Bank deposits. Natural vanhu bhangi deposits

Tingava here kana kwete, asi rwezvemabhengi vakakomba neimwe. Masvomhu, kubhadhara, kubhadhara mubayiro, shanduro, uye zvakawanda rwezvemabhengi nemasangano zvino kupedzwa.

Asi panguva imwe chete mabhanga, mumwe zvikurukuru chokuita zvinhu zvemari zvakasiyana. Deposits uye zvikwereti - avo Banking mabasa. vane pamwero mukuru kuparadzirwa uye kudiwa. Mumwe nomumwe wedu kanenge kamwe muupenyu ndakafunga kutanga kubhangi kana kutenga zvinhu nechikwereti.

Kana uine kumativi mari, uye tinoda kuti kwete nhema pamba pasi mutsamiro, uye uuye iwe vamwe mari, ipapo pakupedzisira here kurega kufunga sei kuita izvi.

Uyewo, kana iwe une mari yakaderera, haugoni kuponesa mari pane vamwe kutenga zvinodhura, uchafunga sei vachiri kuunganidza zvakakodzera mari.

Banks kuramba nemari

Mhinduro vose vokutanga uye nyaya yechipiri vangava zvakasiyana bhengi deposits.

Mushure yose mari dambudziko, vanhu vakawanda havana kuvimba mabhanga, muchitenda kuti vaizopiwa chandakukanganisira. Uye hapana zvisingashamisi - zvechokwadi panguva iyoyo zvakanga zvakawanda zviitiko kusauka kuti masangano zvemari, asiri kudzoka deposits uye zvimwe zvisingafadzi zviitiko kurambidza kana kutyora kodzero vatengi.

Deposits ngozi

Sezvo bhangi deposits ngozi zvikuru. Panguva zvemitemo vanochiva zvikuru zvakawedzera kudiwa uye kudzora Central Bank kusvika rwezvemabhengi masangano. Uyezve, kuramba zvichiongororwa kuitira mari yemutoo wezvikwereti zvose inopiwa kubhengi kuti tidzivise mamiriro ezvinhu akadaro, yaiitwa panguva dambudziko, kana zvikwereti zvisina akadzoka, naizvozvovo, pakanga pasina mari deposits kuti vatengi zvinodiwa.

On mupiro havazokwanisi kuwana

Kwete pakarepo kubvisa nhema kuti bhangi deposits achabvumira mari zvakanaka pavanatenzi vavo. Zvinobudirira mubereko rate pamusoro deposits havasi pachiyero kuti chaizvoizvo kubatsira kuita mari yavo. Izvi zvinogoneka chete kana dhipoziti yakawandisa chakakurisa - asi pfungwa iyi haisi wose, kunyange vaya vane paavhareji mari, kashoma mukana kuunganidza mari yakakwana.

In ezvinhu ano Bank deposits zviri nani nzira kuchengetedza vaunganidza mari panzvimbo yakachengeteka, uyewo yakanaka nzira hwokubata depreciation guru nokuda mitengo. Uwane haumanikidzwi tariro.

marudzi deposits

Deposits mune mabhanga anomiririrwa guru chakarondedzera akasiyana siyana. In nerimwe bhengi deposits vanonzi zvakasiyana, asi dzinokosha vose zvavo dzinogona kubatanidzwa kupinda 5-6 marudzi.

Pane zvose pamutemo masangano uye deposits muviri vanhu. For mabhizimisi nemakambani vanoda yepamusorosoro uye mubereko prices vari kudzika zvikuru, nokuti kuti mari wakaiswa kakawanda kupfuura chiratidzo mamiriyoni 1 rubles, uye rokuti deposits dzakadaro - kunyanya hapana anopfuura 3 months.

Term deposits, kufarira chiri chikuru pakati nedzimwe mhando dzose, ndivo zvikuru nevanhu. kufarirwa kwakadaro kudivi vatengi hazvishamisi, nokuti munhu wose anoda mari yakawanda. Dzimwe nguva refu-kufarira ungatsauka musoro, uye munhu anorasikirwa kungwarira.

Planning iri iyo umbiridzai kugovera dhipoziti wako, usakanganwa kuti kune masangano akadaro, izvo zvinogona mangwana kuva varombo. Kazhinji, zvemari masangano, umo zvinhu zvisina hurikufamba zvakanaka, kuchitsausa vatengi yakakwirira mubereko prices pamusoro deposits, izvo dzakasiyana siyana waisiyana avhareji kumusika inopiwa. Kusarudza zvakanaka chingaitwa vakagovera mari dzavo, kumbira chero chikwereti zvinowanika mune hari.

