Dhipatimendi yevashandi vemunharaunda: mune mabhangi chii chinobatsira?

Vaeni vepenjeni ndivo vakasiyana-siyana veva depositors. Vakawanda vavo vane mari yekuchengetedza mhuri. Achiziva izvi, mabhangi anopa mari yevashandi vane mari inobatsira. Mabhengi anopa vanhu mukana wekunzwisisa kuti zviri nani kuchengeta mari kwete kumba pamiriyoni, asi mubhengi rebhangi.

Sei zviri nani kuchengeta mari mubhangi?

Vashandi vanovimba chaizvo nevanhu vanogona kuisa muunhu husingazivikanwi muimba yavo. Vaya vanoda kupamba mari yepensheni vanoziva kwaanowanzova nemari, uye vanomirirwa nevashandi vehomwe yepenjeni kana sangano rinokurudzira. Chinangwa chekuona kwekushanyira kwavo ndechekupa rubatsiro kune mumwe mubhadhari, asi chaizvoizvo mushure mokushanyira mari yacho inonyangarika kubva kune yekupedzisira. Havasi vashandi vose vanotaura nezvemaitiro akadaro kumapurisa, uye kuwana "vanobatsira" vakadaro pane zvakaoma, nokuti vanoshandura nguo uye maitiro (misoro yebvudzi, kupfeka magirazi egorozi, nezvimwewo). Kuchengeta mari mubhangi kunonyanya kuvimbika kudarika kumba, kuwedzera, mari inogona kuva nemaoko anovimbika uye inounza mutengi kuwana. Ndicho chikonzero masangano akawanda ezvemari anopa mari yevahedheni vane rubatsiro runobatsira.

"Binbank": mipiro yevashandirwi

Iri sangano rezvemari rinopa mikana inobatsira kune vashandi vayo yezera rekurega basa kuti vawane mari yekuunganidza uye mari yakawedzerwa.

Izvo zvipo zve "Maximum interest", kunyange zvisingafanoonekwi nevanokugadzira zvigadzirwa sepenjeni imwe chete yepenjeni, ichava inonakidza kune iyi nharaunda yevagari vemo. Iko mari shoma yemadhodhi ndeye 10 000 rubles. Nhamba yemari inofarira inowirirana zvichienderana neshoko uye chiyero chedhipiti. Semuenzaniso, kana iwe ukaita dhipatimendi kwemazuva makumi mapfumbamwe nemakumi matatu nemana, mutengo wekudzoka nekuwedzerwa mumari ichawedzera kubva 6.2% kusvika ku6,5% pagore. Kana iwe ukasaina chibvumirano kwemazuva 91 kusvika 180, unogona kuwana purogiramu iri pakati pe9,7 ne10% pagore. Zvinogoneka kuvhura dhipatimendi kwemwedzi 6 kusvika ku12. Muchiitiko ichi, mutengo wekudzoka uchachinja kubva pa995 kusvika ku10.25%. Nguva yakawanda yehodhi yacho ndeye mazuva 1095.

Dzimba dzevanoshandira mari mu "Binbank" - inobatsira! Purogiramu yeDhipatimendi "Imba yakanaka" ndiyo mukana wekutsvaga mari yakawanda. Iko inowanikwa muRubles inogona kuvhurwa kwenguva kubva pama181 kusvika ku 365 (9.25%), kubva 366 kusvika ku729 (8.35%) uye kusvika mazuva 1095 (7.50%). Mari iyo inogona kuvhurwa mumadhora. Mutengo wekudzoka padipiti kwemazuva 181 kusvika ku365 i 2.2%. Kana ukazarura dhipatimendi kwenguva yakareba (somuenzaniso, kubvira pamazuva 366 kusvika ku729), ipapo zvibereko zvinokwira zvishoma uye zvinokwana 2.65%. Inhara yekutambira pamadhora ekutengesa kwemazuva manomwe kusvika ku1955 i195%. Mari iyo inoshandawo muEuro.

"Bhenji reMoscow": inopa vashandi

Iri bhengi rinopa zvirongwa zvekuisa mari yevanhu vezera rekugara muhurumende chete mumari yemunyika. Semuenzaniso, mazwi emadhodhi "Maximum earnings" anotevera:

• Iko zvishoma zvishoma yemari yacho inenge 1000 rubles;
• Nguva yebvumirano - pakusarudza kwekwereti (kubva pamakore 91 kusvika 1,095);
• Nhamba yemari inowanikwa padivi iyo iri 9% pagore.

Dhipatimendi yevashandirwi mu "Bank of Moscow" - inobatsira chaizvo! Bhizinesi yakagadzirawo purogiramu yekuwana mari yekuwedzera mari "Maximum Growth". Nguva yekudhura uye muyero wepamusoro yakangofanana neyiyo yepamusoro. Inhara yezvibereko ndeye 8.68%. "Bhizinesi reMoscow" rinopa vatengi varo "Kuunganidza Account", yakakodzera kwenguva isingagumi. Vashandi vanogona kudzorera maakare avo uye kubvisa mari pasina mitsara, kugamuchira 5% pagore semari. Uyewo, nyanzvi dzebhangi dzakagadzira chirongwa chinonzi "Current Pension". Nhamba yemari yacho uye izwi rekuisa kune imwe chete inongamira kune chido chemuperesi, uye mari inowanikwa ichava 4% pagore.

Dzimba dzevanotora mari mune mamwe mabhangi

Mabanki akawanda eRussia akagadzira zvipo zvakakosha kune vatengi vezera rekurega basa. Somuenzaniso, "Sberbank weRussia" anopa mari "Popolnyay". Iko zvishoma zvishoma yemari yacho inenge 1000 rubles. Nhamba yezvikwereti pahuwandu hwekutsvaga ndeye 8% pagore. Mari inogona kuiswa kwemakore matatu. Kubatsirwa kwekuchengetwa kunogona kukura zvishoma nezvishoma. Iko mari ye "Save" inogonawo kubudiswa munharaunda iyi yemari. Pamuzinga we9.07% pagore, vaparidzi vanogona kuisa mari kwenguva inobatsira kwavari.

I "Rosselkhozbank" inoshandawo nevatori venyika. Vanhu vekwegura vanogonawo kuwedzera mari yavo yekuchengetedza kuburikidza nekushanda pamwe nebhangi iri. Rosselkhozbank inopa mari inobatsira yevahedheni vane ruzivo rwakanyanya. Deposit "Pension Plus" inopa mukana wekuwanazve, uye zvishoma zvishoma zvekubhadhara kwekutanga ndeye 500 rubles. Chirwere ichi chinosangana nevatengi vose, nokuti Rosselkhozbank inopa vashandi vayo mukana wekuwana mari 9% pagore pakuvhura dhipatimendi kwemakore 1 ne8% kwekubhadhara kwemakore maviri.

Dhipatimendi yevanotora mari yakawanda inzira inobatsira yekuchengetedza mari munzvimbo yakachengeteka uye mukana wakanaka wokuwana mari yakawedzerwa.