The dhipoziti pfupi-izwi panguva pamatunhu pauwandu hweavo. Apo Wekumusoro akanaka ezvinhu?

Bank deposits inzira kuponesa mari yavo kubva zvinokonzerwa mitengo, uyewo mbavha vanogona kuwana pasi mutsago dzichiba simbe dendere zai.

Uye anenge munhu wose anoda kubudisa romupiro soro kufarira rates, asi sei kuzviita?

For makomborero siyana, uye kubhengi akagadzirira kubhadhara vatengi zvakasiyana

Hapana chakavanzika chikuru chinobva mudzimu kubhangi - zviri kuita mari yakawanda kupfuura iwe shandisa. The chikuru nzira bhangi zvakaoma, pane vaviri, vari:

• nzvimbo uye mari mabasa (hereinafter - CSC);

• anomukweretesa.

Apo RKO bhengi, pfungwa, hakudi okuwedzera mari, kuitira kuti chikwereti, zvinokosha kuti mari, izvo rakapa kuti vatengi.

Kwainyanya yokukwezva deposits zviri basa mari. Uye pasinei dzakasiyana kufarira rates, ivo vose akafanana mumwe, asi, Chokwadi, vamwe kusiyana.

The chimbadzo pamusoro dhipoziti - nzira kukwezva vatengi

Kuti akwezve kufadza mari iri pfupi zvichibvira nguva, mabhengi vari kupa vatengi kuisa mari pane mukuru kufarira prices. Uye, chokwadi, kuti vanhu vakawanda achasarudza chaizvoizvo masangano iwayo zvemari kuti akaisa soro bhidha.

Pashure pezvose, kana pakona kubhengi anopa zvakawanda zvakanaka mashoko, ipapo wadii kuenda ikoko nokuti kushongedzwa mupiro?

Financial varairiri anogona zvirokwazvo kutanga kuudza kuti hazvina zvakakodzera kutarira chimbadzo uye kudikanwa kuongorora kubhangi kuti rating, ayo kukurukurirana, akavimbika uye zvemari pakusimba, kunyanya kana isu kutaura dzimwe mari deposits panguva soro kufarira prices.

Izvi pachake chokwadi kwayo uye mumwe chikamu venhema. Kutaura zvazviri, nemashoko aya, vari kuedza kuridza nezvechido chako kwete kugara mhino uye kurasa mari yavo.

Izvi, Sezvineiwo, zviri zvikuru kubudirira unobvumira zvimwe mabhanga vane yakafara mutengi chawo, pasina kupa munhu wavo kuisa romupiro soro kufarira prices.

The soro dhipoziti zvazvingava

Kutaura zvazviri, kunyange muna 2009, vanhu vakawanda havana vakadzidza kuvimba mari yavo mabhanga, iyo zvino "hombodo" sezvinoita matema. Asi zvishoma nezvishoma ichadzorerwa chivimbo mabhanga, kunyange zvazvo mamiriro akasvetuka mari anomanikidzwa kunetseka. Asi zvekare dzimwe mari deposits panguva soro mubereko rates, Chokwadi, haasisina kuwanikwa.

Kana isu ongororai kumusika rwezvemabhengi mabasa, tinogona kuona zvimwe yokurera kwazvo midzi muna Russian Federation. Ngatitarisei pavo.

Chokwadi, kubhangi kusawirirana kubhengi, uye zvose ndezvake oga wokuti zvirongwa okubhengi, kupa mipiro panguva soro kufarira prices. Pasinei zvinogona kuchikosha kusiyana mubereko prices pamusoro deposits, musiyano pakati chikwereti uye dhipoziti ezvinhu ndiwo dzinoreva zvimwechete.

Ndicho musiyano pakati neavhareji mwero iri deposits uye zvikwereti zviri vakawanda mari muzvikoro Russia iri imwe yakati chechetere.

Ndezvipi zvipo zviri nani kusarudza kuti tinyatsobatsirwa?

Zvinosuruvarisa matsva ezvinhu mubhangi, bhengi deposits, kunyange yakakwirira kufarira rates, usarega kuita here kuti mari yavo. Kunyanya ainyatsonzwisisa ichi kubhengi vatengi vanenge vakasarudza kuvhura deposits zviri rubles patariro pangozi kupfuura dzimwe mari.

Nokuti chokuti Ruble rawa zvinoshamisa pamusoro dhora, guta guru chairo makambani akaita depreciated ne kusvika kaviri. Zvichakadai, pakupera Bank deposits ari kumusoro kufarira prices ichaunza hapana anopfuura 13% kuti kwemari. Izvi kunyange kana musingadi kutora nyaya mitengo. Uye avo vakakwanisa kuwana mukana uye vanoisa dhipoziti muna US madhora nekusiyana, vakabatsirwa.

Achienzanisa mubereko prices pamusoro deposits zvaipiwa mabhanga ari Russian Federation kusvikira pachiyero nyika dzokuEurope, tinogona kuona kuti mhiri kwemakungwa mabhanga vanoda kubhadhara mari iduku zvikuru. Saizvozvowo, kukura kadhi shoma zvakare kudzika zvikuru kupfuura zvinhu iyoyo chipo pamusoro Russian pamusika mabasa zvemari.

