How kuverenga mubereko pamahombekombe deposits?

Nhasi, mubvunzo sei kuverenga mubereko pamusoro deposits hakuna kuoma kuti vaya vane paIndaneti uye anoronga kuisa mari yavo kubhangi iri pamutemo akura. kadhi yunivhesiti yakadaro, sezvo mutemo, nzvimbo papeji yacho karukureta rimwe mhando deposits, izvo zvinoratidza kuti mari yakawanda kugamuchirwa, inobva mari mari, chimbadzo uye izwi.

pamberi ngaaverenge mubereko pamusoro deposits, zvine musoro kuti kudzidza zvakadzama mashoko chesungano. Somuenzaniso, kune deposits, izvo kwakauraya pazera yakakwirira ndivo akapiwa chete kana uwandu "Dolezal" zvakasimba kusvikira pakuguma kwenguva. Somuenzaniso, kana ukaisa $ 100 pa 5 muzana nekuda 1 year, muchapiwa 100 X 0.05 = 5 rubles mugore. Kana mari iri akadzora akashaya kubva mupiro, mari aigona kusvika 2 rubles, sezvo nokuti izvi anopiwa panguva shoma mwero pauwandu hweavo (wakaiswa kana chinoratidzwa nezvikamu zviri nhamba akaratidza ezvinhu).

Chimwe chinhu, kana chibvumirano chibvumirano akapa dzakava mubereko kuti munguva isingasviki gore. How kuverenga mubereko pamusoro deposits iyi? Kuti aite izvi, shandisa mutoo: * (1 + R iye K \ T \ 100) N -, apo K ndiyo Verengai okubhengi, P - the interest, K - nhamba mazuva imwe neimwe nguva muripo (mwedzi, kota), G - mazuva mugore (365, 366), n - nhamba mhosva pagore (nokuti pamwedzi mhosva - 12 nokuti Quarterly - 4).

Kana uchiraira kufarira zvinosanganisira mari watopiwa dzaona muzvirevo iyoyo, pauwandu hweavo vari ichaongororwa neKomiti nzira: In kane (1 + N \ 100 \ n), umo mashoko ari mumabhuraketi unomutswa n. Somuenzaniso, iwe akaisa 100 rubles pasi 10% chete annum kufarira mwedzi wose, urege kupfura. Kufarira iyi tinogamuchirwa se 100 * (1 + 10 \ 100 \ 12), chirungamutauro mu parenthesis vanomutsirwa madhigirii 12.

Vamwe Lenders kupa Mapato siyana zvokuwedzera imwe purogiramu yakasiyana mubereko prices pamusoro deposits. Sberbank Somuenzaniso, mune zvimwe zviitiko, anosarudza yepamusoro for vanhu mudyandigere zera (vakadzi 55, varume makore 60). The Kazhinji ndechokuti yakakura chitsama dhipoziti uye kwenguva refu zviri mubhangi, dzakanga pauwandu hweavo. Zvisinei, kwenguva refu, yaida mwero ingachinja zvimwe zvinhu, kusanganisira:

1. General ezvoupfumi mamiriro ezvinhu. The zvakawanda upfumi zvikamuka, zvikuru kwokudiwa nokuda kwezvikwereti, dzakanga inoenzanirana kuti mabhanga vanogona kupa depositors zvavo.
2. Kutsiga National mari. The zvishoma mudanga Ruble, yakawanda mitengo, zvikuru dhipoziti prices.
3. Mamiriro nemari chevanorwara mari yakananga uye ezvinhu yose. Kana kadhi sangano rakapa zvikwereti zvakawanda, ipapo zvingava mari dhefisiti, izvo dzinosanganisira Chiitiko mukuru prices pamusoro deposits. Major zvemari masangano, sezvinoita mutemo, regai kupa zvinhu zviri nani, nokuti havafaniri mimwe "kubhadhara mamwe" kuti vatengi vavo kuti ngozi.
4. Kunyanya mutero mitemo, pamutemo muviri uye mamwe mabasa.

Recently hwakanyorwa chimiro mabhanga "rakapotsa", iro dziripo chete muchimiro Internet mapeji. Zvavangapa chaizvo yakakwirira mubereko prices pamusoro deposits uye zvimwe zvinhu zvatinoda. Muchiitiko chino, tarisa nani pamusoro Website of Central Bank ariko kwesangano kwakadaro, kuti asimbise mashoko INN, rezinesi nhamba, chiperengo mazita, Kuwanikwa sehofisi, vashandi, sezvo Zvikasadaro, unogona kubhadhara mari mumaoko fraudsters, uye ipapo mubvunzo iri "sei kuverenga mubereko pamusoro deposits" anogona vambomira nokusingaperi.