High mubereko rate pamusoro dhipoziti angava anoratidza zvakaipa mamiriro ezvemari

Somuenzaniso, kana munhu sangano inopa rubatso 30% chete annum uye panguva imwe chete pasi mashoko chirongwa mbiri zvinoda sezvo basa 35%, kuti ndicho chikonzero chokufunga. Handiti izvi 5% - izvi chaizvoizvo kubhengi mari. The maduku gwanza ichi, vashoma kubhangi anowana, uye nokudaro mukana wokuti mari kugadzikana riri shoma.

Hazvina zvakafanira kupindura yakakwirira kufarira prices somunhu katuni hunhu Roquefort kubva katuni "Chip uye Dale", iro akanzwa munhuwi chizi, kukanda zvose uye chaizvo nendege kwarwakabva.

Enzanisa inopa siyana pamusoro pamusika, kuwana paavhareji uye edza woga kunzwisisa nei kubhangi ane 20%, uye mumwe - 30%. Somuenzaniso, unogona kufunga mipiro yose mari Bank deposits, izvo anopa anenge 10% pa annum.

Term deposits mune mabhanga zvinogona aakapa kodzero replenishment uye pasina mukana.

Mupiro mukuru pasina replenishment dzaona kuti kuvapo yakawanda mari kubva mutengi kamwe ndokuriisa bhiri uye vane mwedzi kana umwe-nguva mubereko muripo. Manjemanje zvazova mureza zvimiso nokuvhura kadhi nhoroondo uko kubhangi inoita kuripwa mubereko, riri kunobatsira mubhangi dzinokodzera muridzi dhipoziti nhoroondo, kana mutengo nazvo ane mepu yakadaro ndiyo razero kana chaizvo diki kana tichienzanisa remuneration inobhadharwa dhipoziti.

Unogona kuunganidza hope

Deposits zvinogona pachayo, zvinofarirwa vatengi vasingakwanisi pakarepo govera kubva ayo bhajeti yakawanda Unsolicited mari. Izvi zvinogona kutsanangurwa ndechokuti ivo chaizvoizvo kubatsira kuunganidza pamusoro vamwe kutenga zvinodhura, vashanyire tikiti kana chimwewo zvinodhura. Bvumiranai kuti 100-500 rubles , unogona kumbomira pamwedzi, kurega kofi yakawandisa, kutsenga chingamu, tekisi Vatasvi. Panguva iyoyo kunonoka sezvo mukufamba kwegore unokwanisa kuunganidza pachiyero, izvo zvinofadza kupedza ari muchitoro.

Zviri akakwana vaya nguva dzose achida kufamba, asi vachigere kuti kunonoka. With ichi mipiro mutsa zvirongwa zvakadaro, zvinoita kuti vanhu vane chero mari pamwero.

Mipiro kuve dzakasiyana dzeEurope

Zvinofanira kucherechedzwa Zvisinei, kuti deposits anogona kuiswa kwete chete nenyika mari. Kazhinji deposits mu rubles vane chepamusoro mubereko rates, sezvo mabhanga nani kushanda currency of Russian Federation, achichipa chikwereti.

Kufarira rate pamusoro deposits muna US madhora uye euros, yekudyidzana kudzika kupfuura vaya yakazaruka kuna Russian Ruble. Banks mari yakawanda kutenga currency panguva Central Bank, ipapo kutengesa iri yavo chinjanai mahofisi.

Tips nokuti Kusarudza munhu Bank

Akapiwa chokwadi kuti mubereko prices pamusoro dhipoziti zvibvumirano zvakafanana mhando mune mabhanga siyana pamusoro chete, rinokosha mubvunzo unoramba pamusoro pakuvimbisa munhu dzosera.

Uye mamiriro hapasi kukanganisa Bank. Chinonyanya kukosha chipingamupinyi pamusoro kubiridzirwa - munhu pachake. Regai kuvimba mari yako kumasangano avo zvemari izvo vasiri kunzwa. Banks kuti gore kana maviri, zvakare, regai kunyanya kutenda. Panguva iyi, zvakaoma kunzwisisa, vari kubudirira kana mutemo nokukurumidza "dzinokaroparuka", kutora nguva. nyaya iyi havafaniri kumhanyira.

Pane basa Deposit Insurance, izvo zvinogona kushandiswa kana uchida kuchengetedza mari yako.

Kana uchida kubudirira vanenge 100% nechokwadi chokuti uchadzoka mari shure, anongoti vagovane mari, aida kupfeka dhipoziti rimwe bhengi kupinda wandei zvidimbu uye akazaruka mari nezvokuvandudzika mari duku, asi mabhanga akawanda. Izvi mhinduro anokubatsirai iwe munhu dzosera mari yako, kunyange kana kubhengi anoenda zvachose.

Uye yeuka kuti vaitaura izvo zvakasiyana chaizvo kubva paavhareji ezvinhu ari sokunofadza divi, vari kunyanya okupedzisira femo kana kubhejera chero bhengi, uye mari chaizvo ngozi.