Nzira dzekuziva kuti munokosha nzeve yako pakusarudza mhando dhipoziti nhoroondo

Kuti uone kuti maximize zvinobatsira kuisa mari iri mubhengi, zvinokosha kufunga zvinotevera pfungwa:

• chimbadzo mumatunhu;

• izwi iri dhipoziti;

• mamiriro ezvinhu kugumisa kuti chibvumirano, nokubatira mapato;

• mukurumbira tsika zvemari;

• Kuvimbika chirongwa.

Tichanzwisisa navo zvizere.

mupiro mamiriro havafaniri kuva anotsausa

Uchitsvaka yechimbadzo yakawanda zviri nyore kuva akuvara dzokudarika. Kana padanho dhipoziti mubereko kunonyatsooneka rakasiyana paavhareji kumusika ezvinhu, zviri pakarepo chikonzero chokunetseka.

Somuenzaniso, izvi zvinogona kureva kuti kubhangi vachishoropodza haana mari yakakwana. chinzvimbo kwakadaro kungaita kuti nokukurumidza zvemari tsika kusauka. Pashure pokurera prices pamusoro deposits anofanira wakawedzera rwoga makomisheni uye mubereko pamusoro zvikwereti. Zvino yava ndechokuti vatengi adzore kubhengi.

Tsvaka deposits pa soro mubereko for 6 mwedzi? Verenga zvinotevera mashoko

Kazhinji, soro prices zvinochengetwa ari deposits, ayo anoiswa pa 9-12 mwedzi vari National mari. Uyezve, chinokosha ndechokuti mamiriro mubereko uye kusukwa mumutumbi dhipoziti.

Kana ukapinda ruzivo pamusoro mubhengi kuchaita kuti kubvisa mupiro pachine, zvino unogona kutarisira kupa zvakawanda zvakanaka mashoko. Kunyange kune zvirongwa zvakasiyana-siyana kuti nokukurumidza kukwezvana mari romugove, kana kubhangi asina zvakakwana kushanda guru.

Muzviitiko zvakadaro, mari zvikoro kupa pfupi deposits panguva soro kufarira rates rokuti 1 kusvika 3 months. Asi ivo chakaomesesa kuita. Zvinoita chete sokuti uri kupa zvakawanda 15%, asi hazvisi pamusoro izwi chesungano (nguva dzakasvikwa mari anoiswa), uye nokuda rizere gore. Saka, kukurukura pfupi deposits panguva soro kufarira rates, yaida pamwero muzana mugove kuti izwi iri dhipoziti chibvumirano.

Uyewo kucherechedza ndiwo mutemo mumwe - zvikuru rwezvemabhengi kupfungwa, rezasi ari dhipoziti mwero inogona kuuya. Hongu, unogona kuona kuti vamwe vasingazivikanwi bhengi inopa 15, 17 kana kuti kunyange 20% pa annum mumugwagwa.

Ndinofanira ndinotenda kuti imi kuwana mari yako shure? Zviri zvikuru kunge kuti ichi zvemari mumiririri duku kuparuka muna 3-4 mwedzi, uye mari yako ichava munhu muhomwe yako, asi kwete imi. Kunyange kana uchida kuisa deposits zvomwedzi mumwe pasi mukuru kubva muzana, hapana achakupa vimbiso kuti sangano zvemari chero vakadaro vachadzoka mari yako.

At chii pamwero dhipoziti inopa nhasi?

Rates kungachinja zuva nezuva, sezvo vanovimba zvakananga mutemo kubhengi uye kushanda mamiriro ezvinhu emari mabasa pamusika.

Nhasi, kana ukaenda pamahombekombe, paavhareji uchava akauya

• izwi deposits pamusoro NZD - kubva 6.0% kusvika 10.0%;

• nokuti chete deposits, asi muna US madhora - asingasviki 3%;

• deposits ive nokusingagumi nguva - hapana anopfuura 2%, kana akaisa rubles uye zvakawanda below- mune dzimwe mari.

Tinogona kuenzanisa nhamba idzi chete avhareji mwero mitengo kuRussia, raiva (pamutemo) zvishoma kupfuura 10.5 muzana kubva pakutanga 2015. Uye kana iwe funga ndechokuti Ruble akawira kaviri, zvino anotarisa kunyange kuipa.

Saka, mari chaiye hakushande chero mhando mupiro.

Verenga kuti chiratidzo

Pane chinosuruvarisa ndechokuti vose mutengi, chibvumirano anoverenga hapana anopfuura 10%. Nevamwe Mapoka ndivo magweta nyatsoverenga kupinda shoko ose, vachiedza kuwana mamwe matambudziko.

Kazhinji pamusoro deposits mu rubles pasi padunhu chikamu zvibvumirano, uyewo mimwe, anogona kupiwa opaque ezvinhu zvinouya misungo. Somuenzaniso, uri kuda chimbadzo chakakura, chinova pfungwa shoma kupfuura dzimwe mabhanga.

In chibvumirano mubhangi wakadaro inogona ushandiswe kuripwa komisheni apo achiisa kana dzichibvisa dhipoziti. Kana unogona kupiwa Zvirango kuti mangwanani kushaya kana chinhu chakadaro.