhulu semali ngelona xesha lifutshane kangangoko, iibhanki neziqhuba abathengi ukuba iminikelo ngamazinga aphezulu umdla. Kakade ke, ukuba uninzi lwabantu izakukhetha kanye loo maziko zemali elibalula ibhidi liphezulu.

Ngapha koko, ukuba ibhanki kwikona inikeza amagama kakuhle kakhulu, ngoko kutheni ukuya apho umhombiso lomnikelo?

abacebisi bezemali ngokuqinisekileyo angaqala ukuxelela ukuba kuyimfuneko ukuba ukujonga umyinge wenzala kunye nemfuneko ukuhlola umlinganiselo yebhanki, unxibelelwano, ukuthembeka kunye uzinzo kwezemali, ingakumbi xa sithetha iidipozithi amazwe ngamazinga aphezulu umdla.

Oku inyaniso yayo yaye inxalenye ethile ubuxoki. Enyanisweni, nala mazwi, bazama ukudlala kwi umnqweno wakho ukuba bahlale ndawonye empumlweni, bangethi imali yabo.

Oku, ngengozi, kuyenye indlela esebenzayo evumela ezinye iibhanki kufuneka isiseko esibanzi umthengi, ngaphandle amadini mntu na ke kwabo ukufaka igalelo ngamazinga aphezulu umdla.

I ephezulu imali

Ngeliphandle, nkqu ngo-2009, abantu abaninzi abayazi ukuthembela imali zabo kwiibhanki, neziye zithi ke ngoko ", yozigqabhuza" njenga maqampu. Kodwa ekuhambeni kwexesha abuyiselwe nokuzithemba iibhanki, nangona ngoku utsiba lwemali kwanyanzeleka ukuba sizive sikhathazekile le. Kodwa endala iidipozithi amazwe ngamazinga aphezulu inzala, Kakade, ayisa Ayifumaneki.

Xa sihlalutya imarike iinkonzo zebhanki, sinako ukubona izinto ezithile ukuba azinziswe ngokuqinileyo kwi Russian Federation. Makhe sijonge kuwo.

Kakade ke, iingxaki ebhankini ebhankini, yaye zonke ezi nkqubo wakhe lweenkqubo dipozithi, benikela ngamazinga aphezulu umdla. Nangona umahluko enokubakho ebalulekileyo amazinga enzala iidipozithi, umahluko kweemeko mboleko kunye idiphozithi ababangela efanayo.

Yiloo nto ke umahluko phakathi izinga avareji kwi iidiphozithi mboleko asisininzi yamaziko yemali eRussia kwinqanaba elinye.

Yiyiphi iminikelo kubhetele ukuba akhethe ukufumana inzuzo kakhulu?

Ngelishwa, iimeko ngoku dipozithi, iidipozithi ebhankini, nokuba ngamazinga aphezulu inzala, musa ukuvumela ukuba ngenene ukwenza imali yabo. Ingakumbi wasiqonda ngokucacileyo oku abathengi bank abaye bakhetha ukuba ukuvula iidipozithi kwi engange ngethemba ixabiso elingaphezulwanga imali yelinye ilizwe.

Ngenxa yokuba le engange iwile kakhulu nxamnye dollar, ikomkhulu kanye abatyali-mali iye yehla nge phantse ezimbini amaxesha. Ngelo xesha, ekupheleni needipozithi zebhanki ngamazinga aphezulu umdla uya kuphinda-13 ngaphezu% yengeniso. Oku nokuba ngaba uthathe kwi emali akhawunti. Kwaye nabo bakwazi ukufumana umngcipheko kwaye beka idipozithi wase US, phezu koko, wangenelwa.

Ukuthelekisa amazinga enzala iidiphozithi ezinikezelwa ziibhanki kwi Russian Federation ukuya kwinqanaba lamazwe aseYurophu, siyakwazi ukubona ukuba iibhanki aphesheya bakulungele ukuhlawulela izibonelelo zemali zincinane kakhulu. Ngako oko, ubungakanani imali mboleko kwakhona asezantsi kakhulu kunokuba kwimiqathango enikezela kwimarike Russian kweenkonzo zezimali.

Imilinganiselo ukuba unikel 'ingqalelo yakho xa ukhetha uhlobo lwe-akhawunti

Ukuze ubone ukuba nkulu njani buyanceda ukufaka imali ebhankini, kubalulekile ukuqwalasela le ngongoma zilandelayo:

• Amanqanaba izinga lenzala;

• Ixesha le dipozithi;

• iimeko waphelisa isivumelwano, izibophelelo zamaqela;

• isidima yeziko mali;

• yohlelo.

Siya baqonde ngokweenkcukacha.

iimeko imirhumo kufuneka ingalahlekisi

In search of elinemalinzalo ephezulu kulula ukuba abe lixhoba lokuphangwa. Ukuba inqanaba le dipozithi umdla yahluke ngokucacileyo ukusuka iimeko umlinganiselo emarikeni, oko kwaoko kubangela inkxalabo.

