Mupiro - iri ... Deposits mune mabhanga. Interest pamusoro deposits

Bank dhipoziti - ichi ndechimwe mubhizimisi motokari, izvo vaiona kupfuura kuwana uye ngozi kunyange vanhu vasingazivi zvose mari utariri uye rwezvemabhengi. Narwo unogona kuponesa kwete chete mari yako kuti kugara mitengo, asi kuwedzera navo.

Kuwana mari mu nemabhangi kubvumira zvishoma, asi maererano mari shure, ndivo chakavimbika kupfuura. Uyezve, kuvimbika kwavo kunoratidzwa pamberi hurumende mapurogiramu anokosha kuti hake kuti inishuwarenzi mipiro ari chiitiko mumwe nokupisa-kubva mabhanga. Izvi zvinoita kumbonyanya njodzi nzira kushandisa mari vakasununguka.

marudzi deposits

Maererano nzira mari Kutarisira deposits vari vatatu mhando:

• Classic iyo zvachose rinokutadzisa depositor, i.e. kana kuti muzadze kana kutora mari kubva dhipoziti nhoroondo, haagoni;
• mupiro, iyo rinobvumira investor kuti muzadze nayo;
• mubhangi, uye kupa mukana kuti mamwe mipiro uye pamwe dzinobvisa mari.

Deposits mune mabhanga vangava mazita akasiyana, asi vari muzvikamu zvitatu mhando:

• izwi;
• mari;
• kudiwa.

dhipoziti izwi

dhipoziti Term sezvo zviri pachena kubva zita, iri rakapa kwenguva yamunenge kumwedzi. Zvinofanira kurangarirwa kuti shoma nguva iyo inogona kuzarurwa, mazuva matatu, kunonyanyisa - makore mashoma.

Term deposits evanhu vane subspecies dzavo:

• deposits umo mubereko kubhadhara kuitika pamusoro pamwedzi hwaro;
• pamwe mubhadharo pakupera kondirakiti nguva.

Kazhinji, kuti okupedzisira subspecies ari dhipoziti rokuti anogona kuva anopfuura ekutanga.

mari dhipoziti

Mari dhipoziti - rubatso dzaungaita mberi kubatsira nhoroondo. Term chesungano iri kazhinji mwedzi anopfuura matanhatu. Kufarira akapiwa pamusoro hunoshamisa pakuenzanisa pamusoro dhipoziti nhoroondo zuva nezuva, kuti vagamuchire mubereko mari investor anogona pakupera shoma rokuti raanotaura kondirakiti.

mukuru dhirivahari

kudiwa deposits inoita wayo muridzi kuti vakasununguka kushandisa mari iri munhoroondo. Kufarira iri kudiwa deposits kazhinji duku - kashoma kupfuura 1% pa annum. Vamwe deposits iyi mhando anofanira rwoga anogona harikunguruswi pamusoro kubhangi, asi zvishoma zvakanaka mashoko.

In chii mari kuti dhipoziti?

Chero Russian pamahombekombe deposits evanhu dzakazonaka zvose rubles uye dzimwe mari. Uyezve, pane multi-zvavo mhuka.

Multicurrency mupiro - ndiye placement mari dzakasiyana mari inokwana zviyero rimwe dhipoziti nhoroondo dzakasiyana pauwandu hweavo. Banking nyanzvi dzinokurudzira kuvhura ichi mhando, sezvo iri chiitiko ane simba majeure mamiriro ezvinhu, asi investor ane mukana kuhwina kupfuura rimwe mari.

Imwe pfungwa inoda kufungwa kana kuvhura dhipoziti - ndiko kuti dzimwe mari deposits chimbadzo dererei kufananidzwa Ruble nhoroondo.

How kusarudza chinonyanya kunobatsira dhipoziti?

Chii chinofanira kuteerera, processing mipiro? Izvi Chokwadi, padanho mubereko prices. It anosarudza chitsama mari kuti investor achagamuchira nokuti wakapfuura kubhangi mari yavo kushandiswa.

The chimbadzo kunobva anotevera parameters kuri muna dhipoziti:

• mari;
• ari placement kumwedzi;
• marudzi.

Zvinokosha kusimbisa kuti mubereko mukuru prices pamusoro deposits haasati kutaurwa pamusoro rakavimbika kubhengi.

Kazhinji, akasaina pakati kubhengi uye depositor haabvumiri chibvumirano wokutanga unilaterally kushandura chimbadzo, kunze zvimwe zviitiko (azvinoita deposits kufarira capitalization uye prolongation).

Accrual zvinhu pamusoro deposits

Kukarukureta zvinhu pamusoro deposits kunogona kuitika sezvinotevera:

1. Pamusoro expiry ari rubatso, vari paakavapa kune kutanga chitsama.
2. Kubhadhara dzinoitwa nguva dzose, zvakadai pamwedzi kana Quarterly.
3. With capitalization kufarira pamusoro dhipoziti. Nzira iyi kunosanganisira kuwedzera uwandu kwemari mupiro muchimiro mubereko kuti imwe nguva, uye mune inotevera nguva, ivo zvichawedzerwa yaizvozvo. Remuneration inofanira kubhadharwa pamwedzi, Quarterly, gore negore kana pakupera kondirakiti nguva. Nokuti deposits pamwe capitalization, kazhinji chimbadzo dererei, asi mari zvinogona kuunza mamwe.

ekisitenjeni

Prolongation of dhipoziti - icho kuwedzera kubhengi chibvumirano pamusoro pakuvhurwa dhipoziti yapera kwayo rokuti, uye kuita mupiro itsva itsva izwi pasina mvumo yemuridzi depositor. Kana dhipoziti chibvumirano haripi Tingawedzera yose mari (wechikoro uye mubereko) zvichabviswa zvaitambidzwa nhoroondo nemhosva uye kufarira haangazodzingi -bereka. To kutangazve ndinorova vanofanira kuonana kubhangi kuti kuvhura itsva kubhangi.

Unofanira kuteerera chokwadi kuti haasi marudzi ose deposits kuriritira prolongation. Kushandisa basa iri, nokuti murume chinhu kuti vanobatanidzwa dhipoziti chibvumirano.

Zvikurukuru, kana waita rubatso kubva yeGmail.END_STRONG zvinoda mharidzo yacho pasipoti yacho mugari wenyika Russian Federation. Kana munhu achida kuvhura rubatso nhoroondo yepedyo, kubhangi zvinoda kubereka ake nemagwaro kana makopi vanopupurirwa pedyo gweta.

Deposit Insurance Agency

LETSATSI yakaumbwa nechinangwa huchangotanga Russian dhipoziti inishuwarenzi epasi. It anokubatsirai vanoita kudzoka mari mu dhipoziti dzavo Nhoroondo pakuparwa Bank kukundikana.

Kwemakore, ino yave yaratidzazve basa rayo zvakaisvonaka, uye pakudaro kuwedzera kuda kuva deposits kuti vagari Russian.

mhedziso

Kana unogona tambounganidza pamwedzi, kunyange shoma vakasununguka mari uye vanoda kuponesa vamwe zvinangwa, mupiro waJehovha bhengi izvi raizova chisarudzo chakanaka.

Zviri pachena kuti nzira iyi mari mari haangarevi kuuya kwoumbozha upenyu kufarira, asi, kubatsira kugadzirisa zvimwe nyaya zvirokwazvo mune ramangwana. Mukuwedzera, kuisa mari iri mubhengi, haugoni kunetseka kwavo kuchengeteka, uye kukurukura vakagamuchira aifukidza dzose achimuka mitengo.