Bhengi rakanaka neine chido chakanaka pane mari

Munhu wose anoronga kubhadhara mari yavo, vanokosha kuti vazive bhangi ipi iri nani pane izvi. Parizvino, nhamba huru yemari yezvemari inoshanda muRussia, iyo inopa vagari mapurogiramu akasiyana-siyana emari. Kana vashandi vanogona kufunga kuti bhangi rakanaka ndiro rinonyanya kufarira kuisa mari, saka nyanzvi dzinokurudzira kusvika kune dambudziko nenzira yakakwana. Nhamba yakakwirira haisi chivimbiso chokuti muchengeti achaita mari muzvikwereti zvake. Zvakakodzera kubhadhara mukurumbira webhangi, pamwe chete nemashoko ekubatana.

Nzira yekuziva kushandiswa kwepaiti

Vatengesi vemazuva ano vanoshandisa zvinyorwa zvinokurudzira zvekugadzirwa, uye naizvozvo kazhinji iwe unogona kuona vhidhiyo nechinangwa chekutsvaga pane zvakanyanya kufarira. Zvisinei, haufaniri kukurumidza uye kuisa mari yako mubhangi rekutanga, uko mari yaipiwa yakavimbiswa 16% pagore pamubhadharo. Ichokwadi, inogona kutarisa yakasiyana, somuenzaniso:

• Unofanirwa kuisa mamiriyoni emakore kwemakore mazhinji;
• Mutengo we16% unoshanda chete pamwedzi 3 yekutanga;
• Chipo chacho chinowanikwa chete kune vashandi vekambani.

Chinokosha zvakanyanya kukosha kwemupiro. Sezvo mutemo, iyo yakanakisa mari inoshandiswa kune yakareba kwenguva refu. Chero bhengi rakanaka rine maonero emari ye depositors, uye inobatsira kuti iite kuti vatengi 'vagone kuchengetedza nguva refu, kuti vaise mukati mechidimbu uye vagowana pairi. Somugumisiro, kwemaawa mashomanana ekubhadhara maitirwo haatombogadziri kudarika kuiswa kwemakore akawanda. Nyanzvi dzinopikisa kuti nzira yakanakisisa yekuita purofiti ndeyekushandisa mari kwegore rimwe.

Capitalization yemari

Imwe bhonasi yakaisvonaka yevose vane mari yakachengetwa mubhangi inowanikwa pamwedzi kana kuti pamwedzi kwepamusoro (iyo inowedzera kuwedzera kwehuwandu hwemari inowanikwa kare). Kutenda kusarudzo iyi, muchengeti anotowana mari yakawanda, nekuti kufarira kuripo nokuda kwehuwandu hwedhipiti, iyo iri kuramba ichiwedzera. Iyi parameter yeramangwana risina kukosha, nokuti kana iwe ukazarura kambani kwemwedzi gumi nembiri, mari yepamusoro inowedzera mari yemari inenge yakanyanya. Zvisinei, paunoisa anenge mamiriyoni maviri emabhule uye izwi rekubhadhara kwemwedzi makumi maviri nemasere nekuda kwechisarudzo ichi, unogona kuwana zvikwereti zvakanaka.

Maitiro pane mari

Tichifunga nezvesarudzo dzezvemari uye kusarudza ibhengi rine chido chakanaka chekuisa mari, inofanirwa kubhadhara kutarisa kwekuita kwekupinda uye kubuda kwekutengeswa kwekambani. Sarudza purogiramu yaunoda kuti uwane zvinangwa zvako. Kana mutengi achida kuchengetedza mari, iwe unoda purogiramu ine mukana wekudzorerwa, uye kana iwe uchida kuva nemari yevamwe mari yako pachako munguva pfupi iri mberi, zviri nani kuvhura dhipatimendi pamwe nekukwanisa kubhadhara mari kubva kubhuku. Mitemo yekutengeserana inofanira kuverengwa zvakanyatsonaka. Sezvo mutemo, pakubvisa mari, mabhenji anowedzera kuderedza chiyero.

Mhando dzezvinyorwa

Nyanzvi dzezvemari dzinofunga kuti kushanda kweiyo mari yacho kunowirirana zvakananga nehuwandu hwechibereko. Kwemazuva ano chiziviso chinonyanyozivikanwa chirevo chinoiswa. Izvo zvakagadzirwa zvakaparadzana mu:

• Akaverengwa;
• Kuunganidza;
• Savings.