Umzekelo, oku akuthethi ukuba ibhanki ibaluleke hayi imali ngokwaneleyo. Loo sikhundla kungakhokelela okukhawulezayo kwiziko zemali ungonakala. Emva ukukhulisa iirhafu iidipozithi kufuneka kwandiswe ngokuzenzekelayo iikhomishini kunye nenzala mboleko. Kwaye liye loyikiswa ngesenzo kukuba kubathengi ukuze babuye umva ukusuka elunxwemeni.

Khangela iidipozithi ngamazinga aphezulu umdla iinyanga ezi-6? Funda ulwazi olulandelayo

Ngokufuthi, amazinga aphezulu kuvandlakanywa kwemali, nto leyo zibekwe kwi iinyanga 9-12 ngohlobo lwemali kazwelonke. Ukongeza, kukho into ebalulekileyo kukuba imeko umdla kunye nokususwa umzimba idipozithi.

Ukuba ufaka ulwazi malunga ibhange akayi ukususa igalelo kwangaphambili, ngoko ungalindela ukuba womemeza kakuhle ngakumbi. Nangona kukho iinkqubo ezahlukeneyo nomtsalane ngokukhawuleza ubonelelo ngemali, ukuba ibhanki akanayo imali yokusebenza ngokwaneleyo.

Kwiimeko ezinjalo, amaziko zemali zinika iidipozithi elifutshane-gama amazinga enzala aphezulu kunye ixesha leenyanga-1 ukuya ku-3. Kodwa kubo enzima kakhulu. Kubonakala kanye ukuba uwusondeza kangangoko 15%, kodwa hayi kwi ixesha lesivumelwano (ixesha apho imali ibekwa), kunye nonyaka ngokupheleleyo. Ngoko ke, kucingwa iidiphozithi elifutshane ngamazinga aphezulu inzala, izinga elicetywayo ngesabelo ngasinye ekhulwini kwikota yesivumelwano lokufaka imali.

Kananjalo kubalulekile ukuba siqaphele mnye umyalelo - iziko zebhanki ngakumbi, lo uphantsi umlinganiselo azifakele singanakho. Ewe, uyakwazi ukubona indlela abanye ibhanki ezingaziwayo unika 15, 17 okanye 20 nokuba% ngonyaka kwi esitratweni.

Ukuba mna ndiyakholwa ukuba wena ufumane imali yakho kwakhona? Kusenokwenzeka kakhulu ukuba le arhente ezincinane zemali, yozigqabhuza ngeenyanga 3-4, kwaye imali yakho iya kuba umntu epokothweni yakho, kodwa hayi wena. Nokuba ufuna ukufaka iidipozithi inyanga enye phantsi ipesenti ephezulu, akukho mntu uya kukunika isiqinisekiso ukuba naliphi na iziko zemali ziya kubuya imali yakho.

Xa ukweliphi inqanaba-NMMU imali namhlanje?

Rates zingatshintsha yonke imihla, njengoko zixhomekeke ngqo umgaqo-nkqubo ebhankini kunye nokuqhuba imeko yemarike zezimali.

Namhla, ukuba uya phezu kweendonga, nge-avareji uya kufundiswa:

• needipozithi zexeshana ka miri - ukusuka 6.0% ukuya 10.0%;

• kuba iidipozithi efanayo, kodwa wase US - ngaphantsi kwe-3%;

• iidipozithi ukuba ixesha elingenammiselo - ngaphezu kwe-2%, xa ibekwe engange kunye ngaphezulu igazi yamanye amazwe.

Sinako ukuthelekisa la manani kunye avareji izinga lokukhula kwamaxabiso eRashiya, leyo (ngokusemthethweni) omncinane ekhulwini ngaphezu 10.5 ukususela ekuqaleni kuka-2015. Yaye xa sicinga into yokuba imali engange yawa kabini, ngoko ke ukhangela nangakumbi.

Ngenxa yoko, imali yokwenene asizuku sebenza kuzo naluphi na uhlobo lomnikelo.

Funda ukuba uphawu

Kukho kukuba zonke umthengi, isivumelwano ufunda akukho ngaphezu kwe-10%. Iindidi ezikhethekileyo kukho abameli ukufunda ngokucophelela ngamazwi onke, ezama ukufumana ezithile ezingavela.

Amaninzi kwiidipozithi e engange phantsi ipesenti ephezulu izivumelwano, kwakunye nayiphi na enye, ukuze kumiselwe iimeko ngaphaya eza imigibe. Umzekelo, wena unomdla ephakamileyo wenzala, nto leyo iingongoma ezimbalwa ngaphezulu kwezinye iibhanki.

Kwisivumelwano ebhankini enjalo emiselweyo intlawulo ikhomishini xa ubeka okanye ukhupha imali. Okanye ngaba banikwe izohlwayo ngaphambi kwexesha okanye nantoni na elolo hlobo.