Imali, Personal Finance
Okukuyo iidipozithi "Savings" - bank kwiSabi ekude
Enye amaxabiso abo banqwenela ukufumana ingeniso eyimpumelelo ukugcina imali yabo kumaqela anjenge "Savings Bank", - umnikelo egcwele. Le idipozithi iyafumaneka kuwo wonke umntu, kuba iya kuvulwa njengoko nje le akhawunti. Kwanele ukuba ukuqala ngo-1000 engange, kwaye kusenokwenzeka ukuba ukudlulisela imali eyongezelelweyo rhoqo, kwakunye ukufumana inzala ethe imali yabo.
Abathengi babe nethuba lokuba bakhethe capitalisation ngumdla okanye ukuthatha ngqo kwi-akhawunti yakho. Eli binzana kuba ncinci - iinyanga ezi-3, kodwa igalelo kwakhona of "Savings Bank" banokubekwa kweminyaka emi-3. Yena uya kuba nesisombululo obutofotofo ukuqokelelela isixa esifunekayo ngomhla othile.
Iimeko imali-yokwenza sokwandisa idiphozithi
Niwuzalise iidipozithi , "Savings Bank" ungaligcina nje kuphela imali yakho ekhuselekileyo kuwe njengoko bona, ke, ukususela abahlaseli, kodwa kufumana umvuzo oko kubo ushiye ixesha elithile ebhankini.
Ixabiso izinga lenzala ngexesha elinye kuxhomekeke kwizinto ezininzi: uhlobo lwemali ekhethiweyo kwimali kunye nexesha bakhawuleze idipozithi. Ngokubhekisele kowethu zingafumaneka% ukukhula 0,4-2,05 ngonyaka ngamnye, kwaye engange - ukususela 4.6 ukuya 7.28% ngonyaka. Ukuthobela kwenzala ngokwexabiso engange, kwakunye nexesha idipozithi inikwa kule theyibhile.
| deposit Isixa | elide deposit | ||||
| iinyanga 3-6. | iinyanga 6-12. | minyaka 1-2 | minyaka 2-3 | minyaka 3 | |
| ukususela 1000 ukuya kwi-100 lamawaka engange. | 4.6 | 5.15 | 5.5 | 5,75 | 6.0 |
| ukususela 100 amawaka. ukuya ku-400 lamawaka. bagcobe. | 4.8 | 5.25 | 5.6 | 5,85 | 6.1 |
| ukususela 400 amawaka. ukuya ku-700 lamawaka. bagcobe. | 4,95 | 5.4 | 5.7 | 6.0 | 6.25 |
| ukususela 700 amawaka. 2 mln. bagcobe. | 5.1 | 5,55 | 5.9 | 6.15 | 6.4 |
| ngaphezulu kwezigidi-2. engange | 5.3 | 5,75 | 6.1 | 6,35 | 6.6 |
Kuyimfuneko kuphela ukuba ukukhumbula ukuba kwakhona igalelo "Savings Bank" zikhule ngokungenammiselo nge ngeniso eyodwa ayikwazi. Limit izihlandlo ezilishumi ubukhulu isavenge sokuqala, esasenziwe xa kuvulwa i-akhawunti. Emva koko, izinga lenzala ngokuzenzekelayo kuncitshiswa zibe kumgangatho "kwimfuno" umnikelo, okt ukuya kutsho kwi 0.1% ngonyaka. Kubalulekile ukuba ungagcina umkhondo indlela ukuya ixabiso embundwini kunye nokuthintela ukuhla inzuzo imali yakho.
Lwenza lula yaye kuphucula ubomi mali Internet?
Niwuzalise iidipozithi, "Savings Bank" kwaye iya kuvulwa usebenzisa ikhompyutha kunye nokufikelela kwi-network, okanye mandithi nge "Sberbank Online" - inkqubo iinkonzo zebhanki ekude. Le ndlela yokufaka iza kubonelela umvuzo ukuze ephakamileyo 0,15% ngaphezu idipozithi ukuvulwa eqhelekileyo kukutyelela zobuqu ebhankini. Ewe, kwaye inkqubo zokuqokelelwa kobutyebi iya zibonwa ukusuka kulawulo evumela zebhanki ngekhompyutha.
Enye bonus kuba banegalelo intanethi kuya kubakho ithuba lokuba niwuzalise idipozithi yabo nasiphi na isixa ngaphandle kwezithintelo, ngoko ke ubuncinane ukongeza phezu counter - 1000 engange. ukusuka kuziphendulela kwinkqubo yokunikezela igalelo kuthatha imizuzwana nje, kwaye ingenziwa nangaliphi na ixesha elimlungeleyo. Ezi zonke iingenelo evulekileyo ngokusebenzisa "Online Savings" idiphozithi "uyitshaje kwakhona". NgokoMthetho idiphozithi zibelula ngaphezu kwindawo eqhelekileyo.
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