Chikamu chikuru pane nhasi chinogona kuwanikwa kubva kumapurogiramu ekuchengetedza. Ichokwadi ndechekuti mari yakadaro haigone kuzadzikiswa uye inoitwa pamusoro pavo chero kushandiswa kwemari, uye nguva nguva dzose inowanikwa. Chero mari inoshandiswa mune zvemari inobatsira kubva pamabhadharo akadaro, saka mitero pavari ndiyo inonakidza, uye muteresi anogamuchira kufarira chete kana achipfigira account.

Zvikwata zvekuwedzera zvinotakura zvakasiyana siyana zvemabasa. Pamusoro pavo, muteresi anogona kugamuchira kufarira mwedzi mumwe nomumwe, kune mari yepamusoro yekodhi uye kubhadharwa nguva dzose kunopiwa. Iyi sarudzo inobatsira zvikuru kune avo vanoronga kuchengetedza mari. Zvisinei, kufarira mupiro wakadaro uchave wakaderera. Nhoroondo yekugadzirisa ichaunza zvishoma kudhara nekuda kwevanhu vanofarira zvikuru. Muchiitiko ichi, muteresi anowanikwa ku-akhawunti uye aisa maitiro padipiti.

Kukwidziridza uye kupiwa kwemwaka

Sezvo mutemo, zvikwereti zvakanakisisa zvekuisa mari kune vatengi zvinopiwa pamusi wezuva rezororo, apo chimwe chechipiri chinosvinudzwa uye zvimwe zvikwata. Panewo nguva dzekupa, mukati mazvo izvo zvakakosha kuvhura dhipiti kusvikira kune rimwe zuva. Zviito zvakadaro zvinodiwa nemasangano emari kuitira kuti vateereri vatarise. Sezvo mutemo, chero bhengi rakanaka rinopa mamiriro ezvinhu akanaka kune vatengi pasi pezvirongwa zvakasiyana.

Dhipatimendi mune mari dzedzimwe nyika

Mumabhanki eRussia iwe unogona kuzarura mari yacho kwete chete mari yenyika, asi mune imwe ipi zvayo. Uye mazano haasviki kune madhora kana euro, iwe unogona kusarudza iyo account yako, kunyange pound kana yuan yeRipublic of China. Iyi nzira yekutsvaga mari inoratidzirwa nekuderera kunobatsira. Mupiro wakadaro unobatsira kune avo vanoronga kupedza mari yavo mune ramangwana vasingashanduki kuRubles. Kana zvisina kudaro, iwe unogona kurasikirwa nemari yakawanda mukushandirana kwemari.

Kuvimbika kwebhangi

Panharaunda yeRussia kune nhamba huru yemasangano emari anopa vagari mukana mukana wokuzarura mari kana kushandisa zvimwe zvigadzirwa. Kusarudza mubhengi ripi zviri nani kutora chikwereti kana kuvhura dhipatimendi, zvakakosha kubhadhara zvakanyanya mukurumbira wayo. Sezvo mutemo, zvipikirwa zvikuru zvinopihwa nemasangano ayo ane hutsika pamusika hunyanyisa. Chiratidziro chekuisa mari ndeimwe yenzira dzekugadzirisa matambudziko avo.

Bhengi rakanaka haigoni kuvimbisa dhomwe nedii ye 15% pagore, sezvo pane imwe yerimwe yemitengo uye muyero haugoni kusiyana pane mukati ma 0.5-2%. Usati wavimba nezvesangano rako rezvemari nemari yako, unofanira kutarisa kuvimbika kwayo.

Best inopa mabhengi mune zvekufarira

Kana muchengeti akasarudza kuti aizotora chii paanofarira, zvino mazano anotevera anofanira kuongororwa:

1. "Rentier." Aya ndiwo mazano kubva ku "Credit Europe Bank" ane mari shoma pane imwe nhoroondo yeRubles 100 000. Mutengo wacho ndewe 10.75% pagore.
2. "Sunny". "Tempbank" inopa vagari kuti vashandise mari yebharuki makumi mashanu nemazana gumi nezviviri.
3. "Central". Iyi purogiramu inopa "Centcombank". Iko mari shoma pane iyo nhamba ndeye gumi, chikamu chinokwana 11.5% pagore.
4. "Kuramba" kubva "Vneshfinbank". Mukati pepurogiramu, unogona kuzarura dhomwe yebrule 5 000 ane tsananguro ye11% pagore.